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Disclosure of Interest, Fees and Account Terms
Net CD
Completely FREE Checking
50 & Better FREE Checking
E Z FREE Interest Checking
High Interest Checking
Savers Plus
Statement Savings
Reg CC
Net CD
The Net-CD is a 12-month fixed rate CD. A $5000 minimum balance is required to open this CD. Interest is compounded semi-annually. There is a substantial penalty for early withdrawal.
Rate Information
The interest rate on your account is 3.25% with an annual percentage yield of 3.28%. You will be paid this rate until the maturity date of the certificate. Your certificate will mature one year from the receipt of funds. A certificate of deposit receipt will be mailed to you upon receipt of funds.
Interest
Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Interest will be compounded and credited semi-annually.
Minimum Balance Requirements
You must deposit $5,000 to open this account. You must maintain a minimum balance of $5,000 in your account every day to obtain the annual percentage yield listed above.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This applies a daily periodic rate to the principal in the account each day.
Early Withdrawal Penalty
If you withdraw any principal before the maturity date, a penalty equal to three (3) months interest on the principal withdrawn will be charged to your account.
Renewal Policy
This account will be automatically renewed at maturity. You have a grace period of ten calendar days after the maturity date to withdraw funds without being charged a penalty.
Annual Percentage Yield
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
To obtain current rate information you may call 715-597-3136.
Rate and yield are accurate as of June 30, 2007.
Completely FREE Checking
No minimum balance
No monthly service charge
Unlimited, no fee check writing
Check images
Check card -- no application fee or usage fees
Free 24 Hour Touch Tone Banking
Free Internet Banking and Bill Pay at www.unitedbankwi.com
Fee Schedule
$5.00 -- Fee for Stop Payment Order
$25.00 -- Fee for Paid NSF item created by check, in person withdrawal, ATM withdrawal or other electronic means
$25.00 --Fee for Returned NSF item created by check, in person withdrawal,
ATM withdrawal or other electronic means
$5.00 -- Fee per item for returned items
$25.00 -- Per hour Research for Account Reconciliation ($10 minimum)
$1.00 -- Fee for Statement or Item copies
$.50 -- Fee for ATM transactions (non United Bank terminals)
Varies -- Fee for Check printing
$2.00 -- Inactive Account Fee monthly after 6 months
Effect of Closing
A $15 charge will be assessed if the account is closed within 90 days of the opening date.
50 and Better FREE Checking
Competitive interest
No minimum balance
No monthly service charge
No per check charge
Check images
Check card -- no application fee or usage fees
Free 24 Hour Touch Tone Banking
Free Internet Banking and Bill Pay at www.unitedbankwi.com
Fee Schedule
-
$5.00 -- Fee for Stop Payment Order
$25.00 -- Fee for Paid NSF item created by check, in person withdrawal,
ATM withdrawal or other electronic means
$25.00 -- Fee for Returned NSF item created by check, in person withdrawal.
ATM withdrawal or other electronic means
$5.00 -- Fee per item for returned items
$25.00 --Per hour Research for Account Reconciliation ($10 minimum)
$1.00 -- Fee for Statement or Item copies
$.50 -- Fee for ATM transactions (non United Bank terminals)
Varies -- Fee for Check printing
$2.00 -- Inactive Account Fee monthly after 6 months
Balance Computation
We use the daily balance method to calculate the interest on your account. This applies a daily percentage rate to the principal in the account each day.
Frequency of Rate Changes
At our discretion, we may change the interest rate at anytime on your account.
Minimum Balance Requirements
You only need to deposit $50.00 to open this account. There is no minimum balance to maintain and interest is paid on all money in the account.
Compounding and Crediting
Interest begins to accrue on the business day you deposit non-cash items.
Interest will be compounded and credited monthly on statement day.
Effect of Closing
If you close this account before interest is credited you will not receive the accrued interest. A $15 charge will be assessed if the account is closed within 90 days of the opening date.
