Skip to main content

Personal Checking Accounts

The right fit for your busy life.

Whether you’re just getting started financially, or you’re a seasoned pro, we have the best checking accounts for exactly 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 150+ United ATMs and 1,100+ Publix Presto! ATMs2
  • $10 off your first order of checks and $5 off all reorders
United Signature Checking

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

  • $1,000 minimum to open
  • $25 monthly service charge (with many options to avoid fees)3
  • Free access to 150+ United ATMs and 1,100+ Publix Presto! ATMs2
  • 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
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
  • Free access to 150+ United ATMs and 1,100+ Publix Presto! ATMs2
  • Free standard wallet checks (limited to one order per year)
  • Free eStatements through Online Banking
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
  • Free access to 150+ United ATMs and 1,100+ Publix Presto! ATMs2
  • $10 off your first order of checks and $5 off all reorders
  • Free eStatements through Online Banking (or $3 monthly for paper statements)
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 150+ United ATMs and 1,100+ Publix Presto! ATMs2
  • Check orders not available 
  • Free eStatements through Online Banking (or $2 monthly for paper statements)

Enjoy these benefits with every account.

digital banking icon

Digital Banking

We love hanging out in coffee shops, carpool lines and even in pockets. In other words, we go with you whenever you’re on the go. With our personal Online and Mobile Banking5 services, we are always there for you.
debit cards icon

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.
overdraft protection icon

Overdraft Protection

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 transactions6.
direct deposit icon

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.
stop payments icon

Stop Payments

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

Early Pay

You work hard for your money. We offer Early Pay8 to help you get it sooner. If you’re enrolled in direct deposits, you can get paid up to 2 days early.

Watch your money grow.

Nothing is ever a guarantee. Or is it? When you diversify your portfolio with our Certificates of Deposit (CD), rest assured that your money is actually working for you, not against you.

  • Easy online application with two terms to choose from: 6-Month CD or 12-Month CD
  • Competitive interest rates available
  • Additional options available in branch 

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.

google-play-logo app-store-logo

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

Can I transfer funds from my checking or saving accounts to make a loan payment?

Yes. Personal Online Banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through Online Banking. Select Transfer/Deposit on the left menu, Select Funds Transfer and fill out the from and to account, then input the transfer amount and date. Click Transfer at the bottom after you have reviewed the transfer details.

Important: Payments made before 6:00pm each business day will be applied the same day.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

Can I transfer funds from CDs and IRA accounts to my checking and savings accounts?

No, you can only transfer between your checking, savings and loan accounts.

How do I update my mailing address?

You may visit your local branch or update it within your Online Banking account. Within Online Banking, click Settings in the left menu, Address Change, update your address and submit.

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

Learning Center

Financial Goals for the New Year

The new year is the perfect time to reassess your budgets and financial habits and make new goals for yourself. Whether it’s improving your budgeting, saving a little bit more, or getting started with investing, achieving your financial goals will make so many other goals possible—the next family vacation, higher education, paying for a wedding, or whatever you’re hoping the next few years will hold.
Read Article

What does a new conforming loan limit mean for you?

By United Community Mortgage Services

Well, that depends on a few things. It may mean you have additional buying power, or that it could make sense to refinance your current home loan. But before we get into how you could be affected by the 2023 conforming loan limit, let’s talk more about exactly what it is.
Read Article

Shopping safely online

In the US alone, there are 2.1 million online retailers. It can be overwhelming to decide what to buy, much less to distinguish what retailers you can trust. But shopping online is a great way to avoid the crowds, browse for Christmas presents, and update your cold-weather wardrobe without leaving the warmth of your home—and you can do it safely. Check out the following steps you can take to protect yourself and your money online.
Read Article

1An $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. 

2ATM 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​.

3Avoid 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.)

4All United Signature Banking accounts come with free exclusive United Signature Banking checks. Limited to two (2) orders per year.

5Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.

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. 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.

7Upon credit approval.

8Early Pay is a courtesy service provided by United Community Bank.  At our sole discretion, we may make funds available for certain direct deposits as soon as the payor notifies us of the payment. This means we can make your money available to you up to 2 days before we receive the funds from the payor.  Early availability of direct deposits is dependent on the timing of your payor’s payment instructions, fraud prevention overlays, and other restrictions. United Community Bank does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may vary from deposit to deposit – including those from the same payor. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. We reserve the right to discontinue the early availability of direct deposit at our sole discretion and without any further notice to you.