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    Checking Accounts

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    Checking Accounts

    The Best Business Bank Account for You

    Get the personal attention your business deserves. Whether you’re just starting up or your company is generations old, we offer flexible, scalable business checking and cash management solutions that will grow along with you.

    No matter which account you choose, you’ll benefit from the United Difference—financial solutions personalized to your needs, convenient online and mobile banking tools, a dedicated banker who answers when you call, and award-winning service.

    Business Checking Account Options

    Business Freedom Checking

    Ideal for businesses and non-profits with lower monthly check writing and deposit activity.

    • No monthly service charge; no minimum balance requirement.
    • eStatements are free. Otherwise, $3 monthly fee for paper statements.
    • Monthly allowance of 250 combined items1. If you exceed this allowance, items will be processed at $0.40 per item2.
    • First $10,000 per month of cash deposited is complimentary; $0.15 per $100 after that.
    • Open a new account with as little as $100.
    • Free, easy-to-use invoicing included with Autobooks5
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    Business Select Checking

    A great option for businesses that have a higher number of transactions and cash deposited every month.

    • A $12.50 monthly service charge can be avoided with one of the following:
      • $2,500 minimum daily balance or
      • $10,000 in combined deposits3 or
      • $50,000 in outstanding loan balances4
    • Monthly allowance of 500 combined items1. If you exceed this allowance, items will be processed at $0.40 per item2.
    • Cash deposited is complimentary.
    • Open a new account with as little as $100.
    Open an Account Schedule an Appointment
    Business Analysis Checking

    If your business has high transaction volumes or more complex banking needs, this analyzed account puts higher balances to work for you.

    • $25 monthly service charge. No minimum balance requirement.
    • Earnings credit, based on collected monthly average balance, is available to offset any monthly fees incurred.
    • Per transaction and cash deposited fees apply, which can be offset by earnings credit.
    • Open a new account with as little as $100.
    Open an Account Schedule an Appointment
    Business Interest Checking

    Put your money to work. Start earning interest on your business checking balances with United's Business Interest Checking Account.

    • $15 monthly service charge can be avoided by maintaining a $2,500 minimum daily balance.
    • Earn tiered interest on your checking balance.
    • Monthly allowance of 250 combined items¹. If you exceed this allowance, items will be processed at $0.35 per item².
    • First $10,000 per month of cash deposited is complimentary; $0.15 per $100 after that.
    • Open a new account with as little as $100.
    Open an Account Schedule an Appointment

    Compare your options.

    Feature Business Freedom Checking Business Select Checking Business Analysis Checking
    Feature
    Minimum Opening Deposit
    Business Freedom Checking
    $100
    Business Select Checking
    $100
    Business Analysis Checking
    $100
    Feature
    Monthly Service Charge
    Business Freedom Checking
    $0
    Business Select Checking
    $12.50
    Business Analysis Checking
    $25
    Feature
    Maintain to Avoid Monthly Service Charge
    Business Freedom Checking
    --
    Business Select Checking
    $2,500 minimum daily balance
    -OR-
    $10,000 in combined deposits3
    -OR-
    $50,000 in outstanding loan balances4
    Business Analysis Checking
    Earnings credit, based on collected monthly average balance, can offset monthly maintenance charge and other service fees.
    Feature
    Monthly Combined Item1 Limit
    Business Freedom Checking
    250
    Business Select Checking
    500
    Business Analysis Checking
    Per transaction fees apply, which can be offset by earnings credit
    Feature
    Excess Combined Item Fee4
    Business Freedom Checking
    $0.40 per item after 250
    Business Select Checking
    $0.40 per item after 500
    Business Analysis Checking
    Per transaction fees apply, which can be offset by earnings credit
    Feature
    Monthly Cash Deposited Limit
    Business Freedom Checking
    $10,000
    ($0.15 per $100 thereafter)
    Business Select Checking
    Unlimited
    Business Analysis Checking
    $0.15 per $100
    Feature
    Paper Statements
    Business Freedom Checking
    $3
    Business Select Checking
    --
    Business Analysis Checking
    --
    Feature
    Earns Interest
    Business Freedom Checking
    No
    Business Select Checking
    No
    Business Analysis Checking
    No
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    1. Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments and electronic debits and credits (including debit card transactions).

      “Excess Combined Item Fee” will appear as “Activity Charge” on monthly statement.

      Deposits include minimum daily balance combined from related business checking, CDs and MMDAs for the preceding month.

      Loans include outstanding (i.e. principal) balances from combined business loans.

      5United Community Bank (“United”) is pleased to offer digital invoicing and payment technology services through Autobooks, Inc. (“Autobooks”), a third-party provider of online accounting services.  By providing your contact information, you consent to be contacted by a representative with Autobooks. United, its subsidiaries, and its affiliates are not affiliated with Autobooks. The services referenced herein are provided exclusively by Autobooks. Customer’s use of such services is solely at customer’s election and is subject to Autobooks’s terms of use in all respects. Certain restrictions and fees apply for use of the service. United and its employees may be entitled to receive fees and incentives from Autobooks based on United’s customer’s use of these services. Autobooks may have privacy and security policies that are different from United’s Privacy Policy and Security Statement. You should review the Autobooks terms of use and the privacy and security policies on the Autobooks website before you provide personal or confidential information.  Please refer to the Autobooks website for its statement on security and compliance. Note: Payments initiated through Autobooks products typically post to your United account in 1-2 business days; longer delays may apply in certain instances. 

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