E - Z FREE Interest Checking
Competitive interest
No minimum balance
No monthly service charge
Unlimited No fee check writing
Check images
Check card -- no application fee or usage fees
Free 24 Hour Touch Tone Banking
Free Internet Banking and Bill Pay at www.unitedbankwi.com
Fee Schedule
-
$5.00 -- Fee for Stop Payment Order
$25.00 -- Fee for Paid NSF item created by check, in person withdrawal,
ATM withdrawal or other electronic means
$25.00 -- Fee for Returned NSF item created by check, in person withdrawal.
ATM withdrawal or other electronic means
$5.00 -- Fee per item for returned items
$25.00 --Per hour Research for Account Reconciliation ($10 minimum)
$1.00 -- Fee for Statement or Item copies
$.50 -- Fee for ATM transactions (non United Bank terminals)
Varies -- Fee for Check printing
$2.00 -- Inactive Account Fee monthly after 6 months
Balance Computation
We use the daily balance method to calculate the interest on your account. This applies a daily percentage rate to the principal in the account each day.
Frequency of Rate Changes
At our discretion, we may change the interest rate at anytime on your account.
Minimum Balance Requirements
You only need to deposit $50.00 to open this account. There is no minimum balance to maintain and interest is paid on all money in the account.
Compounding and Crediting
Interest begins to accrue on the business day you deposit non-cash items.
Interest will be compounded and credited monthly on statement day.
Effect of Closing
If you close this account before interest is credited you will not receive the accrued interest. A $15 charge will be assessed if the account is closed within 90 days of the opening date.
High Interest Checking
Higher interest rate with a balance of $2,500 or more
Competitive interest if balance falls below $2,500
Unlimited no fee check writing
Only $8 monthly charge if minimum balance falls below $1,000
Check images
Check card -- no application fee or usage fees
Free 24 Hour Touch Tone Banking
Free Internet Banking and Bill Pay at www.unitedbankwi.com
Fee Schedule
-
$5.00 -- Fee for Stop Payment Order
$25.00 -- Fee for Paid NSF item created by check, in person withdrawal,
ATM withdrawal or other electronic means
$25.00 -- Fee for Returned NSF item created by check, in person withdrawal.
ATM withdrawal or other electronic means
$5.00 -- Fee per item for returned items
$25.00 --Per hour Research for Account Reconciliation ($10 minimum)
$1.00 -- Fee for Statement or Item copies
$.50 -- Fee for ATM transactions (non United Bank terminals)
Varies -- Fee for Check printing
$2.00 -- Inactive Account Fee monthly after 6 months
Balance Computation
We use the daily balance method to calculate the interest on your account. This applies a daily percentage rate to the principal in the account each day.
Frequency of Rate Changes
At our discretion, we may change the interest rate at anytime on your account.
Minimum Balance Requirements
You only need to deposit $50.00 to open this account. There is no minimum balance to maintain and interest is paid on all money in the account.
Compounding and Crediting
Interest begins to accrue on the business day you deposit non-cash items.
Interest will be compounded and credited monthly on statement day.
Variable Rate Information
Interest rate is determined by loan funding needs and/or prevailing market conditions.
The interest rate is based on the daily ledger balance in the account.
Effect of Closing
If you close this account before interest is credited you will not receive the accrued interest. A $15 charge will be assessed if the account is closed within 90 days of the opening date.
Statement Savings
An important part of every complete savings program.
- Minimum balance $50 (Minors under 18 years exempt)
- Interest compounded and credited semi-annually
- Automatic transfers available
- ATM service available
- $1 Monthly fee if balance falls below $100
- Six withdrawals per month, then $1 per withdrawal
- Open your account online
Savers Plus
You pick the maturity for your Savers Plus account.
- Interest compounded and credited semi-annually
- Open with $10 or more
- Automatic transfers available
- Choose maturity date (minimum six months)
- Three options for pay out at maturity:
- Auto deposit to savings
- Auto deposit to checking
- Check mailed to customer
- $5 early withdrawal fee per early withdrawal
- Open your account online
Reg CC
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