Checking Accounts

Personal Banking

COMPARE CHECKING ACCOUNTS

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PREMIER CHECKING
FREE SPIRIT
GOLD PLUS
PERSONAL MMA
SAVINGS
Minimum to Open$1$1$1$1000$100.00 (no minimum for minors)
ATM ChargesNational United ATMs are free, will refund foreign ATM fees if notified w/in 60 daysNational United ATMs are free, $1 for othersNational United ATMs are free, $1 for othersN/ANational United ATMs are free, $1 for others
Monthly Service Charge$9 monthly service charge 50+ = $5 monthly service charge$3.00 monthly service charge for paper statements$3 per month if balance falls below $100$10 per statement cycle if balance falls below $1000 any day of cycle. $2.50 per month if balance falls below $100.00
Checking SuppliesFree Premier checks $5 off order on any other checksMust pay for checksNo charge for special Gold Plus checks, or $5 off order on any other checksMust pay for checksN/A
Over Draft opt-in/opt-out$500 after 30 with no overdrafts. Immediate if DD of $500+$500 after 30 with no overdrafts. Immediate if DD of $500+$500 after 30 with no overdrafts. Immediate if DD of $500+N/AN/A
Overdraft Fee$22 per item$30 per item$22 per item$22 per item$22 per item
Return Item Fee$30 per item$30 per item$30 per item$30 per item$30 per item
Free Online BankingYesYesYesYesYes
Free Bill PayYesNoYesYesYes
Free E-StatementsYesYesYesYesYes
Free Mobile BankingYesYesYesYesYes
WiresDomestic $7.50 and Foreign $25.00 (plus corr. fee on foreign)Domestic $15.00 and Foreign $25.00 (plus corr. fee on foreign)Domestic $7.50 and Foreign $25.00 (plus corr. fee on foreign)Domestic $15.00 and Foreign $25.00 (plus corr. fee on foreign)Domestic $15.00 and Foreign $25.00 (plus corr. fee on foreign)
Cashier's ChecksFree$5Free$5$5
Money OrdersFree$2Free$2$2
Inquiry and Transfer FeeFreeTelephone Inquiry $2 Telephone Transfer $3FreeFreeFree
Interest BearingNoNoYes - with $500 balanceYes - with $1000 balanceYes
Additional BenefitsN/AN/ASafe deposit box 1/2 offN/AN/A
Excessive Activity FeeN/AN/AN/A$5 per debit in excess of 6 per monthly statement cycle$3 for each additional withdrawal in excess of 6 per month