Peach State Bank & Trust will begin operating under the United Community name, with a full transition on February 15. The United and Peach State teams will work diligently in the background to make this transition as seamless as possible for you.

United Community Banks, Inc. (NYSE: UCB) is the financial holding company for United Community, which has 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. 

Since 1950, United Community has been dedicated to providing best-in-class service to our customers as the foundation of every relationship. We are committed to improving the lives of residents in the communities we serve through the philosophy of delivering an exceptional banking service and we’re honored to have received the following awards over the past several years: 

• #1 for Retail Banking Customer Satisfaction in the Southeast, 2026 (JD Power)
  • 12-time winner
  • Ranked #1 in five out of the seven dimensions in the study: Trust, Convenience, Value, Account Offerings, and Problem Resolution.
• Coalition Greenwich Best Bank Awards, 2026 (Coalition Greenwich) 
  • Best Bank – Satisfaction with Relationship Manager for Small Business Banking in the US (South) 
  • Best Bank – Satisfaction in Cash Management for Small Business Banking in the US (South)
• Best Banks to Work For, 2025 (American Banker) 
  • Marks nine years in a row based on employee satisfaction
• America's Most Trustworthy Companies, 2025 (Newsweek) 
• World's Most Trustworthy Companies, 2025 (Newsweek) 
• America’s Best Midsize Companies, 2025 (Time) 
• America’s Best Midsize Employers, 2026 (Forbes) 
• America’s Best Banks, 2026 (Forbes)

We are proud of this success, but we’re even more proud of the tradition upon which our company was built—treating customers the way we want to be treated. We are committed to helping individuals, families, businesses, and communities grow strong and prosperous. Additional information about United can be found at ucbi.com.

Yes, the bankers you know and trust are committed to assisting you through this system integration and will continue to do so after the transition is complete. Your banker is backed by a team of professionals that have a high commitment to customer service and local relationships.

Through the course of the conversion process, you may receive multiple copies of the same mailing. Please understand that this is not a mistake. If there are multiple primary account holders within one household, multiple copies of a mailing may be sent.

There will be no immediate effects for Peach State 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.

Peach State and United Community are combining to expand and strengthen our shared commitment to the people of Hall County, helping them reach their financial goals, expand their businesses, and plan for their futures. We will continue to provide Peach State customers with exceptional customer service from the team you know and trust, while offering additional products and services to make your financial life easier. You can be confident that the culture and values that made you choose Peach State as your bank are shared by United Community and will continue to be part of your banking experience.

As a result of the merger, Peach State will fully transition to the United brand in early 2027. Our goal is for this transition to be as seamless as possible, ensuring that your banking experience remains as simple and reliable as ever.

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

Yes, the Peach State and United Community teams will communicate frequently throughout this transition. Any account and/or online 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 Peach State team. Our teams will be working closely together, and your local Peach State banker will continue to be your trusted resource, both now and after the merger is completed.

Yes, United Community has two banking centers in Gainesville, one on Jesse Jewell Parkway and one on Sandridge Court. Following the completion of the conversion in February 2027, you will have access to these locations for your banking needs. Until then, it is business as usual, and you should continue to visit your current branch locations for in-person banking. We will share additional information about the transition and what to expect as we get closer to February 2027.

Yes. Both United and Peach State 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 August 3, 2026, merger date, your Peach State 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.