Which is poor compared to other U.S. banks. Its CDs feature a rate of 0.35% and 1.20% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.10%. Given First United Bank & Trust's noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

First United Bank & Trust charges its customers average fees in comparison to the national average. First United Bank & Trust's checking account has no monthly fee, rating it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is perfect because it charges no out-of-network ATM fees. Additionally, at $42.00, it has a slightly greater overdraft fee compared to the average overdraft fee charged by U.S. banks. First United Bank & Trust unfortunately doesn't refund out-of-network ATM charges, which means you will need to locate a First United Bank & Trust ATM or accept the ATM charge.

I recently opened 2 bank accounts with First United Bank. I’ve been working with large and small banks for over 20 years, and I have to say this was my best experience. All the steps happen fast, smoothly and flawlessly. I received immediately the availability of the funds I deposited. The interactions with the bank’s representatives were personable, quick and efficient. They worked with me to understand my needs and tailor a solution that works perfectly for me. I feel treated like a person, not a number. I’m closing my accounts with 2 other banks and moving everything with First United. Highly recommended!