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Debit Cards

United Bank & Trust debit cards are a convenient way to make purchases at a retailer or to use at an ATM for deposits, withdrawals or balance inquiries.  Debit cards are accepted anywhere MasterCard® is accepted. 
MasterCard® also offers additional features and benefits click here for details.

* If you use an ATM not owned by United Bank & Trust, the owner of the ATM may charge you a transaction fee.  A $3.00 fee per deposit made at ATM's not owned by United Bank & Trust.
** A monthly fee of $2.00 per account if used less than 5 times per statement cycle on Free Checking only. 

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Lost or Stolen Card Fraud
During Banking Hours Call (641) 753-5900 Call (641) 753-5900
After Banking Hours Call (800) 383-8000 Call (866) 508-2693

ATM Cards

Gain quick access to your bank account with an ATM Card.  Make cash withdrawals, deposits or check your balance in your account at any ATM in Iowa, or any Shazam® or Cirrus® ATM worldwide.

  • No transaction fees*
  • Annual fee of $10
  • No ATM charges at United Bank & Trust or Privileged Status ATM's

*If you use an ATM not owned by United Bank & Trust, the owner of the ATM may charge you a transaction fee.  A $3.00 fee per deposit made at ATM's not owned by United Bank & Trust.

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Credit Cards

Whether you are interested in building credit, or want to earn rewards, we have you covered.  We have the perfect card for your situation.  No matter which card you choose, you'll enjoy the benefits!

Consumer Credit Cards 
Card Points/Cashback Bonus Rewards Annual Fee
Visa Signature®
Real Rewards Cards
Earn 1.5 points monthly for every $1 you spend on eligible net purchases $25 value awarded after first purchase
Premier Rewards
American Express® Card 
Earn up to 4x on eligible net purchases, 4x on restaurant purchases, 3x on airline purchases, 2x on gas station purchases and 1x on all other eligible net purchases $100 cash back after you spend $1,000 in the first 3 months $0 introductory Annual Fee for the first year. After that, $99 Annual Fee
Cash Rewards
American Express® Card
Earn up to 3% cash back at gas stations, earn up to 2% cash back at supermarkets and 1% on all other eligible net purchases $25 value awarded after first purchase
Visa® Platinum Card Extended introductory offer. Save on interest and pay down your other credit card balances faster
Secured Visa® Card  $35 Annual Fee
Visa Signature® College
Real Rewards Cards
Earn 1.5 points monthly for every $1 you spend on eligible net purchases $25 value awarded after first purchase

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