Debit or Credit?

Finding the right solution starts here.

Learn the differences and benefits of both cards to determine which works best for your financial needs.

Girl holding card


Accepted worldwide and enables you to make purchases, spread out payments, and manage them easily.

  • Manage the Budget

    Use your monthly card statement as a master receipt for purchases while tracking your monthly spending.
  • Keep Score

    A high credit score helps you obtain lower interest rates to save money on future loans. Using your card regularly and responsibly can demonstrate credit worthiness while you build a better score.
  • Hang On to Your Money Longer

    Although credit cards do charge interest, there is a period of time to pay off your balance without incurring interest charges1. These interest-free days typically range between 20-30 days.
  • Use It and Be Rewarded

    Depending on your card, you can earn cash back, travel rewards, and more. Damage protection and product warranties are extended to qualifying items purchased with your card.
  • Peace of Mind

    Your United Community Bank Credit Card is ideal for emergencies. If your card is lost or stolen, you can report it anytime. Depending on the card, most credit cards have Zero-Liability Fraud Protection3.

Learn More About Our Credit Cards.


A card that gives you the convenience of cash and instant access to your checking account.

  • Works Just Like Cash

    Purchases are deducted automatically from your checking account.
  • Save Money

    Debit cards have no annual fees or interest charges. Using your debit card for day-to-day purchases and to pay bills eliminates checks.
  • Keep Track

    With online and mobile banking, you can track your debit card transactions, add alerts to monitor current balances and purchase notifications as they happen, and view your transaction history within your monthly account statement.
  • Rest Easy

    If your card is lost or stolen, you can report it day or night. Your card includes Zero-Liability Fraud Protection2 and 24-hour fraud monitoring protection. Enroll your debit card with Mastercard® SecureCode® for extra protection with online purchases.

Learn More About Our Debit Cards.

For purchases only, and the account must have a zero balance.
2Certain restrictions apply. For details, visit
3Certain restrictions apply. For details, visit

Resource Center

Get financial guidance anytime with our useful tools, educational articles and other valuable resources.

Financial Education

Financial Education



Customer Support

Customer Support