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United Community Bank

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This checking account allows you to earn points every time you use your United Community Bank VISA® Debit Card.

  • Minimum initial deposit: $100
  • No monthly service charge
  • Free first order of UCB wallet checks
  • Unlimited check writing
  • Points can be redeemed for merchandise, travel, gift cards and more


Earn a premium interest rate* on your checking account balance with Reward Checking.

  • Minimum to open: $100
  • No monthly service charge
  • Refunds on ATM fees nationwide+
  • Refunds on foreign ATM surcharges+
  • Unlimited check writing
  • Electronic statements**
  • Must complete 15 posted and cleared United Community Bank VISA® Debit Card transactions of at least $5.00 each in a qualifying statement cycle
  • Must have, posted and settled, at least one ACH Debit or ACH Credit during a qualifying statement cycle

For more information regarding Reward Checking rates and terms, click here

*Rate is subject to change.

**Paper statements may be mailed upon request at a cost of $3.00 per statement.
+Up to $20.00 per qualifying statement cycle.


Our ATM locations range from Baton Rouge to Golden Meadow. You’ll find information about each of our branch locations on our Locations page.


This interest-bearing checking account is ideal if you need access to your funds but want competitive interest rates.

  • Minimum Initial Deposit: $1,000
  • If your minimum daily balance is less than $1,500, a fee of $10.00 per cycle applies and no interest is applied to your balance


United Community Bank VISA® Debit Card offers you control, security and convenience when you make everyday purchases. For your protection, we also provide around-the-clock fraud monitoring. If you’d like to earn points just by using your United Community Bank VISA® Debit Card, our Community Points Checking might be right for you.


Apple Pay & Samsung Pay allow you to make payments from your United Community Bank VISA® Debit Card using your Mobile Device with a single touch. It’s available in-store with a variety of merchants and within apps.

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.