Better Banking. Minimal Fees. Money in Your Pocket.
May 27, 2025
Have we caught your interest yet?
Your reward checking account with United Community Bank offers:
Minimum initial deposit: $50
6.01% APY* for balances up to $10,000*
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
You could be getting 6.01% APY*, refunds on ATM fees and more with reward checking from United Community Bank. This high-yield checking account has impressive interest rates and minimal fees—designed to give you the highest returns! Who doesn’t love that? At United Community Bank, our goal is to make sure your money works as hard as you do.
Whether you’re looking to earn more on your everyday checking account or want to streamline your banking experience with mobile-friendly features, our UCB reward checking account offers the perfect combination of convenience and high returns.
Think of what you could do with that extra cash! All of that money working for you could help pay your car note or fund your next family vacation.
Extra cash around the holidays? We got you.
Pay off that credit card bill? Absolutely.
Just want an extra cushion for a rainy day? We’re on it.
With earnings like these, United Community Bank is helping to grow your investments and give you extra breathing room each year.
Don’t lose interest. Sign up for a reward checking account at United Community Bank, and start earning more today!
*Minimum to open account is $50. Annual percentage yield (APY) is effective as of 05/24/2025. Premium APY based on tiered daily balances and qualifications. The portion of balances of $10,000 or less earn 6.01% APY. The portion of balances over $10,000 earn 0.10% APY. To earn the premium APY's and achieve a qualifying statement cycle, the following qualifications must be met: (1) you must complete 15 posted and cleared United Community Bank Visa Debit Card transactions in the amount of $5.00 or more excluding ATM transactions during the statement cycle, and (2) have at least one direct deposit or ACH debit per month posted and settled during the statement cycle. If all requirements are not met during any statement cycle, the entire balance will earn 0.05% APY. Additionally, if all requirements are met during the statement cycle, ATM fees totaling up to $20.00, that were incurred at other financial institutions will be refundable. If all requirements are not met, ATM fees incurred at other financial institutions will not be refunded. Paper statements may be mailed upon request at a cost of $3.00 per statement. Fees could reduce earnings on the account. Overdrafts could result in fees. Rate is subject to change after account opening.