Benefits of Personal Checking Accounts
No two financial journeys are the same. Whether you’re looking for a starter account or an opportunity to earn interest, the team at First United has you covered with an account built to fit your needs.
Basic Checking
If simplicity and convenience is what you’re after, there’s no better choice than Basic Checking.
To waive the monthly maintenance fee for Basic Checking: maintain an average balance of $500.00 or more; or primary account holder has $10,000+ in combined deposits; or receive at least one direct deposit; or primary account holder is age 17 and under.
Best for: Simple, everyday checking.
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $4.9513
How to waive
Secure Checking
There is only one you. Secure Checking with IDProtect® can help protect your identity.1,3
Best for: Added protection with everyday checking.
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $7.95
Prestige Checking
Enjoy all the convenience of a checking account while earning interest on your money.
To waive the monthly maintenance fee for Prestige checking: maintain an average balance of $1,000 or more.
Best for: Interest-earning checking with higher balance benefits.
- Opening deposit: $100
- Interest earning: Yes12
- Monthly minimum balance fee: $9.9514
How to waive
Benefits of Personal Checking Accounts
No two financial journeys are the same. Whether you’re looking for a starter account or an opportunity to earn interest, the team at First United has you covered with an account built to fit your needs.
-
BASIC CHECKING
If simplicity and convenience is what you’re after, there’s no better choice than Basic Checking.
Best for: Simple, everyday checking.
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $4.9513
How to waive
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SECURE CHECKING
There is only one you. Secure Checking with IDProtect® can help protect your identity.1,3
Best for: Added protection with everyday checking.
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $7.95
-
PRESTIGE CHECKING
Enjoy all the convenience of a checking account while earning interest on your money.
Best for: Interest-earning checking with higher balance benefits.
- Opening deposit: $100
- Interest earning: Yes12
- Monthly minimum balance fee: $9.9514
How to waive
Basic Checking
If simplicity and convenience is what you’re after, there’s no better choice than Basic Checking.
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $4.9513
How to waive
To waive the monthly maintenance fee for Basic Checking: maintain an average balance of $500.00 or more; or primary account holder has $10,000+ in combined deposits; or receive at least one direct deposit; or primary account holder is age 17 and under.
- Personal Checking
- Higher Balance - No
- Minimum Fees
- Identity Theft Protection - No
Business Savings
Interest-bearing account for businesses of all sizes.
- Interest earned on all balances
- Online and mobile banking3,4
- 9 waived debits per quarter1
- Business Savings
- Lower Fees - Lower Interest
- 9 waived debits per quarter¹
Prestige Checking
Enjoy all the convenience of a checking account while earning interest on your money.
- Opening deposit: $100
- Interest earning: Yes12
- Monthly maintenance fee: $9.9514
How to waive
To waive the monthly maintenance fee for Prestige checking: maintain an average balance of $1,000 or more.
- Personal Checking
- Higher Balance - Yes
- Maximum Benefits
- Identity Theft Protection - No
Secure Checking
There is only one you. Secure Checking with IDProtect® can help protect your identity.1,3
- Opening deposit: $100
- Interest earning: No
- Monthly maintenance fee: $7.95
- Personal Checking
- Higher Balance - Yes
- Maximum Benefits
- Identity Theft Protection - Yes
United Business Interest Checking
An account that pays interest to sole proprietors, public funds, trusts, nonprofits and other eligible fiduciary accounts.
- Interest earned on all balances
- Online and mobile banking3,4
- 20 credits and 5 debits waived transactions per month2
- Business Savings
- Higher Fees - Higher Interest
- 20 credits and 5 debits waived transactions per month²
United Business Money Market Gold
Interest-bearing account that provides additional cash access options.
- Interest earned on all balances
- Online and mobile banking3,4
- Access via check-writing and debit card
- Business Savings
- Higher Fees - Higher Interest
- Check-writing
Need new checks? Order them using your account information.
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Explore Our Personal Checking Account Options.
When it comes to checking, one size does not fit all. From IDProtect® to mobile check deposit, we offer account options with features designed around the way you live.
