Platinum Savings | Premier Savings | Kids Savings | Minors Savings | Money Market | United Premier Investment | Super Money Market Account

Platinum Savings (Personal Accounts Only)

As our flagship savings plan, Platinum Savings pays great rates, while offering flexibility and easy access to your funds, either in person or at the ATM, with an optional ATM card.

Account Fees

Minimum Opening Deposit	$50
Minimum Balance Requirement	None
Monthly Maintenance Fee	None
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$3

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

Annual Percentage Yield (APY) good as of May 2, 2008. This is a variable rate and may change after the account is opened. Fees could reduce earnings.

Premier Savings Accounts

At every age and every stage of life, it's important to encourage the savings habit. United Bank's Premier Statement Savings Account is a proven way to help you or your family members reach important financial goals. Interest is compounded and paid quarterly.

Account Fees

Minimum Opening Deposit	$100
Minimum Balance Requirement (daily ledger)	$200
If Balance falls below required minimum	$3
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$3

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

Kids' Savings Accounts

Young customers aged 12 and under can learn the value of saving, with a little help from United Bank. In addition to paying a competitive rate, the Bank gives each child a savings bank and a coupon book worth $50 in additional deposits, with one $2.00 coupon per quarter.

An adult must have a United Bank personal checking account relationship. Limit 3 Kids' Savings Accounts per account relationship.

Account Fees

Minimum Opening Deposit	$1
Minimum Balance Requirement	None
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$3

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

Minors Savings

Young savers under 18 can establish a minors savings account. This account is very similar to a typical savings account, except that a parent, grandparent, or guardian must be a joint owner.

Account Fees

Minimum Opening Deposit	$1
Minimum Balance Requirement	None
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$3

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

Money Market Investment

Our money market account pays a competitive rate of interest, yet enables you to 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.

Account Fees

Minimum Opening Deposit	$1,000
Minimum Balance Requirement	$1,000 daily ledger balance or $2,000 average monthly balance
If Balance falls below required minimum	$10
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$9.50

Limited to 6 debits per statement cycle with no more than 3 by check, draft, or Point of Sale.

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

United Premier Investment

This account option has the same features as our Money Market Investment Account, but offers a tiered rate structure based on your account balance. The higher your balance, the higher your Annual Percentage Yield.

Account Fees

Minimum Opening Deposit	$5,000
Minimum Balance Requirement	$5,000 daily ledger balance
If Balance falls below required minimum	$12
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$9.50

Limited to 6 debits per statement cycle with no more than 3 by check, draft, or Point of Sale.

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.

Super Money Market Account (Personal Accounts Only)

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 per month, three of which can be by check. VisaŽ Check Card available and free online banking. To open an account, visit any United Bank branch or call 1-800-730-6169.

Account Fees

Minimum Opening Deposit	$15,000
Minimum Balance Requirement	$15,000 daily ledger balance
If Balance falls below required minimum	$15
Excessive Withdrawal Fee for each withdrawal in excess of 6 per month (per item)*	$9.50

Limited to 6 debits per statement cycle with no more than 3 by check, draft, or Point of Sale.

*Limited items include transfers by telephone, computer, ACH, wire transfer, or any preauthorized or automatic transfers.