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    Most of the costs of a loan are paid at closing, not during the process. You can expect to pay lender charges, title insurance charges, and attorney settlement charges. Most of your closing costs will go toward escrow accounts—they’re set up to pay for taxes and insurance and can be thousands of dollars. 

    An escrow account acts as a savings account and is managed by your loan servicer. A portion of your monthly payment is deposited into the account to cover your estimated taxes and insurance premium when they are called due.

    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.

    Yes, it is important that you take a few moments to read the following tips to get ready:

    1. Update your browser. An updated browser is the gateway to a better and more secure online financial experience. It's vital to use the most current version of your preferred browser. If you are using Internet Explorer, you will also need to ensure that it is not running in Compatibility Mode. Also, if you would like to register your device and skip the need to enter a Secure Access Code on future visits, be sure to select 'Register Device' during the sign in process and ensure your browser is not set to automatically delete cookies. Visit our Digital Banking Support page to see which browsers are compatible.
    2. Update financial software. If you utilize financial software such as Quicken® or QuickBooks, there will be some additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system.
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    woman looking to refinance her home When It Makes Sense to Refinance Your Home
    Generally, people consider refinancing when interest rates are low to decrease their monthly payments or pay off their home faster. However, life circumstances and financial needs can sometimes outweigh the disadvantages of refinancing when interest rates are high. Let’s explore why someone might choose to refinance their home in such conditions.
    Read Article
    happy couple after buying a home How Homeownership Could Amplify Your Net Worth
    The net worth of US homeowners is 40 times more than renters. That’s according to a 2019 Federal Reserve study. It found renters had a net worth of just $6,300, versus $255,000 for homeowners. Continue reading to learn how homeownership could amplify your net worth.
    Read Article
    home design plans Hot Home Design Trends
    Figuring out your colors and finishes is one of the most challenging (and often intimidating) parts of starting a home renovation project. To help you narrow down your options, we’re sharing some recent home design trends.
    Read Article

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    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. 

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    Depawsits Made Easy

    Deposit your checks anytime, anywhere with the United app. Download the app to get started today!
     

     

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    Personal Banking

    At United Community Bank, we believe in providing you with the personal banking services that you really need. From checking and mobile banking to savings, credit cards and loans, we’ve got you covered.
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    Contact Us!

    United Community has locations throughout Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Whether it's business and personal banking solutions, real estate and mortgage lending, or advisory services, we are experts in getting you the financial support you need. 

