Relationship Checking
More Rewarding. Right Here at Home.
Earn 5.64% APY1 on your checking balance
At United Bank & Trust, we believe your banking experience should be just as rewarding as the community you call home. That's why we're committed to offering accounts that provide more value while keeping the personal touch of local banking.
With Interest Rewards Checking, your everyday debit card purchases can help you earn more on your checking balance, giving you more opportunities to make the most of your money with a bank that's invested in you and your community.
Open an Interest Rewards Account
Interest Rewards
An interest-bearing checking account designed to reward the way you already bank, with a special rate when you meet the monthly qualifications.
- Earn a special rate of 5.64% APY (Annual Percentage Yield)1 on balances up to $15,000 when you meet the monthly qualifications:
- One direct deposit OR one external automatic withdrawal; AND
- 25 settled debit card purchases
- No minimum balance
- No monthly maintenance fee
- Free online statements2
Ready to start earning more?
Open your account online in minutes and earn more each month!
1Interest Rewards Special Rate of 5.64% Annual Percentage Yield (APY) earned on balances up to $15,000 during each statement cycle when the following criteria are met: One direct deposit OR automatic withdrawal AND 25 settled debit card purchases per statement cycle. 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. Opening deposit of $25 required. APY effective 10/15/26 and is subject to change. Fees could reduce earnings on the account. See bank for current rates and additional account disclosures.
2Paper statements available for $3/statement cycle
