Essential Checking

United Essential Checking

Designed To Help You Set up a Strong Financial Foundation

Essential Checking

A Smart Start

United Bak Essentials Checking

Features and Benefits

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

  • No overdraft fees
  • No minimum balance required
  • No monthly fee for customers 25 and under1
  • Check-less account2
  • Minimum opening deposit is only $25 
  • Free Online and Mobile banking3

Spend Smartly on Your Terms  

Create Custom Alerts

Monitor your account activity and act quickly to prevent potential fraud.

Track Your Expenses

Make smarter financial decisions with our Personal Finance tool to help you with your spending goals.

Tools to Help You Budget and See the Big Picture of Your Finances


Essential Banking Habits

Bank Anytime, Anywhere

Free Mobile and Online Banking.  Get easy access to all the services you’ll need on the go.1

Establish Bill Pay

Pay all your bills instantly or automatically, for the ultimate control.

Set Recurring Transfers

Build your financial safety net by setting up an automatic recurring transfer to your account.

Turn on eStatements

No waiting by your mailbox for your monthly statement.  Your statements are accessed securely online.  

Locate a branch near you.

Need help? Give us a call.

We’ll get right back to you.

1 For customers 26 years of age or older, $5 monthly with eStatements, $7 monthly with paper statements.
No checks will be provided for this account.
3 United Bank does not charge a fee for mobile banking. However, third-party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan, and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Bank With United or Bank With United Business mobile banking app. Certain other restrictions may apply. See the mobile banking terms and conditions in the United Bank Online Banking service agreement.
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.
Apple Pay® is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Any educational tools, calculators, guides and other content available on this site are for informational purposes only. These materials are not intended to provide personalized legal, investment or financial advice for your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional.