Personal Banking Accounts
Money-saving checking with overdraft protection.
Whether you’re just getting started financially, or you’re a seasoned pro, we have the best checking accounts for what you need.Compare your options.
| Features | United Checking | United Signature Checking | United Checking For 55+ | United Checking For Students | United Essential Banking |
|---|---|---|---|---|---|
| Eligibility | N/A | N/A | Ages 55 or better | Ages 16-22 | N/A |
| Minimum to Open | $50 | $1000 | $25 | $25 | $25 |
| Monthly Service Charge | $8 | $25 | $0 | $0 | $5 |
| How to Avoid Monthly Service Charge | Enroll in eStatements-OR-One (1) qualifying Direct Deposit1 per statement cycle | $15,000 Minimum Daily Balance3-OR-$25,000 Combined Deposit Balance3-OR-$50,000 Combined Outstanding Consumer Loans3-OR-Relationship with United Community Advisory Services or United Community Mortgage Services3 | N/A | N/A | N/A |
| Earns Interest | No | Yes, tiered interest rates | No | No | No |
| Check Orders | $10 off the first order$5 off reorders | FREE (Exclusive United Signature Banking checks. Limited to two (2) orders per year)4 | FREE (Standard Wallet only. Limited to one (1) order per year) | $10 off the first order$5 off reorders |
Not Available (This account does not offer check writing privileges) |
| Other ATMsATM transaction/balance inquiry outside of United or Publix Presto! ATM network | $1 charged by United2 | $0 charged by United2Up 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 | $0 charged by United2 | $0 charged by United2 | $1 charged by United2 |
| Paper Statements | $0Additional fees apply for check images | $0Additional fees apply for check images | $0Additional fees apply for check images | $3Additional fees apply for check images | $2 |
| eStatements | $0 | $0 | $0 | $0 | $0 |
| Overdraft Management Options | 1. Courtesy Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account | 1. Courtesy Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account | 1. Courtesy Overdraft62. Courtesy Overdraft with ATM and debit card coverage63. Overdraft Line of Credit74. Linked checking, savings or money market account | 1. Overdraft Line of Credit72. Linked checking, savings or money market account | N/A |
Enjoy these benefits with every account.
Stop Payments
Digital Banking
Debit Cards
Overdraft Protection Services
Direct Deposits
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- Easy online application with multiple terms to choose from
- Competitive interest rates available
- Additional options available in branch
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.
Learning Resources
Inventive Ways for College Students to Save Money
A Mortgage That Works For You
Retirement Savings: How Much Is Enough?
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An $8.00 service charge per monthly statement cycle will be imposed unless the account is enrolled in eStatements through online banking OR there is at least one qualifying direct deposit of $200.00 or more into this account during the current statement cycle. Qualifying direct deposits are electronic deposits made by an employer, federal or state government, a corporation or organization and include income such as salary, Social Security, pension and retirement, VA Benefits, and annuity or dividend payments.
2 ATM 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 $1 fee from United.
3 Avoid 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.)
4 All United Signature Banking accounts come with free exclusive United Signature Banking checks. Limited to two (2) orders per year.
5 Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
6 United Community Bank may pay overdrafts at our discretion and reserves the right to terminate this service at any time. You are required to pay a $36 overdraft fee for each overdraft transaction that is paid by the bank. There is a limit of $108 each day in total fees that you can be charged for overdrawing your account. Items not paid will be returned and you will incur a $36 returned item fee. Overdraft service applies to checks, pre-authorized electronic debits and online banking and bill payment transactions. Additionally, ATM withdrawals and one-time debit card transactions are covered if you choose to opt into this service for those transactions. Reimbursement of overdraft coverage payments must be made promptly by making a deposit in your account. Overdraft items are generally not covered for accounts that are not in good standing, do not have regular deposits or those with excessive overdrafts.
7 Upon credit approval.
8 Early Pay is a courtesy service provided by United Community Bank. At our sole discretion, we may make funds available for certain direct deposits as soon as the payor notifies us of the payment. This means we can make your money available to you up to 2 days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions, fraud prevention overlays, and other restrictions. United Community Bank does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may vary from deposit to deposit – including those from the same payor. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. We reserve the right to discontinue the early availability of direct deposit at our sole discretion and without any further notice to you.
