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Visa Credit Cards


United Bank Visa

Classic Visa®*

  • Classic Visa®...one easy application
  • Accepted around the globe wherever you see the VISA® logo
  • Instant purchasing power
  • One monthly payment
  • Flexible payments
  • Safer and easier than cash
  • Cash advances at 200,000 financial institutions
  • Annual fee of $20.00 (Fee waived with a United Bank Deposit Account)
  • 25 day grace period
  • 13.80% Annual Percentage Rate for purchases and cash advances
  • Late payment fee of $30.00
  • Return check fee of $30.00
  • $150,000 Travel Accident Insurance when card is used to purchase your entire travel fare on a common carrier

Visa Platinum*

  • 9.75% Annual Percentage Rate (APR) for purchases
  • 9.75% Annual Percentage Rate (APR) for Balance Transfers
  • Cash Advance APR: 9.75%
  • Annual fee of $25 waived with a United Bank deposit account
  • Late Payment Fee $30.00
  • Return Check Fee $30.00
  • 25 day grace period
  • Identity Theft Insurance $1000
  • Identity Theft Victim Assistance
  • Payment Card Registration
  • Travel Reservation Service
  • 90-Day Product Protection
  • ScoreCard Rewards Program gives cardholders a chance to earn while you spend. Go to www.scorecardrewards.com to track points and see the rewards catalog.
  • $150,000 Travel Accident Insurance when card is used to purchase airline ticket
  • An Annual Summary of Activity is provided at no charge, detailing and categorizing expenditures for the previous year.

*United Bank provides its own Credit Card Specialist to assist you with any needs you may have during normal banking hours. 24-hour assistance is also available 7 days a week at (800)299-9842. In addition, you may access your card information through your United Bank internet banking account or at www.mycardstatement.com.


Affinity Credit Card


Monroe County Heritage Museums

  • $20 Annual Fee
  • Low Fixed Interest Rate (13.80% Annual Percentage Rate on purchases and cash advances, 1.15% monthly periodic rate)
  • Flexible payment methods - Pay in the branch for next day credit, or mail it in!
  • Automatic payments can also be set up in advance to debit the minimum payment, a set amount, or the payment in full
  • United Bank provides its own Credit Card Specialist to assist you with any needs you may have during normal banking hours. 24 -hour assistance is also available 7 days a week at (800)299-9842
  • An Annual Summary of Activity is provided at no charge, detailing and categorizing expenditures for the previous year.
  • Late Fee $30.00
  • 25 Day Grace Period
  • Return check fee $30.00
  • $150,000 Travel Accident Insurance when card is used to purchase your entire travel fare on a common carrier

Subject to credit approval.


FDIC
United Bank
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Equal Housing Lender

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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