UCB Checking

Our banking service is designed with you in mind. We listen carefully to understand your individual banking needs. It’s how we can provide the best products and services for you

Every new personal checking account includes:
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE Mobile Deposit
  • FREE eStatements with online check images
  • Buy Back of your unused checks and debit cards from another financial institution when you open a new UCB personal checking account
  • Easy to manage Monthly eStatements

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Totally Free Checking

A Free account for everyone

  • FREE starter pack of personalized checks
  • No minimum balance
  • No monthly service charge

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment

  • FREE starter pack of personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

50+ Interest Checking

A perfect account for customers 50 and over

  • FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Premium Interest Checking

An account for those interested in higher interest

  • FREE personalized checks
  • Higher interest rate with balance of $1,500.00 or more
  • Competitive interest if balance falls below $1,000.00
  • Only $6.00 monthly charge if minimum balance falls below $1,500.00

Rewards Checking*

All these benefits come with your Rewards Checking Account

  • Only $6.00 - monthly charge
  • Free club checks (2-Boxes per Year)
  • $10,000.00 Accidental Death & Dismemberment Insurance and $60,000.00 Common Carrier Accidental Death & Dismemberment Insurance
  • $20,000.00 Private Passenger Automobile Accidental Death & Dismemberment Insurance
  • Payment Card Protection
  • Extended Warranty and Purchase Price Protection
  • Everywhere Cash Savings
  • Everyday Rebate Rewards
  • Identity Theft Insurance
  • Identity Fraud Support Service                                                 * You may request a Rewards Checking packet with full benefit disclosure at any UCB branch location

Free Student eChecking

A FREE account for students until age 23

  • FREE starter pack of personalized checks
  • No minimum balance
  • No monthly service charge
  • At least one co-applicant must be 18
  • $25.00 minimum opening deposit
  • eStatements only on this account
  • Get reimbursed for up to $10.00/month in ATM surcharges*       

*To receive a refund of surcharges incurred on this account at foreign ATM's, you must have a minimum of six (6) point-of-sale transactions posted during the statement cycle. Refund is limited to $10.00 per statement cycle.

Minimum opening deposit only $50 except Free Student Checking - minimum opening deposit is $25. Other fees such as non-sufficient funds, Zelle, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details.
Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cars are presented.
Offer good on personal accounts only; ask us about our outstanding options for your business or organization.
Ask us for details.

Overdraft Protection

Transfer money from your UCB savings or Money Market Investment Account to cover non sufficient funds in your checking account for only $5.00 per transfer for up to 6 transfers per statement cycle. UCB also offers a couple different options for overdraft protection, please contact the bank for more details.

Want to make the Switch to United Cumberland Bank?
We can help you make the switch.

Ready to Open your Account today?
Please visit or call one of our branch locations closest to you.

Your mobile carrier may charge access fees depending upon your individual plan. Check with your carrier for specific fees and charges.
The daily balance is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Fees may reduce earnings on the account.
Please note, Insurance services are: Not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank; Not insured by the FDIC or any other agency of the United States, the bank, or an affiliate of the bank; and in the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value.
Please ask to read UCB Club Checking Programs materials for full details on these valuable benefits. For questions about our club benefits, please call 1-800-251-2311
Accounts may be assessed other fees. You may request to see our combination disclosures for Important Account Information and Limits and fees.
Rates are subject to change after account opening.
No Bounce Advantage™ may permit you to overdraft your account by $300.00 including the overdraft fees. As long as you maintain your account in good standing (defined as making deposits and bringing your checking account to a positive balance at least once every 30 days), United Cumberland Bank may honor your overdrafts up to your $300.00 No Bounce Advantage™ limit. Up to this overdraft limit, the bank generally will pay the overdraft and charge the bank’s standard overdraft processing fee and up to four overdrafts a day. Please be aware that transactions may not be processed in the order in which they occur and this could affect the total number of overdraft fees. The bank will continue to notify you when an overdraft occurs. You will receive an overdraft notice in the mail that shows the check number, amount, and overdraft charge. Contact any customer service representative for more information.