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 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 $500.00 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 $500.00 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.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government