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 Checking6

Open Account

Everyday Points Checking

Open Account

Interest Checking

Open Account

University Checking

Open Account

Team 50 Checking (Age 50 or Better)

Open Account

Minimum Opening Deposit $100 $50 $100 $1,000 $1 $100
Minimum Required Balance N/A None None $1,000 None None
Interest Bearing
Monthly Service Fee $4.954 None2 None2 $7.50 (Only if required balance falls below $1,000 any day of the statement cycle)2 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 Feel the power of checking that earns high rates! Earn up to 6.5-times the National Average and up to $20 in ATM fee refunds6 Earn Rewards Points with the Everyday Points Debit Card and Eligible Products & Services; INCLUDES FREE Bonus package7   INCLUDES FREE Bonus package5; HOORAYs For A’s: Earn Up to $20 Each School Year for Report Card A’s8 INCLUDES FREE
Team 50 Style Checks
Notary Services
Cashier's Checks
Limited Photocopies
Fax Service

Bonus Package7 | Add to Any Eligible New 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 on
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.


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

2E-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.

4The 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.

5Guardian 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.

6Rewards Checking earns up to 6.5x the National Rate for Interest Checking of 0.03% (source FDIC as of 9/20/21) when qualifications are met. Domestic ATM surcharge fees will be reimbursed up to $20 during each monthly statement cycle when qualifications are met and will be credited to your Rewards Checking or Rewards Saver Account. To qualify for the preferred interest rates and receive reimbursements on domestic ATM surcharge fees, the following minimum qualifications must be met: enrollment in E-statements, one ACH item (automatic payment or direct deposit) post and settle and 15 debit card transactions post and settle to your account during each monthly statement cycle. Transactions may take one or more banking days, from the date the transaction was made, to post and settle to your account. Intrabank transfers do not count as qualifying ACH transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions. Additional qualifications, limits and other requirements apply. See a banker for complete program details. 

7 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 Liberty Bank location. 

8 Hooray’s for A’s program pays $2.00 per A per semester up to a maximum of $10.00 per semester (twice yearly). See a banker for complete program details.