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"Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.

As a customer of United Southern Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Please see one of our Operations specialists if you would like additional information on UIGEA or Regulation GG."


Managed Business Checking 1

USB MBA 1:
The USB Small Business Checking Account

This account is specifically designed for small businesses or firms with only a few transactions. Businesses that want a flat, low monthly service charge and do not require a high volume of check writing or do not deposit a large number of items will find this account perfect for them. If you operate a business requiring less than 25 items per month, your best choice is the MBA1. It's the easy way to simplify account record keeping, at a price in line with your size business. The requirements for the account are simple: a minimum daily balance of $1,000 or an average daily balance of $2,000. If the balance requirements are not met, the monthly maintenance fee is just $7. There is a $.25 activity fee for each item processed in excess of 25 items.

Click here to view our new checking account pricing grid.

To find more information about this account, inquire online today!

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Managed Business Checking 2

USB MBA 2:
The USB Medium Sized Business Checking Account

This account is specifically designed for businesses requiring a medium volume of activity - more than 25 transactions but less than 100 transactions per month. This account can benefit a smaller business with higher activity levels. It is also helpful for a larger business with a smaller volume of transactions, wanting to simplify record keeping. Businesses of every size that keep compensating balances can eliminate the monthly maintenance fee. If your business has mid-range requirements, this is the choice for you. The requirements for the account are a minimum daily balance of $2,500 or an average daily balance of $5,000. If the balance requirements are not met, the monthly maintenance fee is just $12, with a $.25 activity fee for each item processed in excess of 100 items.

Click here to view our new checking account pricing grid.

To find more information about this account, inquire online today!

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Managed Business Checking 3

USB MBA 3
The USB Business Checking Account:

This checking account has been our standard for USB customers for many years. Businesses that need more than 100 transactions per month find this account the most attractive. It is one of the most affordable business checking accounts in the area and many businesses benefit from the offsetting earnings credit based on accompanying balances. The Business Checking Account features a convenient pay as you go item processing schedule, which can be advantageous, depending upon the nature of your business. The monthly maintenance fee for this account is just $10.

Then items  are assessed a fee according to their type. The charge for each item paid is $.15, deposited items are $.11 each and each deposit is $.20. Your total service charge for this account depends on your volume of activity. You will also receive an earnings credit on your account based on the Money Market Deposit Account rate. This is paid on the average available balance on your account for the month. It will be applied toward and may completely offset the service charge.

Click to view our new checking account pricing grid.

To find more information about this account, inquire online today!

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Business Checking Account Pricing Grid

Account To Avoid Fees Service Charges
MBA1 $1,000 minimum daily or $2,000 average daily balance $7.00 plus $.25/item over 25 if balance requirements not met
MBA2 $2,500 minimum daily or $5,000 average daily balance $12 plus $.25/item over 100 if balance requirements not met
MBA3 Earnings Credit Rate applies $10.00 monthly
$.15 per item paid
$.11 per deposited item
$.20 for each deposit

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USB Personal Mobile and Online Banking

Track your money with mobile and online banking.   

  • Receive a text message when your direct deposit is made

  • Get a text message alert when a check clears or debit card payment is made

  • Set yourself up to receive a notice when your account drops below an amount you are comfortable with

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Enroll Now

Business Customers should contact a CSR at any branch for enrollment forms.

USB ATM Network

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Get surcharge-free access to your money – no matter where you are! Use any USB ATM free. USB customers can use the Presto ATMs at Publix Grocery Stores. There are over 55,000 AllPoint ATM’s in the US and some foreign countries USB customers can use surcharge-free.  Download their app to your smartphone to locate them.   

Find ATMs