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    TJ Love

    Mortgage Originator

    Ali Fletcher

    AVP, Mortgage Loan Originator

    Betsy Kelly

    Mortgage Originator

    Carolyn Swanner

    VP, Mortgage Originator

    Cindy Stone

    VP, Mortgage Originator

    Courtney Johnston

    VP, Mortgage Loan Originator

    David Jolly

    Mortgage Originator

    David Turner

    VP, Mortgage Originator

    Donna Robertson

    AVP, Mortgage Loan Originator

    Doug Schoonmaker

    VP, Mortgage Originator/Area Sales Manager

    Jason Blodgett

    VP, Mortgage Originator

    Jennifer Badger

    Mortgage Originator

    Jenny Keenan

    VP, Mortgage Originator/Regional Sales Manager

    Scott Sharp

    AVP, Mortgage Loan Originator

    Kara Nungesser

    AVP, Mortgage Loan Originator

    Keith Hill

    Mortgage Originator

    Tulea Price

    Mortgage Originator

    Tom Wilson

    VP, Mortgage Loan Originator

    Lisa Mericle

    VP, Mortgage Originator

    Tabitha Helms

    VP, Mortgage Originator

    Susan Visi

    Mortgage Loan Originator

    Lisa Pittman

    VP, Mortgage Originator

    Susan Barkley

    VP, Mortgage Originator

    Scott Nation

    VP, Mortgage Originator/Regional Sales Manager

    Ryan Hulton

    VP, Mortgage Originator/Regional Sales Manager

    Roseanne Smith

    VP, Mortgage Originator

    Kitty Mauzy

    AVP, Mortgage Loan Originator

    Renee Burgess

    VP, Mortgage Originator

    Paula Buckles

    Mortgage Loan Originator

    Paul Secondi

    AVP, Mortgage Loan Originator

    Mikell Richards

    VP, Mortgage Originator/Regional Sales Manager

    Terry Bradley

    Mortgage Originator

    Jim Hanrahan

    Mortgage Originator

    Ryan Smith

    VP, Mortgage Originator

    Blake McPherson

    Mortgage Loan Originator

    Matt Burns

    Mortgage Originator

    John Hagler

    Mortgage Loan Officer

    Bob Alman

    Mortgage Loan Originator

    Kim Witte

    VP, Mortgage Loan Originator

    Angie Abston

    VP, Mortgage Originator

    Dan Hegeman

    Mortgage Originator

    Patti Peterson

    VP, Mortgage Loan Originator

    Kim Walker

    VP, Mortgage Originator

    Bart Poynor

    Mortgage Originator

    Kathy McClure

    Mortgage Loan Originator

    Beth Cunningham

    Mortgage Loan Originator

    Andrew Young

    VP, Consumer Direct Manager

    Jennine Hunter

    AVP, Mortgage Loan Originator

    Derek Berry

    AVP, Senior Mortgage Loan Originator

    Bailey Boshers

    Mortgage Loan Originator

    Anna Robison

    Mortgage Loan Originator

    Marie Spafford

    Mortgage Loan Originator

    Jamie Pimentel

    Mortgage Services - Area Sales Manager

    Clint Hickox

    Mortgage Loan Originator

    Eric Dunlap

    Mortgage Loan Originator

    Kevin Bennett

    Mortgage Loan Originator

    Shane Furr

    Mortgage Loan Originator

    Kelvin Goodwin

    Mortgage Loan Originator

    Ginny B. Terry

    Mortgage Loan Originator

    Woody Woodfin

    SVP, Regional Sales Manager

    Mallory Murphy

    Mortgage Loan Originator

    Steve Ledford

    Mortgage Loan Originator

    Josh Morrow

    Mortgage Loan Originator

    Jeff Burgess

    Mortgage Loan Originator

    Erica Smith

    Mortgage Loan Originator

    Matt Meissner

    Mortgage Area Sales Manager

    Joy Hutsell-Banks

    VP, Mortgage Originator

    Bobby Matthews, Jr.

    VP, Regional Sales Manager

    Nick Morrone

    Mortgage Loan Originator

    Christine Muldoon

    Mortgage Loan Originator

    Katie Beam

    Mortgage Loan Originator

    Russell Carmichael

    Mortgage Loan Originator

    Bryan Segers

    Mortgage Loan Originator

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    Courtney Johnston

    VP, Mortgage Loan Originator

    Amanda Fastzkie

    Vice President – Business Development Officer

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    Take control of your card

    With United's Card Controls, you can manage your debit card from your mobile device, as well as set spending limits, lock/unlock its use, and even use GPS to limit transactions to a specified allowable location.
     

     

    Depawsits Made Easy

    Deposit your checks anytime, anywhere with the United app. Download the app to get started today!
     

     

    Limited-Time CD Offer
    Save for your future with fixed, competitive rates and flexible term limits.1
     

    9-month CD

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    Buying your first home?
    Buying your first home doesn't have to be scary. We'll be here with you every step of the way. From determining how much you can afford to finding the right program for your unique needs, our loan officers will guide your every step to your new front door.
    Learn More
    It’s Official!
    On July 31, 2023, we made the switch to our new look and our updated brand name: United Community.

    You should now see the new name and logo on our website, social media, mobile app, and online banking. Signage changes will be phased by location.

    While we may look a little different, our look is all that’s changed. We’re still the same bank—with the same people, personalized service, and commitment to you.

    We look forward to continuing to serve you as one United Community!
    Learn More

    United in Numbers

    3,080+

    employees and growing

    206

    locations in 6 states

    $24 billion

    in assets

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    More convenient ways to open an account.

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

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