business fees schedule

Effective July 11, 2022 (Subject to Change)

We like business without a lot of fees, so ours are among the lowest you’ll find. Plus, Public Fund Checking offers unlimited transactions and no monthly service charge.


Business Membership Savings Account

No monthly service charge with a minimum average daily balance of $300 or when you have other account relationships with United.

• $3.00/month if none of the above criteria are met

Business Checking

• No monthly service charge

• 200 free combined checks and debit transactions

• $0.35 for each additional transaction

Business Growth Account

No monthly service charge with a $10,000 minimum average daily balance.

• $25.00/month if balance falls below $10,000

• 1,000 free combined checks debit transactions

• $0.35 for each additional transaction

Checking Services

Stop Payment (any type) $30.00
Check Copies - Staff Assisted $5.00
Returned Deposit Items $15.00
Non-Sufficient Funds Items (any type) No fee
Courtesy Pay Fee $20.00
Overdraft Protection No fee
Savings or Line of Credit Transfer Sweep Service $9.00/month

Debit and Credit Card Services

Replacement for Damaged or Lost Card No Fee
ATM Overdraft $20.00/transaction
International Service Assessment (Debit Only) 1%
Activity at non-United ATMs (Foreign institution surcharge may apply)
• > 5 Per Month $2.00/each
• ATM Balance Inquiry $2.00/each
Rush Card Order
• Domestic $35.00
• International at cost
Visa Late Payment Fee (First occurrence) $29.00
• Subsequent Occurrences Within 6 Months $40.00
Visa Non-Sufficient Funds Payment Fee $35.00

Bill Pay

Expedited Payment - Electronic $9.95
Expedited Payment - Overnight Check $24.95
Year End CD disc $24.95
CD Disc Shipping & Handling $1.95

Convenience Service

Corporate Check (Foreign institution surcharge may apply) $5.00
Counter Checks (Minimum 4 checks) $0.75
Account Closing (Within first 90 days) $25.00
Domestic Wire Transfer (3:30 PM EST deadline for same day posting) $25.00
International Wire Transfer $45.00

Treasury Management Services

Business Online Banking
• Basic Online Banking No fee
• Payroll Direct Deposit $10.00/month
• Payroll Items No fee
• Full ACH Services $20.00/month
• ACH Credit and Debit Items No fee
• Per User Fee No fee
ACH Reversals (Self-Serve) No fee
ACH Reversals (Staff Assisted) $5.00/item
$50.00 max
Business Remote Deposit
Scanner Service (Each scanner) $30.00/month
Deposited Items No fee
Mobile Deposit
Business Checking No fee
Business Growth Checking No fee

Other Services

Tax Levy/Garnishment $100.00
Research Services $25.00/hour
ACH or Other Returned Items $35.00
Returned Mail $10.00
Verification of Funds $25.00
United Originated ACH Transactions
• One-Time Transfer Fee $15.00
Collection Item $25.00
Escheatment Fee $50.00
Inactivity Fee $7.00
United Originated Emergency Payroll Request $150.00
Foreign Collection $40.00
Overnight Letter (UPS actual cost) $15.00 minimum
Subpoena Info Request $50.00/hour
Money Service Business $200.00/month
Check Images $15.00/month