Personal Banking Products and Services

Free Spirit Checking Account

If you’re looking for economy and convenience, the Free Spirit checking account is for you.


  • Provides a method of payment
  • Minimum opening deposit of $1.00
  • Unlimited withdrawals at National United Bank ATM’s
  • No monthly charge for checks written and deposits made
  • Courtesy overdraft services available
  • Free Debit Card
  • Free Online Banking
  • Free E-Statements
  • Free Mobile Banking
  • Optional Overdraft protection available


  • Saves time and effort – it eliminates the need to carry large amounts of cash
  • Convenient – You may open the account with a small amount and add more later
  • Eliminates the worry of maintaining deposit balances
  • You may access your account through ATM or Debit Card transactions for convenience any time of day
  • Unlimited checks written and deposits made without cost and worry of charges
  • Saves the client money
  • Offers added security


  • No monthly service charge on this account
  • Client pays for own checks
  • Subject to charges when calling Client Services: $2.00 for inquiries, $3.00 for transfers
  • Bill Pay: $2.00
  • Delivery fee: $3.00


This account is only available as an individual or joint account.