Budget Calculator

A personal budget includes:

• Income, including wages and salaries
• Fixed expenses, including rent or mortgage payments, utilities, car payments and minimum credit card payments
• Variable expenses like food, clothing, transportation and entertainment

A personal budget puts you in control of your finances. It helps you prioritize your wants and needs and shows you where you may be getting off track, so you can cut back before you have a bigger problem. Budgets can reduce financial stress and help you reach your financial goals.

The benefits of using a budget include:

• Greater awareness and conscious spending
• Visible progress toward financial goals
• Planning and knowledge that reduce financial stress

Your budget should include:

• The essentials like food, clothing and shelter
• Debt repayment
• Savings
• Lifestyle non-essentials like entertainment, dining out and hobbies

Many financial advisors recommend budgeting no more than 30% of your gross, pre-tax income for rent. For instance, if your gross income is $6,000, you should pay no more than $1,800 toward rent.

Use these tips to help you stick to your budget:

• Set realistic goals, like cutting back spending in one area at a time such as dining out or buying new clothes.
• Come up with a goal to help you stay motivated, like saving toward the peace of mind of an emergency fund or a fun vacation.
• Set up automatic transfers from checking to savings on days you get paid.
• Review your budget regularly. Don’t set it and forget it.
• Use online banking and mobile banking tools to stay on top of your finances in the flow of your day.

United Community Bank offers a wide range of savings account options, including:

• United Savings, with a low $100 to open online or at your nearest United branch.
• High-yield Money Market accounts you can open online or at your nearest United branch.
• Certificates of Deposit (CDs) you can open at your nearest United branch.

There is no charge for enrolling in Mobile Banking.

Message and data rates may apply. Please check with your mobile carrier for details.

View this step-by-step demo to learn how to enroll in online banking. 

View the Digital Demo here. 

You can view your account balances anytime through online and mobile banking. To see your balances in online banking, select the “Account Summary” tab from the left menu bar. All of your accounts and balances will be listed in boxes to the right. You can then select any account and see all transactions and activity.

You can view your account balances anytime through online and mobile banking. To see your balances in online banking, select the “Account Summary” tab from the left menu bar. All of your accounts and balances will be listed in boxes to the right. You can then select any account and see all transactions and activity.

For instructions on how to transfer funds between your accounts and to other United customers, click to view our Quick and Easy Guide to Online Banking and Bill Pay and go to pages 43–49. If you need further assistance, please call our customer support representatives at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

• Monday–Friday, 8:00am–6:00pm ET
• Saturday, 9:00am–12:00pm ET

Yes. You can pay your bills as well as view and modify pending payments from United Community Mobile Banking, including the Mobile Banking App and Mobile web-based Banking.

Note: This service is not available with text banking.

No, but you do have to have a mobile cellular device. United Community also offers Text Banking. From any mobile phone with texting capabilities you can instantly view balances, recent transactions and receive text alerts.    

United Community Bank maintains rigorous security standards and procedures regarding unauthorized access to customer information. We allow the customer to choose their own unique Login ID and Password that identify the customer when logging on to Online Banking. The customer is required to select a target which will be their phone number as a call or text to receive a Secure Access Code (SAC). You will then enter the code on the Secure Access Code screen to gain access to Online Banking. In relation to technology, United uses the Secure Socket Layer (SSL) for transferring data and the highest type of encryption 128bit. SSL is the technology used to make sure that users establish sessions only with secure Internet sites. It protects data with (1) authentication, which ensures that the customer is actually communicating with the bank and not someone impersonating the bank, (2) encryption, the scrambling of transferred data so that account information cannot be intercepted and read by a third party and (3) data integrity, the verification that the information sent by the customer to the bank has not been altered during the transfer.    

Yes, when accessing mobile banking via our United Mobile App and/or an authorized mobile device, there are measures in place to help protect your information:

1. Your password is required each time you log in.
2. Unless you choose to register the device, you will be required to get a Secure Access Code (SAC) in an effort to protect against phishing and other potential threats.
3. Our system uses 128-bit encryption to mask your sensitive information.

For text banking security, no detailed personal information is sent via this service. For this, you will view your accounts by nicknames you set, not by account numbers.