Personal Banking

Personal Checking

Individual Accounts. Personal Service.

With United, you get personal checking account options that work for you today, and grow with you for tomorrow. Our flexible options give you the features and benefits you’re looking for, supported by outstanding customer service.

Online Banking Bill Pay Demo

  United Rewards Checking Platinum Checking United Free Checking

United Visa® Debit Card




FREE e-statements




FREE Mobile Banking with Check Deposit*




FREE Online Banking with Bill Pay




Rewards and Benefits

Apple PayTM / Android PayTM / Samsung Pay

Credit File Monitoring

Identity Fraud Expense Reimbursement Coverage with Resolution Services +

Shopping Rewards

Movie & Theme Park Discounts

Prescription Drug Discount Plan

$5,000 Accidental Death & Dismemberment Insurance +

Apple PayTM / Android PayTM / Samsung Pay

Earn next-tier interest rates with balances of $2,500 or more

Competitive interest if balance falls below $2,500

Apple PayTM / Android PayTM / Samsung Pay

No Minimum Balance




Monthly Cycle Service Charge

United Rewards Checking is FREE if you use your United Visa® Debit Card for 15 purchase transactions OR maintain a minimum of $500 in monthly direct deposits. Otherwise, United Rewards Checking is only $10 per month ($8 if eStatements are selected).

Only $10 monthly charge ($8 with eStatements selected) if minimum balance falls below $2,500


$50 minimum opening deposit for all personal checking accounts. Customer purchases checks. 

*Mobile Check Deposit is not available for the first 30 days for new checking accounts.

Find the Right Fit for You

With a United Rewards Checking account, you’ll enjoy the same features as our Free Checking account, plus added benefits, such as:

  • Credit Monitoring: Daily monitoring of your credit report with email/ wireless alerts. In addition, receive unlimited online access.
  • Shopping Rewards: Access to exclusive offers, rebates and discounts at thousands of leading online retailers through our customized shopping portal. (registration and activation required)
  • Entertainment Discounts: Save up to 40% on movie and theme park tickets. Get your tickets in advance and avoid waiting in line.
  • Prescription Discounts: Save an average of 30% on brand-name and generic prescription drugs. Our card is welcomed at approximately 40,000 pharmacies. (This is not insurance)
  • $5,000 Accidental Death & Dismemberment Insurance+: Enjoy a greater peace of mind with 24-hour insurance.
  • Identity Fraud Expense Reimbursement Coverage with Resolution Services+: Should you become a victim of identity theft, receive reimbursement for qualified expenses incurred in the recovery of your stolen identity and the support of a dedicated case manager.


United Rewards Checking is FREE if you use your United Visa® Debit Card for 15 purchase transactions OR maintain a minimum of $500 in monthly direct deposits. Otherwise, United Rewards Checking is only $10 per month ($8 with eStatements).

+Insurance products are not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate.

If you want more out of your checking account, personal Platinum Checking delivers. For customers with higher balances who enjoy earning interest, this account offers competitive interest rates and next-tier rates for balances of $2,500 or more – all for FREE. If your balance falls below $2,500, you will receive a $10 monthly charge ($8 with eStatements).

No hidden fees. No minimum balance. United Free Checking gives you the basics you need, including a United VISA® Debit Card, FREE online banking with bill pay, eStatements, mobile banking with check deposit along with Apple Pay, Android Pay and Samsung Pay.

Your United Visa® Debit Card delivers the advantage of worldwide acceptance at millions of locations that accept Visa cards for payment. No more check-writing hassles and you can still use it to manage your account at ATMs. Plus, earn cashback by using your card to get the things you already buy everyday, such as coffee, dinner with friends or a new pair of shoes.

You can now tap to pay for fast, easy and secure checkouts with your contactless United Visa® Debit Card.

What is United Bank's routing number?
No matter the location, no matter the branch... our routing number is 056004445.

Secure Sign-In

Forgot Username or Password?

Not Enrolled? Sign up now »


Welcome Carolina Trust Customers

The first time you sign-in, enter your User ID, which is the same as your Carolina Trust Bank User ID, only in lower case. Your temporary password is the last 6 digits of your Social Security Number Number (or last 6 of Tax ID for small business customers). You will then be prompted to change your temporary password. Click here for detailed information.

EXISTING United Bank Customers please follow your normal sign-in procedures.