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Savings Accounts

Save for the future. Save for your dreams.

Whether you’re saving for retirement, building a nest egg for the future, or creating an emergency fund for a time in need, United has the right savings option for you.
United Savings

Isn’t it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy or secure with our convenient interest-earning savings account.

  • $100 minimum to open
  • Daily balance of $100 necessary to avoid service charge1
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
United Money Market

Earning prime interest rates is the name of the game with this high-yield Money Market account.

  • $1,500 minimum to open
  • Daily balance of $1,500 necessary to avoid service charge3
  • Account balance earns you graduated interest rates
  • Six free withdrawals per statement cycle4

If you are 22 or younger, start planning for your future with our interest-earning savings account. Your future self will love you for it.

  • $5 minimum to open
  • No service charge
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
United Treasure Chest Savings

For children 12 years and younger, this account is a great opportunity to teach your child to save.

  • $5 minimum to open
  • No service charge
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
Health Savings Account

Give your future self peace of mind and health with the triple tax advantages of an HSA.

  • $100 minimum to open
  • One-time $10 setup fee and $2.75 monthly service charge
  • HSA debit card and digital banking access
  • Personalized HSA portal with your tax savings to date, transaction details, and receipt storage
Certificates of Deposit

Time might pass you by, but your dollars won’t in the process. Earn more on your money with one of our CD options.

  • 9-month, 11-month, 19-month, and 23-month options available
  • Competitive rates
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly.

Enjoy these benefits with every account.

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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're always there for you.
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United eStatements

Digitally view, search, and save all your statements. It’s free, and you can do it from home or on the go using our online and mobile banking options. Enroll today through your online account settings. 
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Direct Deposit

Make one less trip to the bank with Direct Deposit. This convenient, free service is available to all account holders.
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Mobile Deposits

Ever taken a check selfie? No worries, all you have to do is snap a picture of your check and deposit it directly to your account5. It’s that easy.

An HSA to save the day.

Get easy access to your money while earning tax-free interest on your balance with a Health Savings Account. You never know when you’ll need it most.

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.

Get the Right IRA That Pays

These days, it's more important than ever to start saving for your future. With our Traditional and Roth IRA options that come in a variety of terms, there's really no reason to wait.


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.

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.

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. 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).

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.

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A service charge of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.

2 A $2.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per quarter.

Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained.

A $10.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per month.

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