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Credit Card

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Whether you are looking to start building credit or you want to earn rewards whenever you spend money, you can learn about and apply for our credit cards here. Click here to learn more about our credit cards.

ATM/Debit Card

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With our convenient bank cards, you have complete purchasing power right in your pocket. Simple to use, our ATM and debit cards are perfect for everyday expenses and easy transactions.

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 a MasterCard® is, so you can use it worldwide at retailer's, ATM's, or online.

The MasterCard® brand also comes with additional features and benefits. Click here for more details.

ATM Cards

Gain quick, almost-anywhere access to your bank account. Make cash withdrawals or check your balance in your account from any ATM in Iowa, or any Cirrus™ or Shazam™  ATM worldwide.

ATM/ Debit Card Comparison
ATM Card Debit Card
No Transaction Fees* No Transaction Fees*
No ATM Charges at United Bank & Trust or Privileged Status ATMs No ATM Charges at United Bank & Trust or Privileged Status ATMs
Accepted at any ATM that displays the Cirrus or Shazam logo worldwide* Accepted at any ATM that displays the Cirrus or Shazam logo worldwide*
$6 Annual Fee If a merchant accepts MasterCard, they'll accept your United Bank & Trust debit card. Insert the chip or swipe the card and funds will be withdrawn from your checking account.
Availability of SecureCode from MasterCard
Detailed transaction information appears on your monthly statement
Extra security with an embedded chip
Earn cash back with Purchase Rewards
Shazam Bolt$ - Register your card for purchase alerts
No monthly fees** (if used 5+ times per statement cycle)

*If you use an ATM not owned by United Bank & Trust, the owner of the ATM may charge you a transaction fee. There is a $3 fee per deposit made at non-United Bank & Trust ATMs. 

** No monthly fees if card is used 5 or more times per statement cycle.  A monthly fee of $2.00 per account if used less than 5 times per statement cycle.

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