United Bank
We know you recognize great value when you see it.
In business, efficiency is the name of the game. Our Business Checking services work seamlessly with that goal, providing high-performance financial tools at a low cost that keeps your overhead under control.
Business Advantage Checking
Turn your checking account into a financial command center with our cutting-edge digital tools and other advantages.
Business Advantage
Money Market
Give your financial reserves some extra earning power with this secure, revenue-building account.
Money Market
Business Analysis
Businesses with bigger balances in their United Bank deposit accounts can benefit from reduced checking fees.
Business Analysis
E-Statements
Electronic statements are easy to access on your office computer system, allowing for deeper analysis and expense evaluation.
E-Statements
Switch Kit
It only takes five simple steps to move your accounts to United Bank from other financial institutions.
Make the Switch
United Bank is a full-service financial institution with branches in Alabama and Florida.
It’s checking designed with modern commerce in mind
Anyone can give you a book of checks and an account number. At United Bank, we recognize what today’s businesses really need – a wide range of high-tech tools and convenient services that help them control spending, manage money in real time, and keep expenses at a rock-bottom level.
Details:
- Monthly fees based on number of monthly transactions so you don’t pay more than you have to
- 24/7 access to Online Banking and our highly rated mobile app
- Sign up for e-Statements through Online Banking and access account data in user-friendly digital format
- Get multiple Discover debit cards for fast purchases and better record-keeping
- Take advantage of other business solutions that include Automated Clearing House transactions, credit card processing through Merchant Services, Night Deposit services
Transaction Fee Structure:
Debit transaction items include withdrawals from your account made by check, draft or ACH. Credit and deposit transaction items include deposit tickets and items deposited.
- Tier 1, 0-10 items: $2.50 monthly fee
- Tier 2, 11-50 items: $7.50
- Tier 3, 51-150 items: $15
- Tier 4, 151-300 items: $20
- Tier 5, 301-600 items: $35
- Tier 6, 601-1000 items: $50
Discover a dependable source of additional revenue
Business success gives you the freedom to move some funds out of your daily operating account. A good new home is a Money Market, where they’ll earn higher returns* while remaining available for immediate use if you face a cash-flow challenge or need to strike at a business opportunity when the iron’s hot.
Details:
- Multiple tiers means that bigger balances can earn higher interest
- Minimum initial deposit of $2,500
- Monthly maintenance fee of $20 waived with $2,500 minimum daily balance1
- Immediate access to funds through special checks or digital banking tools
- 24/7 Online Banking and electronic Bill Pay
- User-friendly Mobile Banking and mobile check deposit2
- Itemized paper statements included and e-Statements available
- $10 fee if account is closed within 180 days of opening
1 Fees may reduce earnings.
2 Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.
Tiered Interest Rates:
- Tier 1: Up to $14,999.99
- Tier 2: $15,000.00 to $29,999.99
- Tier 3: $30,000.00 to $74,999.99
- Tier 4: $75,000.00 or more
*Interest rate subject to change daily. Balance determines the tiered rate you earn.
We can help cut down your monthly banking costs
Smart businesses are always looking for ways to save money on outside services. At United Bank, we understand that includes us. We allow businesses with average to heavy transaction volumes to use higher deposit account balances to offset monthly fees. With our Business Analysis Accounts, a service charge is assessed only if the cost of services provided exceeds the earnings allowance for the balance maintained.1
1 An earnings credit calculation is done each month on the average collected balance. This calculation gives your account credit for deposits made to your account and can offset your monthly maintenance fee.
Account Activity Charges
- All Debit items processed are charged $ 0.25 per item.
- All Credit items processed are charged $0.07 per item
- All Transit items are charged $0.10 per item
- Deposits are charged $0.10 each
- Regulatory charges apply
- Monthly maintenance fee: $32.50
Other Account Benefits
- 24/7 access to Online Banking and our highly rated mobile app2
- Sign up for e-Statements through Online Banking and access account data in user-friendly digital format
- Get multiple Visa debit cards for fast purchases and better record-keeping
- Take advantage of other business solutions that include Automated Clearing House transactions, credit card processing through Merchant Services, Night Deposit services
2 Fees may apply for some services within Online and Mobile Banking. Text and data rates may also apply.
Make even better use of your monthly financial data
Monthly bank statements hold a gold mine of information that can be used to analyze spending patterns, track interest earnings, identify key transactions and fuel deeper dives into big-picture finances. You can access that information sooner – and far more efficiently – from your workplace computer than if it arrives via postal mail.
Details:
- Get an e-mail when your e-Statement is ready at the beginning of each month
- Enjoy secure access to statement through Online Banking
- Easily download information to accounting software for analysis
- View archive of previous months’ statements
- Cut down on paper clutter in your office
- Reduce the possibility of fraud that can occur when paper statements are stolen from the mail stream
Signing Up for e-Statements
- Log in to your Online Banking account using our app or your desktop computer.
- Choose “Statements” in the main menu.
- Click the “Delivery Preferences” button at the top of page.
- Next, choose “All Accounts,” or specify which accounts get e-Statements.
- Choose "Electronic."
- Enter your email address to receive e-Statement notifications.
- Then click the “Submit” button.
Take the fast track to a better banking experience
Every day, your business is focused on getting the job done. The last thing you need is to devote time and energy to switching banks. Good news: United Bank’s high-performance deposit accounts, game-changing loans, cutting-edge digital banking tools and other efficiency-enhancing services are only a few simple steps away.
- Download our quick and easy Switch Kit
- Read “5 Simple Steps for Switching to Your New United Bank Business Checking Account”
- Access our helpful Switching Worksheet and Switching To-Do List
- Download the necessary forms that can be quickly filled out and sent to us
