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Commercial Deposit Accounts

Running a business may be the most challenging job in the world, especially if it's your own business built with your determination and perseverance. United Bank salutes small business owners and managers, and offers these customers a unique line of products and services designed to meet their financial needs.

United Bank offers several checking accounts to meet the needs of your business.

The E-Business Checking Account is the account for the small business on a budget. If you maintain the account within the limitations set, there is no monthly service charge. Customers must receive Estatements and should not have more than 200 debits posted to the account per month. For each additional debit, the account will be charged $0.15. There are no minimum balance requirements.

The Regular Business Checking Account is an excellent account to serve as your general operating account with unlimited check writing. A low minimum daily balance of $500 guarantees no service charge for the month. If your balance falls below $500, you pay $4.00 and $.15 per each withdrawal over 20.

The Business Interest Checking Account pays interest monthly on collected funds. Maintain a minimum daily balance of $1,000 and pay no service charges. If your balance drops below $1,000 during the statement cycle, you pay $6.00 and $.15 per each withdrawal over 20. See our current rates for more information.

The Business Analysis Account is designed for cash-heavy and/or high transaction business customers. A monthly summary will be provided as an enclosure to the regular statement with check images. The following fee structure for this account is as follows:

• Maintenance fee$15.00 per month
• Checks written/posted0.20 per item
• Deposits0.10 per item
• Checks Deposited0.10 per item
• ACH items (debits/credits)0.10 per item
• Cash deposited0.20 per $1,000
• Cash out (change orders0.20 per $100
• Coin in/out0.05 per roll

An earnings credit of 0.15% will be calculated against your average monthly balance and applied as a credit to your service charges. The net amount will be deducted or credited to the account on the last business day of the month.

The Commercial Money Market account is an ideal way to invest your idle funds. This interest bearing account allows for unlimited deposits and six (6) withdrawals per statement cycle. It's a great way to put your money to work for you. See our current rates for more information.

The Commercial Plus Account is an alternative to our Commercial Money Market account, and is geared to commercial customers who maintain large idle balances in their operating accounts. The account earns a higher interest rate and is subject to limitations. The commercial plus account must be paired with a regular business checking account, and deposits must be made via a transfer from the regular account. Withdrawals are limited to one per week, and must be transferred into the regular business account. See our current rates for more information.

Remote Deposit Capture – Make your Deposit of Checks with a Scanner, and Never Leave Your Office

No time to run to the bank? Remote Deposit Capture allows you to deposit checks without leaving your office. A small scanner submits your deposit to United Bank for end-of-day processing and posting. Benefits include (1) Fewer trips to the bank; (2) Streamlined management through online access to scanned images, deposit information and reports; and (3) Extended deposit deadline of 11pm for same-day business posting. Purchase the scanner or select our rental option. Contact the Business Services team at (770) 567-7211 for more information and pricing.


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