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Ranked “Highest Customer Satisfaction with Retail Banking in the Southeast Region, Five Years in a Row”
No matter how you like to bank, we make managing your money easy. Whether you are looking for a checking, savings or CD, get started today by opening your account with our quick and easy online application process.
$15,000 Minimum Daily Balance2
$25,000 Combined Deposit Balances3
$50,000 Combined Outstanding Consumer Loans3
Relationship with United Community Advisory Services or United Community Mortgage Services3
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.)
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.
1A service charge of $5.00 will be imposed every quarter on United Savings accounts if the balance in the account falls below $100.00 any day of the quarter; a service charge of $12.00 will be imposed on United Money Market accounts every monthly statement cycle if the balance in the account falls below $1,500.00 any day of the statement cycle.
Open A Certificate of Deposit (CD)
The interest rate and annual percentage yield APY may change after account opening. Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 10/26/2014.
*Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
1You will have ten (10) days after the maturity date to withdraw funds without penalty, otherwise CD automatically renews at same term with standard rate
2You may not withdraw principal from this account without United’s consent prior to the maturity date, otherwise CD will be subject to early withdrawal penalty: