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Welcome to the new ucbi.com! We're excited for you to experience everything the new website has to offer. You'll notice a simplified navigation, easy-to-access quick links to find the information you're looking for, improved financial resources and much more. For more information, visit The New Website page, peruse the site or contact us.  
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Savings Accounts

Save for the future. Save for your dreams.

Whether you’re saving for retirement, building a nest egg for the future or creating an emergency fund for a time in need, United Community Bank has the right savings option for you.
United Savings

Isn’t it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy, or secure with our convenient interest-earning savings account.

  • $100 minimum deposit to open
  • Daily balance of $100 necessary to earn interest and avoid service charge1
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
United Money Market

Earning primo interest rates is the name of the game with this high-yield Money Market account.

  • $1,500 minimum deposit to open
  • Daily balance of $1,500 necessary to avoid service charge3
  • Account balance earns you graduated interest rates
  • Six free withdrawals each month4
United Student Savings

If you are 22 or younger, start planning for your future with our interest-earning savings account. Your future self will love you for it.

  • No minimum deposit to open
  • No service charge
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
Certificates of Deposit

Time might pass you by, but your dollars won’t in the process. Earn more on your money with one of our CD options.

  • 7-month and 13-month options available
  • Competative rates
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly.

Enjoy these benefits with every account.

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Digital Banking

We love hanging out in coffee shops, carpool lines and even in pockets. In other words, we go with you whenever you’re on the go. With our personal Online and Mobile Banking5 services, we are always there for you.
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United eStatements

Digitally view, search and save all your statements. It’s free, and you can do it from home, or on the go using our Online and Mobile Banking options. Enroll today through your online account settings. 
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Direct Deposit

Make one less trip to the bank with Direct Deposit. This convenient, free service is available to all account holders.
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Mobile Deposits

Ever taken a check selfie? No worries, all you have to do is snap a picture of your check and deposit it directly to your account5. It’s that easy.

An HSA to save the day.

Get easy access to your money while earning tax-free interest on your balance with a Health Savings Account. You never know when you’ll need it most.

Watch your money grow.

Nothing is ever a guarantee. Or is it? When you diversify your portfolio with our Certificates of Deposit (CDs), rest assured that your money is actually working for you, not against you.

Get the Right IRA That Pays

These days, it's more important than ever to start saving for your future. With our Traditional and Roth IRA options that come in a variety of terms, there's really no reason to wait.

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

Can I transfer funds from my checking or saving accounts to make a loan payment?

Yes. Personal Online Banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through Online Banking. Select Transfer/Deposit on the left menu, Select Funds Transfer and fill out the from and to account, then input the transfer amount and date. Click Transfer at the bottom after you have reviewed the transfer details.

Important: Payments made before 6:00pm each business day will be applied the same day.

Can I transfer funds from CDs and IRA accounts to my checking and savings accounts?

No, you can only transfer between your checking, savings and loan accounts.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

How do I update my mailing address?

You may visit your local branch or update it within your Online Banking account. Within Online Banking, click Settings in the left menu, Address Change, update your address and submit.

Didn't find what you are looking for?

Click here to contact us.

Learning Center

Balancing and Budgeting

Budgeting doesn’t have to be tough. At the basic level, budgeting means you understand exactly how much money you earn and then you make smart decisions about how you manage that money.
Read Article

Holiday Spending Tips

The holiday season is filled with many sights, sounds, and festivities. It can also be filled with a lot of spending. We've put together some tips to help you manage your ho-ho-holiday spending this year and next!
Read Article

Strengthen Your Savings With a CD

In need of boosting your savings? A Certificate of Deposit (CD) may be for you. When you’re trying to bolster your savings, our CDs can be the ideal solution that rewards your patience.
Read Article

A service charge of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.

2 A $2.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per quarter.

Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained.

A $10.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per month.

Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.