Points2U Interest Checking	Free Checking	Twin Checking	All-In-One United Account
Recommended if you want...	To earn a higher rate of interest, travel/merchandise points plus many other rewards	A checking account free of monthly service charges	No monthly service charges and free personalized checks	To earn a high rate of interest by combining your checking and savings accounts
Minimum daily account balance required to avoid monthly service charges	Not applicable	Not applicable	$500 minimum balance in a related savings account. No minimum balance required in checking.	Minimum average daily balance of $2500
Monthly service charges	$15 if more than 7 checks presented/calendar month $15 if less than 7 signature-based debit card transactions/calendar month	None	$10 plus 25¢ per check paid 15¢ all other debits	$30
Minimum opening deposit	$100	$100	$100	$100
Free online banking and bill pay	Yes	Yes	Yes	Yes
Features	Interest earned on balance3 Earn points redeemable for travel/merchandise with each signature-based debit card transaction Up to 5 no-fee ATM transactions at other banks’ ATM per calendar month2 Free basic checks or 50% discount on deluxe checks Free online banking and enhanced bill pay Free mobile banking with text message alerts4 Account requires monthly direct deposit and e-statements	No monthly service charges Unlimited check-writing Free Presto! Check Card Worldwide ATM access Overdraft protection line of credit available1	Free basic checks or a 50% discount on premium checks Unlimited check-writing Free Presto! Check Card Worldwide ATM access Overdraft protection line of credit available1	Interest earned on balance Free basic checks or a 50% discount on premium checks No-fee traveler's checks No-fee money orders No-fee cashier's checks No-fee stop payments No-fee notary services No-fee Medallion Signature Guarantee Unlimited check-writing Free Presto! Check Card Worldwide ATM access Overdraft protection line of credit available1 Free mobile banking with text message alerts4 Up to 5 no-fee ATM transactions at other banks’ ATMs per calendar month2

¹ Subject to credit approval
² Requires accountholder to have a debit card and a regular direct deposit into the account. For up to 2 ATM cards per account, United Bank will waive our service charges and pay the other banks' assessed service fees for up to 5 ATM transactions per card per billing cycle.
³ Interest paid on balances up to $10,000.00
⁴ Wireless service provider may charge fee for text messages.