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Deposit Accounts

Here for what you need.

Depositing your hard-earned money is convenient and easy, with in-person and electronic services, and direct deposits.

Seaside Signature Checking

Free Signature Banking Checks1, competitive interest rates, and no fees for Overdraft Protection transfers are just some of the benefits of our Signature Checking option. 

Also included:

  • $1,000 minimum to open
  • $25 monthly service charge (with many options to avoid fees)2
  • $30 discount for Stop Payment requests
  • $25 reimbursement on annual safe deposit box rental
Checking Accounts

Whether you are looking for a simple account with all the necessities, or an account catered to your specific needs, we have a checking account for you.

Money Market Accounts

Earn premium interest rates with this high-yield Money Market account.

CDs and IRAs

When you diversify your portfolio with our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs), rest assured that your money is actually working for you, not against you.

Savings Accounts

Our savings accounts offer low balance requirements and competitive rates of interest.

Health Savings Accounts

Get easy access to your money while earning tax-free interest on your balance with an HSA. You never know when you’ll need it most.

Enjoy these benefits with every account.

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Digital Banking

We go with you whenever you’re on the go. With our personal Online and Mobile Banking3 services, we are always there for you.
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Debit Cards

Our debit cards include top-tier Mastercard® benefits that are perfect for your everyday purchases.
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Card Controls

With our Card Controls, you can manage your debit card from your mobile device, as well as set spending limits, lock/unlock its use, and even use GPS to limit transactions to a specified allowable location.
Download on the App Store
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Overdraft Protection

We offer choices to help manage overdrafts in the event you don't have enough funds in your account to cover your transactions.
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Direct Deposits

Direct Deposit is a convenient, free service that automatically deposits funds into your account quickly and securely.
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Stop Payments

Mistakes happen. Initiate a stop payment in your branch or through Online and Mobile Banking whenever they happen to you.
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Digitally view, search and save all your statements. It’s free, and you can do it from home, or on the go using our Online and Mobile Banking options.
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Mobile Deposits

Mobile Deposits are quick and simple. Just snap a picture of your check and deposit it directly into your account3. It’s that easy.
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Early Pay

You work hard for your money. We offer Early Pay4 to help you get it sooner. If you’re enrolled in direct deposits, you can get paid up to 2 days early.

Contact Your Client Advisor

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1All Signature Banking accounts come with free exclusive Signature Banking checks. Limited to two (2) orders per year.

2Avoid monthly service charge on Seaside Signature Checking account by maintaining $15,000 minimum daily balance. You may also avoid the monthly service charge if you maintain $25,000 in combined consumer deposit balance(s) or maintain $50,000 in combined outstanding principal balances in consumer loan accounts owned and serviced by Seaside and United Community Bank. Additionally, the monthly service charge may be avoided if the primary account holder for this account also maintains assets under management with Seaside Insurance, or maintains a mortgage loan serviced by United Community Mortgage Services or our mortgage servicing provider on behalf of Seaside and United. (Note: Seaside Signature Checking, insurance services and third party serviced loans must all be reporting under the same tax identification number in order to qualify for service charge waiver.)

3 Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.

Early Pay is a courtesy service provided by United Community Bank.  At our sole discretion, we may make funds available for certain direct deposits as soon as the payor notifies us of the payment. This means we can make your money available to you up to 2 days before we receive the funds from the payor.  Early availability of direct deposits is dependent on the timing of your payor’s payment instructions, fraud prevention overlays, and other restrictions. United Community Bank does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may vary from deposit to deposit – including those from the same payor. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. We reserve the right to discontinue the early availability of direct deposit at our sole discretion and without any further notice to you.