At First United Bank, we like to keep things simple and to the point. So we’ve created four checking accounts that’ll get the job done – and then some. From basic to all the bells and whistles, there’s an account to fit your needs just right.

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  Minimum Opening Deposit Overdraft Privilege Limit Account Benefits Maintenance Fee
Spirit Rewards
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$50 $500 BaZing Benefits:1
  • Shopping Dining & Travel Discounts
  • $10,000 Travel Accidental Death Insurance9
  • Cell Phone Protection
  • Identity Theft Aid
  • Roadside Assistance
  • Free Branded Checks2
  • 25% Discount on Checks
Can be reduced to $0
with buy-down of $2 for eStatement and $.20 for each debit card transaction.3 THEN, we start crediting you +.10¢ for each debit card swipe!8
Achieve Interest Checking
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$1,000 $700
  • Earns Interest
  • Free Branded Checks2
  • 25% Discount on Checks
Can be reduced to $0
if daily balance never falls below $1,000. If daily balance falls below $1,000, additional excess debit fee of $.25 per item.
Heritage Senior Checking
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$50 $700
  • Free Branded Checks
  • 25% discount on checks
  • Free Money Orders, Traveler’s Checks & Cashier’s Checks
  • ATM Fee Refunds4
If 62 years of age or better.
eMerge Basic Checking
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$100 $300   $0
eStatement required (includes images). $4 with paper statement.

Always Free Benefits:

  • Imaged eStatement
  • Online Banking & Bill Pay5
  • Unlimited ATM Use6
  • Mobile Banking7
  • 24/7 Phone Banking
  • ATM/Visa® Debit Card10

1 - All BaZing benefits are provided by a third party vendor. All benefits, including insurance coverage, are provided by StrategyCorps in conjunction with Member Headquarters Association of which your financial institution sponsors. This sponsorship results in an association membership being provided to each eligible customer and any co-owner of their account. Benefits of program are subject to change without notice.
2 - Limited to one (1) box annually.
3 - Qualified debit card transactions include all PIN and signature-based transactions that post to your account during the current statement cycle. ATM transactions excluded.
4 - Up to four (4) foreign (non-FUB) ATM fees refunded per statement cycle.
5 - $.50 per item after 10 items on eMerge Checking.
6 - Available at all surcharge-free FUB, MoneyPass® and Stripes Convenience Stores ATMs.
7 - Mobile carrier fees may apply. See a Customer Service Representative for details.
8 - $.10 account credit for each qualified debit card transaction once maintenance fee reaches $0.
9 -The investment products offered are not FDIC insured. Products are not deposits, other obligations,  not guarantees or insured by the Bank or any Federal Government Agency. Are subject to investment risk, including the possible loss of principle amount invested.
10 - First issued card is free. $5 replacement fee for lost or replaced cards.