Personal Checking

Personal Checking

Individualized accounts. Free service.

Personal checking account options from United Bank work for you today and tomorrow, growing with your financial future. Our flexible options give you the features and benefits you need and expect, supported by outstanding customer service that meets you wherever you are.

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United Rewards Checking

United Rewards Checking¹ helps you put your checking account to work, with rewards you can actually use: Credit Monitoring˟, Identity Monitoring˟, Cell Phone Protection³, Rideshare Protection³, plus so much more. United Rewards Checking is free if you use your United VISA® Debit Card for a minimum of 15 purchases in a statement cycle or have a monthly direct deposit of $500 or more. Otherwise, United Rewards Checking is only $10 per statement cycle ($8 with eStatements). No minimum balance requirement. 

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United Free Checking

Get started with all the convenience you need from a checking account. Absolutely Free Checking, with no fees or minimum balances. 

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Essential Checking

With United Essential Checking, get the tools to smartly manage your money – no minimums, no overdrafts, no worries.

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United Platinum Checking

Get returns on your money. For balances of $2,500 or more, enjoy tiered competitive interest rates — all for free. If your balance falls below $2,500, you will receive a $10 monthly charge ($8 with eStatements). 

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Veterans Checking

To the men and women who have given so much for this country and our community, we say ‘thank you!’  Our most unique account features in honor and thanks to Veterans, Active-Duty Military and Military Families.

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Which Account is Best For You?

From the convenience of making a deposit from your mobile device to the comfort of a one-on-one discussion, we’re proud to offer quality personal checking products and services to help you reach your individual goals.  See Basic Account Fees and Features.

 

 United Rewards CheckingUnited Platinum CheckingUnited Free CheckingUnited Essential CheckingVeterans Checking
United Visa® Debit Cardyesyesyesyesyes
E-Statements Availableyesyesyesyesyes
Free Mobile Banking with Check Deposit*yesyesyesyesyes
Free Online Banking with Bill Payyesyesyesyesyes

Rewards and Benefits

  • Apple Pay® / Google Pay® / Samsung PayTM
  • Credit Report and Score*2 with Tracker
  • Credit File Monitoring*
  • Identity Monitoring*
  • Up to $10,000 Identify Theft
  • Expense Reimbursement Coverage3
  • Cell Phone Protection3
  • Rideshare Protection3
  • Apple Pay® / Google Pay® / Samsung PayTM
  • Earn next-tier interest rates with balances of $2,500 or more
  • Apple Pay® / Google Pay® / Samsung PayTM
  • Apple Pay® / Google Pay® / Samsung PayTM
    No overdraft fees
 
  • Apple Pay® / Google Pay® / Samsung PayTM
  • Free domestic and international ATM transactions
  • Free wallet style Stars & Stripes Checks w/ Veterans Checking label
  • Free cashier's checks
  • 50% discount on any size Safe Deposit Box
  • Commemorative Pin
No Minimum Balanceyes yesyesyes
Monthly Cycle Service ChargeUnited 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).$10 ($8 with eStatements). $0 with a minimum balance of $2,500.$0$0
for customers 25 and under4		$0
Minimum Opening Balance Requirement$50$50$50$25
$50

 

To view all fees and features see Terms and Conditions. 

United Bank Advantages

Fast, secure and easy access to fit your needs.

Mobile Banking

Easy, anytime access to all the services you’ll need on the go.

Online Banking

Access all your United Bank personal accounts 24 hours a day. Manage account balances, transfer funds, access eStatements, review transaction history and more.

Bill Pay

Paying bills has never been more convenient. Simply add your payees to start paying all your bills instantly.

Better Budgeting

See the big picture of your finances and make smarter financial decisions with our interactive spending and budgeting tool.

Contact-Free Mobile Deposits

Use your phone to make deposits anytime and anywhere.

Friend-to-Friend Payments with Zelle®

Zelle is a convenient way to send and receive money with people you know and trust. Quickly, securely and easily transfer money in the moment with Zelle.

Frequently Asked Questions

No matter the location, no matter the branch... our routing number is 056004445.

Ordering checks is easy by visiting Deluxe. You will need our routing number (056004445) and your account number to get started. 

Direct Deposit with your employer can be set up by downloading and filling out the direct deposit form.  Provide the completed form to your employer’s payroll department. 

Direct Deposit of your federal benefit payments such as Social Security, SSI or VA Compensation and Pension Payment can be set up in a couple ways:

  • Visit the U.S. Department of the Treasury at www.godirect.gov or
  • Enroll by phone by calling the U.S. Department of the Treasury toll free at: 1.800.333.1795

You’ll need your:

  • Social Security number or claim number                                               
  • 12-digit federal benefit check number
  • Amount of most recent federal benefit check
  • United Bank routing transit number:  056004445
  • Your United Bank account number and account type (checking or savings)

Locate a branch near you.

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Need help? Give us a call.

800.327.9862

We’ll get right back to you.

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*Registration/Activation Required
1 Benefits are available to personal checking account owner(s), and their joint account owners.
2 Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. The Guide to Benefit is available to Rewards Checking customers after enrolling and logging in to Econo Check.   
Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate. May go down in value.
4 For customers 26 years of age or older, $5 monthly with eStatements, $7 monthly with paper statements.
Rewards Checking: Customer purchases checks. Other fees such as NSF fees, sustained NSF fees, Stop Payment fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50 for retail accounts. United Rewards Checking is free if you use your United VISA® Debit Card for a minimum of 15 purchases in a statement cycle or have a monthly direct deposit of $500 or more. Otherwise, United Rewards Checking is only $10 per statement cycle ($8 if eStatements are selected). No minimum balance requirement. 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. May go down in value.

Free Checking: Customer purchases checks. Other fees such as NSF fees, sustained NSF fees, Stop Payment fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50 for retail accounts. No minimum balance requirement.  No monthly maintenance fee.

Essential Checking: No checks will be provided for this account.

Apple Pay® is a registered trade- mark of Apple Inc. Google Pay is a registered trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. 

Zelle: Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. It's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.