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Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
Additional contact options 
Schedule an Appointment
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Personal and Business Rates

Personal

United Signature Checking

This checking account comes with options to earn interest and a host of exclusive features and benefits to deepen your relationship with United.

Minimum Opening Deposit Daily Balance Tier Range1 APY
$1,000 $0 - $2,499 0.15%
$1,000 $2,500 - $9,999 0.25%
$1,000 $10,000 - $49,999 0.50%
$1,000 $50,000 - $99,999 0.50%
$1,000 $100,000 - $249,999 1.00%
$1,000 $250,000 - $999,999 1.00%
$1,000 > = $1,000,000 1.25%

Personal Money Market

Enjoy convenient access to your account while earning a premium interest rate with our Money Market account.

Minimum Opening Deposit Daily Balance Tier Range1 APY
$1,500 0 - 9,999 0.50%
$1,500 10,000 - 49,999 0.50%
$1,500 50,000 - 99,999 0.50%
$1,500 100,000 - 249,999 1.00%
$1,500 250,000 - 499,999 1.00%
$1,500 500,000 - 999,999 1.25%
$1,500 > = 1,000,000 1.25%

United Savings

Whether you’re building a nest egg for the future or creating an emergency fund for a time in need, plan ahead and build your savings with our convenient interest-earning savings account.

Minimum Opening Deposit Daily Balance Tier Range1 APY
$100 0 - 2,499 0.10%
$100 > = 2,500 0.20%

United Student Savings

It’s never too early to start saving. For students 22 years and under, this account is a great option to begin investing in your future.

Minimum Opening Deposit Daily Balance Tier Range1 APY
$5 0 - 2,499 0.10%
$5 > = 2,500 0.20%

United Treasure Chest Savings

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

Minimum Opening Deposit Daily Balance Tier Range1 APY
$5 0 - 2,499, 0.10%
$5 > = 2,500, 0.20%

Certificates of Deposit (CD)

Benefit from locked-in interest rates as you watch your money grow. When your certificate matures, you can access the money or reinvest to continue building your savings.

Minimum Opening Deposit Term2 APY3
$2,500 9 months 3.00%
$2,500 11 months 4.50%
$2,500 19 months 3.75%
$2,500 23 months 3.50%

Business

Business Interest Checking

Minimum Opening Deposit Daily Balance Tier Range1 APY
$100 0 - 9,999 0.15%
$100 10,000 - 49,999 0.25%
$100 50,000 - 99,999 0.25%
$100 > = 100,000 0.50%

Business Money Market Account

Minimum Opening Deposit Daily Balance Tier Range1 APY
$1,000 0 - 9,999 0.35%
$1,000 10,000 - 49,999 0.35%
$1,000 50,000 - 99,999 0.35%
$1,000 100,000 - 249,999 0.75%
$1,000 250,000 - 499,999 0.75%
$1,000 > = 500,000 1.00%

United Business Savings

Minimum Opening Deposit Daily Balance Tier Range1 APY
$100 0 - 4,999 0.10%
$100 5,000 - 24,999 0.15%
$100 > = 25,000 0.15%

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

How do I apply for a loan?

This loan will be packaged as an SBA 7(a) loan, and businesses can apply through qualified lenders including United Community Bank, a preferred lender for the SBA. SBA application fees will be waived. Due to the minimal program requirements, the approval and funding process will be streamlined, resulting in getting capital in the hands of businesses who need it most. If you are a current United Community Bank customer, please reach out to your banker. If you are not a United Community Bank customer, we encourage you to contact us to discuss options for your business.

How can I see current transactions?

  • From the left menu bar,
  • Click or tap the Account Summary tab, all of your accounts will be listed in boxes to the right
  • Click or tap the account box you would like to see the transactions for and all activity should populate.
  • Click or tap the specific transaction you would like to see and if the item is a check the image will populate below the transaction. Transaction details will also display.

Am I eligible for a loan?

Small businesses that were in operation prior to Feb 15, 2020, with 500 or less contract or salaried employees, are eligible to apply for this loan. Businesses must have paid salaries and payroll taxes and/or independent contractors as reported on Form 1099-MISC.

How long will it take to get my loan proceeds?

Once the SBA releases further details and guidance on the Paycheck Protection Program, United Community Bank can approve your loan and disburse funds as fast as possible, sometimes in less than 48 hours, by ACH payment.

Learning Center

Don’t let Higher Rates put Your Moving Plans on Hold

By United Community Mortgage Services

When mortgage interest rates start rising, the housing market typically slows down. Many buyers shy away from moving forward with a purchase, hoping to “time the market” by locking in a mortgage rate when rates drop. If that’s your strategy, here’s what you need to know.
Read Article

Key Players in the Home-Buying Process

By United Community Mortgage Services

Buying a home isn’t a one-player game. You’re going to work with a number of people throughout the process. 
Read Article

Employment Scams and How to Avoid Them
Criminals promote fake job opportunities through many of the same job boards that legitimate companies use, such as online job sites, social media platforms, and newspapers. The fake postings claim to offer employment but are instead used to acquire victims’ personal information and financial assets.
Read Article
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1Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
2Early withdrawal penalty will be imposed for early withdrawal.
3This is our maximum Relationship Rate. Please inquire at your local branch if you qualify. Other interest rates may apply.
Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 3/30/2023.