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Call Us: (800) 924-4427

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. Call (800) 924-4427, apply online or stop by one of our locations!
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 E-Statements
  • Free SendMoney

Overdraft Advantage®

First United offers the perfect solution to help manage your money when your funds are running a little low and there are too many days left in the month until payday.

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

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Secure Checking
Secure Checking
With IDProtect®
Opening Deposit
$100
Interest Earning:
No
Monthly Service Charge:
$5.95
Key Benefits:
  • IDProtect®
  • Credit Monitoring
  • 3 in 1 Credit Report
  • Total Identity Monitoring
  • Theft Resolution Service 
  • Add Family Members
Learn More
Secure Checking
Secure Checking Plus
55 years or better
Opening Deposit
$100
or Direct Deposit
Interest Earning:
No
Monthly Service Charge:
$5.95
Key Benefits:
  • Includes all benefits of Secure Checking plus
  • Free Money Orders, Cashier's Checks and Domestic Wires 
  • Discounts on Checks and other services
Learn More
Basic Checking
Opening Deposit
$100
Interest Earning:
No
Monthly Service Charge:
Key Benefits:
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • e-Statements
  • Mobile Banking
Learn More
Prestige Checking
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
  • e-Statements
Learn More
Prestige Plus
55 years or better
Opening Deposit
$100
or Direct Deposit
Interest Earning:
Earn interest on entire balance
Monthly Service Charge:
Key Benefits:
  • Up to 50% discount on custom checks and safe deposit box rental
  • Free Money Orders and Cashiers Checks and Domestic Wires
Learn More
Opening Deposit Interest Earning Monthly Service Charge Key Benefits
Secure Checking
(With IDProtect®)Secure CheckingApply Now
$100No$5.95
  • IDProtect®
  • Credit Monitoring
  • 3 in 1 Credit Report
  • Total Identity Monitoring
  • Theft Resolution Service 
  • Add Family Members
Learn More
Secure Checking Plus
(55 years or better)Secure CheckingApply Now
$100
or Direct Deposit
No$5.95
  • Includes all benefits of Secure Checking plus
  • Free Money Orders, Cashier's Checks and Domestic Wires 
  • Discounts on Checks and other services
Learn 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 E-Statements,
  • Set up direct deposit on the account, or,
  • Have $10,000 total combined deposit balance
×
  • Instant Issue Debit Card
  • Online Banking & Bill Pay
  • e-Statements
  • Mobile Banking
Learn More
Prestige Checking
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
  • e-Statements
Learn More
Prestige Plus
(55 years or better)Apply Now
$100
or Direct Deposit
Earn interest on entire balance$7.50
how to waive

How can I waive the Prestige Plus monthly service charge?

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

×
  • Up to 50% discount on custom checks and safe deposit box rental
  • Free Money Orders and Cashiers Checks and Domestic Wires
Learn More

Benefit Details

Secure Checking

Compare our Secure Checking to other ID protection services 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. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history.
  • 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 Services2 - 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 - Coverage for fraud-related expenses.
  • Debit and Credit Card Registration - Cancel your missing cards, stop unauthorized use and request replacement cards immediately.

Includes:

Secure Checking Plus

Compare our Secure Checking to other ID protection services 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. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history.
  • 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 Services2 - 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 - Coverage for fraud-related expenses.
  • Debit and Credit Card Registration - Cancel your missing cards, stop unauthorized use and request replacement cards immediately.

Includes:

  • Free select style checks***
  • 50% discount custom checks
  • Free money orders
  • Free cashiers checks
  • Free incoming/outgoing wires
  • 50% discount safe deposit box rental <
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking
  • Free E-Statements
  • Free Send Money
  • Free Mobile Check Deposit
  • Overdraft Advantage® 1
  • Free Instant Issue Debit Card
  • Free ATM Transactions*
  • $100 Off Mortgage closing costs**

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 E-Statements,
  2. Set up direct deposit on the account, or,
  3. Have $10,000 total combined deposit balance

Includes:

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!

Includes:

Prestige Plus

Start earning interest on your checking account with Prestige Plus 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!

Includes:

  • Free select style checks***
  • 50% discount custom checks
  • Free money orders
  • Free cashiers checks
  • Free incoming/outgoing wires
  • 50% discount safe deposit box rental <
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Banking
  • Free E-Statements
  • Free Send Money
  • Free Mobile Check Deposit
  • Overdraft Advantage® 1
  • Free Instant Issue Debit Card
  • Free ATM Transactions*
  • $100 Off Mortgage closing costs**
*Up to a maximum of 5 ATM transactions per month.
** Must have auto-draft from your FUB checking account. Applies to secondary mortgage loan only.
***Once box per order.
> Excludes special CD promotions.
< Automatic account debit of annual rental payment require.
1 Must Opt-in for this service.
2 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc.
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