United Rewards Checking

Are you looking for a checking account that allows your money to work harder for you?

The new United Rewards checking account is just the solution! Simply meet a few easy requirements, and enjoy a premium interest rate, ATM fee refunds and much more.

Earn up to 3.00% APY* and receive nationwide ATM refunds when minimum requirements are met.

No minimum balance. No monthly service charge.

If requirements are not met, no fees apply. Simply try to meet the requirements the next month!


Account benefits:

  • Earns up to 3.00% APY* when all qualifications are met
  • Nationwide ATM fee refunds of up to $20 per monthly qualification cycle**
  • No minimum balance to earn rewards
  • All interest payments and ATM fee refunds are deposited to your checking account on a monthly basis
  • No monthly fee
  • Free Visa Debit Card
  • Free Home Banking

Free e-notifications:
Receive a monthly email that automatically
notifies you of your qualification status!


To earn rewards each monthly qualification cycle, you must meet the following qualifications:

  • Have at least 12 debit card transactions post and clear
  • Access Home Banking (online banking)
  • Have at least one direct deposit post and clear
  • Receive e-statements

Qualification Cycle Dates:

Each of the United Rewards checking qualifications must be met during the monthly qualification cycle.  Transactions must post and clear during these dates in order for members to receive a higher rate of interest and any ATM fee reimbursements. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.

The qualification cycle ends on the last business day of each month.

*3.00% Annual Percentage Yield (APY) paid on balances between one penny to $10,000 each monthly qualification cycle the minimum requirements are met. When requirements are met, an interest rate of 0.25% will be paid only for that portion of your average daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 3.00% to .05%, depending on the balance in this account. If you do not meet the requirements each qualification cycle, your account will still function as a free checking account earning a base rate of 0.05% APY; however, you will not receive ATM refunds for that time period. Rates effective as of October 1, 2013. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge. Fees may reduce earnings. Interest will be paid the last day of each month. **ATM fee reimbursements up to $20 per cycle are provided only if qualifications are met within the monthly qualification cycle. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. Intra-bank transfers do not count as qualifying ACH transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable.

Open your account today!

To open your United Rewards Checking account, simply call 713-674-5778, and a membership services representative will be happy to assist you.



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