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(636) 583-2555

Fee Schedule

Regular Checking Account
Average Balance Service Charge on Non-Interest Bearing DDA
$0.00 to $249.99 $5.00 per month
$250.00 to $499.99 $3.00 per month
$500.00 and above No Service Charge
Ultimate Savings Account
Service Charge for Each Additional Withdrawal Over the One Allowed Per Calendar Month $25.00 per withdrawal
Overdraft and Insufficient Funds Fee for Checking/Savings Account Charges*
(see bottom of page for more information)

Overdraft and Insufficient Funds Fee for Checks Paid
or Returned

You will be charged our insufficient funds fee of $30.00 (daily maximum of $180.00) for each overdrawn item that we cover. If the amount of the item that triggered the overdraft is $10.00 or less, a reduced insufficient funds fee of $15.00 will be charged instead of the $30.00. If the total of all overdraft item(s) overdraws the balance $10.00 or less, no insufficient funds fee will be charged for the item(s). Insufficient Fund Fee for Item Returned $30.00 Per Item.
Checking and Savings Accounts
Service Charge for: Inactivity (No External Activity for More Than 365 Days) With Balance Less Than $50.00 $10.00 per month
Service Charge for: Dormant (No External Activity for More Than 731 Days) With Balance Less Than $50.00 $25.00 per month
Second Chance Account Service Charge is $7.00 Per Month
Certificate of Deposit Penalties
Early Withdrawal Penalty The penalty will be an amount equal to seven days' interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
Early Withdrawal Penalty 4% of the amount of the principal being withdrawn prior to maturity.
Negotiable Instruments
Cashier's Checks $7.00 per check
Money Orders $5.00 per check
Special Services
Account Research $25.00 per hour and $0.25 per copy
Checkbook Reconciliation $15.00 per hour
Monitor Signature on Account $10.00 for 60 days
Temporary Checks $0.25 per check
FAX Copies (Minimum of 2 Sent and Received) $1.00 per page
Photocopies $0.25 per page
NOW Account
Service Charges Based on Average Balance
$0.00 to $249.99 $5.00 per month
$250.00 to $499.99 $4.00 per month
$500.00 to $749.99 $3.00 per month
$750.00 to $999.99 $2.00 per month
$1,000.00 and above No Service Charge
Savings Account (Variable Rate)
Money Market Account (Variable Rate)
Savings Account Service Charge for Transactions Over Monthly Limit of 6. $10.00 Per Item Exceeding the Allowed Number of Transactions
Money Market Service Charge $10.00 Per Item Exceeding the Allowed Number of Transactions
Federal Law limits the number of transfers in savings and money market accounts to 6 per calendar month.  Transfers for Federal Law Limits do not include withdrawals at the teller line or at the automated teller machine. A Chargeable Transaction includes ACH and Debit Card withdrawals, wire transfers, telephone (Easy Access Line) transfers, internet banking transfers, and checks written.
ATM/Debit Cards
Fee for DDA and Savings withdrawal at Foreign ATM $1.00 per transaction
Fee for DDA and Savings Inquiry at Foreign ATM $0.45 per inquiry
ATM Replacement Card $5.00 per card
Freedom Check Debit Card Replacement $5.00 per card

 International Fees

Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion.  In addition, Mastercard charges us an Issuer Cross- Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion.  As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%.  The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion.  A cross-border transaction is a transaction processed through Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

Bank Statement
Original Imaged Statement Free
Replacement Statement $5.00
Imaged Check Replacement (Front and Back) Addl. $5.00 per month
Cancelled Check Copy $3.00 per copy
Auto Transfer ($100 Increments) $3.00 per Inquiry
Assisted Telephone Transfers $5.00 per Inquiry
Assisted Telephone Inquiries $2.00 per Inquiry
Miscellaneous Charges
Stop Payment Fee $30.00 per check
Checks Charged Back to Customer's Account $10.00 per check
Collection Items $20.00 Incoming
$20.00 Outgoing
Wire Transfers $12.50 Incoming
$22.50 Domestic Outgoing
$50.00 Foreign Outgoing
Rejected Items Due to Checks Purchased From Vendor Not Authorized by the Bank $1.00 per item

Vendor Check Charges

Garnishment Fee

Fee for Statement Returned for Mail

Varies by Order



Web Banking Services
 Consumer Mobile Capture Fee - No Charge
Personal Accounts:
Review Statements, Transfer Funds between United Bank Accounts and Check Balances On-Line No Charge
Bill Payment Fee for Zero to Ten Checks per Statements Cycle No Charge
Service Charge for Each Additional Check Exceeding the Ten Checks Allowed per Statement Cycle No Charge
 Popmoney - .50 per transaction

* As a personal checking account customer of United Bank of Union, you're entitled to enjoy the benefits of Protect-A-Check overdraft protection. When you maintain a personal account in good standing (making regular deposits and bringing your account to a positive balance at least once every 30 days) United Bank of Union will honor overdrafts up to the pre-assigned account limit. All insufficient funds fees will be assessed for each transaction and deducted from your limit. You will be notified by mail for each overdraft. No interest will be charged on the overdraft balance.

An overdraft notice will be sent each time items are paid or returned. Overdrafts that exceed the established Protect-A-Check limit may result in checks being returned to the payee unpaid. An insufficient funds fee per item will be assessed to your account and the overdraft notice will notify you of our actions. Make sure you deduct all in sufficient funds fees from your checkbook when you receive your notice(s).

Your Protect-A-Check limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments.  Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card transactions using your limit.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.