A solid checking account is the foundation of exceptional personal banking. At United Bank, all our personal checking accounts come standard with the features that set us apart: state-of-the art electronic and mobile banking, a convenient network of branches and ATMs, and seven-day access through our innovative Interactive Teller Machines (ITMs) that make your banking truly personal. Explore your options below and get started with only $50.




Gold LIFE Checking

Be rewarded for your relationship. Maintain $10,000 in minimum balances across all of your United Bank deposit accounts, including certificates of deposit, and we will waive the $15 monthly service charge. Includes United Bank’s LifePERKS app, special services and discounts offered only to LIFE checking customers.

  • Anywhere banking tools (mobile, text, ATM, debit card)*
  • Free personal Gold Checks plus two free official checks per month
  • Shop local, save local with LifePERKS savings – includes cell phone protection, identity theft protection, 24x7 Roadside assistance, Pharmacy, Vision and Hearing savings. †
  • $10,000 Travel Accidental death coverage
  • Free 3x5 safe deposit box, or a $15 credit towards a larger box
  • No withdrawal fees when using a non-United Bank ATM; terminal fees still apply**
  • May pair with The Reserve money market account
  • Interest paid on your balances. See Rates for additional information.

If you do not maintain $10,000 in minimum, aggregate balances, you will incur a $15 monthly service fee.

Not a smartphone user? Take advantage of LifePERKS benefits by visiting


LIFE Checking

Enjoy benefits to help you with life. This account includes the LifePERKS app, designed for our customers who enjoy life to the fullest, while saving money along the way.

  • Anywhere banking tools (mobile, text, ATM, debit card)*
  • Your first box of personal checks is free (does not include duplicate checks)
  • Shop local, save local with LifePerks savings
  • Cell Phone protection†
  • Identity theft protection†
  • 24x7 Roadside assistance
  • $10,000 Travel Accidental death coverage†
  • Pharmacy, vision and hearing savings

Only $6 per month. Enroll in e-statements to avoid an additional $3 monthly paper statement fee.

Not a smartphone user? Take advantage of LifePERKS benefits by visiting


JUST Checking

No need for the frills? The checking account with only the basics.

  • Anywhere Banking Tools (mobile, text, ATM, debit card)*

No monthly service charge. Enroll in e-statements to avoid the $3 monthly paper statement fee.


†Cell phone protection and personal identity theft benefits are subject to additional terms and conditions. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. For additional information regarding LifePERKS benefits, see the supplemental guide.

Rates may change at any time without prior notice. Simple interest is calculated on the average daily collected balance in the account and credited either monthly or quarterly. Fees could reduce earnings on the account.

*Your account will be charged $1.50 per non-United Bank ATM transaction. If you use a non-United Bank ATM, that bank may also impose a terminal usage fee.
**Non-United Bank ATMs may impose a terminal usage fee.