NOTICE:  If you have yet to receive your New Visa EMV chip card, please call your local branch about receiving an instant issue debit card.

NOTICE:  Attention eStatement customers, February and March statements will be available through online banking in 3 to 4 weeks. Paper copies can be obtained by contacting your local branch.


Depositing checks from your smart phone is a snap.

With External Transfers, you can check your balance, transfer funds, find a branch or ATM, and even pay y our bills. Now, with External Transfers, you can even deposit checks directly from your smart phone. Simply enroll in this service and upon approval, it will automatically be added to your existing Mobile app - no additional download required!

*Message and data rates may apply.

Account Eligibility Requirements:

  • United Community Bank Checking account
  • Account open for minimum of 90 days
  • No overdraft items for past 90 days

Individual Customer Limits:

The following types of account limits, set for the account, are applicable:

  • Time based (daily and 30-day rolling)
  • Service Level (Standard and Next-Day)
  • Directional (inbound and outbound)

Default Limit Settings

Service Limits Limit Type Inbound Limit/Max Allowable Outbound Limit/Max Allowable
Standard Transfers Transaction $5,000/$30,000 $5,000/$30,000
Daily $5,000/$30,000 $5,000/$30,000
Outstanding $5,000/$30,000 $5,000/$30,000
Monthly (rolling 30 day period) $10,000/$30,000 $10,000/$30,000
Next-Day Transfers Transaction $2,000/$10,000 $2,000/$10,000
Daily $2,000/$10,000 $2,000/$10,000
Outstanding $2,000/$10,000 $2,000/$10,000
Monthly (rolling 30 day period) $5,000/$20,000 $5,000/$20,000


  • A fee of $1.00 per transfer will be applied

Funds Availability:

  • For deposits received and accepted before 2:00 pm Central Time on a business day that we are open, we will consider that day to be the day of your deposit. Funds from your deposit generally will be available to you on the first business day after the day we receive your deposit. Please see the Funds Availability Policy for additional details.


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