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Savings

Think big. We're here to help you make things happen.

Can you save a million dollars? That's an ambitious goal. But with some time and persistence, you can definitely build a solid financial foundation, prepare for the future, add sparkle to your holidays and take big steps toward making tomorrow's dream comes true.

Personal Savings

Rainy days? Maybe. But our interest-earning accounts are also great places to save for things that fill your life with sunshine and smiles.

Personal Savings

Christmas Club

By saving year-round, you can bring more joy to your family's world and put another gift or two under the tree.

Christmas Club

Saver CD

With each passing month, automatic contributions to this Certificate of Deposit will push your savings efforts to new heights.

Saver CD

Health Savings Account

Take the sting out of big medical bills with a special savings account that helps you save for future doctor, dental and vision care.

Health Savings Account

United Bank is a full-service financial institution with branches in Alabama and Florida.

So what would you like the future to hold? Maybe a week at the beach. A gourmet set-up in the kitchen. A son or daughter at State U. Or the security of knowing you can handle life’s ups and downs. With a United Bank savings account, you set the goals and we’ll give you the tools to work toward them.

Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

Deck the halls with a lot more dollars

From family gatherings to festive meals to fantastic gifts, the Christmas season can cost a pretty penny. One way to make it all more affordable is with year-round deposits to a special interest-earning account. When November arrives, all the money will be automatically deposited in your United Bank checking account for quick and easy access.

Christmas Club accounts are limited to one per customer
Maximum balance of $10,000
Minimum automatic deposit of $20 each month
Additional deposits permitted
Account must be linked to a United Bank checking account for November distribution¹
Competitive interest accrues monthly and is paid at distribution (Interest rate in effect when the account was opened)²
$10 fee if withdrawals are made outside standard distribution date.
$10 fee if you close the account before distribution date³

¹ Distribution date will occur on the nearest business day following November 1. This date may vary.
² Interest rate and Annual Percentage Yield (APY) may change without notice.
³ Fees may reduce earnings.

Month after month, your money reaches new heights

Given time, you can execute a complex investment plan. But busier people might opt for a savings strategy that runs on autopilot. With a United Bank Saver CD, you schedule automatic monthly transfers from your checking account. That constant cash infusion – plus higher interest earnings - builds up your balance while you tend to life’s other important matters.

Minimum initial deposit of $100; maximum deposit of $50,000
Minimum monthly contribution of $25; maximum contribution of $500
Choose savings terms ranging from one to five years
Certificates of Deposit feature higher interest earnings than most traditional savings accounts
In general, longer term CDs feature higher interest earnings
Track your progress through Online Banking or our mobile app
CDs are a safe, secure investment with deposits up to $250,000 insured by FDIC

Just what the doctor ordered to offset medical costs

What makes an injury, illness or a chronic health condition even worse? Worrying about how to pay the health-care bills. At United Bank, we offer tax-advantaged HSAs that help you save the money needed to cover a wide range of doctor, dental and vision care, as well as prescription costs. That puts the focus back where it should be – on getting healthy and happy again.

Designed for individuals and families with high-deductible medical plans¹
Contribute up to $3,650 annually for individual accounts and up to $7,300 for families²
Earn competitive interest
Benefit from several tax advantages, including tax-free interest earnings and withdrawals; consult your financial advisor for details
Access funds with free debit card
Monitor savings progress with digital banking tools⁴
Unused funds in any one year roll over to the next year
$5 monthly fee³
$10 fee if account is closed within 180 days of opening
Annual expense reports and monthly e-Statements available

¹ HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
² IRS contribution limits subject to change. Consult the IRS for current limits
³ Fees may reduce earnings.
⁴ Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.