Perks for Everyday Spending

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United Rewards Checking

Be Safer. Spend Smarter.

Enjoy unbeatable bargains at thousands of national and local spots where you eat, shop, play, and travel.  Plus, feel safer with identity protection.

Get Started

Your United Rewards Checking1 account is your key to unlocking exclusive discounts.  Plus, get complimentary identity protection, monitoring, and resolution services2,4.  

Unlock Your Benefits Today. It's Simple.

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Start Saving

Open an account with just $50 to get started.  No minimum balance requirement.

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Save on Fees

Set up direct deposit of at least $500 OR use your United Visa® Debit Card for a minimum of 15 purchases in a statement cycle and United Rewards Checking is FREE.  Otherwise, United Rewards Checking is only $10 per statement cycle.

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Travel and Leisure Discounts

  • Redeem and print coupons online.
  • Access discounts from your mobile device.
  • Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services, and more.2
  • Receive smart savings alerts for nearby deals, so you never miss a chance to save.

Keep Your Identity Safe

  • Identity monitoring of more than 1,000 databases.2
  • Daily credit file monitoring with access to reports and scores.3
  • Automated alerts of key changes of your credit score.
  • Fully managed theft resolution services and identity theft expense reimbursement coverage4
Certified safety quality management secure identity proofing for guaranteed access control
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Keep Unforgettable Moments Protected

From accidental slips to unexpected spills, or even theft, Cell Phone Protection4 has you covered up to $400 for costs of repairs or replacements. Simply use your United Rewards Checking account to pay your cellular telephone bill and coverage is available for up to four phones. 

Extra Benefits You Can Expect That Makes Banking with United Even Better

  • 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 Pay,TM and Samsung Pay®**
  • Free Mobile Deposits and Transfers
  • Zelle®***
  • eStatements or Paper Statements 
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1 Benefits are available to personal checking account owner(s), and their joint account owners. Customer purchases checks. See fee schedule for details on other fees that may apply. 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. No minimum balance requirement.
2 Registration/Activation Required
3 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.
4 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 BankWIthUnited.clubchecking.com.  
See full benefits disclosure.
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.
*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.

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