United Community Bank Review
United Community Bank is a super‑regional financial institution serving the Southeast and Mid‑Atlantic with full banking and wealth services.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | UCBI Free Checking | No monthly fee |
Savings: | UCBI Savings | 10.00% APY |
Credit: | UCBI Visa Platinum | 1% cash back |
Mortgage: | 30-Year Fixed | 3.75% interest rate |
Fee Rating
3.5/5
Lower is better
FDIC Insured
Yes
Certificate: 062400868
Digital Banking
4.0/5
Online & Mobile Experience
Branch Network
230
Physical Locations
Key Features
- Regional expertise; personalized service; competitive loans.
Bank Information
Routing Number
062400868
SWIFT Code
UCBIUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-272-2650
24/7
Headquarters
Blairsville, GA, USA
Years in Business
75 years (Est. 1950)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; auto‑logout
Login Instructions
Enter account # & password → verify 2FA
Login Help
Call customer service: 1-800-272-2650
Hours: 24/7
Products & Services
Accounts & Products
Checking
UCBI Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$32
ATM Fee
$2.5
Savings
UCBI Savings
APY
$10.00%
Annual Earnings
$10.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
UCBI Visa Platinum
Mortgage
30-Year Fixed
Interest Rate
$3.75%
APR
$3.875%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with United Community Bank?
Visit their website to explore account options and start your application