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Earn $2001 when you open a new checking account

and meet qualification requirements.

Click here for more details.
 

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Why switch to United Community Bank?

We believe that banking can and should be personal. Service is at the core of who we are, and we strive each day to make a meaningful difference for our customers. Our industry-leading experts and full suite of digital banking services are here to give you the tools you need to meet your financial goals.

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Award-Winning Customer Satisfaction

United is ranked #1 in Customer Satisfaction with Consumer Banking in the Southeast region, according to the J.D. Power 2022 U.S. Retail Banking Satisfaction Study℠. United has received this recognition eight out of the past nine years, a testament to the bank’s commitment to having a strong foundation of customer satisfaction. United is also ranked #1 in Trust.

Claim your $200 offer!

Receive a $200 welcome offer when you complete the following during the 90-day qualification period1

opening deposit online icon

Open a checking account with United Community Bank using promo code Checking200.
direct deposit icon

Receive cumulative direct deposits of at least $2,000.
MastercardTM logo icon

Complete 10 or more purchases using your new United Community Bank MastercardTM debit card.

Choose Your Checking Account

Remember to use promo code Checking200 while filling out the application.

United Checking

  • $50 minimum to open

  • $8 monthly service charge

  • Free access to United ATMs and Publix Presto! ATMs

  • And more!

United Checking for 55+

  • $25 minimum to open

  • No monthly service charge

  • Free access to United ATMs and Publix Presto! ATMs

  • Free standard wallet checks

United Signature Checking

  • $1,000 minimum to open

  • $25 monthly service charge (with options to avoid fees)

  • Free access to United ATMs and Publix Presto! ATMs

  • Free exclusive United Signature Banking checks

Find out which account is right for you.

Compare your options.

United Checking United Checking For 55+ United Signature Checking
Eligibility N/A Ages 55 or better N/A
Minimum to Open $50 $25 $1000
Monthly Service Charge $8 $0 $25
How to Avoid Monthly Service Charge Enroll in eStatements -OR- One (1) qualifying Direct Deposit 3 per statement cycle N/A $15,000 Minimum Daily Balance5 -OR- $25,000 Combined Deposit Balance5 -OR- $50,000 Combined Outstanding Consumer Loans5 -OR- Relationship with United Community Advisory Services or United Community Mortgage Services5
Earns Interest No No Yes, tiered interest rates
Check Orders $10 off the first order
$5 off reorders
FREE (Standard Wallet only. Limited to one (1) order per year) FREE (Exclusive United Signature Banking checks. Limited to two (2) orders per year)
Other ATMs
ATM transaction/balance inquiry outside of United or Publix Presto! ATM network
$1 charged by United4 $0 charged by United4 $0 charged by United4 Up to $5.00 refund per statement cycle on ATM fees charged by other institutions when you access an ATM outside of the United and Publix Presto! ATM networks
Paper Statements $0
Additional fees apply for check images
$0
Additional fees apply for check images
$0
Additional fees apply for check images
eStatements $0 $0 $0
Overdraft Management Options
1. Courtesy Overdraft6

2. Courtesy Overdraft with ATM and debit card coverage6

3. Overdraft Line of Credit7

4. Linked checking, savings or money market account

1. Courtesy Overdraft6

2. Courtesy Overdraft with ATM and debit card coverage6

3. Overdraft Line of Credit7

4. Linked checking, savings or money market account

1. Courtesy Overdraft6

2. Courtesy Overdraft with ATM and debit card coverage6

3. Overdraft Line of Credit7

4. Linked checking, savings or money market account
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Ready to make the switch to United?

It's easy to open your new United Community Bank account online! Once you find your perfect account fit, you'll need these items handy to get started!

social security

Use promo code:  Checking200
 

More convenient ways to open an account.

Schedule an appointment or give us a call–whichever is easiest for you!
 

The power of a community in your wallet.

Your United Community Bank Mastercard® debit card gives you the convenience you need, no matter where life takes you. Your card is accepted at millions of merchant locations worldwide, from online retailers to small businesses in your community. Take advantage of all it has to offer with these benefits:

  • Make cash withdrawals from your checking and savings accounts
  • Manage your debit card from your phone with Card Controls
  • Receive debit card transaction alerts immediately with our free fraud alert service
  • Check out online with peace of mind using Click to Pay
  • Link your card to your digital wallet within your mobile device to make contactless, in-store purchases at participating merchants

Full access at your fingertips.

From coffee shops to carpool lines to your annual family reunion three states away, your account is always within reach. With our personal Online and Mobile Banking2 services, you get on-demand access to your accounts and the ability to:

  • Check your account activity from anywhere
  • Track your personal finances by linking multiple accounts
  • Deposit checks with your smartphone
  • Schedule bill payments 

Keep your finances in one place.

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Checking Account

Whether you’re just getting started financially, or you’re a seasoned pro, we have the best checking accounts for exactly what you need.
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Savings Account

Whether you’re saving for retirement, building a nest egg for the future or creating an emergency fund for a time in need, United Community Bank has the right savings option for you.
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Home Loans and Mortgages

Together, we can make the home of your dreams a reality. All it takes is the right foundation.
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Credit Cards

Stack up rewards points, earn cash back, secure a low APR to consolidate your credit card debt or even start building your credit score when you choose the best credit card offers for you. 
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Investing

Plan for your tomorrow by investing today. We have the right investment opportunities for you.
business store front icon

Business Banking 

We didn't make it onto Forbes' 2020 list of World's Best Banks for nothing. When it comes to your company, we mean business. 

Learning Center

Fraud Prevention: Card Cracking Scams

Banks and law enforcement are cracking down on an emerging scam known as “card cracking.” Card cracking is a form of fraud where consumers respond to an online solicitation for “easy money” and provide a debit card for the withdrawal of fake check deposits.
Read Article

Scam Alert: Beware of Home Warranty Expiration Letters

When you close on a mortgage—or complete any number of financial transactions—hackers are on the prowl for your information and ready to target you with communications that sound legitimate but aren’t. Check out some ways to spot what’s known as a “predatory” communication that you should absolutely ignore.
Read Article

Medical Debt and Your Credit Score

By United Community Mortgage Services

If you’ve paid off debt that was in medical collections, we have exciting news for you: that cleared debt is no longer included on your mortgage credit report. 2023 will see even more changes. See what the changes could mean for you. 
 
Read Article

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.

TMMastercard and the circles design are registered trademarks of Mastercard International Incorporated.

℠ 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.