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Personal Checking Accounts

Overview

First United offers a variety of checking accounts to fit all your needs. All checking accounts come with convenience features like Online and Mobile Banking. Think switching is a pain? We make it easy with our Simple Switch Kit! Already have a Secure Checking Account? Click here to register with IDProtect.

All of our Personal Checking Accounts come with these great benefits:

  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking
  • Free eStatements
  • Free Mobile Check Deposit5
  • Overdraft Advantage®12
  • Free Instant Issue Debit Card3
  • Free Pay-a-Person
  • Free ATM Transactions1
  • $100 Off Mortgage closing costs2

Overdraft Advantage®12

The Overdraft Advantage® service is subject to the Overdraft Advantage® Statement which limits the amount and number of overdrafts and contains certain terms and conditions. We reserve the right to limit, restrict or prohibit overdrafts on individual accounts depending on circumstances.

Learn More cancel

×

Click Apply Now below to complete the full online application.

Secure Checking
Secure Checking with IDProtect
55 years+ USE PROMO CODE "PLUS"
Opening Deposit
$100
Interest Earning:
No
Monthly Service Charge:
$5.95
Key Benefits:
  • Recommended-See Why
  • Credit Monitoring
  • 3 in 1 Credit Report
  • Total Identity Monitoring
  • Theft Resolution Service
  • Family Coverage14
See More
Basic Checking
Opening Deposit
$100
Interest Earning:
No
Monthly Service Charge:
Key Benefits:
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • eStatements
  • Mobile Banking
See More
Prestige Checking
55 years+ USE PROMO CODE "PLUS"
Opening Deposit
$100
or Direct Deposit
Interest Earning:
Earn interest on entire balance
Monthly Service Charge:
Key Benefits:
  • Earn monthly interest!
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • eStatements
See More
Opening Deposit Interest Earning Monthly Service Charge Key Benefits
Secure Checking with IDProtect
(55 years+ USE PROMO CODE "PLUS")Secure CheckingApply Now
$100No$5.95
  • Recommended-See Why
  • Credit Monitoring
  • 3 in 1 Credit Report
  • Total Identity Monitoring
  • Theft Resolution Service
  • Family Coverage14
See More
Basic Checking
Apply Now
$100No$3.50
how to waive

How can I waive the Basic Checking monthly service charge?

There are three ways you can waive the monthly maintenance fee:

  • Sign up for eStatements,
  • Set up direct deposit on the account, or,
  • Have $10,000 total combined deposit balance
×
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • eStatements
  • Mobile Banking
See More
Prestige Checking
(55 years+ USE PROMO CODE "PLUS")Apply Now
$100
or Direct Deposit
Earn interest on entire balance$7.50
how to waive

How can I waive the Prestige Checking monthly service charge?

To waive the monthly maintenance fee for Prestige Checking you must have a $1,000 minimum daily balance.

×
  • Earn monthly interest!
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • eStatements
See More

Benefit Details

Secure Checking with IDProtect

Learn how Secure Checking with Identity Protection protects you from fraud HERE!

Along with all the benefits of free online and mobile banking, IDProtect® includes:

  • Triple Bureau Credit File Monitoring - Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.
  • 3 in 1 Credit Report - 24 hour access to your credit reports from above credit agencies. 
  • Total Identity Monitoring - Continuous monitoring of over 1,000 databases  and public records.
  • Credit Score - Monitor your credit score and keep track of changes and setbacks. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.
  • Identity Theft Resolution Services - Access to a dedicated consumer fraud specialist, assigned specifically to your case, who will work with you until your credit and identity are restored.
  • Up to $10,000 Identity Fraud Reimbursement Coverage 13 - Coverage for fraud-related expenses.
  • Debit and Credit Card Registration11 - Cancel your missing cards, stop unauthorized use and request replacement cards immediately.
  • Coverage for your whole family14 - Cancel your missing cards, stop unauthorized use and request replacement cards immediately.

Basic Checking

Only $3.50 a month OR you may choose to waive your fee and get free checking!

Three ways you can waive the monthly maintenance fee:
  1. Sign up for eStatements,
  2. Set up direct deposit on the account, or,
  3. Have $10,000 total combined deposit balance

Prestige Checking

Start earning interest on your checking account with Prestige Checking!

Only $7.50 a month OR you may choose to waive your fee and get free checking by having a $1,000 daily balance!

1 Up to a maximum of 5 ATM foreign transactions per month
2 Must have auto-draft from your FUB checking account. Applies to secondary mortgage loan only.Mortgage must be auto drafted from First United Bank checking account, secondary loans only.
3 Additional replacement cards may be subject to a fee.
4 $9.95 per card.
5 Message and data rates may apply. Such charges include those from your communications service provider.
11 Some features require activation.
12 Must Opt-in for this service.
13 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc.
14 Family includes: Spouse, persons qualifying as a domestic partner under the provisions of any applicable federal, state or local law, children under 25 years of age and parents of such natural persons who are residents of the same household.

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