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 Better Than Free
UCB 50 Plus
UCB Traditional
 Minimum Opening Deposit     $25  $25 $25
 Check Writing      Unlimited  Unlimited  Unlimited
 Monthly Service Fee $0 $0  Maintain $500 or pay $5/mo.
 Free eStatement of Image Statement  Free eStatement  Yes  Yes
 Free Online Banking  Yes Yes  Yes
 Free Online Bill Payment   Yes   Yes  Yes
 Free Telephone Banking 812-539-4822  Yes  Yes  Yes
 Free Checks  No   Yes*  No
 Free UCB CheckCard**  Yes   Yes  Yes
 Overdraft Sweep  $8/Sweep Daily  $8/Sweep Daily  $8/Sweep Daily
 Installment Loan Discount with Autopay**  0.25%  0.25%  0.25%
 Real-Time Banking  Yes  Yes  Yes
 Safe Deposit Box Rental 1st Year Free 1st Year Free  1st Year Free
 UCB Courtesy Overdraft Service***                   Yes - Opt In Yes - Opt In  Yes - Opt In
 PROVENT Fraud Protection $5/Month $5/Month $5/Month

 

*1 Box of Free Wallets every 12 months. 50% discount off of 1 Box of Duplicate checks every 12 months. Free Shipping and Handling. 
** Upon qualification
***This service MAY cover check clearing debit card transactions, preauthorized automatic debits, telephone-initiated transfers or other electronic transfers.


 

 Checking Accounts Overview Community Blue
Community Red
 Minimum Opening Deposit     $25  $25
 Check Writing      Unlimited  Unlimited
 Monthly Service Fee $5 w/ direct deposit or estatements
$8 w/o direct deposit or estatements
$10 w/ direct deposit or estatements
$15 w/o direct deposit or estatements
 Free eStatement of Image Statement  Yes  Yes
 Free Online Banking  Yes Yes
 Free Online Bill Payment   No   No
 Free Telephone Banking 812-539-4822  Yes  Yes
 Free Checks  No   No
 Free UCB CheckCard**  Yes   Yes
 Overdraft Sweep  $8/Sweep Daily      $8/Sweep Daily
Installment Loan Discount with Autopay**  0.25%  0.25%
 Real-Time Banking  Yes Yes
Safe Deposit Box Rental 1st Year Free 1st Year Free
 PROVENT Fraud Protection $5/Month $5/Month

 

Checking for Everyone

UCB has checking accounts to fit all of your banking needs.  We still have FREE options, and we have accounts for those who may have had problems with a checking account in the past.  Check Out Our Checking Accounts!


 

To learn more about our Checking Account options, please complete the information below and one of our Branch Managers will be happy to answer any of your questions.