Business Checking Accounts

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The Best Business Bank Account for You

Get the personal attention your business deserves. Whether you’re just starting up or your company is generations old, we offer flexible, scalable business checking and cash management solutions that will grow along with you.

No matter which account you choose, you’ll benefit from the United Difference—financial solutions personalized to your needs, convenient online and mobile banking tools, a dedicated banker who answers when you call, and award-winning service.

Business Checking Account Options

Business Freedom Checking

Ideal for businesses and non-profits with lower monthly check writing and deposit activity.

No monthly service charge; no minimum balance requirement.
eStatements are free. Otherwise, $3 monthly fee for paper statements.
Monthly allowance of 250 combined items¹. If you exceed this allowance, items will be processed at $0.40 per item².
First $10,000 per month of cash deposited is complimentary; $0.15 per $100 after that.
Open a new account with as little as $100.
Free, easy-to-use invoicing included with Autobooks⁵

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Business Select Checking

A great option for businesses that have a higher number of transactions and cash deposited every month.

A $12.50 monthly service charge can be avoided with one of the following:
- $2,500 minimum daily balance or
- $10,000 in combined deposits³ or
- $50,000 in outstanding loan balances⁴
Monthly allowance of 500 combined items¹. If you exceed this allowance, items will be processed at $0.40 per item².
Cash deposited is complimentary.
Open a new account with as little as $100.

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Business Analysis Checking

If your business has high transaction volumes or more complex banking needs, this analyzed account puts higher balances to work for you.

$25 monthly service charge. No minimum balance requirement.
Earnings credit, based on collected monthly average balance, is available to offset any monthly fees incurred.
Per transaction and cash deposited fees apply, which can be offset by earnings credit.
Open a new account with as little as $100.

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Business Interest Checking

Put your money to work. Start earning interest on your business checking balances with United's Business Interest Checking Account.

$15 monthly service charge can be avoided by maintaining a $2,500 minimum daily balance.
Earn tiered interest on your checking balance.
Monthly allowance of 250 combined items¹. If you exceed this allowance, items will be processed at $0.35 per item².
First $10,000 per month of cash deposited is complimentary; $0.15 per $100 after that.
Open a new account with as little as $100.

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Compare your options.

Feature	Business Freedom Checking	Business Select Checking	Business Analysis Checking
Minimum Opening Deposit	$100	$100	$100
Monthly Service Charge	$0	$12.50	$25
Maintain to Avoid Monthly Service Charge	--	$2,500 minimum daily balance -OR- $10,000 in combined deposits³ -OR- $50,000 in outstanding loan balances⁴	Earnings credit, based on collected monthly average balance, can offset monthly maintenance charge and other service fees.
Monthly Combined Item¹ Limit	250	500	Per transaction fees apply, which can be offset by earnings credit
Excess Combined Item Fee⁴	$0.40 per item after 250	$0.40 per item after 500	Per transaction fees apply, which can be offset by earnings credit
Monthly Cash Deposited Limit	$10,000 ($0.15 per $100 thereafter)	Unlimited	$0.15 per $100
Paper Statements	$3	--	--
Earns Interest	No	No	No

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With the United Mobile App, you now have complete control of your banking experience. Securely and conveniently access your accounts from the palm of your hand. Download our app today to get started!

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With United's Card Controls, you can manage your debit card from your mobile device, as well as set spending limits, lock/unlock its use, and even use GPS to limit transactions to a specified allowable location.

Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments and electronic debits and credits (including debit card transactions).
²“Excess Combined Item Fee” will appear as “Activity Charge” on monthly statement.

³Deposits include minimum daily balance combined from related business checking, CDs and MMDAs for the preceding month.

⁴Loans include outstanding (i.e. principal) balances from combined business loans.

⁵United Community Bank (“United”) is pleased to offer digital invoicing and payment technology services through Autobooks, Inc. (“Autobooks”), a third-party provider of online accounting services. By providing your contact information, you consent to be contacted by a representative with Autobooks. United, its subsidiaries, and its affiliates are not affiliated with Autobooks. The services referenced herein are provided exclusively by Autobooks. Customer’s use of such services is solely at customer’s election and is subject to Autobooks’s terms of use in all respects. Certain restrictions and fees apply for use of the service. United and its employees may be entitled to receive fees and incentives from Autobooks based on United’s customer’s use of these services. Autobooks may have privacy and security policies that are different from United’s Privacy Policy and Security Statement. You should review the Autobooks terms of use and the privacy and security policies on the Autobooks website before you provide personal or confidential information. Please refer to the Autobooks website for its statement on security and compliance. Note: Payments initiated through Autobooks products typically post to your United account in 1-2 business days; longer delays may apply in certain instances.