Since 1950, United Community has provided best in class service to our customers as the foundation of every relationship. Known as “The Bank That SERVICE Built^®,” we are committed to improving lives in the communities we serve. We strive to provide valuable, convenient, and innovative products and services with the attentive service you deserve.

There will be no immediate effects for any ANB customers. You should continue to conduct your banking as you normally do, and you will continue to experience the same great service from the local team you know and trust even after the merger is completed.

ANB and United Community are combining to be able to provide more services to ANB customers, while maintaining the culture of service that you have come to love. ANB has always focused on building relationships, making banking easier, and doing the right thing no matter what. We believe United Community shares these same values and is an exceptional fit for our customers. Both banks have customer-centric community banking philosophies that, when combined, will provide the stability, continuity, and tools of a larger institution.

As a result of the merger, ANB will fully transition to the United brand in mid-July. Our goal is for this transition to be as seamless as possible, ensuring that your banking experience remains as simple and reliable as ever.

Yes. Both United and ANB operate under the same FDIC insurance rules and limits. If you already have separate United Community Bank accounts, after a six-month grace period, these accounts will be aggregated to calculate FDIC insurance limits. Under FDIC rules, for at least six months after the May 1, 2025 merger date, your American National Bank accounts will be separately insured from any accounts you may already have at United Community Bank. This grace period gives you the opportunity to restructure accounts, if necessary.

Following the initial six-month period, checking and savings accounts will be insured as United Community Bank, but Certificates of Deposit may continue to be insured separately for a longer period as described below. Certificates of Deposit will be insured separately until the first maturity date after the end of the six-month grace period. Separate coverage may be extended based on opening and renewal dates, maturity dates, and varying terms or amounts.

The basic FDIC insurance amount is $250,000 for each depositor at each bank. If you have money in both banks, so long as your combined total (including accrued interest) is $250,000 or less, all your money is fully protected. Even if the merger results in you having more than $250,000 in the combined deposits, you may still be fully insured. First, remember that deposits you hold in different “ownership categories”—such as joint, single, and retirement accounts—are separately insured up to $250,000. That means, for example, that after the merger you could have up to $250,000 in single accounts and up to $250,000 in your portion of joint accounts and still be fully insured.

If you have questions about your deposit insurance, please contact us or you can call the FDIC at 1-877-ASK-FDIC and ask to speak to a deposit insurance specialist.

Initially yes; however, ANB will eventually begin operating under the United Community name, with a full transition in mid-July. Our teams will work to make this transition as seamless as possible and remain committed to giving you a positive experience every step of the way.

No, at this time there are no actions that need to be taken. You should continue to conduct your banking as you normally do. We will notify you in advance if any action is needed.

Yes, the ANB and United Community teams are dedicated to you, our customer, and we will communicate frequently throughout this transition. Any account, online, and/or mobile banking changes that may impact you will be communicated well in advance.

If you have any questions and/or concerns, you should contact your local ANB team. Our teams will be working closely together, and your local ANB team will continue to be your trusted resource, both now and after the merger is completed.

Yes! You will continue to enjoy the same convenience and service from the local team of bankers you know and trust, at our 4301 N. Federal Highway location, even after the merger.

Yes. United Community has 8 banking centers from Stuart to Miami. With the ANB merger, you will have access to 9 banking centers in South Florida, including 2 in Broward County, 3 in Miami-Dade County, 3 in Palm Beach County, and 1 in Stuart, Florida.

ANB has an exceptional reputation in the South Florida market for its commitment to its customers, employees, and community. Our guiding philosophy is that we value relationships over transactions, and we value our people because they are critical to our success. We believe that United Community shares these same values and culture of excellence. We are focused on operating a high-performance, financially sound bank, a principle United Community also shares. You will continue to have the same local team of professionals in your corner, but now we will be on more corners with an expanded South Florida footprint. Additionally, you will have access to a greater suite of services, products, and technology to help make banking easier. We genuinely believe this is an exciting new era for our customers and look forward to enhancing your banking experience!