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 is a top 100 US financial institution with $29.1 billion in assets as of June 30, 2026, that, through its subsidiaries, provides a full range of banking, wealth management, and mortgage services. 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, as well as a national SBA lending franchise and a national equipment financing subsidiary.

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 February 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 three banking centers in Hall County: Jesse Jewell Parkway,  Sandridge Court, and Mundy Mill Road in Oakwood. 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.

As part of the transition, Peach State and United Community will be joining forces in order to deliver the same personalized care you enjoy today, with the added benefit of expanded services to meet your needs, goals, and aspirations.

You will continue to enjoy the same convenience and service from the team of bankers you know and trust, at the same locations. Peach State’s operating system will be fully integrated into United’s in February 2027. As a result, some of the accounts and services you currently have with Peach State will undergo some changes as part of the conversion.

You do not need to take any action at this time. As we get closer to the February 2027 conversion, we will provide additional information about any changes that may affect your accounts, debit card, online and mobile banking, and other services, including any actions you may need to take.

All accounts and services will be subject to the applicable terms, conditions and disclosures provided to you as part of the transition.

Yes, you will continue to enjoy the same locations you know today.

While our team will need to confirm your personal information in order to verify your identity, we will never call text, or email you unexpectedly to ask for a username, password, secure access code, or similar authentication information. If you receive a call from someone claiming to be with United and requesting this information, please hang up, do not share any information. If you receive this type of call prior to February 2027, please reach out to your local Peach State banker. After the conversion to United, please call our support team at 800-822-2651.

Yes. Peach State customers may begin using any United Community ATM free of surcharge when using their Peach State debit card.

Beginning in February 2027, customers may also begin using United Community Interactive Teller Machines (ITMs) and conducting transactions at United Community banking centers.

United Community has branch, ATM, and ITM locations throughout Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community is also a member of the Publix Presto! ATM network, where customers can enjoy free access to more than 1,260 ATMs across the Southeast.

Visit our locations page for a complete list of United Community locations.

An Interactive Teller Machine, or ITM for short, combines the convenience of an ATM with the award-winning service delivered by friendly, knowledgeable United employees. Physically, the machine looks similar to an ATM, but it has video capabilities that allow you to interact with a teller. Interactive Tellers can help you conduct more transactions than basic ATMs and can answer different questions you might have about your finances or a particular transaction. All this without having to wait in line at the branch.

United ITMs are available Monday-Friday 8:00am-6:00pm and Saturdays 8:00am-12:00pm.

Your 2026 year-end tax information will be issued under United Community and will be postmarked by the required date of January 31, 2027.

If you currently have a Peach State branded credit card, the issuer of your card is TCM Bank, N.A. In most cases, your credit card account will remain with TCM Bank—it will not transition to United Community. If you have questions regarding an existing Peach State branded credit card, you can contact TCM Bank directly at 800-883-0131. You may also receive correspondence directly from TCM Bank regarding the status of your credit card.

United Community does not offer HSAs. If you currently have an HSA with Peach State, we’ll work with you before the conversion to help you move your HSA to another financial institution or HSA provider.

Yes, up to 24 months of eStatements will be available within Online and Mobile Banking following the conversion to United in February 2027. However, there may be a delay accessing eStatements following the conversion. Prior to the conversion, you may find it beneficial to print or save existing documents that you may need to access at a later time.

Yes, following the conversion in February 2027 you’ll enjoy an enhanced online and mobile banking experience that includes:

• Zelle: We've partnered with Zelle® to bring you a fast, secure, and easy way to send and receive money with friends, family, and other people you know and trust.¹ Plus, you can use Zelle from within United’s online and mobile banking platform, so no need to download a separate app.
• Card Controls: Protecting your debit card is even easier now. Card Controls gives you the ability to set spending limits, reset your PIN, view your digital card, and set your travel plans ahead of time. It also gives you access to spending insights and which merchants are holding your card on file.
• My Money Manager: Manage and review cash flow, spending trends, assets, debt, and budgets with a single login. My Money Manager makes it easy to track your cash with charts and graphs, see your spending history, categorize transactions, create budgets, and plan for your financial future.

United Community will continue to offer comprehensive and cost-effective solutions to better help you manage cash flow and streamline business processes through our Treasury Management department. You will continue to enjoy all of your existing services while gaining access to new tools to improve your financial management. We will work directly with you to ensure a smooth transition.

These services include but are not limited to ACH Origination, Wire Transfers, Positive Pay, Remote Deposit Capture, Information Reporting, and Cash Sweep Services. Additional information about the transition of your existing Treasury Management Services will be shared in the coming weeks.

You can continue to work with your Peach State Treasury Management team by contacting them at 770-536-1100 until the conversion in February 2027, after which you can speak to a Treasury Management specialist at 866-270-6100 or by contacting [email protected].

There will be a period of transition during conversion weekend, February 12-15, in which you will not be able to access your Treasury Management services. Additional information including specific product dates and cut-off times will be communicated in the coming weeks.

United Community provides cutting-edge, competitive merchant service solutions that enable your business to offer flexible payment options seamlessly. Additional information will be shared in the coming weeks to ensure a smooth transition.