United Bank & Trust

Personal Checking

Checking accounts designed for everyday banking

Our checking accounts make managing your money simple and convenient, with straightforward features and easy access to your money for a seamless banking experience.

Checking Accounts Designed for You

Simple Cash Back

Most popular

Everyday banking with cash back rewards. 

  • $0 monthly fees 
  • No minimum balance 
  • Earn cash back on debit card purchases

Open Account

Learn More

Interest Rewards

 

Earn more by banking digitally.

  • $0 monthly fees 
  • No minimum balance 
  • Earn interest
  • Rewarded for banking digitally

Open Account

Learn More

Premier

 

Premium benefits for higher account balances. 

  • Earn interest
  • Free checks 
  • Free safe deposit box 
  • No fees with minimum balance of $2,500 or average daily balance of $5,000

Open Account

Learn More

Digital Tools Included with Every Account

Check balances, pay bills, view statements and move money. 

Mobile Banking | Online Banking

Access and download your statements securely whenever you need them.

Learn More

Deposit checks quickly right from your phone. 

Learn More

Lock your card, control spending limits, and receive real-time debit card alerts. 

Learn More

Get notified when transactions are posted or your balance changes.

Learn More

Track your spending and set a budget.

Learn More

Debit Card and Money App for Kids and Teens

Kickstart your child’s financial journey with Greenlight! 

  • Send money instantly 
  • Customize parental controls 
  • Manage chores and allowances 
  • Set savings goals 
  • Build money skills with Greenlight Level Up games 

Learn More About Greenlight

Sign Up for Greenlight

 

 

Not sure which account best fits your goals?

A quick conversation with a Relationship Banker can help you decide.

Connect with a Banker

© 2026 United Bank & Trust. All Rights Reserved.