United Community Bank are committed to helping their customers improve their lives concerning banking. To find out if United Community Bank is right for you, continue reading the review below.
Priding themselves as “the Bank That SERVICE Built®”, they take customer service seriously and provide a wide selection of account options for all ages.
Checking Account Options
United Community Bank has several checking accounts that comes with a good amount of benefits.
This is an everyday checking account and you will need $50 to open this account.
There is also an $8 monthly fee, but you can waive it as long as you enroll in eStatements, OR make a direct deposit of $200 during your statement cycle.
Some benefits you get with this account are:
- Access to 150+ United ATMs and 1,100 Publix Presto! ATMs completely free
- $10 off you first order of checks
This is a checking account designed for students ages 16-22.
You can open this account with just $25 and then not have to not worry about a monthly fee afterwards.
Some benefits you get with this account are:
- Access to 150+ United ATMs and 1,100 Publix Presto! ATMs completely free
- Free eStatements
- $10 off you first order of checks
This is an interest bearing checking account that comes with a bunch of exclusive benefits.
You will need $1,000 to open this account and then it will start earning competitive interest rates.
There is also a $25 monthly fee, but you can waive it if you manage to maintain a daily balance of $15,000.
Some benefits you get with this account are:
- Access to 150+ United ATMs and 1,100 Publix Presto! ATMs completely free
- Signature Banking checks (limited to 2 orders per year)
- Free eStatements through Online Banking
- No fees for Overdraft Protection transfers
- Official checks and ATM/debit card replacements
- $30 discount for Stop Payment requests
- $25 discount on annual safe deposit box rental
This account is for those who are 55 and over.
You will need at least $25 to open this account, but there are no monthly fees or minimum balance requirements to worry about afterwards.
Some benefits you get with this account are:
- Access to 150+ United ATMs and 1,100 Publix Presto! ATMs completely free
- Free standard wallet checks (one order per year)
- Free eStatements through Online Banking
- No fees for Overdraft Protection transfers
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
United Community Bank has a small selection of savings accounts, but they earn competitive interest rates.
This is a standard savings account and you can open it with a minimum deposit of $100.
If you manage to keep a $100 daily balance, you can waive the monthly fee.
This savings account is designed for students who are 22 and older, so basically college students.
With just $5, you can start earning interest at a competitive rate without having to worry about paying a monthly fee either.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.60% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
United Community Bank has one money market that earns competitive interest rates.
UCB Money Market:
- This account earns graduated interest rates
- You can open this account with a minimum deposit of $1,500.
- If you manage to maintain a daily balance of $1,500, you can waive the monthly fee
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.55%% APY balances $100,000 and over • Earn 3.50% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
At United Community Bank, there is a small selection of CD accounts and terms to choose from, but they both earn a pretty high APY.
To find out the current rates that United Community Bank has to offer, click here.
You will need an opening deposit of $2,500 to open this account and then you will immediately start earning interest.
The interest earned is compounded daily and your CD will automatically renew upon maturity.
You will yet again need $2,500 to open this account.
You will start earning interest and it is compounded daily.
This CD will automatically renew upon maturity.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons to Bank with United Community Bank
- They have a good range of checking and savings accounts.
- All their checking accounts come with pretty good benefits.
- Their opening deposits aren’t too high.
- The interest is compounded daily.
- They have a youth checking and savings account for both teenagers and young adults.
- Provides senior citizens a checking account with no monthly fee.
- United Community Bank offer excellent customer service.
- Conduct all your banking online or through the United Community Bank mobile app.
Reasons Not to Bank with United Community Bank
- They only have physical branches in 4 states: South Carolina, North Carolina, Georgia and Tennessee.
- Earns decent interest rates, but you can probably find higher rates elsewhere.
- Their CD accounts are a bit costly concerning how low of an APY they can earn.
- Lack of variety in savings and CD accounts.
- They don’t offer 24/7 customer service.
United Community Bank Routing Number
The routing number for United Community Bank is 061119464.
Contact Customer Service
You can reach United Community Bank at 1-800-822-2651.
A customer representative will be available to speak to you at these hours:
- Monday – Friday: 8:00 a.m. to 7:00 p.m.
- Saturday: 8 a.m. to 12 p.m.
How United Community Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Huntington Bank: Huntington offers a variety of account options to choose from. Right now, Huntington is offering bonuses when you sign up for select checking accounts, including business ones!
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
Bottom Line
If you are looking for a bank that has an average selection of accounts and happen to live in any of the four states United Community Bank is located in, then you’re set for financial success.
They offer children, young adolescences and senior citizens their own checking accounts, and absolutely no monthly fees to deal with either!
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with United Community Bank, then apply today! For more options from a variety of banks, see our list of the best bank promotions!
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