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1$8 service charge per monthly statement cycle will be imposed unless the account is enrolled in eStatements through online banking OR there is at least one qualifying direct deposit of $200 or more into this account during the current statement cycle.
2$25 service charge per monthly statement cycle will be imposed unless you maintain a $15,000 minimum daily balance during each day of the statement cycle.
3In addition to the daily minimum balance option, you may also avoid the $25 service charge per monthly statement cycle if you maintain $25,000 in combined consumer deposit balance(s) or maintain $50,000 in combined outstanding principal balances in consumer loan accounts owned and serviced by United Community Bank. Additionally, the monthly service charge may be avoided if the primary account holder for this account also maintains assets under management with United Community Advisory Services, or maintains a mortgage loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of United. (Note: United Signature Checking, advisory services and third party serviced loans must all be reporting under the same tax identification number in order to qualify for service charge waiver.)
4ATM transactions/balance inquiries outside of United or Publix Presto! ATM network are subject to charges by other institutions.
5Stop payments authorized through Online and Mobile Banking will not incure a fee. Each in-branch stop payment will incur a $6 fee.
aMessage and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
bFees may apply.
cUpon credit approval.
dUnited 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 $36 overdraft fee for each overdraft transaction that is paid by the bank. There is a limit of $288 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 $36 returned item fee. Overdraft service applies to checks, pre-authorized electronic debits and online banking and bill payment transactions. Additionally, ATM withdrawals and on-time debit card transactions are covered if you choose to opt into 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.