Online Banking
Business Checking
Business Checking
  • $500 minimum balance to avoid the $5 monthly fee
  • No transaction fees unless more than 300 items are deposited; if more than 300 items are deposited, then there is a 15₵ fee for all transactions.
Business Interest Checking
  • Interest-bearing account
  • $1,500 minimum balance to avoid $15 monthly fee
  • Unlimited monthly transactions
Business Prime Checking
  • Interest-bearing account
  • $1,000 minimum balance to avoid $5 monthly fee
  • Analysis above 200 transactions
  • 25% discount on checks and deposit tickets
Non-Profit Business Checking
  • No minimum balance
  • Unlimited monthly transactions
  • No monthly fee
Premier Business Money Market
  • Interest-bearing account
  • $5,000 minimum balance to avoid $10 monthly fee


*All business checking accounts include free electronic banking, bill pay, mobile deposit, and debit card.
Business Loans
Commercial Real Estate Loans
  • Competitive rates for the purchase, refinance, or construction of commercial properties.
  • Repayment terms customized to fit your business’s budget.
Business Term Loans
  • Competitive rates for a wide range of business expenses
  • Repayment terms customized to fit your business’s budget
Equipment Loans
  • Competitive rates for new or used equipment
  • Repayment terms customized to fit your business’s budget
Agriculture Loans
  • Competitive rates for a wide range of agribusiness-related needs
  • Repayment terms customized to fit your operation’s unique needs
Business Credit Cards
  • VISA Company Rewards Charge Card and VISA Small Business Credit Card available.
  • Competitive rates for everyday business expenses.
  • No annual fee.
  • Employee cards at no additional cost.
  • Fraud monitoring and zero fraud liability.

Apply Now

Business Electronic Banking
Cash Management
  • Enjoy 24/7 control over company finances
  • Full suite of administrative functions, including:
    • User maintenance
    • Activity reporting
    • Balance alerts
    • Account maintenance
    • Password modification
    • Inactivity time out
  • Balance reporting provides at-a-glance summaries with the ability to view additional details of specific accounts
  • Book transfers allow you to move funds between UCB accounts; schedule same-day, future, or recurring transfers
  • Create EFTPS files and submit them to UCB anytime
  • Streamline recordkeeping to save time and reduce accounting errors
ACH Services
  • Make and receive vendor payments 24/7, electronically
  • Ideal for businesses with a high volume of recurring receivables, including:
    • Monthly dues
    • Payments
    • Premiums
  • Bill customers directly for an expedited process
  • More efficient and accurate processing
  • Directly deposit employee payroll
Remote Deposit Capture
  • Deposit checks from the convenience of your office
  • Uses a desk scanner and internet access
Merchant Card Services
  • Available to UCB business customers
  • Provide additional payment options for your customers
  • Accept major credit and debit cards for increased versatility
  • Boost your bottom line by making it easier for people to pay you
  • Reduce processing time and human error
  • Reduce billing expenses
  • Equipment is easy to use and set up
  • Streamline billing and record-keeping
Sweep Account Services
  • Available to business customers with a UCB business checking account
  • Keep your money working for you, automatically
  • Maintain target balances while maximizing interest earnings
  • Variable rate of interest, credit and compounded daily on the collected balance
  • Receive benefits where you need them the most:
    • Designate a target checking balance
    • Excess funds are automatically swept into an interest-bearing sweep account
    • Principal is automatically transferred back into your checking account the next day
    • Funds are swept back over to your checking should you fall short of your balance
  • No per transfer fees
  • Monthly service fee will be determined by account analysis
Other Business Electronic Services
  • E-statements
  • Transfer Money Between Accounts
  • Make Loan Payments
  • Pay Bills
  • Deposit Checks
  • Receive Alerts
  • Print or download to popular financial management software like Quickbooks.
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Enroll Now

Business Services
Wiring Instructions

United Community Bank

Incoming Wire Instructions

Independent Correspondent Bankers’ Bank, Inc.
Routing Number: 0839-01896
107 Progress Drive
Frankfort, KY 40601
Phone: 800.248.3229

United Community Bank of West Kentucky
Account Number with Independent Correspondent Bankers’ Bank, Inc.: 20-402-8
500 N Morgan
Morganfield, KY 42437
Phone: 270.389.3232

Account Name:___________________________________
Physical Address: __________________________________
Phone Number: ____________________________________
Account Number: ___________________________________

  • Safe Deposit Boxes – Available in a wide variety of sizes.
  • Reorder Checks
Financial Planning
  • Trust – Let us put our experience to work for you. You can use a Trust Account to avoid many possible difficulties for your business and your family.  We can assist you in setting up your trust, and we can be your trustee if ever we are needed.