Open a Checking Account and Earn up to $300
Do it all with United.
Your home financing is in place, and it’s time to upgrade your checking account to match! To thank you for choosing United for your home loan, we’re offering you the chance to earn up to $300 when you open a new United checking account and meet qualification requirements within 90 days of account opening1.
How to Earn Your Bonus
- Meet account opening requirements
- Enroll in online banking and eStatements
- Have an activated debit card
- Within 90 days of account opening, receive cumulative direct deposits of at least $2,000 and complete a total of 10 transactions (debit or credit)
- Have an account in good standing at the time of payout
This is a limited-time offer. To be eligible to earn up to $300, your checking account must be opened within 90 days of your mortgage closing.
Your bonus will depend on the type of account you choose: you’ll earn $300 with the United Signature checking account2, $200 for United Checking or United 55+ Checking3, and $100 for United Student Checking4.
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Benefits with Every Account
eStatements
Card Controls
Mobile Banking App
What can be easier than having your own mini-branch in your pocket? With the United Community mobile app you can bank anywhere, make a mobile check deposit directly from your phone, and receive banking notifications on the go by email or text.11
Bill Pay
Zelle
Debit Cards
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To be eligible: Open a new United checking account within 90 days of your mortgage closing date by going to ucbi.com/2025Mortgage or visiting a United Community branch and using promo code 2025Mortgage. Offer is for new consumer checking accounts opened by customers with an active mortgage serviced by United Community or the mortgage servicing provider acting on behalf of United. To be considered “new” the account holder may not have had an active personal deposit account with United or any of its predecessors in the prior 12 months. The offer is extended to all borrowers on the mortgage note (identified by taxpayer identification number); however, the offer will be paid only to the first borrower to redeem the offer, based on the date of account opening. If borrowers open a checking account on the same day, the offer will be applied to the primary borrower. Mortgage must have closed. Mortgage application date must be prior to account opening date. Account eligibility requirements must be met. Offer is not transferable. Employees of United Community are not eligible. Offer is valid 90 days from the mortgage closing date.
2 To qualify for the $300 offer: Customer must open a new United Signature Checking account and enroll in online banking and eStatements; receive cumulative direct deposits of at least $2000 (to include salary, pension, Social Security, or other regular recurring monthly income; internal and external account transfers, deposits made at branches, by mobile deposit or ATM deposit do not qualify as direct deposit); have an activated United Community debit card; complete 10 total transactions (debit or credit).
3 To qualify for the $200 offer: Customer must open a new United Checking account and enroll in online banking and eStatements; receive cumulative direct deposits of at least $1000 (to include salary, pension, Social Security, or other regular recurring monthly income; internal and external account transfers, deposits made at branches, by mobile deposit or ATM deposit do not qualify as direct deposit); have an activated United Community debit card; complete 10 total transactions (debit or credit).
4 To qualify for the $100 offer: Customer must open a new United Student Checking account and enroll in online banking and eStatements; receive three deposit transactions totaling at least $500; have an activated United Community debit card; complete 10 total transactions (debit or credit).
Qualifications must be met within 90 days of new account opening and account must be in good standing when the offer is rewarded. An account is considered to be in good standing if it has a positive balance and is not in the process of being closed. Qualification period begins on the day the account is opened.
After the 90-day qualification period, if all requirements are met the bonus will be deposited into the new account within 45-days.
This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer.
The offer may be subject to tax reporting. Applicable 1099 may be sent for tax purposes and the customer is responsible for any applicable taxes.
5 An $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.6 ATM 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.
7 Avoid 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.)
8 All United Signature Banking accounts come with free exclusive United Signature Banking checks.
9 United 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. Items not paid will be returned and you will incur a $36 returned item fee. 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.
10 Upon credit approval.
11 Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
