United Bank - Free Business Checking

Free Business Checking | Account Analysis Checking | Super Money Market Account | Regular Savings | Business Check Card

Free Checking, Value, and Flexibility
All In One Great Package

That�s why United created Free Business Checking, a package of services that includes everything that area businesses need, without all the things they don�t - like fees, charges or minimum balance requirements.

Check out these special advantages:

No monthly maintenance fees
No minimum balance requirements
Only $100 required to open
300 Free Monthly Transactions - Includes deposited items, checks paid and deposits. Transactions above 300 per month are just $0.25 each.
Free Online Banking and Bill Pay - Track your accounts, transfer funds, pay bills and more, all from your computer using Smart Touch� Business Online Banking. A secure, encrypted Internet connection protects your privacy and provides 24/7 access.
United Business Visa� Check Card with No Annual Fee - subject to credit approval
Free check safekeeping available
Check buyback At account opening, bring in your check cards and unused checks from a current business account at another financial institution and we'll buy them from you for up to $20. Ask for more detail.
Plus a Free Gift

Free Business Checking takes care of current business needs and provides plenty of room to grow without all the fees, charges, limitations and restrictions that many other banks impose.

With Account Analysis your account will receive an earnings allowance based on the average 91-day Treasury Bill rate for the previous month times the average daily collected balance. The earnings allowance is compared to expenses incurred by the bank in servicing the account for the month. If the earnings allowance is greater than the expenses, there is no service charge. If expenses exceed the earnings allowance, a service charge equal to total expenses less the earnings allowance is applied to the account as outlined in the account analysis fee schedule.

If you have more than one business checking account, the balances may be combined for the purposes of analysis.

Our Super Money Market Account offers a great rate and liquidity with unlimited withdrawals or transfers (in person, by mail or messenger) and up to six transfers per month, three of which can be by check. To open an account, visit any United Bank office or call 1-800-EASY-UNB.

	Account Fees
	Minimum Opening Deposit	$15,000 (new money)
	Minimum Balance Requirement	None
	Monthly Service Charge	None
	Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$10.00

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

United has a variety of savings plans designed to help your savings work best for you. Whether you're looking for a long-term investment plan or simply a place to keep your money earning interest until you need it, one of United's savings programs can help you plan for the future. Each depositor is insured up to the maximum allowed by the FDIC.

	Account Fees
	Minimum Opening Deposit	$50
	Monthly Maintenance Fee
	For balances of $200 or more	$0
	For balances below $200*	$1
	Excessive Withdrawal Fee (If over 3 per month)	$1

United savings accounts earn a variable rate of interest paid on the collected balance. Interest is compounded and credited to your account quarterly. Statements are sent semi-annually. If you close your account within 90 days of opening, you will be assessed a $5.00 fee.

*There is no monthly fee on savings for senior citizens 62 years or older, non-profit organizations and minors (under 18 years of age). You must notify the bank of your qualification for this exemption.

United Business Check Card

Enjoy the convenience of paying your business expenses and making purchases almost anywhere with a United Business Check Card. Your purchases come right out of your United Bank checking account and are detailed on your monthly checking statement.

Accepted worldwide everywhere that Visa credit products are welcomed.
Easier and more secure than cash or checks.
Protection against unauthorized purchases through the VISA network. See an account agreement for details.
No hassle providing identification at time of use.
Full ATM access. You will have access to nearly 224,000 STAR ATM Machines. In addition, you can use your ATM card in more than 800,000 CIRRUS locations in 66 countries and territories.

To get your United Check Card, ask any customer service representative or call 1-800-345-4UNB.

United Check Card Customers

If you are planning to travel outside the United States, please contact Electronic Banking at the telephone number on the back of your card (1-800-7-CHECK-9). Card usage in some foreign countries may be blocked for security reasons.

To report a Lost or Stolen United VISA� Check Card,
call 1-800-724-3259

This new feature allows United ATM and Check Card holders the convenience and flexibility to change your PIN any time!

All you have to do is:

Insert your card at a United Bank ATM and enter the original PIN.
The next screen that appears may have an option to Change PIN. If not, choose Other.
Select Change PIN and enter your new PIN.
A prompt will ask you to re-enter your new PIN.

Only one successful PIN change will be allowed in a 24-hour period. This service is not available at United Bank off-premise ATMs.

To find ATM locations:

          United ATM locations

          Call 1-800-4-CIRRUS

          Locations Online www.star-systems.com