Skip to Content

    Switch to United and earn $2001

    when you open a new checking account and meet qualification requirements.1 Click here for more details.

    Why United?

    We believe that banking can and should be personal. Service is at the core of who we are, and we strive each day to make a meaningful difference for our customers. Our industry-leading experts and full suite of digital banking services are here to give you the tools you need to meet your financial goals.

    Claim your $200 offer!

    Receive a $200 welcome offer when you complete the following during the 90-day qualification period1.

    Open a checking account with United Community using promo code Checking200.

    Receive cumulative direct deposits of at least $2,000.

    Complete 10 or more purchases using your new United Community MastercardTM debit card.

    Choose Your Checking Account

    Remember to use promo code Checking200 while filling out the application.

    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 Your Account
    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 Your Account
    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
    • 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 Your Account

    Ready to make the switch?

    It’s easy to open your new United account online! Once you find your perfect fit, you’ll need these items handy to get started. Use promo code: Checking200

    Social Security Number

    We're required by federal law to collect your Social Security Number. 

    Minimum Opening Deposit

    To begin, you'll need the minimum necessary to fund the account.

    Government-Issued Photo ID

    Provide your Driver's License, State-Issued ID, Military ID, Tribal ID, or Passport.
    More convenient ways to open an account.  

    Schedule an appointment or give us a call–whichever is easiest for you!

    United banker helping customers

    Banking You Can Rely On

    When you partner with United toward your financial success, you’re in good hands. We’ve been providing customers with a secure and safe place to bank since 1950, and our teams have been consistently recognized for their outstanding service. A few of our recent awards include:

    • World’s Best Banks, Forbes2
    • America’s Most Trustworthy Companies, Newsweek3
    • America’s Best Banks, Forbes4
    • Top 50 Public Banks, S&P Global Market Intelligence5
    • #1 in Customer Satisfaction with Consumer Banking in the Southeast, J.D. Power6
    • Overall Satisfaction in Small Business Banking, Greenwich Excellence Awards7
    • America’s Best Midsize Employers, Forbes8
    • Best Banks to Work For, American Banker9
    debit card

    The power of a community in your wallet.

    Your United Community MastercardTM debit card gives you the convenience you need, no matter where life takes you. Your card is accepted at millions of merchant locations worldwide, from online retailers to small businesses in your community. Take advantage of all it has to offer with these benefits:

    • Make cash withdrawals from your checking and savings accounts
    • Manage your debit card from your phone with Card Controls
    • Receive debit card transaction alerts immediately with our free fraud alert service
    • Check out online with peace of mind using Click to Pay
    • Link your card to your digital wallet within your mobile device to make contactless, in-store purchases at participating merchants
    online banking

    Full Access at your Fingertips

    From coffee shops to carpool lines to your annual family reunion three states away, your account is always within reach. With our personal Online and Mobile Banking10 services, you get on-demand access to your accounts and the ability to:

    • Check your account activity from anywhere
    • Track your personal finances by linking multiple accounts
    • Deposit checks with your smartphone
    • Schedule bill payments 

    Keep your finances in one place.

    Checking Accounts

    Looking for a checking account that can handle your day-to-day banking needs?  We've got you covered with money-saving checking with overdraft protection. 

    Learn More

    Savings Accounts

    Open a savings account or CD to save for a rainy day and a bright future. Digital banking and mobile deposits making saving easier on the go.
    Learn More

    Home Loans and Mortgages

    Together, we can make the home of your dreams a reality. All it takes is the right foundation.
    Learn More

    Credit Cards

    Stack up rewards points, earn cash back, secure a low APR to consolidate your credit card debt or even start building your credit score when you choose the best credit card offers for you.
    Learn More

    Business Banking

    No matter how big or small your business is, we'll bring together the perfect team who know the local scene and have a nationwide perspective. Our main goal is to make sure your business smoothly transitions into the market where it aims to grow.
    Learn More
    1. Eligibility & Qualifications: Open a new United Checking, United Checking for 55+ or United Signature Checking by October 31, 2023 at a United Community Bank branch or online at Promo code must be presented at account opening and is non-transferrable.
      RECEIVE $200 WITH UNITED CHECKING, UNITED CHECKING FOR 55+ OR UNITED SIGNATURE CHECKING. Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial 90-day qualification period, beginning the day the account is opened, in order to receive the $200 welcome offer:  1) Receive cumulative direct deposits of at least $2,000 which includes salary, pension, Social Security, or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit; AND 2) complete 10 or more debit card purchases. Recurring debit card transactions do not qualify. Transactions must post to the account within the 90-day qualification period. ATM withdrawals do not qualify.  Monthly service charges and other miscellaneous fees may apply.
      The welcome offer is not available to existing United Community Bank personal checking customers or those that have closed a personal checking account within the past 12 months at United Community Bank or any of its predecessors. Account must be in good standing at the time of payment; an account is considered to be in good standing if it has a positive balance and is not in the process of being closed. The welcome offer will be transferred into the newly established checking account within 45 days after the end of the qualification period. The welcome offer may be subject to tax reporting, applicable 1099 may be sent for tax purposes and the customer is responsible for any applicable taxes. One welcome offer per household. United Community Bank reserves the right to amend or cancel any part of this offer at any time. Please speak with a United banker for details.
      Account openings are subject to Bank approval and may be declined based on certain factors.

      2 World’s Best Banks published on April 11, 2023 by Forbes Media, LLC
      America’s Most Trustworthy Companies published on March 29, 2023 by Newsweek Magazine
      America's Best Banks published on February 14, 2023 by Forbes Media, LLC
      2022 Top 50 Public Banks published on March 22, 2023 by S&P Global Market Intelligence
      J.D. Power 2022 U.S. Retail Banking Satisfaction Study
      2022 Greenwich Excellence Awards for U.S. Small Business Banking published February 15, 2023
      America’s Best Midsize Employers published on February 15, 2023 by Forbes Media, LLC
      American Banker 2022 "Best Banks to Work For" 
      10 Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
      TM Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

    External Link Disclaimer

    You are leaving United Community and being directed to a third-party site that is not maintained, owned or operated by United Community Bank. United Community does not control and is not responsible for the privacy or security practices of the third-party. By clicking “Accept,” you are requesting to be transferred to the third-party website. If you do not want to visit the page, you can close this page by clicking "Return To Site”.