Checking

Products and Services Designed Around You 
At United Community Bank, our product line is designed with the residents of this region in mind. With headquarters in Lawrenceburg, we understand the needs and concerns of our customers in Southeastern Indiana and the benefit of having a locally owned and locally operated bank in your community. 

 

We also provide our customers with the same level of technology that larger banks offer. We offer the convenience of online banking, and our partnership with Fifth Third Bank puts the region’s most extensive ATM network at your disposal. We also have eight locations in the region to better serve you. 

 

Our goal is to ensure your banking experience is the best it can be. This means making it easier and more convenient, while at the same time offering the value, flexibility and control you need and deserve.

 

 Checking Accounts Overview

UCB Checking

UCB Plus Checking

UCB Interest Checking

Minimum Opening Deposit    

$25

 $25

$25

Maintenance Fee

No 

Direct Deposit or eStatement required or $2 monthly fee applies 

$500 minimum balance or $8 monthly fee applies 

eStatment

Required or $2 fee for printed statements

Available

 Required or $2 fee for printed statements

Interest Bearing

 No

 No

 Tiered interest on balance $2500 and up

Free Online Banking

 Yes

Yes

 Yes

Free Bill Pay

  Yes

  Yes

 Yes

Free Mobile App

 Yes

 Yes

 Yes

Discounted Checks

 No

 Select styles at $15.00 per box

 No

Debit Card

 Yes

  Yes

 Yes

Overdraft Tolerance

 Yes

 Yes

Yes

NSF Sweep

$8 per day used

$8 per day used

$8 per day used

 

 

Checking Accounts Overview

Community Blue

Community Red

Minimum Opening Deposit    

$25

 $25

Maintenance Fee

$8 per month or $5 w/ Direct Deposit or eStatements

$15 per month or $10 w/ Direct Deposit or eStatements 

eStatements

Available

Available

Interest Bearing

No

No

Free Online Banking

 Yes

Yes

Free Bill Pay

Yes

 Yes

Free Mobile App

 Yes

 Yes

Discounted Checks

 No

  No

Debit Card

 Yes

  Yes

Overdraft Tolerance

No

No

NSF Sweep

$8 per day used

$8 per day used

Overdraft Protection

UCB offers tools so that you may protect yourself against the cost and inconvenience of returned checks or debits.  We have two products available to help you.

 

You may prevent returned items on your account by adding one of your UCB checking or savings accounts as overdraft protection. NSF Sweep can help save on fees that are being charged to your checking account.

UCB provides this service to cover inadvertent overdrafts that happen from time to time. This saves the embarrassment of returned items and additional expenses. We may cover checks and other transactions with this service. There will be an overdraft fee charged when UCB covers an overdraft.