• 12/04/2021


United Bank offers customers a variety of personal accounts with no monthly fees, no minimum balance, and all the services you could need.

Those who live in West Virginia, Virginia, Maryland Philadelphia, Ohio or Washington DC have the option of opening an account with United Bank. The bank was established in 1839 and therefore has a huge amount of experience and provides excellent customer service. They offer a variety of account types, suitable for individuals and businesses, and offer useful features such as mobile banking.

A major advantage of United Bank is that there is no credit check and they will not refer to ChexSystems before you open a bank account. ChexSystems is an agency that carries out check verification and credit reporting. You may find yourself listed in ChexSystems for a variety of reasons, it could be something as innocuous as forgetting to pay an overdraft fee, or it could be as serious as check fraud. Regardless of the reason, banks will often turn you down for an account if you are listed on ChexSystems or have bad credit, and by using United Bank, you avoid this potential issue.

Account Features and Fees

Individuals can open personal checking accounts, savings accounts, and more. The bank takes pride in offering the most convenient services possible, from fast mobile banking to the ability to meet face-to-face with a banker. They offer three different checking accounts, the United Free Checking, the Platinum Checking, and the United Rewards Checking.

The United Free Checking has no hidden fees, no minimum balance, and offers all the basic features you could need:

  • United Visa Check Card
  • Free e-Statements
  • Free Mobile Banking with Check Deposits
  • Free Online Banking with Bill Pay
  • Check Deposit with Apple Pay / Android Pay/ Samsung Pay
  • No Minimum Balance
  • No Monthly Cycle Service Charge

The Platinum Checking account is perfect for those who are looking to get a bit more from their account. It is designed for those with higher balances who are looking to earn interest; it offers excellent interest rates, and next-tier rates for balances of $2,500 or more, all without charge. If your balance does drop below $2,500 then there is a monthly charge of just $10 (or $8 if you choose to receive e-statements).

The United Rewards Checking account offers all the features of the Free Checking account but with many added benefits such as:

  • Daily monitoring of your credit report with email alerts.
  • Access to exclusive offers, rebates, and discounts at numerous online retailers through the bank’s shopping portal.
  • Discounts of up to 40% on movie and theme park tickets.
  • Discounts of up to 30% on brand name and generic prescription drugs at around 40,000 pharmacies.
  • $5,000 Accidental Death & Dismemberment Insurance
  • Identity Fraud Expense Reimbursement Coverage with Resolution Services

The United Rewards Checking account is free if you use the United Visa Check Card for fifteen purchase transactions per month or maintain a minimum of $500 in monthly direct deposits. Otherwise, the account costs just $10 per month (or $8 if you opt for e-statements).

Additional Services

  • Personal savings accounts
  • Investment and retirement plans
  • Credit Cards with low APRs and low fees
  • Personal loans and mortgages


United Bank is an excellent choice for those looking to open a checking account but are having issues with ChexSystems. The personal accounts offer all the services the vast majority of customers could need, and have the advantage of not charging any monthly fees. Overall, United Bank is certainly one of the best banks for those suffering from problems with ChexSystems.

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