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Smart Business | Analyzed Business | Interest Checking | Money Market Investment |
United Corporate Investment | Business Visa Check Card | Smart Business Overdraft
Deluxe Business Checking & Forms Orders
Smart Business Checking
United's Smart Business Checking gives you convenience, value and flexibility - all in one great package. Designed especially for businesses with low to moderate transaction volume. For added coverage, consider Smart Business Overdraft Protection. Plus, Smart Business Checking gives you free online banking, free online bill pay and other great benefits to help your business thrive.
| Account Fees | |
| $100 | |
| None | |
| No Fee | |
| No Charge | |
| $0.25 | |
No overdraft charge for the first check up to $50.00 per day. | |
| Overdrafts up to 3 per day (per item) | $33.00 |
| Over 3 overdrafts per day | No Charge |
| No Charge | |
*Transactions include deposited items, checks paid and deposits.
Analyzed Business Checking
All accounts receive an earnings credit indexed to the previous month’s average 91-day Treasury Bill rate. The credit will be calculated on your average collected balance less reserve requirements and will be used to offset expenses incurred by the bank in servicing your account. If the earnings credit is greater than the expenses, there is no service charge. If expenses exceed the earnings credit, a service charge equal to total expenses less the earnings credit is applied to the account.
If you have more than one business checking account, the balances may be combined for purposes of analysis.
Business Checking Plus
Business Checking Plus offers eligible customers the benefit of earning interest on daily collected account balances. Interest earned is compounded and credited monthly (available to sole proprietors and non-profit organizations only).
| Account Fees | |
| $1,000 | |
Daily ledger balance of Average monthly balance of |
$1,000 or $2,000 |
| $10.00 | |
First 50 checks per month Each additional check |
No Charge $0.50 |
Money Market Investment Account
The Money Market Investment Account is a useful financial tool for any type of business. Your funds earn a competitive market rate, and you can make unlimited withdrawals or transfers (in person, by mail or messenger) and up to six preauthorized transfers per month, three of which can be by check. Interest is calculated on your daily collected balance and is credited monthly.
| Account Fees | |
| $1,000 | |
Daily ledger balance of Average monthly balance of |
$1,000 or $2,000 |
| $10.00 | |
excess of legal maximum* (per item) |
$9.50 |
*Limited to 6 debits per statement cycle with no more than 3 by check or draft.
Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.
United Corporate Investment Account
The United Corporate Investment Account is a money market account which allows businesses to have access to their funds while earning a premium rate of interest on balances of $75,000 or more. Like the Money Market Investment Account and the United Premier Investment Account, you have the flexibility of making withdrawals or transfers at any time. Interest is calculated on your daily collected balance and is credited monthly.
| Account Fees | |
| $10,000 | |
| $10,000 | |
| $25.00 | |
excess of legal maximum* (per item) |
$9.50 |
*Limited to 6 debits per statement cycle with no more than 3 by check or draft.
Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.
Smart Business Overdraft Protection
For added coverage, complete a brief application and enjoy total peace of mind. Overdrafts up to your credit limit are covered automatically, so you won't be embarrassed or caught short.
- Transfers occur seamlessly and automatically whenever checks presented for payment exceed your available account balance ($100 increments).
- You will receive an email notifying you each time your overdraft line is activated.
- Cover overdrafts by check, debit card or online transactions.
- Credit lines are available from $1,000 to $10,000, with 5-year terms.
- Low annual fee.
Smart Business Overdraft Protection is subject to credit approval. Normal credit standards apply.
United Business Visa Check Card
Add a Business Check Card to Any United Bank Business Checking Account
The United Business Check Card is a great way for small businesses to manage both time and money when getting cash or making office purchases. All transactions are detailed on your monthly checking statement for easy record keeping. Your card can be used at any ATM with the Star, Cirrus or Visa emblems, or instead of a check at any merchant that accepts Visa debit cards.
Business customers can apply for up to two United Business Check Cards linked to the same business checking account. The daily Point of Sale purchase limit is $2,500, with a daily ATM withdrawal or pin-based purchase limit of $500.
For complete information on applying for and using the United Business Check Card, visit any United Bank office or call 703-502-7180 or 1-800-730-6169.
Deluxe Business Checks & Forms Orders
For added convenience, you can now order your business checks and forms online! It's fast, easy, and secure. To browse Deluxe's online catalog, just click below.
Deluxe Business Checks & Forms
