Personal Checking Accounts

At First United, we believe that a checking account should be a reliable tool in your financial arsenal. And depending on how much you want your checkbook to work for you, we have a range of accounts that can really help your financial life.

  YouFirst Checking YouFirst Plus Checking Freedom Checking Interest Checking
 
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Earn Interest No Yes No Yes
Membership &/or
Maintenance Fees
$7.99/month or $80/annually $7.99/month or $80/annually
Plus an additional $9/month if balance requirements are not met
$0 $9/month if balance requirements are not met
Minimum Balance Requirements None Avoid the additional $9 monthly maintenance charge by maintaining $2,500 minimum average balance None Avoid the $9 monthly maintenance charge by maintaining $2,500 minimum average balance
Minimum to open $1 $1 $1 $1
Mobile check deposits Unlimited, free Unlimited, free 3 free per monthly cycle, then $0.99 each 3 free per monthly cycle, then $0.99 each
People Pay Unlimited, free Unlimited, free $0.89 per payment $0.89 per payment
Surcharge-free access to MoneyPass & Sheetz ATMs Yes Yes Yes Yes
My Bank Rewards points for all debit card usage Yes at 5x
e.g. $20 = 5 points
Yes at 5x
e.g. $20 = 5 points
Yes at 1x
e.g. $20 = 1 point
Yes at 1x
e.g. $20 = 1 point
Personal credit line annual fee waiver Yes Yes No No
Debit card and unlimited check writing privileges Yes Yes Yes Yes
Overdraft Protection 1 insufficient funds overdraft per 12-month cycle (calendar year, January 1 - December 31) 1 insufficient funds overdraft per 12-month cycle (calendar year, January 1 - December 31) No No
90-day extended warranty on purchases made with your First United debit card No Yes No No
Internet Banking Access Included Included Included Included
Mobile Banking Access Included Included Included Included
Online Bill Payment Included Included Included Included
Access to eStatements & Online Document Storage for up to 7 years Included Included Included Included
Paper Statements Starting at $2.99
Free for customers 62+
Starting at $2.99
Free for customers 62+
Starting at $2.99
Free for customers 62+
Starting at $2.99
Free for customers 62+
Setup Alerts for Account Activity Included Included Included Included
Annual Financial Planning Consultation Included Included No No
20% Discount on Brokerage Trades Included Included No No
Access to over 360,000 deals in the Bazing Discount Network Included Included No No
Roadside Assistance Included Included No No
Cell phone protection 1, 2 Included Included No No
Identity Theft Aid 1, 2 Included Included No No
Travel Accidental Death Insurance2 Included Included No No
Pharmacy, Vision & Hearing Savings Included Included No No
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*Member FDIC. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. 1) Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. 2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Personal Internet Banking

Our online banking tools give you access to your accounts anytime, anywhere you happen to be. We’re dedicated to giving you a powerful (and powerfully secure) experience online, every time.

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Mobile Banking Apps

First United is at your fingertips. Our mobile app lets you securely transfer money, deposit checks, check balances and more–all on the go.

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Overdraft Services

With two ways to handle overdrafts, you’re covered when you cut it close.

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Inclement Weather Notice - November 16, 2018:

Please watch for updates to our hours of operation, as poor weather conditions contiune to effect the areas we serve.   

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