FREE BUSINESS CHECKING

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
• We'll give you up to $50 when you open a business account. You'll earn $5 for getting a Check Card, $20 for signing up for free online banking and bill pay, and $5 for opening a savings account. Plus, you'll receive $20 for bringing in your check cards and unused checks from your current business account at another financial institution and present them at the time of account opening. Ask for more detail.

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.

ACCOUNT ANALYSIS CHECKING

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.

SUPER MONEY MARKET ACCOUNT

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* out during the statement cycle.

*Limited to 6 transfers out per statement cycle; limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

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

For Your Convenience, PIN Change for your Business Check Card is also available at United ATMs.

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