Rewards Checking

United Rewards Checking

Checking, with Benefits

United Rewards Checking

Put your checking account to work, with rewards you can actually use. 

Added Benefits You Can Actually Use

With United Rewards Checking1, we offer the protection you need to keep up with your busy life.

  • Credit Report and Score*2 with Tracker 
  • Credit File Monitoring*: Daily credit file monitoring and automated alerts of key changes to your credit report. 
  • Identity Monitoring*: Monitoring of over 1,000 databases.
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage3
  • Cell Phone Protection3: Up to $400 replacement or repair cost on stolen or damaged phones (cell phone must be paid through this account).
  • Rideshare Protection3

United Rewards Checking accounts opened prior to April 4, 2022, access your benefits by logging in to eClub Online


Your United Rewards Checking Features and Benefits 

✓ Free United Bank Visa® Debit Card

✓ Free Mobile Banking with Check Deposit**

✓ Free Online Banking with Bill Pay

✓ Free Mobile Wallet with Apple Pay®, Google PayTM and Samsung Pay®

✓ Free Mobile Deposits and Transfers

✓ Zelle®

✓ Free eStatements or Paper Statements 

Every Account at United Bank Includes These Features and Benefits:

Bank Your Way

Exceptional products and services meet you wherever you are, extending beyond more than 200 full-service United Bank locations to ATMs, online and mobile banking. Manage account balances, transfer funds, place stop payments, access eStatements, review your transaction history and much more.

Easy Ways to Pay

Save time and money with United Bank’s free and secure online bill pay, combined with Zelle® friend-to-friend payments — a convenient way to send and receive money with people you know and trust. Quickly, securely and easily transfer money in the moment, or set up and modify online banking payments to virtually any merchant, company or individual without ever writing a check.

Safety and Security

United Bank has more than 180 years of experience you can trust to provide peace of mind.

Locate a branch near you.

Need help? Give us a call.

We’ll get right back to you.


*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.
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.
**United Bank does not charge a fee for mobile banking. However, third-party message and data rates may apply.
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. 
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.