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Want to make banking easy?

These services compliment any checking account and make banking more convenient for you!

 


Personal Banking                         | Checking | Savings | Investment Accounts | Loans |

| Account Services | Emerald Club | Ubi Kids Savings Club |                          


  CHECKING ACCOUNTS

We want to be your bank, so we offer great checking accounts!
To find the account that’s right for you, review the benefits and terms listed below or compare them on our Checking Account Chart.

Compare Checking Accounts


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Account Today!

 

UNITED FREEDOM ACCOUNT – a basic checking account with many benefits!

Benefits:

  • No monthly service charge
  • No per check fees
  • Unlimited check writing
  • Check safekeeping service
Terms:
  • $100 minimum to open
  • No minimum balance requirement
  • e-Statement is standard for accounts opened on or after October 1, 2011 ($3 paper statement fee)

 

UNITED TRADITIONAL ACCOUNT – a very popular account that fits a wide range of needs!

Benefits:

  • No monthly fee when you maintain a minimum balance of $500 or an average balance of $3,000
  • Cancelled checks are returned as images with a free binder for storage
  • Service charge is waived for students age 21 and younger, senior citizens age 62 and over, non-profit organizations, churches, service organizations, estates and government bodies.
Terms:
  • $100 minimum to open
  • If balance requirements are not met, there is a monthly fee of $7.00 and a withdrawal fee of $.20 per debit in excess of 40 debits

 

UNITED PREFERRED ACCOUNT - if you wish to earn interest, this is the account for you.

Benefits:

  • Earn interest on a minimum daily balance of $1000
  • Interest paid monthly
  • No monthly fee when you maintain a minimum balance of $750 or an average balance of $3,000
  • Cancelled checks are returned as images with a free binder for storage
  • Service charge is waived for students age 21 and younger, senior citizens age 62 and over, non-profit organizations, churches, service organizations, estates and government bodies.
Terms:
  • $100 minimum to open
  • If balance requirements are not met, there is a monthly fee of $7.00 and a withdrawal fee of $.20 per debit in excess of 40 debits
  • Some eligibility requirements apply

 

Save money – Join Check Plus and get discounted tickets to local movie theatres!  Ask us for details.CHECK PLUS – add this package of benefits to any personal checking account. Take advantage of the discounts and enjoy the savings!

Benefits:

  • Free personalized club checks or $5 off other check styles
  • Debit Card - no monthly service fee
  • Unlimited check writing
  • Accidental death and dismemberment insurance*
  • Money orders at no cost
  • Discounted movie theatre, Adventureland and Iowa State Fair tickets
  • Discount coupons to Iowa attractions
  • Explore Iowa vacations specials
  • Payment card protection service
Terms:
  • No minimum balance requirement
  • Monthly fee based on amount of insurance coverage*
    • $9/month - $10,000 policy
    • $10/month - $20,000 policy
    • $11/month - $30,000 policy

        Click here for more detailed information from The Iowa Bankers Association web page

 

DATA TRAC PLUS – Ag customers can add this package of benefits to any personal checking account! This record keeping service will help track your income and expenses, provide monthly and annual reports, and keep your financial records organized!

Benefits:

  • Computerized record keeping service designed especially for farming operations
  • $30,000 accidental death and dismemberment insurance*
  • Unlimited check writing
  • Free personalized club checks
  • Debit Card - no monthly service fee
  • Money orders at no cost
  • Discounted movie theatre, Adventureland and Iowa State Fair tickets
  • Discount coupons to Iowa attractions
  • Explore Iowa vacation specials
  • Payment card protection service
  • Lost key return
  • Photocopy service
  • Household Inventory Service
Terms:
  • No minimum balance requirement
  • Monthly fee of $28.00 plus tax or a discounted annual fee of $285.00 plus tax
  

* Insurance products are not deposits, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank and may lose value.

  Each depositor insured to at least $250,000.
 Member FDIC   
 
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