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Switch to United and earn $2001

when you open a new checking account and meet qualification requirements.

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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.

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Local, Personalized Service

Our local teams are backed by a team of experts across the Southeast, and they're empowered to serve you in the way that's best suited for your success. Banking should be personal, and we're committed to keeping it that way.

Long-Term Stability

With more than 70 years of proven financial performance, United has emerged as one of the strongest and most trusted banks in the Southeast. We take our commitment to our customers seriously, and we remain focused on safety and soundness to protect you and your investments.

Full-Service Banking Relationship

Our accounts provide access to all of the digital services you need to bank how and when you want to. Your banker can also connect you with our experts in business banking, mortgage, advisory services, wealth, or wherever your financial journey takes you next. 

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.

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Use promo code:  Checking200

Claim your $200 offer!

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

opening deposit online icon

Open a checking account with United Community Bank using promo code Checking200.
direct deposit icon

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

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

Choose Your Checking Account

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

United Checking

  • $50 minimum to open

  • $8 monthly service charge

  • Free access to United ATMs and Publix Presto! ATMs

  • And more!

United Checking for 55+

  • $25 minimum to open

  • No monthly service charge

  • Free access to United ATMs and Publix Presto! ATMs

  • Free standard wallet checks

United Signature Checking

  • $1,000 minimum to open

  • $25 monthly service charge (with options to avoid fees)

  • Free access to United ATMs and Publix Presto! ATMs

  • Free exclusive United Signature Banking checks

Find out which account is right for you.

Compare your options.

United Checking United Checking For 55+ United Signature Checking
Eligibility N/A Ages 55 or better N/A
Minimum to Open $50 $25 $1000
Monthly Service Charge $8 $0 $25
How to Avoid Monthly Service Charge Enroll in eStatements -OR- One (1) qualifying Direct Deposit 3 per statement cycle N/A $15,000 Minimum Daily Balance5 -OR- $25,000 Combined Deposit Balance5 -OR- $50,000 Combined Outstanding Consumer Loans5 -OR- Relationship with United Community Advisory Services or United Community Mortgage Services5
Earns Interest No No Yes, tiered interest rates
Check Orders $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)
Other ATMs
ATM transaction/balance inquiry outside of United or Publix Presto! ATM network
$1 charged by United4 $0 charged by United4 $0 charged by United4 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
Paper Statements $0
Additional fees apply for check images
Additional fees apply for check images
Additional fees apply for check images
eStatements $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. 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
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More convenient ways to open an account.

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

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

The power of a community in your wallet.

Your United Community Bank 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

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 Banking11 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.

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Checking Account

Whether you’re just getting started financially or you’re a seasoned pro, we have a checking account designed for you.
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Savings Account

Prepare for whatever the future holds. No matter what your goals are, we have the right savings accounts to help you get there.
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Home Loans and Mortgages

Together, we can make the home of your dreams a reality. All it takes is the right foundation.
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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. 
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Plan for your tomorrow by investing today. We have the right investment opportunities for you.
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Business Banking 

We didn't make it onto Forbes' 2020 list of World's Best Banks for nothing. When it comes to your company, we mean business. 

Learning Center

Home Renovations that Spark Joy

By United Community Mortgage Services

Pulling the trigger on a big house project is a tough decision—it can be expensive, not to mention inconvenient. But the results of a new study show most of those projects do pay off, both in resale value and homeowner joy.

Read Article

5 Ways to Prepare for a Baby Financially

If you’re growing your family, congratulations are in order. You’re embarking on an exciting adventure. Taking some time to plan for the financial realities can go a long way toward putting your money where it will matter most in this new stage of life.
Read Article

Debt Paydown: What’s the Plan?

The amount of credit card debt consumers owe rose 13% this year, according to The Federal Reserve Bank of New York. Auto loans and mortgages also trended up. Even still, many have found ways to pay down their debt while making ends meet. Use these tips and tools to create your own debt paydown plan.
Read Article

1Eligibility & Qualifications: Open a new United Checking, United Checking for 55+ or United Signature Checking by July 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.

2World’s Best Banks published on April 11, 2023 by Forbes Media, LLC

3America’s Most Trustworthy Companies published on March 29, 2023 by Newsweek Magazine

4America's Best Banks published on February 14, 2023 by Forbes Media, LLC

52022 Top 50 Public Banks published on March 22, 2023 by S&P Global Market Intelligence

6J.D. Power 2022 U.S. Retail Banking Satisfaction Study

72022 Greenwich Excellence Awards for U.S. Small Business Banking published February 15, 2023
8America’s Best Midsize Employers published on February 15, 2023 by Forbes Media, LLC
9American Banker 2022 "Best Banks to Work For" 
10Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
TMMastercard and the circles design are registered trademarks of Mastercard International Incorporated.