1Eligibility & Qualifications: Open a new United Checking, United Checking for 55+ or United Signature Checking by September 30, 2022 at a United Community Bank branch or online at ucbi.com/checking200. Promo code must be presented at account opening and is non-transferrable.
RECEIVE $200 WITH UNITED CHECKING, UNITED CHECKING FOR 55+ OR UNITED SIGNATURE CHECKING. Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial 90-day qualification period, beginning the day the account is opened, in order to receive the $200 welcome offer: 1) Receive cumulative direct deposits of at least $2,000 which includes salary, pension, Social Security, or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit; AND 2) complete 10 or more debit card purchases. Recurring debit card transactions do not qualify. Transactions must post to the account within the 90-day qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply.
The welcome offer is not available to existing United Community Bank personal checking customers or those that have closed a personal checking account within the past 12 months at United Community Bank or any of its predecessors. Account must be in good standing at the time of payment; an account is considered to be in good standing if it has a positive balance and is not in the process of being closed. The welcome offer will be transferred into the newly established checking account within 45 days after the end of the qualification period. The welcome offer may be subject to tax reporting, applicable 1099 may be sent for tax purposes and the customer is responsible for any applicable taxes. One welcome offer per household. United Community Bank reserves the right to amend or cancel any part of this offer at any time. Please speak with a United banker for details.
Account openings are subject to Bank approval and may be declined based on certain factors.
2Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
3An $8.00 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 $200.00 or more into this account during the current statement cycle. Qualifying direct deposits are electronic deposits made by an employer, federal or state government, a corporation or organization and include income such as salary, Social Security, pension and retirement, VA Benefits, and annuity or dividend payments.
4ATM transactions/balance inquiries outside of United or Publix Presto! ATM network are subject to charges by other institutions, and United Checking customers will also incur $1 fee from United .
5Avoid monthly service charge on United Signature Checking account by maintaining $15,000 minimum daily balance. You may also avoid the monthly service charge 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.)
6United 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 $108 each day in total fees that you can be charged for overdrawing your account. 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 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.
7Upon credit approval.
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℠ United Community Bank received the highest score in the Southeast Region of the J.D. Power 2014-2018, 2020-2022 U.S. Retail Banking Satisfaction Studies of customers’ satisfaction with their primary bank. For J.D. Power 2022 award information, visit jdpower.com/awards.