We've built a checking account to meet your needs.
Everyone manages money differently. That’s why we’ve built several great checking accounts with a wide range of different options and features. Things like digital banking, shopping discounts, ID theft assistance, e-Statements and much more. We want to make sure you get a checking account that makes daily money management easy and convenient, and also gives you the perks and extras you value most.
You might want to switch to one of our great checking accounts, but you also might think switching banks is too much trouble. At United Bank, we want to make it easy for you to switch and get an account that’s a better fit for your financial needs. So, we’ve created a comprehensive, downloadable Switch Kit that’ll help make switching banks a breeze.
Looking for a savings account? We’ve built a couple of outstanding Money Market Accounts, too.
Product Disclosures
A fee of $10.00 will be assessed for any account closed within 180 days of opening.
1 Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.
2 With Overdraft Privilege, we will generally pay your overdraft items up to $600.00 total. However, whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee currently $34.00 for each item that is presented up to $170.00 per day. Both the amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in this limit. All deposits to overdrawn accounts are applied to the negative balance. Overdraft Privilege will be available for all checks written, in-person withdrawals, ACH transactions, preauthorized automatic transfers, internet banking and telephone banking. Overdraft Privilege will not be available for ATM and everyday debit card transactions unless you authorize the bank by completing an ATM/Debit Card Consent Form.
3 HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
4 Fees may reduce earnings.
5 IRS contribution limits subject to change. Consult the IRS for current limits.
6 Val U benefits from Bazing are available on a limited basis with Hometown Checking and 60+ Checking.
Some products may not be available to apply for online. In this case, please visit one of our United Bank branch locations.
United Bank is a full-service financial institution with branches in Alabama and Florida.