UBenefit Interest Checking

Want to earn a high rate of 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 travel and merchandise points on debit card transactions and 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: $75
  • $15 monthly service charge if not met
  • Other requirements: monthly direct deposit and e-statements
  • Minimum opening deposit of $100
  • Annual Percentage Yield: Up to 4% 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 - $74.99 0.00%

$75.00 - $299.99 0.50%

$300.00 - $599.99 1.00%

$600.00 - $999.99 2.00%

$1,000.00 - $1,199.99 3.00%

$1,200.00 and over 4.00%
Over $10,000

Other features include:

  • Travel/merchandise points for each signature-based debit card transaction
  • Up to 5 no-fee ATM transactions at other banks' ATMs per calendar month**
  • Free basic checks or 1/2-off deluxe checks
  • Unlimited check-writing
  • Free Online Banking and Bill Pay
  • Free Mobile Banking and Bill Pay****
  • Free Mobile Deposit****
  • Free External Transfers***
  • Person-to-Person Payments
  • Free eStatements
  • Debit Card
  • Free Email and Text Alerts****
  • Budgeting Tool

See Comparison Chart

Account requires monthly direct deposit.

* Rate effective 02/01/18, subject to change without notice. Fees may reduce earnings on the account.

** For up to 2 ATM cards per 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.