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Checking

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United Bank & Trust offers several checking account options. Compare our checking accounts to find the right account that fits your needs, then stop into one of our locations to meet with a Personal Banker or apply online.  


Free Checking

If you are looking for a basic checking account with no monthly maintenance fees and no minimum balance requirements, this is the account for you!

  • No minimum balance
  • No monthly fee
  • Unlimited check writing
  • Unlimited ATM withdrawals
  • Unlimited account debits at no charge
  • Check images available with online statements only

Apply Now


Regular Checking

Our Regular Checking account offers a low minimum balance requirement plus your check images are available with online or paper statements.

  • $250 minimum balance
  • No monthly fees if minimum balance or a $500 average monthly balance is maintained*
  • Unlimited check writing
  • Unlimited ATM withdrawals
  • Unlimited account debits at no charge
  • Check images available with online or paper statements

*If balance does not qualify, the following fees apply: $3.00 monthly maintenance fee, $.15 activity fee per debit for entire statement cycle. Debits include checks, ATM withdrawals, automatic payments and account withdrawals.

Apply Now


Checking with Interest

Checking with Interest is a great option for you to earn some interest on your money, while maintaining a low minimum balance.

  • $500 minimum balance
  • No monthly fees if minimum balance or a $1,000 average monthly balance is maintained*
  • Interest earned on collected balances of $1,000 or more
  • Unlimited checking writing
  • Unlimited ATM withdrawals
  • Unlimited account debits at no charge
  • Check images available with online or paper statements

*If balance does not qualify, the following fees apply: $3.00 monthly maintenance fee, $.15 activity fee per debit for entire statement cycle. Debits include checks, ATM withdrawals, automatic payments and account withdrawals.

Apply Now


Premier Checking

Get more from your checking account. Our Premier Checking account earns interest and offers some extra perks.

  • $2,500 minimum balance
  • No monthly fees if minimum balance or a $5,000 average monthly balance is maintained*
  • Interest earned on collected balances of $2,500 or more
  • Unlimited checking writing
  • Unlimited ATM withdrawals
  • Unlimited account debits at no charge
  • Check images available with online or paper statements
  • Free safe deposit box for one year**

*For balances between $500 and $2,500, $5.00 monthly maintenance fee applies. For balances below $500, $10.00 monthly maintenance fee applies.

** Minimum size or equivalent credit given toward larger size box.

Apply Now


Ready to Switch?

Make the move to United Bank & Trust today! Our “Ready to Switch” Program makes it easy to move your accounts to United Bank & Trust. Stop in at either location and our Personal Bankers will personally help you with the transition!  Review the "Ready to Switch Checklist" to get started today!

Ready to Switch Checklist

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