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Relationship Checking

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United Bank & Trust offers several checking account options. Compare our checking accounts to find the right account that fits your needs, then stop into one of our locations to meet with a Personal Banker or apply online.  


Simple Cash Back

A simple, worry-free account that rewards for debit card usage.

  • No minimum balance
  • No monthly fee
  • Earn $0.10 cash back with each debit card purchase*
  • Free online statements**
  • Free debit card

*Up to $5 per statement cycle, per account. 
**Paper statements available for $3/month.

Open New Account Upgrade Existing Account


Interest Rewards

An interest-bearing account that pays a higher interest rate for banking electronically.

  • No minimum balance
  • No monthly fees
  • Earns interest on daily balances, interest paid monthly
  • Higher interest rate on balances up to $15,000 during each statement cycle when the following criteria is met:*
    • One direct deposit OR one automatic withdrawal AND 
    • 25 debit card purchases per statement cycle
  • Free online statements**
  • Free debit card

*Balances exceeding $15,000 will earn at an above market interest rate. If electronic banking criteria is not met, all balances will earn at the regular market interest rate.
**Paper statements available for $3/month

Open New Account Upgrade Existing Account


Premier

A traditional interest-bearing account with tiered interest rates based on balance. This account also offers additional banking perks.

  • No fee if minimum daily balance of $2,500 or average daily balance of $5,000 is maintained*
  • Earns interest on daily balances of $2,500 or more, interest paid monthly
  • Free checks**
  • Free 3x5 safe deposit box for one year***
  • Free online or paper statements
  • Free debit card

*If balance does not qualify, a $10 monthly service fee is assessed.

**Free basic single checks. Duplicate checks will receive a $20 discount. Other check styles available at varying prices.

***Equivalent credit given toward larger size box.

Open New Account Upgrade Existing Account


Relationship Perks

Enjoy more benefits when you have a Relationship Checking account AND qualifying deposits greater than $50,000.

Qualifying deposits include: Checking, Savings, CD's, IRA's, and HSA accounts. Personal deposits only.

  • No minimum balance to maintain in Premier
  • Free paper statements
  • Free 3x5 Safe Deposit Box (or equivalent discount)
  • Preferred CD rates - additional .15% (excludes automatic renewals)
  • $100 discount on Home Equity Loans and Lines of Credit closing costs
  • $200 discount on Mortgage Loan closing costs
  • ATM surcharge refund (up to $20 per statement cycle)
  • No ATM deposit fees
  • Complimentary Financial Plan review
  • No fee for foreign currency

Ready to Switch?

Make the move to United Bank & Trust today! Our “Ready to Switch” Program makes it easy to move your accounts to United Bank & Trust. Stop in at either location and our Personal Bankers will personally help you with the transition!  Review the "Ready to Switch Checklist" to get started today!

Ready to Switch Checklist

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