UBenefit Interest Checking

Want to earn 3% interest without the worry of meeting a minimum balance requirement? We thought so. That's why we offer the UBenefit Interest Checking Account, which allows you to earn interest, plus make no-fee ATM transactions at other banks' ATMs.

Your UBenefit account comes with free basic checks, unlimited online banking, online bill payment, and mobile banking features, too.

Account Features
  • No minimum daily account balance
  • Minimum dollar signature-based debit card transactions volume per calendar month to avoid service charge: $100 
  • $10 monthly service charge if not met
  • $5 monthly paper statement fee if not enrolled in eStatements
  • Minimum opening deposit of $100
  • Annual Percentage Yield: Up to 3% interest on balance up to $10,000*
  • Rate Tiers
Scroll to the right to view the rest of the table.
Balance Level Monthly signature-based debit card transaction volume Annual Percentage Yield
$0 - $10,000 $0.00 - $99.99 0.01%

$100.00 - $499.99 0.25%

$500.00 - $999.99 1.00%

$1,000 - $1,499.99 1.00%

$1,500.00 and over 3.00%
Over $10,000

Other features include:
  • Up to 5 no-fee ATM transactions at other banks' ATMs per calendar month**
  • Free basic checks 
  • Unlimited check-writing
  • Free Online and Mobile Banking with Bill Pay
  • Free Mobile Deposit**** 
  • Free External Transfers***
  • Person-to-Person Payments
  • Debit Card
  • Free Email and Text Alerts****
  • Budgeting Tool

* Rate effective 9/1/20, subject to change without notice. Fees may reduce earnings on the account. 
** United Bank will waive our service charges and pay the other banks' assessed service fees for up to 5 ATM transactions per card per calendar month. 
*** Subject to approval 
**** Standard messaging, airtime and data charges may apply.