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 $200 bonus when you open a Chase Total Checking® account and set up direct deposit • Access to more than 16,000 Chase ATMs and more than 4,700 branches • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – no 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 bring your account balance to overdrawn by $50 or less at the end of the next business day* *With Chase Overdraft AssistSM, we won't charge an Insufficient Funds 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 HMB223 by 06/15/2023 • 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 get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code HMB223 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. 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 the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. |
 With the American Express® High Yield Savings Account: • Earn 3.75% APY as of 3/16/23 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access |
 • Earn up to 0.61% APY with interest compounded daily and no monthly fees with the Axos Bank High Yield Savings account • No minimum balance requirements • Free ATM card upon request • $250 minimum opening deposit • Free Incoming Wires |
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 • Open with as little as $2,500. • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
 With the CIT Bank Money Market Account, you can earn a competitive interest rate and access your money easily. • Earn 1.55% APY on your funds • One of the nation's top rates — several times the national average. • Get up to 6 digital transfers/withdrawals per statement cycle • Save smart and get more for your money • Higher rates than traditional banks • Get 24/7 Account Access • Secure banking features • Open with as little as $100 • FDIC insured |
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 4.75% 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. • Start today with a minimum deposit of $2,500! • Get started and open a Discover CD in 3 easy steps. |
 • Available online nationwide • Earn up to 4.65% APY • $1,000 minimum to open • Selection of terms to meet your needs • A range of choices. Low minimum deposits. • No fees to open or maintain the account • Available as Custodial • Open a CIT Bank Certificate of Deposit Account today! |
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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