Golden Checking

Your financial needs have changed over the years. Has your checking account changed with them? If you’re over 55, you can enjoy no monthly service charge, no minimum balance requirement and free wallet-sized checks with our Golden Checking account.

  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking
  • FREE eStatements
  • FREE Alert Messages
  • FREE Direct Deposit
  • FREE 24 hour Telephone Banking Access
  • Low $100 minimum opening deposit and no minimum daily balance required
  • FREE special wallet checks
  • No monthly service charge
  • Unlimited check writing
  • No monthly fee MasterMoney™ ATM/debit card*
  • FREE 24 hour United and Publix® Presto! ATM access
  • Courtesy overdraft service***
  • Notary services**
  • No annual fee Visa® credit card*

*Upon credit approval

**Fees may apply

***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.

+Subject to terms and conditions of the bank


If Golden Checking isn’t the ideal account for you, check out our other options now.