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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 maintenance fee
  • Earn a $0.10 cash back reward with each settled debit card purchase*
  • Free online statements**
  • Free debit card

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

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Interest Rewards

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

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  • No minimum balance
  • No monthly maintenance fee
  • Earns interest on daily balances, interest paid monthly
  • Interest Rewards "special" rate earned 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 settled debit card purchases per statement cycle
  • Free online statements**
  • Free debit card

*Balances over $15,000 will earn the Interest Rewards Market Rate. If electronic banking criteria is not met, the entire balance will earn the Interest Rewards Base Rate.
**Paper statements available for $3/statement cycle

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

  • No monthly maintenance fee if minimum daily balance of $2,500 or average daily balance of $5,000 is maintained*
  • Earns interest on daily balances, 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 maintenance fee will be assessed.

**Free basic single checks. Duplicate checks will receive a $20 discount. Other check styles available at varying prices.  Limit of 2 boxes per year.

***Equivalent credit toward larger size box.

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Relationship Perks

Enjoy additional perks when the primary owner of a Relationship Checking account has combined balances on accounts they own of $50,000 or more.

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

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

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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