Compare Checking Accounts

Compare our checking accounts to help you choose which one best fits your lifestyle. Enjoy the following features included with all of our checking account options:

  • Online & Mobile Banking1
  • Email & Text Alerts1
  • Local Merchant Discounts
  • Direct Deposit
  • Online Bill Pay
  • E-Statements2
  • Telephone Banking
  • Mobile Wallet1
  • 24/7 ATM Access3
  Rewards Checking4

Open Account

Value Checking

Open Account

Interest Checking

Open Account

University Student Checking

Open Account

Team 50 Checking (Age 50 or Better)

Open Account

Minimum Opening Deposit $100.00 $100.00 $1,000.00 $1.00 $100.00
Minimum Required Balance None None $1,000.00 None None
Interest Bearing
Monthly Service Fee None2 None2 $7.50 (Only if required balance falls below $1,000.00 any day of the statement cycle)2 None None
Account Benefits Earn Rewards Points with the Everyday Points Debit Card and Eligible Products & Services; INCLUDES FREE Bonus package4     INCLUDES FREE Bonus package4; HOORAYs For A’s: Earn Up to $20 Each School Year for Report Card A’s5 INCLUDES FREE
Team 50 Style Checks
Notary Services
Cashier's Checks
Limited Photocopies
Fax Service

Bonus Package4 | Add to Any Eligible Account!

Sign up for a FREE Everyday Points Debit Card to get started. To earn even more points and receive a $50 gift card, simply enroll in and use the following FREE services:

  • Direct Deposit
  • E-Statements
  • Online Banking
  • Online Bill Pay
  • Everyday Points Registration

Earn 5500 points for opening your account with Everyday Rewards & card activation
Earn 500 points for registering on ucbbank.com/everydaypoints
Earn 1 point for every $2.00 you spend when you run your debit card as credit
Earn 1 point for every $1.00 you spend when you use your credit card
Every 6,000 points earned can be redeemed for a $50 gift card

1 Your cellular provider’s data and text messaging rates may apply. Additional fees apply for Mobile Deposit. E-Statements provided monthly at no charge. Option to receive paper statement production and delivery is $2.95 per month. This fee does not apply to Student and Team 50 Checking accounts. 3 Fees may be assessed by ATM machines not owned by United Community Banks. Gift card offer is valid for NEW checking accounts only. Upon activation of required products and services, you will receive bonus points redeemable for a $50 gift card. The rewards points will be reported to the IRS as interest income. An active debit card is required to earn points. E-statement use is required to redeem points. Points are earned on qualifying signature-based transactions and are dependent upon merchant discretion. Timeframe for points to be credited to point bank may vary. For more information about the Everyday Points rewards program, please visit your nearest United Community Bank location.  5Hooray’s for A’s program pays $1.00 per A per semester up to a maximum of $5.00 per quarter . See a banker for complete program details.

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