With a checking account from United Bank of Michigan you can conveniently pay for most anything. We even make it easy to open your account online.


If you're looking for an easy to use checking account that fits your lifestyle, come see us, we're your local bank that makes things easier for you.

  Personal Checking UBenefit Interest Checking Premium
High-Yield Checking
Recommended if you want... A checking account without monthly service charges To earn a higher rate of interest, plus travel/merchandise points A high balance checking account with competitive interest rates
Fees and Rates
Minimum balance No minimum balance required No minimum balance required $10,000 to avoid monthly service charges
Monthly service charges None $15 if less than $75 in signature-based debit card transaction volume per calendar month $30

Minimum opening deposit

 $100 $100  $100

Interest earned on balance

None Tiered interest rate Tiered interest rate increases at higher balance levels

Other Requirements

None Monthly Direct Deposit and eStatements None
Account Features
Unlimited check-writing Yes Yes Yes
Free basic checks or 50% discount on premium checks   Yes Yes
Overdraft protection available** Yes Yes Yes
Up to 5 no-fee ATM transactions at other banks' ATMs per calendar month***   Yes Yes
No-fee cashier's checks     Yes
No-fee stop payments     Yes
50 % discount on safe deposit box rental     Yes
Free Online Banking and Bill Pay Yes Yes Yes
Free Mobile Banking and Bill Pay* Yes Yes Yes
Free Mobile Deposit* Yes Yes Yes
Free External Transfers** Yes Yes Yes
Person-to-Person Payments Yes Yes Yes
Free eStatements Yes Yes Yes
Debit Card Yes Yes Yes
Free Email and Text Alerts* Yes Yes Yes
FinanceWorks Yes Yes Yes

* Standard messaging, airtime and data charges may apply.

** Subject to approval

*** 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 calendar month.