Personal Checking Accounts | 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

Open Community Points Checking


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

Open Reward Checking

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

*Rate is subject to change after account opening.

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


Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle is a fast, safe and easy way to send and request money with friends, family and others you trust. Money is sent directly to the recipient's account and is typically available in minutes, and all you need to send money is the recipient's email address or U.S. mobile phone number.

Zelle is available through our Mobile App and Online Banking solutions to all customers utilizing Bill Pay. For additional information, click here.