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Personal Banking Accounts

Personal Banking Accounts

Money-saving checking with overdraft protection.

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

United Checking

Looking for a checking account that can handle your day-to-day banking needs? We’ve got you covered.

  • $50 minimum to open
  • $8 monthly service charge (no monthly service charge if enrolled in eStatements or monthly Direct Deposits)1
  • Free access to 200+ United ATMs and 1,260+ Publix Presto! ATMs2
  • $10 off your first order of checks and $5 off all reorders
Open an Account Schedule an Appointment
United Signature Checking

This exclusive checking account is brimming with benefits and features that meet you where you are.

  • $100 minimum to open
  • $25 monthly service charge (with many options to avoid fees)3
  • No charge for foreign or outside network ATM/Debit Card usage
  • Free exclusive United Signature Banking checks4
  • Competitive interest rates
  • No fees for Overdraft Protection transfers, Official Checks and ATM/debit card replacements
  • $30 discount for Stop Payment requests
  • $25 reimbursement on annual safe deposit box rental
Open an Account Schedule an Appointment
United Checking for 55+

If you are 55 or better, enjoy expanded benefits that continue working for you. You've earned them.

  • $25 minimum to open
  • No monthly service charge
  • No charge for foreign or outside network ATM/Debit Card usage
  • Free standard wallet checks (limited to one order per year)
  • Free eStatements through Online Banking
Open an Account Schedule an Appointment
United Checking for Students

A banking account exclusively for customers 22 or younger with no monthly service fee? Now, that’s a lot of pizza.

  • $25 minimum to open
  • No monthly service charge
  • No charge for foreign or outside network ATM/debit card usage
  • $10 off your first order of checks and $5 off all reorders
  • Free eStatements through online banking (or $3 monthly for paper statements)
Open an Account Schedule an Appointment
United Essential Banking

Enjoy peace of mind with a low monthly service charge and no overdraft fees—a simple way to easily manage money.

  • $25 minimum to open
  • $5 monthly service charge
  • Free access to 200+ United ATMs and 1,260+ Publix Presto! ATMs2
  • Free eStatements through Online Banking (or $2 monthly for paper statements)
Open an Account Learn More

Compare your options.

Features United Checking United Signature Checking United Checking For 55+ United Checking For Students United Essential Banking
Features
Eligibility
United Checking
N/A
United Signature Checking
N/A
United Checking For 55+
Ages 55 or better
United Checking For Students
Ages 16-22
United Essential Banking
N/A
Features
Minimum to Open
United Checking
$50
United Signature Checking
$100
United Checking For 55+
$25
United Checking For Students
$25
United Essential Banking
$25
Features
Monthly Service Charge
United Checking
$8
United Signature Checking
$25
United Checking For 55+
$0
United Checking For Students
$0
United Essential Banking
$5
Features
How to Avoid Monthly Service Charge
United Checking
Enroll in eStatements
-OR-
One (1) qualifying Direct Deposit1 per statement cycle
United Signature Checking
$15,000 Minimum Daily Balance3
-OR-
$25,000 Combined Deposit Balance3
-OR-
$50,000 Combined Outstanding Consumer Loans3
-OR-
Relationship with United Community Advisory Services or United Community Mortgage Services3
United Checking For 55+
N/A
United Checking For Students
N/A
United Essential Banking
N/A
Features
Earns Interest
United Checking
No
United Signature Checking
United Checking For 55+
No
United Checking For Students
No
United Essential Banking
No
Features
Check Orders
United Checking
$10 off the first order
$5 off reorders
United Signature Checking
FREE (Exclusive United Signature Banking checks. Limited to two (2) orders per year)4
United Checking For 55+
FREE (Standard Wallet only. Limited to one (1) order per year)
United Checking For Students
$10 off the first order
$5 off reorders
United Essential Banking
Not Available
(This account does not offer check writing privileges)
Features
Other ATMs
ATM transaction/balance inquiry outside of United or Publix Presto! ATM network
United Checking
$1 charged by United2
United Signature Checking
$0 charged by United2
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
United Checking For 55+
$0 charged by United2
United Checking For Students
$0 charged by United2
United Essential Banking
$1 charged by United2
Features
Paper Statements
United Checking
$0
Additional fees apply for check images
United Signature Checking
$0
Additional fees apply for check images
United Checking For 55+
$0
Additional fees apply for check images
United Checking For Students
$3
Additional fees apply for check images
United Essential Banking
$2
Features
eStatements
United Checking
$0
United Signature Checking
$0
United Checking For 55+
$0
United Checking For Students
$0
United Essential Banking
$0
Features
Overdraft Management Options
United Checking
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
United Signature Checking
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
United Checking For 55+
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
United Checking For Students
1. Overdraft Line of Credit7

2. Linked checking, savings or money market account
United Essential Banking
N/A
Features
United Checking
United Signature Checking
United Checking For 55+
United Checking For Students
United Essential Banking

Enjoy these benefits with every account.

Stop Payments

Accidentally swap the babysitter’s check with your mortgage payment? Don’t sweat it, we have Stop Payments for that. Initiate a stop payment in branch or through Online and Mobile Banking.
View the Demo

Online Banking

Access your account, pay bills, transfer funds, manage your personal finances, and more from the comfort of your home with the help of our digital banking solutions.
Learn More

Debit Cards

United debit cards include top-tier Mastercard® benefits that are perfect for your everyday purchases. Learn more now about all the fantastic card benefits.
Learn More

Overdraft Protection Services

Sometimes bills hit all at once and you need a little help. We offer choices to help manage overdrafts in the event you don't have enough funds in your account to cover your transactions.
Learn More

Direct Deposits

Free up time with fewer trips to the bank. Direct Deposit is a convenient, free service that automatically deposits funds into your account quickly and securely.
Download the Form
young boy saving money with Greenlight

Introducing Greenlight!


We've partnered with Greenlight to support you in teaching your kids about smart money management.

Add your United account as the funding source, and you'll get the Greenlight family subscription for free!


 
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Watch your money grow.

Nothing is ever a guarantee. Or is it? When you diversify your portfolio with our Certificates of Deposit (CDs), rest assured that your money is actually working for you, not against you.
  • Easy online application with multiple terms to choose from
  • Competitive interest rates available
  • Additional options available in branch
woman using card controls

Take control of your card

With United's Card Controls, you can manage your debit card from your mobile device, as well as set spending limits, lock/unlock its use, and even use GPS to limit transactions to a specified allowable location.
 

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  1. 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. 

    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​.

    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.)

    All United Signature Banking accounts come with free exclusive United Signature Banking checks. Limited to two (2) orders per year.

    Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.

    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.

    Upon credit approval.

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