Monthly fee
$7
−$84 a year for an everyday customer: fees and interest, $2,000 kept.
United Bank · Checking account
United Essential Checking
−$84 a year for an everyday customer. $7 a month. $25 to open.
- A year, everyday customer
- −$84
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · bankwithunited.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · bankwithunited.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#786of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Budgeting tools
- Debit card
- Mobile check deposit
- Mobile wallet
- No minimum balance
- No overdraft fees
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $7 a monthbankwithunited.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- No monthly fee for customers 25 and underbankwithunited.com, checked Nov 8, 2026
- Minimum to open
- $25bankwithunited.com, checked Nov 8, 2026
- Overdraft fee
- $36bankwithunited.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Nonebankwithunited.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3bankwithunited.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 2.5%bankwithunited.com, checked Nov 8, 2026
- Incoming domestic wire
- $15bankwithunited.com, checked Nov 8, 2026
- Outgoing domestic wire
- $25bankwithunited.com, checked Nov 8, 2026
- Incoming international wire
- $15bankwithunited.com, checked Nov 8, 2026
- Outgoing international wire
- $50bankwithunited.com, checked Nov 8, 2026
- Inactivity fee
- $10bankwithunited.com, checked Nov 8, 2026
- Cashier’s check
- $8bankwithunited.com, checked Nov 8, 2026
- Stop payment
- $36bankwithunited.com, checked Nov 8, 2026
- Card replacement
- $10bankwithunited.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees