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Checking

Opening a checking account with United Bank & Trust Company is easy!  We offer a variety of account options, so there is sure to be one to fit your needs.  In just a few quick steps, you'll be on your way to enjoying the benefits, products and services you'll appreciate. Just bring the required information to one of our UBTC locations - and we'll take it from there.

 

We look forward to showing you the benefits of banking with us. Stop by and let us make the move to UBTC as simple as ABC!
  E-Checking Basic Checking Bank Club Checking Valu Checking Interest Checking Senior Checking Senior Interest Checking Health Savings Account
Features Free account
Free Internet Banking
E-statements
    		Economically fulfills your basic checking account needs

    Free Checks
    Accidental death insurance
    Plus much more!

    		 Unlimited check writing Account balances earn interest Free checks, no monthly fees or balance requirements Account balances earn interest Accumulate funds for medical expenses; free Internet Banking & E-Statements
    Monthly Service Fee None Dependent on average daily balance; earning credit apply Choose from our Basic, Personal or Family Plans Dependent on average daily balance None, if minimum balance is maintained None None, if minimum balance is maintained None
    Interest None None None None Competitive rate; compounded monthly None Competitive rate; compounded monthly Competitive rate; compounded monthly
    Transaction Fee None None, if check/debit transaction limit is not exceeded* None, if check/debit transaction limit is not exceeded* None None, if check/debit transaction limit is not exceeded* None, if check/debit transaction limit is not exceeded* None, if check/debit transaction limit is not exceeded* None
    Check Images Available through Internet Banking Included with monthly statement1 Included with monthly statement1 Not Included2 Included with monthly statement1 Included with monthly statement1 Included with monthly statement1 Available through Internet Banking

     

    *Debit card transactions are excluded from this transaction count
    1E-Statement Option with free Internet Banking is available.  Visit with UBTC for details.
    2Imaging Option is available.  Visit with UBTC for details.

    Additional services applicable to all checking accounts: In-house check printing, MoneyLine phone banking, automatic transfers, night depositories, ATM card, SHAZAMChek debit card, Internet banking & BillPayer packages and Ready Reserve overdraft protection.

     

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    Information required to open an account, including joint account owners:
    1. Photo ID
    2. Social security number
    3. Street address
    4. Mailing address (if different from street address)
    5. Date of birth
    6. Daytime and evening phone number
    If switching direct deposits and/or automatic withdrawals to your new UBTC account, we make it easy by following these additional steps:

     

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    1. You provide us with:

    1. Three most recent statements from your former bank.
    2. A recent statement from each originator of automatic withdrawals and direct deposits to confirm names, addresses and account numbers.

    2. We do the paperwork.

    1. We obtain and prepare the appropriate authorization forms to switch your transactions to UBTC.
    2. After you sign the authorization forms, we send them to the originator of each automatic transaction.

    3. Stop using your old bank account.

    1. Keep sufficient funds in your old account to cover any outstanding checks, automatic withdrawals and service charges for at least 60 days.
    2. Destroy any unused checks, deposit slips and ATM or debit cards from your old account.

    4. Close your old account.

    1. Be sure all outstanding checks have cleared your old account and that all automatic withdrawals and deposits have switched over to your new UBTC account.