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Benefits Checking


You deserve better, with an account that earns interest and gives more to you

Tiered Interest Checking Account in CT & MA

Enjoy access to your money, while helping your balance grow, with a United Bank interest-bearing checking account. We call it Benefits Checking and it certainly lives up to its name. Not only will you earn interest on the money that stays in your account; you start earning as soon as you open your account. Add in tiered interest rates, a low minimum initial deposit, and our smart money management features and tools, and you have the perfect checking account to achieve just about any financial goal.

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):

Balance: $1-$499
 .03% APY

Balance: $500+
 .05% 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.

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All United Bank Checking Accounts come with

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    ATM or Debit MasterCard
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    direct deposit
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    online banking
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    mobile banking
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    50+ convenient locations