Compare Checking Accounts

Compare our checking accounts to help you choose which one best fits your lifestyle. Enjoy the following features included with all of our checking account options:

  • Online & Mobile Banking1
  • Email & Text Alerts1
  • UCB Card Vault1
  • Direct Deposit
  • Online Bill Pay & Zelle®
  • E-Statements2
  • Telephone Banking
  • Mobile Wallet1
  • 24/7 ATM Access3
  Guardian Checking

Request Appointment

Rewards Checking

Open Account

Value Checking

Open Account

E-Banking Checking

Open Account

University Checking

Open Account

Team 50 Checking (Age 50 or Better)

Open Account

Minimum Opening Deposit $100 $100 $100 $100 $1 $100
Minimum Required Balance N/A $0 $0 $0 $0 $0
Interest Bearing
Minimum Daily Balance to Earn Interest N/A N/A N/A $0 N/A N/A
Monthly Service Fee $4.954 None2 None2 None2 None None
Account Benefits INCLUDES: IDProtect®, our Identity Theft Monitoring and Resolution Service, Cell Phone Protection, Debit Advantage®, Travel and Shopping Savings, and Health Discounts5 Earn Rewards Points with the Everyday Points Debit Card and Eligible Products & Services; INCLUDES FREE Bonus package6 N/A Earn Rewards Points with the Everyday Points Debit Card and Eligible Products & Services; INCLUDES FREE Bonus package6 INCLUDES FREE Bonus package6; HOORAYs For A’s: Earn Up to $20 Each School Year for Report Card A’s7 Includes Free Team 50 Style Checks, Notary Services, Cashier's Checks, Limited Photocopies, Fax Services

Bonus Package6 | Add to Any Eligible Account!

Sign up for a FREE Everyday Points Debit Card to get started. To earn even more points and receive a $50 gift card, simply enroll in and use the following FREE services:

  • Direct Deposit
  • E-Statements
  • Online Banking
  • Online Bill Pay
  • Everyday Points Registration

Earn 5500 points for opening your account with Everyday Rewards & card activation
Earn 500 points for registering with Scorecard Rewards
Earn 1 point for every $2.00 you spend when you run your debit card as credit
Earn 1 point for every $1.00 you spend when you use your credit card
Every 6,000 points earned can be redeemed for a $50 gift card

Have you experienced issues managing overdrafts in the past? If so, learn more about our Balance Checking.


1 Your cellular provider’s data and text messaging rates may apply.

E-Statements provided monthly at no charge. Option to receive paper statement production and delivery is $2.95 per month. This fee does not apply to University and Team 50 Checking accounts.

3 Fees may be assessed by ATM machines not owned by United Community Banks. 

The Guardian Checking monthly fee of $4.95 is the service fee for the checking account and is charged regardless of the available checking benefits activated.

Guardian Checking benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation.  Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. | Shopping and travel savings are available online only. Health discounts are not insurance. | CreditScore is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. | Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by the FDIC or any federal government agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate. | Visit with your Banker for complete details.

Gift card offer is valid for NEW checking accounts only. Upon activation of required products and services, you will receive bonus points redeemable for a $50 gift card. The rewards points will be reported to the IRS as interest income. An active debit card is required to earn points. E-statement use is required to redeem points. Points are earned on qualifying signature-based transactions and are dependent upon merchant discretion. Timeframe for points to be credited to point bank may vary. For more information about the Everyday Points rewards program, please visit your nearest Mercantile Bank location. 

Hooray’s for A’s program pays $1.00 per A per semester up to a maximum of $5.00 per quarter. See a banker for complete program details.