Locations & Hours
United Bank offers ATMs (Automatic Teller Machines) in the Union area for the convenience of our customers. ATMs allow you to have access to your checking and savings accounts at all times, with the use of your personal identification number (PIN).
United Bank's ATMs can be found in the following locations:
ATMs are also located at all three United Bank facilities:
Transactions completed at United Bank ATMs are free of charge for United Bank customers. Transactions performed at another bank's ATM will be subject to charges as outlined on our current Fee Schedule. ATM surcharges assessed by other banks may also apply.
ATM cards can be issued to any customer, age 18 or older, free of charge to United Bank customers. The ATM card allows a customer to gain access to checking or savings accounts, whether at a United Bank ATM or another bank's ATM displaying the symbols of the participating networks. Customers select their own Personal Identification Number (PIN).
Freedom Check Card (Debit Card)
The Freedom Check Card, United Bank's debit card, is an ATM card that works like a check too. The Freedom Check Card, issued free of charge to qualifying customers age 18 or older, allows you to use the card (instead of cash or checks) for purchases wherever MasterCard is accepted. Teen Difference account holders can get a free ATM or Photo Debit Card with parents/guardian's signature. The Freedom Check Card allows you to enjoy credit card convenience with no interest, because funds are deducted directly from your checking account. Consult our Personal Bankers to determine which card will work best for you. Account holders should refer to the FEE Schedule for other fees that may apply to their account and particular situations.
As a personal checking account customer of United Bank of Union, you're entitled to enjoy the benefits of Protect-A-Check overdraft protection. When you maintain a personal account in good standing (making regular deposits and bringing your account to a positive balance at least once every 30 days) United Bank of Union will honor overdrafts up to the pre-assigned account limit. An insufficient funds fee will be assessed for each transaction and deducted from your limit. You will be notified by mail for each overdraft. No interest will be charged on the overdraft balance. The amount of any insuffcient funds fee that you owe us shall be due and payable upon demand.
An overdraft notice will be sent each time items are paid or returned. Overdrafts that exceed the established Protect-A-Check limit may result in checks being returned to the payee unpaid. An insufficient funds fee of up to $25.00 (see Fee Schedule) will be assessed to your account and the overdraft notice will notify you of our actions. Make sure you deduct all insufficient funds fees from your checkbook when you receive your notice(s).
Transactions that will be honored by the Protect-A-Check overdraft protection: Checks and other debits cashed at teller windows, Freedom Check Card purchases, ATM card cash withdrawals, ACH debit transactions, Checks issued to a third party, Other transactions currently honored through your account. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
A safe deposit box in our vault is a secure place for valuables that cannot be easily replaced, such as automobile titles, birth certificates, wills, stock certificates, jewelry, heirlooms, and art objects. Our safe deposit boxes are offered in a variety of sizes depending on your individual needs. And our low yearly rental rates provide you the peace of mind that this security offers you. Note, contents of safe deposit boxes are not FDIC insured.
Safe deposit boxes are available at two locations