Our Personal
Checking Options

prove we actually see the person using our Personal Checking Accounts. Find yours.

Help Me Choose
RelationshipCheckingLearn More
Student Checking
(Ages 22 & under)
Learn More
Premier CheckingLearn More
Golden Checking
(55 & older)
Learn More
Golden Premier Checking
(55 & older)
Learn More
United Investment CheckingLearn More
What checking account
is right for you?
Basic checking. Service charge waived with deposit/loan relationship OR one qualified direct deposit*****
No monthly service charge.
Interest-bearing monthly. Discounts on checks and safe deposit boxes.
No monthly fee or minimum balance.
Interest-bearing.Free special checks and safe deposit box discounts.
Premium interest rate with unlimited transactions
Low Minimum Opening Deposit
$100
$100
$100
$100
$100
$100
Minimum Daily Balance to Avoid Service Charge
$500
none required
$2,500
none required
$2,500
$10,000
Service Charge Waived with Combined
Deposit/Loan Relationship
Total Deposits/Loans $5,000
-
Total    Deposits/Loans $10,000
-
Total Deposits/Loans $10,000
 Total Deposits $20,000 OR
Total Loans $25,000
Monthly Service Charge
$8*****
$0
$10
$0
$10
$25
Earns Interest
-
-
Yes- Tiered Int.
-
Yes- Tiered Int.
Yes- Tiered Int.
Checks
-
-
$5 Discount
Free Special Wallet
Free Special Wallet
Free Special Wallet
Unlimited Check Writing
Yes
Yes
Yes
Yes
Yes
Yes
Safe Deposit Box Discount
1st year***
-
-
$15
-
Yes
Free Small Safe Deposit Box
Free Official Checks
-
-
3 monthly
-
3 monthly
3 monthly
Convenient services that make banking easier
Free Online Banking and Bill Pay
 
 
 
 
 
 
Free Mobile Banking
 
 
 
 
 
 
Free Alert Messages
 
 
 
 
 
 
Free 24hr Telephone Banking
 
 
 
 
 
 
Free eStatements
 
 
 
 
 
 
Free Unlimited Check Writing
 
 
 
 
 
 
FREE No Fee MasterMoney™
Debit/ATM Card*
 
 
 
 
 
 
FREE 24hr United and
Publix® Presto! ATM Access
 
 
 
 
 
 
Courtesy Overdraft Service****
 
-
 
 
 
 
FREE Direct Deposit
 
 
 
 
 
 
Travelers Checks**
 
 
 
 
 
 
Notary Services**
 
 
 
 
 
 
Visa® Credit Card Services*
 
 
 
 
 
 

*Upon credit approval

**Fees may apply

***Subject to availability

****United Community Bank may pay overdrafts at our discretion and reserves the right to terminate this service at any time. You are required to pay a $35 overdraft fee for each overdraft transaction that is paid by the bank. There is a limit of $280 each day in total fees that you can be charged for overdrawing your account. Items not paid will be returned and you will incur a $35 non-sufficient funds (NSF) fee. Overdraft service applies to checks, pre-authorized electronic debits and online banking and bill payment transactions.Additionally,ATM withdrawals and one-time debit card transactions are covered if you choose to opt in to this service for those transactions. Reimbursement of overdraft coverage payments must be made promptly by making a deposit in your account. Overdraft items are generally not covered for accounts that are not in good standing, do not have regular deposits, or those with excessive overdrafts.

*****Monthly service charge is waived with at least one qualifying $200 direct deposit during the previous month.

+Subject to terms and conditions of the bank