|
Basic Checking |
Secure Checking |
Prestige Checking |
|
|---|---|---|---|
| Online & Mobile Banking1,2 | |||
| Online & Mobile Banking1,2 | ✔ | ✔ | ✔ |
| Touch/Face ID Mobile Banking1,2 | |||
| Touch/Face ID Mobile Banking1,2 | ✔ | ✔ | ✔ |
| No-Fee Foreign ATM Withdrawals8 | |||
| No-Fee Foreign ATM Withdrawals8 | ✔ | ✔ | ✔ |
| Visa® Instant Issue Debit Card10 | |||
| Visa® Instant Issue Debit Card10 | ✔ | ✔ | ✔ |
| Online Bill Pay1,2 | |||
| Online Bill Pay1,2 | ✔ | ✔ | ✔ |
| Mobile Check Deposit2 | |||
| Mobile Check Deposit2 | ✔ | ✔ | ✔ |
| Pay-a-Person1,2 | |||
| Pay-a-Person1,2 | ✔ | ✔ | ✔ |
| e-Statements1 | |||
| e-Statements1 | ✔ | ✔ | ✔ |
| $100 off Mortgage Closing9 | |||
| $100 off Mortgage Closing9 | ✔ | ✔ | ✔ |
| IDProtect® Benefits1,3 | |||
| IDProtect® Benefits1,3 |
‒ |
✔ |
‒ |
| Credit Score Tracker5,6 | |||
| Credit Score Tracker5,6 |
‒ |
✔ |
‒ |
| Cell Phone Protection4 | |||
| Cell Phone Protection4 |
‒ |
✔ |
‒ |
| Health Discount Savings1,7 | |||
| Health Discount Savings1,7 |
‒ |
✔ |
‒ |
| YouFirst Personalized Debit Card11 | |||
| YouFirst Personalized Debit Card11 | ✔ | ✔ | ✔ |
| Earns Interest12 | |||
| Earns Interest12 |
‒ |
‒ |
✔ |
| Minimum Balance to Open | |||
| Minimum Balance to Open |
$100 |
$100 |
$100 |
| Monthly Maintenance Fee/Minimum Balance Fee | |||
| Monthly Maintenance Fee/Minimum Balance Fee |
$4.9513 How to waive |
$7.95 |
$9.9514 How to waive |
Resources to help you manage your money
Your checking account is more than a place to store money. Explore resources designed to help you budget, track spending, and confidently manage your finances.
Budget Calculator
Get a clear picture of your budget by tracking your income and expenses, helping you understand your spending and savings.
Learn MoreCoaching: Create a Budget
Create a budget that fits your lifestyle and learn strategies to stay on top of your finances.
Learn MoreBanking Made Easy: 10 Checking Account Features
Make the most of your checking account with built-in features and security.
Learn MoreTips for Managing Your Finances Well
Discover ways to manage your money, build healthy habits, and stay on track with your financial goals.
Learn MoreMore resources, tools and articles
Visit Spend Life Wisely for more helpful information to support your financial wellness.
Online & Mobile Banking
First United makes it even easier to manage your personal accounts safely and conveniently with our Online and Mobile Banking. With simple-to-use navigation, online features and services, you can do your banking anytime, anywhere and save time and money.
- Mobile Check Deposits
- Apple® Watch App Functionality
- Mobile Bill Pay
- Historical Data & eStatements
- Digital Account Monitoring
- Transferring Funds Between First United Bank Accounts
- Mobile Alerts and Access On The Go
- Budgeting Tools and Capabilities
Start Banking
To get started, simply click, call or come in.
Frequently Asked Questions
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What is a personal checking account?
A personal checking account from First United Bank helps you manage everyday spending and money movement. It allows you to deposit and access funds, pay bills, make debit card purchases, transfer money, and withdraw cash, all while managing your account through online and mobile banking.
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How do I open a checking account?
You can open a First United Bank checking account online or at a local community bank location. Most applications require basic personal information, identity verification, and an opening deposit if required. Once approved, you can enroll in online banking and start using your account.
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Can I open a personal checking account online?
Yes. First United Bank allows you to open a personal checking account online. After completing a short application and verifying your identity, you can fund the account and begin using features like mobile deposit, bill pay, and funds transfers. Some applications may require additional verification.
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What should I look for in a checking account?
When choosing a checking account, look at monthly fees and ways to waive them, minimum balance requirements, digital banking features, security protections like IDProtect® (on select accounts), and access to local support. First United’s online Checking Selector Tool can help match you to the right option.
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What do I need to open a checking account?
To open a checking account online with First United Bank, you must live in Texas or Oklahoma, be a legal U.S. resident, and be at least 18 years old. You’ll also need a Social Security number, a government issued photo ID, your current address and contact information, and an opening deposit if required.
- Registration/activation required.
- Message and data rates may apply. Such charges include those from your communications service provider.
- Benefits are available to personal checking account owner(s)and their joint account owners subject to the terms and conditions for the applicable benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to business clubs, trusts, organizations and/or churches and their members or schools and their employees/students.
- Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/ or insurance documents for complete details of coverage and exclusions. Coverage is offered through company named in the Guide to Benefits or on the certificate of insurance. Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
- Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
- Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit. score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
- This is NOT insurance.
- We'll waive 5 non-First United Bank ATM Foreign Transaction Fees per month.
- Available to eligible First United Bank checking account customers for a qualifying mortgage loan processed through First United Bank’s Mortgage Division. Automatic monthly mortgage payments must be made from an eligible First United Bank checking account. Mortgage loans are subject to credit approval and other eligibility requirements. Offer cannot be combined with any other offer. Mortgage loans may be sold or transferred to investors or other financial institutions. Additional terms and conditions apply. This is not an offer for extension of credit or a commitment to lend. See a Mortgage Loan Officer for more details.
- Additional replacement cards may be subject to a fee.
- $9.95 per card.
- Interest earned based on tiered rate.
- To waive the monthly maintenance fee: maintain an average balance of $500.00 or more; or primary account holder has $10,000+ in combined deposits; or receive at least one direct deposit; or primary account holder is age 17 and under.
- To waive the monthly minimum balance fee: maintain an average balance of $1,000 or more.