Download Acrobat Reader 5.0 or higher to view .pdf files. United Bank Personal Business Wealth Management Mortgage Services About Us Open Login When people think about “putting money in the bank,” a personal savings account is usually what they have in mind. The appeal of earning interest safely over time is traditional, yet it still holds value today. Whether your personal banking needs involve saving for a future obligation or dreaming of a big purchase, United Bank offers several tried-and-true, FDIC-insured options. Savings accounts are also a great place to park your 'emergency savings' funds. This handy calculator can help with the planning. Savings tip: Consider setting up an automatic funds transfer (AFT) from your checking account to occur on a scheduled time each month, making the process a little easier. Call or visit us to schedule your AFT today. Regular Savings Account Start setting something aside with a basic personal savings account. Open Now Avoid service charge with minimum balance of $100 ($3 for each quarter otherwise) Open with only a $50 minimum deposit Interest-bearing - see Rates for additional information Up to three FREE withdrawals permitted for each quarter ($2 charge for each additional withdrawal) Minor Savings Account Teach the next generation about saving with this specially designed personal savings account. No minimum balance required No minimum opening deposit required Interest-bearing - see Rates for additional information Up to three FREE withdrawals permitted for each quarter ($2 charge for each additional withdrawal) Adult custodian required for withdrawals The RESERVE Account Maximize your flexibility with accessible savings. Exclusively offered as a partner account to the Gold LIFE Checking. Only $50 minimum deposit to open Up to six FREE withdrawals permitted per statement cycle ($10 fee for each additional withdrawal) Withdrawals are only allowed as a transfer into the Gold LIFE Checking account. Interest rates are tiered - see Rates for additional information Christmas Club Savings Be prepared when gift-giving season arrives. No minimum balance required Only $50 minimum deposit to open Interest-bearing- see Rates for additional information Balance issued as a check or direct deposit in mid-November ($5 penalty for early withdrawal and account closure) Certificates of Deposit Capitalize on a longer-term savings horizon with a certificate of deposit (CD). Certificates of Deposit have terms from six months to five years – the longer the term, the more attractive the rate of return. A minimum of $500 is required to open, and an early withdrawal may apply. See our rates page to open a certificate of deposit online. Health Savings Account For HSA-qualified High Deductible Health Plan (HDHP) participants. Consult with your tax advisor for your eligibility to own an HSA. No minimum balance requirements. Use funds easily with a debit card. Only $2 per month. Opt-in for e-statements, and waive the $3 paper statement fee. A Health Savings Account can be a powerful tool in your retirement savings plan, but only if its structure and advantages meet your specific circumstances. We recommend that you do your research carefully before using an HSA, and consult your tax advisor. We offer these calculators to help you chart your HSA journey: HSA vs. Traditional - a comparison tool HSA Savings - what will my account be worth over time? Contribution Calculator - helps you determine your contribution limits, based on tax year and other factors Goals Calculator - develop a strategy to maximize this retirement savings tool Other helpful resources to consider for your Health Savings Account: HSA Guide for frequently asked questions and IRS contribution limits for each tax year. Saving and Investing for Health Care - a whitepaper from our partners at Northern Trust Investments, Inc. Tax Benefits of Health Savings Accounts - a whitepaper from our partners at Northern Trust Investments, Inc. Rates may change at any time without prior notice. Simplify payments with your mobile device. Allow your phone to do the work for you with contactless payments. Mobile Wallet Life is better with perks. Enjoy benefits that will help you live life to the fullest. Life Checking Helping you find home. Our experts are qualified and experienced to help you with all aspects of home financing. Mortgage Services Learn Locations Help Guides Careers Bank Holidays (Opens in a new Window) Disclosures Follow Us Facebook Twitter Youtube Instagram LinkedIn © 2021 United Bank Member FDIC Equal Housing Lender Created by ProfitStars® Verified: Nov 23, 2021