Overview of Benefits Checking
Benefits Checking from United Bank helps you earn more while maintaining flexible money access. See how it gives you everything you need in a checking account:
Take Advantage of Tiered Interest
The more you have in your Benefits Checking account, the more interest you'll earn. Below are our current rates and the balances required to earn the different tiers of annual percentage yields (APY):
Low Minimum to Open
With a $50 minimum initial deposit, it's easy to get started with this versatile interest-bearing checking account.
Lower Minimum to Earn Interest
All that's required is $1 in your account to begin earning interest on your balance. Interest is compounded daily and credited every month so you can see your outstanding balance grow!
Waived Monthly Service Fee
With Benefits Checking, you have the ability to waive the monthly service fee of $15 if the account balance remains at $2,500 or more at the end of the statement cycle, or there is an aggregate monthly direct deposit of at least $500.
Benefits Checking Features
Benefits Checking includes practical and convenient features that can save you time and money and facilitate money management.
Get an ATM Fees Rebate
Receive up to a $10 monthly credit to cover the fees from other banks' ATMs*. Transactions must post and clear within the statement cycle in order to receive credit.
Access United Online Banking
Online Banking, Online Bill Pay, Mobile Banking and Telephone Banking are included with your Benefits Checking account so you can manage your finances on the go whenever you need.
Fee-Free Access to All United Bank & AllPoint ATMs
When you open a Benefits Checking account, you will receive a United Bank ATM/Debit MasterCard that gives you fee-free access to over 55,000+ United Bank and AllPoint ATMs throughout the country. See our Locations page to find a participating ATM near you.
Set Up Direct Deposit
Take the hassle out of depositing your check by setting up direct deposit. Remember, if there is an aggregate monthly direct deposit amount of $500+, your monthly service fee is completely waived. Transactions must post and clear within the statement cycle in order to receive credit.
*ATM Fee - Outside of Network: $3.00. Fee may be assessed if ATM is outside of the AllPoint or United Bank networks.