Relationship Checking
Section Menu
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
Open New Account
Interest Rewards
An interest-bearing account that pays a higher interest rate for banking electronically.
- 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
Open New Account
Premier
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.
Open New Account
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