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Checking Accounts

From Your Garage to Fortune 500

Whether your business is just starting up or generations old, we offer flexible, scalable business checking and cash management solutions that can grow along with your company.
Business Freedom Checking

Ideal for businesses and non-profits with lower monthly check writing and deposit activity.

  • No monthly service charge; no minimum balance requirement.
  • eStatements are free. Otherwise, $3 monthly fee for paper statements.
  • Monthly allowance of 250 combined items1. If you exceed this allowance, items will be processed at $0.40 per item2.
  • First $10,000 per month of cash deposited is complimentary; $0.15 per $100 after that.
  • Open a new account with as little as $100.
Business Select Checking

A great option for businesses that have a higher number of transactions and cash deposited every month.

  • A $12.50 monthly service charge can be avoided with one of the following:
    • $2,500 minimum daily balance or
    • $10,000 in combined deposits3 or
    • $50,000 in outstanding loan balances4
  • Monthly allowance of 500 combined items1. If you exceed this allowance, items will be processed at $0.40 per item2.
  • Cash deposited is complimentary.
  • Open a new account with as little as $100.
Business Analysis Checking

If your business has high transaction volumes or more complex banking needs, this analyzed account puts higher balances to work for you.

  • $25 monthly service charge. No minimum balance requirement.
  • Earnings credit, based on collected monthly average balance, is available to offset any monthly fees incurred.
  • Per transaction and cash deposited fees apply, which can be offset by earnings credit.
  • Open a new account with as little as $100.
Open Product Comparison

Compare your options.

Business Freedom Checking Business Select Checking Business Analysis Checking
Minimum Opening Deposit $100 $100 $100
Monthly Service Charge $0 $12.50 $25
Maintain to Avoid Monthly Service Charge -- $2,500 minimum daily balance
-OR-
$10,000 in combined deposits3
-OR-
$50,000 in outstanding loan balances4
Earnings credit, based on collected monthly average balance, can offset monthly maintenance charge and other service fees.
Monthly Combined Item1 Limit 250 500 Per transaction fees apply, which can be offset by earnings credit
Excess Combined Item Fee4 $0.40 per item after 250 $0.40 per item after 500 Per transaction fees apply, which can be offset by earnings credit
Monthly Cash Deposited Limit $10,000
($0.15 per $100 thereafter)
Unlimited $0.15 per $100
Paper Statements $3 -- --
Earns Interest No No No
Close Product Comparision

Online and Mobile Banking

Dive right into your desktop, laptop, smartphone or tablet and explore the world of convenient banking.

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Business Debit Cards

United’s MasterMoney® Business Debit Card can not only handle your everyday business purchases but land you some pretty cool merchant rebates, as well.
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Cash Management

Your business is unique. Your Cash Management should be too. We specialize in providing the tools you need to efficiently manage the finances of your business and save you time and money.
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Business Savings Account

While you're busy running your business, your United Community Bank Business Savings Account is busy safeguarding and growing your savings.

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Merchant Services

Transform your business with payment processing and business management solutions, customized just for you.

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Business Credit Cards

Explore all your business credit card options with United Community Bank. Whether you're looking to get cash back, earn rewards or just secure a low interest rate, we've got you covered.

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

Who do I contact if I have questions about my business account?

Our Customer Support representatives are happy to assist you
1-800-UCBANK1
(1-800-822-2651)

For Treasury Management Banking Support:
Call us toll-free at 1-866-270-6100
Monday–Friday 8:30am–5:00pm
Or email us at ecorp@ucbi.com

Didn't find what you are looking for?

Click here to contact us.

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Financial tip: avoid free trial scams.

What would you say if I offered you a product to try out if you ordered online, and I told you that this is an absolutely free trial offer? For most people, they would jump at the chance to try out a product for free, even if they were only half-interested in it. But buyer beware. 
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Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments and electronic debits and credits (including debit card transactions).

“Excess Combined Item Fee” will appear as “Activity Charge” on monthly statement.

Deposits include minimum daily balance combined from related business checking, CDs and MMDAs for the preceding month.

Loans include outstanding (i.e. principal) balances from combined business loans.