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Personal Checking Accounts

Overview

First United offers a variety of checking accounts to fit your unique needs. All of our accounts come with convenience features like Online Banking and Mobile Banking. Review our accounts below, or give us a call and we will help you find the account that works best for you.

Call (800)924-4427 -or- Stop by one of our locations

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
Opening Deposit
$100
Interest Earning:
No
Monthly Maintenance Fee:
$5.95
Key Benefits:
  • IDProtect®
  • Credit Monitoring
  • Total Identity Monitoring
  • Fully managed Identity Theft Resolution Service
  • And More...
Learn More
Secure Checking
Secure Checking Plus
55 years or better
Opening Deposit
$100
or Direct Deposit
Interest Earning:
No
Monthly Maintenance Fee:
$5.95
Key Benefits:
  • IDProtect®
  • Up to 50% discount on custom checks
  • 50% discount on safe deposit box rental<
  • Free Money orders
  • And More...
Learn More
Basic Checking
Opening Deposit
$100
Interest Earning:
No
Monthly Maintenance Fee:
Key Benefits:
  • Free Instant Issue Debit Card
  • Online Banking & Bill Pay
  • E-statements
  • Mobile Banking
  • And More...
Learn More
Prestige Checking
Opening Deposit
$100
or Direct Deposit
Interest Earning:
Earn interest on entire balance
Monthly Maintenance Fee:
Key Benefits:
  • Earn interest on your money
  • Free Instant Issue Debit Card
  • Online Banking & Bill Pay
  • E-statements
  • And More...
Learn More
Prestige Plus
55 years or better
Opening Deposit
$100
or Direct Deposit
Interest Earning:
Earn interest on entire balance
Monthly Maintenance Fee:
Key Benefits:
  • Up to 50% discount on custom checks
  • 50% discount on safe deposit box rental<
  • Free Money orders
  • And More...
Learn More
Opening Deposit Interest Earning Monthly Maintenance Fee Key Benefits
Secure Checking
Secure CheckingApply Now
$100No$5.95
  • IDProtect®
  • Credit Monitoring
  • Total Identity Monitoring
  • Fully managed Identity Theft Resolution Service
  • And More...
Learn More
Secure Checking Plus
(55 years or better)Secure CheckingApply Now
$100
or Direct Deposit
No$5.95
  • IDProtect®
  • Up to 50% discount on custom checks
  • 50% discount on safe deposit box rental<
  • Free Money orders
  • And More...
Learn More
Basic Checking
Apply Now
$100No$3.50
how to waive

How can I waive the Basic Checking monthly maintenance fee?

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
×
  • Free Instant Issue Debit Card
  • Online Banking & Bill Pay
  • E-statements
  • Mobile Banking
  • And More...
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 maintenance fee?

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

×
  • Earn interest on your money
  • Free Instant Issue Debit Card
  • Online Banking & Bill Pay
  • E-statements
  • And More...
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 maintenance fee?

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
  • 50% discount on safe deposit box rental<
  • Free Money orders
  • And More...
Learn More

Benefit Details

Secure Checking

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

  • 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 credit reports from above credit agencies. Your personal credit report contains details about your financial behavior and identification information. Each credit reporting agency collects and organizes data about your credit history from your creditors' and public records. Your credit report is available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to receive credit. 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 Monitoring2 - continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others.
  • 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 - for expenses to help clear your name and help repair damaged credit.
  • Debit and credit card registration - with one toll-free phone call you will be able to cancel your missing cards, stop unauthorized use and request replacement cards

Additional features included with this account:

  • Free instant issue debit card
  • $100 off mortgage closing**
  • Free online banking
  • E-statements
  • Free mobile banking

Secure Checking Plus

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

  • 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 credit reports from above credit agencies. Your personal credit report contains details about your financial behavior and identification information. Each credit reporting agency collects and organizes data about your credit history from your creditors' and public records. Your credit report is available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to receive credit. 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 Monitoring2 - continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others.
  • 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 - for expenses to help clear your name and help repair damaged credit.
  • Debit and credit card registration - with one toll-free phone call you will be able to cancel your missing cards, stop unauthorized use and request replacement cards.

Additional features of this account:

  • $100 off mortgage closing**
  • 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 instant issue debit card
  • $100 off mortgage closing**
  • Free online banking
  • E-statements
  • Free mobile banking

Basic Checking

  • $100 off mortgage closing costs
  • Up to 5 free foreign ATM transactions monthly

Prestige Checking

  • Earn interest on your money
  • $100 off mortgage closing costs
  • Up to 5 free foreign ATM transactions monthly
  • Free Instant Issue Debit Card
  • Online Banking
  • Online Bill Pay
  • E-statements
  • Mobile Banking

Prestige Plus

  • Up to 50% discount on custom checks
  • 50% discount on safe deposit box rental<
  • Free Money orders
  • Up to 5 free foreign ATM transactions monthly
  • $100 off mortgage closing costs
  • Free select style checks
  • Free cashiers checks
  • Free instant issue debit card
  • Free incoming/outgoing domestic wires
  • Special CD rates
  • Online Banking & Bill Pay
  • Mobile Banking
  • E-statements

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

  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • E-statements
  • Free Instant Issue Debit Card


  • * Up to a maximum of 5 ATM foreign transactions per month.
  • ** Must have your mortgage auto drafted out of your FUB checking account to receive the $100 discount. Applies to secondary mortgage loan only.
  • *** One box per order
  • ****Auto debit of annual box rental
  • > Excludes special CD promotions.
  • < Automatic account debit of annual rental payment required.
  • 1 Must Opt-in for this service.
  • 2 Identity theft expense reimbursement underwritten by insurance company subsidiaries or affiliates of Chartis Inc.
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