Personal Checking Accounts
Order More ChecksMoney-saving checking accounts
Whether you’re just getting started financially, or you’re a seasoned pro, we have the best checking accounts for what you need.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
Security features available |
United Checking
60 pack and 25 pack options available
|
United Signature Checking
FREE (Exclusive United Signature Banking checks.)4
|
United Checking For 55+
Limited to one (1) FREE order per year. 60 pack and 25 pack options available
|
United Checking For Students
60 pack and 25 pack options available
|
United Essential Banking
Not Available
(This account does not offer check writing privileges) |
|
Features
Other ATMsATM transaction/balance inquiry outside of United or Publix Presto! ATM network
|
United Checking
$1 charged by United2
|
United Signature Checking
$0 charged by United2Up 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+
$1 charged by United2
|
United Checking For Students
$1 charged by United2
|
United Essential Banking
$1 charged by United2
|
|
Features
Paper Statements
|
United Checking
$0Additional fees apply for check images
|
United Signature Checking
$0Additional fees apply for check images
|
United Checking For 55+
$0Additional fees apply for check images
|
United Checking For Students
$3Additional 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 Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account
|
United Signature Checking
1. Courtesy Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account
|
United Checking For 55+
1. Courtesy Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account
|
United Checking For Students
1. Overdraft Line of Credit72. Linked checking, savings or money market account
|
United Essential Banking
N/A
|
Enjoy these benefits with every account.
Stop Payments
Online Banking
Debit Cards
Overdraft Protection Services
Direct Deposits
Protect Yourself from Check Fraud
Criminals are increasingly targeting checks—whether by stealing them from the mail and altering them with chemicals or by tricking consumers with fake check scams. Learn how to protect yourself with practical tips, like using indelible ink, monitoring your account for suspicious activity, and understanding the warning signs of fraudulent checks. Discover the advanced security features built into United Community’s checks that offer extra protection against fraud. Don’t fall victim to these scams.
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!
Card Controls: New and Improved
- Understand your spending clearly with spending insights, recurring payment information, ‘card-on-file’ merchant identification, and more.
- Get real-time transaction alerts so you know exactly when and where your card is being used.
- View a digital card on a mobile device and easily push it to Apple Pay or Google Pay.
Learning Resources
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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.
2 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.
3 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.)
4 All United Signature Banking accounts come with free exclusive United Signature Banking checks.
5 Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
6 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.
7 Upon credit approval.
