Checking Account Options

Commercial Checking with Electronic Statements*
FREE U.B.U. Deposit Slips
FREE Online Banking
NO minimum balance required
NO monthly maintenance charge

Commercial Checking with Paper Statements*
FREE U.B.U. Deposit Slips
FREE Online Banking
NO minimum balance required
$7.50 monthly maintenance charge (see below)

The following charges are built into the account analysis if used during the statement cycle.  An adequate average balance could result in no service charges for these services.
 

Monthly Maintenance Charge	$7.50/month
Stop Payments	$25/item
Charge Backs	$5/item
Wires Outgoing	$20-50/item
Wires Incoming	$10/item
Lock Box Services	$50-$100/month
ACH	$25/month
Online BillPayPlus	$5.95/month

U.S. Treasury Tax Deposits
Quarterly treasury tax deposits are accepted at United Bank of Union for current business customers.

*All commercial checking accounts are put into analysis.  We use your investable balance in the account for the month to calculate an earnings credit to offset any charges incurred during the statement cycle.  We send out an analysis summary with each account statement that reflects the net charge to the account for that month.  If there is not a charge, an analysis statement will not be mailed.