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Personal Banking


Checking Accounts

Free Checking

  • No monthly fee
  • No minimum balance
  • Unlimited check writing, ATM withdrawals and account debits
  • Debit or ATM Card available*
  • Mobile Banking, Internet Banking, and Touch Tone Teller access
  • Check images available with online statements

*Fees may apply. See current fee schedule.

Regular Checking

  • No monthly fees assessed by maintaining a $250 minimum daily balance or a $500 average monthly balance*
  • Unlimited check writing, ATM withdrawals & account debits
  • Debit or ATM card available**
  • Mobile Banking, Internet Banking, and Touch Tone Teller access 
  • Check images available with online or paper statements 

* If balance does not qualify, there is a $3.00 basic monthly fee plus an activity fee of 15¢ per debit for the entire statement cycle. Debits include checks, ATM withdrawals, automatic payments and account debits.

** Fees may apply. See current fee schedule.

Checking with Interest

  • No monthly fees assessed by maintaining a $500 minimum daily balance or a $1,000 average monthly balance*
  • Interest rates tiered to reward higher balances
  • Unlimited check writing, ATM withdrawals & account debits
  • Debit or ATM cards available**
  • Mobile Banking, Internet Banking, and Touch Tone Teller access 
  • Check images available with online or paper statements

* If balance does not qualify, there is a $3.00 maintenance fee plus an activity fee of 15¢ per debit for the entire statement cycle. Debits include checks, ATM withdrawals, automatic payments and account debits. Interest will accrue on daily collected balances of $1,000 or more.

** Fees may apply. See current fee schedule.

Premier Checking

  • No monthly fees assessed by maintaining a $2,500 minimum daily balance or a $5,000 average monthly balance*
  • Interest rates tiered to reward higher balances
  • Unlimited check writing, ATM withdrawals & account debits
  • Debit or ATM card available** 
  • Mobile Banking, Internet Banking, and Touch Tone Teller access 
  • Check images available with online or paper statements  
  • Safe deposit box rent free for the first year (minimum size or equivalent credit given)
  • Competitive market rates
  • Free photocopy service (up to 100 copies per month) 

* If balance is between $500 and $2,500, there is a $5.00 monthly fee. For balances below $500, there is a $10.00 monthly fee. Interest will accrue on daily collected balances of $2,500 or more.

** Fees may apply. See current fee schedule.

For more information email or call (641)753-5900.

United Bank & Trust Perks

Each depositor is insured to at least $250,000. View the FDICs website for more information. ( Federal Deposit Insurance(FDIC) )