First United Bank

There are three types of personal checking accounts: Prestige Checking, Basic Checking, and Secure Checking.[13] Prestige Checking is a checking account that offers interest. It has a monthly fee of $7.50 unless you keep a minimum daily balance of $1,000. The Basic Checking account has a $3.50 fee unless you have at least one of these three things - eStatements, a direct deposit into the account every 30 days, or a $10,000 minimum balance. The Secure Checking account is the account that offers the most benefits. It has a $6.95 monthly fee. It includes access to ID Protect and Cell Phone Coverage. ID Protect includes access to triple-bureau credit file monitoring and access to your credit report. It also has total identity monitoring and identity theft resolution services. It also will reimburse you up $10,000 for fraud-related expenses.[12]

First United Bank offers three different types of business checking accounts: United Business Free Checking Account, United Business Checking Account, United Commercial Account. [13] The United Business Free Checking Account is designed for growing businesses that need to manage cash flow on the go. It has no service fee.[13] The United Business Checking Account is designed for business that have moderate to high checking needs. This account has $9.95 per month service fee that can be waived if you maintain a minimum monthly balance of $15,000 or a minimum daily loan balance of $50,000. [13] Then, First United offers the United Commercial account which is designed for businesses with large balances and over 75 checks per month.[13] The United Commercial Account has no service fee.

There are four different types of personal savings accounts that First United Bank offers. There is just a Savings Account, a SmartStart Kid's Savings Account, Certificates of Deposit (CD), and a Money Market Account.[13] All of these accounts are interest bearing and have limitations when it comes to different types of withdraws from the account. The Savings Account is a free account that allows up to 9 free withdraws in a quarter and has an opening deposit amount of $100. [13] The SmartStart Kid's Savings Account has an opening deposit amount of $10 and has no fees or limits on withdraws. [13] The CDs offered by First United Bank have terms from 91 days to 5 years and require an opening deposit of $500. [13] The Money Market Account has an opening deposit amount of $100 and up to 6 free withdraws a month. It does have a service fee of $9.95 that can be waived by maintaining a minimum daily balance of $1,500 or greater[13].

First United Bank offer two different types of savings accounts for businesses: the United Business Money Market Gold and United Business Now.[13] The United Business Money Market Gold Account requires an opening balance of $1,000 and has a monthly maintenance fee of $9.95 unless you maintain a minimum daily balance of $5,000. [13] The United Business Now Account is only available for sole proprietors, public funds, trusts, non-profits, and other eligible fiduciary accounts. [13] This account has a $9.95 monthly maintenance fee unless a daily minimum balance of $5,000 is maintained.[13]