Compare Your Options

 

United Checking
United Checking for Students
United Checking for 55+
United Signature Checking
United Essential Banking
Eligibility N/A Ages 13-22 Ages 55 or better N/A N/A
Minimum to Open $50 $25 $25 $1000 $25
Monthly Service Charge $8 $0 $0 $25 $5
How to Avoid Monthly Service Charge 

Enroll in eStatements
-OR-
One (1) qualifying Direct Deposit1per statement cycle

N/A N/A $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
N/A
Earns Interest No No No Yes, tiered interest rates No
Check Orders $10 off the first order
$5 off reorders
$10 off the first order
$5 off reorders
FREE
(Standard Wallet only. Limited to one (1) order per year)
FREE
(Exclusive United Signature Banking checks. Limited to two (2) orders per year)
Not Available
(This account does not offer check writing privileges)
Other ATMs
ATM transaction/balance inquiry outside of United or Publix Presto! ATM network
$1 charged by United2 $0 charged by United2 $0 charged by United2 $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
$1 charged by United2
Paper Statements $0
Additional fees apply for check images
$3
Additional fees apply for check images
$0
Additional fees apply for check images
$0
Additional fees apply for check images
$2
eStatements $0 $0 $0 $0 $0
Overdraft Management Options 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
1. Overdraft Line of Credit7

2. Linked checking, savings or money market account
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
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
N/A

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.