United BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

United Platinum Checking

0.05%APY · as of Oct 10, 2026

A year for an everyday customer: −$120 fees and interest, $2,000 kept
Monthly fee: $10 a month
To open: $50 to open
On our list: #773 of 986 checking accounts, by a year’s value for an everyday customer

Rate conditions

Balance needed for the APY: $2,500Source · checked Oct 10, 2026
To earn the APY: For balances of $2,500 or more, enjoy tiered competitive interest ratesSource · checked Oct 10, 2026

Monthly fee: $10 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: if your balance drops below $2,500, the monthly charge is only $10Source · checked Oct 10, 2026
Minimum to open: $50Source · checked Oct 10, 2026
Overdraft fee: $36Source · checked Oct 10, 2026
Most overdraft fees in a day: 3Source · checked Oct 10, 2026
Out-of-network ATM fee: NoneSource · checked Oct 10, 2026
International ATM fee: NoneSource · checked Oct 10, 2026
Foreign transaction fee (debit card): 2.5%Source · checked Oct 10, 2026
Incoming domestic wire: $15Source · checked Oct 10, 2026
Outgoing domestic wire: $25Source · checked Oct 10, 2026
Outgoing international wire: $50Source · checked Oct 10, 2026
Inactivity fee: $10Source · checked Oct 10, 2026
Cashier’s check: $8Source · checked Oct 10, 2026
Stop payment: $36Source · checked Oct 10, 2026
Card replacement: $10Source · checked Oct 10, 2026

Bill payBranch accessDebit cardInterest bearingMobile check depositZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees