![woman and son smiling](https://www.ucbi.com/getmedia/9b9fdee4-0314-4edd-8ff0-32fc2cdfd5f7/1099_homepage_aspot_2-2.jpg)
United Essential Banking Account
![BankOn certification](https://www.ucbi.com/getmedia/23be8dbd-03d1-47f0-bf75-a19cd1d54208/Bankon.jpg)
Banking, Simplified.
Set yourself up for financial success with our low-cost, low-stress checking account. With the United Essential Banking account, you’ll benefit from:
- Low minimum deposit
- No overdraft fees
- No daily balance requirement
- Mastercard® debit card
- Low monthly service fee of $5
- Total access to digital banking services
![](https://www.ucbi.com/getmedia/3ef39b5f-ee09-42dc-8714-f10e8a2f18c7/1480_Borrowing_CTA1_Minutelender.jpg)
Enjoy peace of mind and 24/7 access
You’ll get everything you need to make managing your money more convenient and less expensive:
- Online and mobile banking access1
- FREE 24-hour United and Publix Presto! ATM Access2
- Online bill pay1
- Mobile deposit1
- Free eStatements3
Ready to open an account with us?
It's easy to open your new account online. You'll need these items handy to get started:
Social Security Number
Minimum Opening Deposit
Government-Issued Photo ID
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Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.
2ATM transactions/balance inquiries outside of United Community Bank or Publix Presto! ATM networks are subject to charges by other institutions. There is a $1 fee charged by United for ATM transactions/inquiries outside our network.
3Paper statements are available for a $2 monthly fee.