Products & Services

We believe that you will enjoy banking with a hometown bank that offers friendly customer service. We care about you and this community because we live here too.

If you have any questions please call 606-546-5143 to speak to one of our customer service representatives who will be happy to assist you with any problems and answer any questions that you may have.

Page Index
Checking
Savings

Checking Accounts

Regular Checking

Free when you maintain a minimum daily balance of $500
Otherwise:
Minimum balance:

below $300 $5.00

$300 to $399 $4.00

$400 to $499 $3.00

$100 minimum to open
Free with Direct Deposit of government, payroll, or retirement checks
Free to Full-Time Students
$10 fee if closed within first 30 days.

UNB Club

This plan is filled with added benefits for you to enjoy free when you enroll in our UNB Club. Services offered with UNB Club enrollment include:

No minimum balance requirement
Accidental Death and Dismemberment Insurance
Free Personalized UNB Club wallet style checks and deposit slips
Free ATM/Debit Card
No Fees for Traveler’s Checks
No Fees for Cashier’s Checks
Safe Deposit Box Discount
2 Free Stop Payments Per Year
Free Notary Public Service
Personal I.D. Card
Merchant Discounts
Automatic transfer of funds to Christmas Clubs Accounts
UNB Customer Hotline
Free Internet Banking
Direct Deposit
UNB Cruise & Travel Club
Identity Theft Insurance

UNB Golden Club

We offer special benefits to customers age 55 or older.

UNB Golden Club Members receive all the UNB Club services free
Minimum daily balance of $500 required
Without $500 minimum daily balance $5.00 Monthly Fee

Check Plus Checking

A special account for certified teachers. Inquire with one of our Customer Service Representatives.

Student Checking Accounts

Free Checking Accounts offered to full-time students

NOW Accounts

Minimum balance is $1,000
If balance falls below minimum NOW requirement a fee of $10.00 is applied

30 checks per month allowed
.10 per check above 30
Interest earned daily, paid monthly on statement date.

Super NOW Accounts

Minimum balance is $20,000

If balance falls below minimum Super NOW requirement the rate converts to current NOW account rate.
If balance falls below NOW minimum ($1000) a fee of $10.00 is applied

Direct Deposit

With Direct Deposit, funds are wired directly into your account. There is no need to wait for your check to clear. In addition to this convenience and safety, your money is available immediately.

Direct Deposit isn’t just for Social Security. Use it for any periodic payment—payroll, annuities, pensions, dividends, and more.

So to save time and steps—and to get faster access to your money sign up for Direct Deposit today.

Savings Accounts

Regular Savings / Passbook Savings

Minimum opening deposit of $100
Free Withdrawals – 4 per quarter
Over 4 withdrawals is $5.00
Early closing fee (first 30 days) is $10.00
Interest earned daily and paid quarterly
Rates subject to change.

Money Market Account

Minimum balance is $1000.
If balance falls below minimum is $10.00
Withdrawals permitted by:

Telephone & Mail

6 Pre-authorized per month

May also be made in person.