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Do it all with United.

Earn $300 when you open a United Signature Checking Account

and meet qualification requirements.1

Open Your Account


Why bank with United Community Bank?

At United Community Bank, 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.

As a way to say thank you for choosing United Community Bank for your home loan, we’re offering you the chance to earn $300 when you open a United Signature Checking account.1

Open Your Account      Explore the United Signature Checking Account


Claim your $300 offer!

Receive a $300 welcome offer when you complete the following during the 90-day qualification period1

opening deposit online icon

Open a United Signature Checking account with United Community Bank using promo code SIGNATURE300.
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Receive cumulative direct deposits of at least $2,500.
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Complete 15 or more purchases using your new United Community Bank MastercardTM debit card.

United's Signature Checking Account

Remember to use promo code SIGNATURE300 while filling out the application.

United Signature Checking
$1,000 minimum to open
Free access to United ATMs and Publix Presto! ATMs2
Free exclusive United Signature Banking Checks
Free bill pay, online banking, estatements, and ATM/debit card3
Discount on safety deposit boxes
No monthly service charge (a savings of $25 per month)4

Ready to start banking with United?

It's easy to open your new United Signature Checking account online! You'll need these items handy to get started!

social security

Use promo code:  SIGNATURE300

More convenient ways to open an account.

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

The power of a community in your wallet.

Your United Community Bank Mastercard® 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 Banking3 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 the best checking accounts for exactly what you need.
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Savings Account

Whether you’re saving for retirement, building a nest egg for the future or creating an emergency fund for a time in need, United Community Bank has the right savings option for you.
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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 when you choose the best credit card offers for you. 
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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' 2022 list of World's Best Banks for nothing. When it comes to your company, we mean business. 

Learning Center

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If you’re carrying less than $500 in medical debt, it’ll no longer impact your mortgage credit score. That change officially went into place in April 2023, about a year after the Consumer Financial Protection Bureau published a lengthy report questioning the role of medical debt on credit reports. Continue reading to find out more. 
Read Article

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

1Eligibility & Qualifications: Open a new United Signature Checking account by June 30, 2023 at a United Community Bank branch or online at Promo code must be presented at account opening and is non-transferrable. Employees of United Community Bank are not eligible to receive offer.

RECEIVE $300 WITH UNITED SIGNATURE CHECKING. Customers must qualify for the account. At account opening, they must also maintain a loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of United and make the required minimum opening deposit of $1,000. They must also 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 $300 welcome offer. 1) Receive cumulative direct deposits of at least $2,500 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 15 or more posted and cleared debit card purchases/payments from the new United Signature Checking account. 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.

TMMastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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 a $1 fee from United.

3Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.

4Avoid 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.)