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United Community Bank Review

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United Community Bank Savings
0.02% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1950, United Community Bank has assets totaling $12 billion along with $10 billion in deposits, which makes it a large bank. United Community Bank, whose headquarters are in Blairsville, Georgia, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Coming in at an average 3.5 out of 5 stars, United Community Bank is a bank with better alternatives. United Community Bank has a full suite of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking account features a monthly fee of $8.00, which places it at the higher end of monthly fees. Finding an institution with free checking, in addition to a high interest rate savings account is your best option for getting the most income from your deposits while having convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.02%, United Community Bank ranks poorly as compared against the national average. United Community Bank's CDs feature a rate of 0.10% and 0.20% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.10%. Given its noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

How United Community Bank's Savings Rates Compare

United Community Bank Savings 0.02 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

United Community Bank charges its customers high fees compared to the average U.S. bank. At $8.00/month, United Community Bank's checking account is less than ideal for those who need a hassle-free checking account. United Community Bank does not refund out-of-network ATM fees, meaning you'll need to locate a United Community Bank ATM or pay the fee.

Monthly Fee $8.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

United Community Bank is a brick-and-mortar bank, with 145 total branches in Georgia, North Carolina, South Carolina and Tennessee. With mobile and web apps, United Community Bank makes mobile banking easy, even on the go. It does not offer all-day customer service with actual service representatives. You can get help during its hours, which are Monday through Friday, 8:00 a.m. to 7:00 p.m. ET; Saturday, and 8:00 a.m. to 12:00 p.m. ET. United Community Bank's online and mobile banking services receive reasonably high marks from users. The United Community Bank mobile app has an overall rating of 4.1 out of 5 (out of 1,800 reviews on Apple and Android) compared to the national average of 3.8. You can utilize United Community Bank's app to control your funds by checking monthly statements, sending and receiving funds as well as accessing support representatives. United Community Bank gets a superb consumer satisfaction score due to comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

United Community Bank ranks as a large bank and handles assets totaling $12 billion as well as $10 billion in deposits. Its Texas Ratio is 1.76%, denoting that the bank is in superb financial shape and improbable to fail. Additionally, United Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare United Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.02% APY $2500
Checking Account 0.02% APY $2500
Certificates of Deposit
  • 12 Month: 0.10% APY
  • 24 Month: 0.15% APY
  • 36 Month: 0.20% APY
  • 48 Month: 0.20% APY
  • 60 Month: 0.20% APY
$500 for all terms
Money Market Account 0.1% APY $10000

United Community Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. United Community Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. United Community Bank's CD rates are fair compared to the national average.

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Find a United Community Bank Near Me

United Community Bank has 145 branches across the U.S.

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