Compare Our Accounts

Free Kasasa Cash Checking:

Account Qualification Information: Enrollments must be in place, and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

• At least 10 debit card purchases⁺
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log in to online banking

⁺See Purpose and Expected Use of Account and Reward Information sections below for further details and limitations.

Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases processed by merchants and received by our bank, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our branch service representatives for a calendar of the Monthly Qualification and Statement Cycles.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000.00 receive an APY of 5.50%; and balances over $25,000.00 earn an APY of 0.50% on the portion of balance over $25,000.00, resulting an in a range of 5.50% to 1.50% APY, depending on the account’s balance (calculated on balances up to $125,000.00). You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Savings ATM transaction fees are not reimbursed nor refunded.

When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. [Interest/dividends] and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/12/2024. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log- ons and other requirements apply. Enrollment in electronic services (e.g., online banking, electronic statements), and log-ons are required to meet some of the account’s qualifications. Limit 1 per primary Social Security number / individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank financial representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Purpose and Expected Use of Account: This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period, particularly near the end of a Monthly Qualification Cycle, are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store two days before the end of the cycle period, would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards, and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

United Bank reserves the right to determine if the account is being maintained for a purpose other than day- to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A United Bank check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time.

FEES AND CHARGES: Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Free Kasasa Cash Back Checking:

Account Qualification Information: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

• Be enrolled in and agree to receive e-statements
• Be enrolled in and log in to online banking
• In addition to both items above, complete the following:
  • At least 10 debit card purchases to earn 5% cash back⁺
  • At least 30 debit card purchases to earn a higher cash back rate⁺

⁺See Purpose and Expected Use of Account and Reward Information section below for further details and limitations.

Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases processed by merchants and received by our bank, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our branch service representatives for a calendar of the Monthly Qualification and Statement Cycles.

*Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: 

• 6% cash back on 30 or more debit card purchases that post and settle to the account during that monthly qualification cycle, up to a total of $200.00 spend (i.e., maximum earnings of $12.00 cash back per Monthly Qualification Cycle).
• 5% cash back on less than 30 debit card purchases that post and settle to the account during that monthly qualification cycle, up to a total of $200.00 spend (i.e., maximum earnings of $10.00 cash back per Monthly Qualification Cycle).  

Additionally, you will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle when account qualifications are met. We reimburse ATM fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back or Kasasa Tunes transactions via ATM; Kasasa SaverATM transaction fees are not reimbursed nor refunded. 

When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after an account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g., online banking, electronic statements) and log-ons are required to meet some of the account’s qualifications. Limit 1 per primary Social Security number / individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank financial representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Purpose and Expected Use of Account: This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period, particularly near the end of a Monthly Qualification Cycle, are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store two days before the end of the cycle period, would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards, and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

United Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A United Bank check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time.

Fees and Charges: Please refer to the separate Fee Schedule for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Free Kasasa Tunes Checking:

*Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $10 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Kasasa Tunes debit card that post and settle to your account during the first 90 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle.  Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. Minimum deposit of $1.00 is required to open the account. No minimum balance is required to obtain this bonus.

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.  “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $8 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com, or Google Play purchases.  In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 0 days after the Monthly Qualification Cycle in which you qualified ends. In addition, you will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases, and ATM fees are not refunded. iTunes, Amazon.com, Google Play refunds, and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account, and the ATM fees were incurred. Rewards are variable and may change after account is opened. Fees may reduce earnings. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. $1 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number / individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank financial service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc.. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc., and Google, Inc. is/are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Purpose and Expected Use of Account: This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.

United Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A United Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Tunes account, any optional add-on products/services associated with this account will also be terminated at the same time.