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You know what you want out of a checking account, and United Community Bank's Golden Checking delivers it if you're 55 years of age and older. There are no monthly service charges and no minimum balance requirements in this no-hassle account that provides plenty of valuable features. Open this account with a $100 minimum deposit.
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1 Message and data rates may apply. Fees may apply for certain optional services available through Personal Online & Mobile Banking
2 Upon credit approval
3 Fees may apply
4 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 $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 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