Online Banking
  • Free electronic account
  • $2 fee for paper statements
  • No ATM fees for students
Eagle Checking
  • $500 minimum balance to avoid a $4 monthly fee
  • 1 free box of checks per year
  • Free for customers age 55+
Eagle Plus Checking

Checking that protects your balance with plenty of perks:

  • Cashback on every purchase (up to $10 per quarter) *
  • Up to $10,000 in accidental death and dismemberment insurance
  • Up to $10,000 identity fraud expense reimbursement coverage
  • Cell phone protection (up to 3 phones)
  • Credit file monitoring
  • 3-in-1 credit report
  • Credit score
  • Prescription drug discount plan
  • Free Eagle Plus checks
  • $5 monthly service charge
Eagle Premium Checking
  • Interest-bearing account
  • $500 minimum balance to avoid a $5 monthly service fee
  • Imaged monthly statement
Premier Money Market
  • Interest-bearing account
  • $5,000 minimum balance to avoid a $10 monthly service fee


*All personal checking accounts include free electronic banking, bill pay, mobile deposit, and debit card.
Vision Savings
  • Interest-bearing account
  • $50 minimum balance to avoid a $6 quarterly fee
  • 5th Graders earn $ for A’s
Christmas Club
  • Interest-bearing account
  • Funds released in October
  • $10 fee for early withdrawal
Vacation Club
  • Interest-bearing account
  • Funds released in April
  • $10 fee for early withdrawal
Health Savings Account (HSA)
  • Interest-bearing account.
  • *Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan can qualify for an HSA, but it is up to the account holders to determine their own eligibility.
  • Please contact your tax advisor for further eligibility requirements.
Certificates of Deposit (CDs)
  • Interest-bearing account
  • A wide range of terms is available
  • Early withdrawal is subject to a penalty
  • Automatically renews upon maturity after a 10-day grace period
  • $500 minimum deposit to open
Individual Retirement Accounts
  • Interest-bearing account
  • Traditional and Roth IRA Options
  • A wide range of terms available
  • $500 minimum deposit to open
  • $5,500 contribution limit per year with an additional $1,000 “catch-up” contribution allowed for ages 50+
Personal Loans
  • Competitive rates for a wide variety of personal needs
  • Repayment terms customized to fit your budget
Auto Loans
  • Competitive rates on new or used vehicles
  • Repayment terms are customized to fit your budget
Home Mortgage Loans
  • Competitive rates
  • Repayment terms customized to fit your budget
  • A wide range of financing programs available
Home Equity Loans
  • Competitive rates
  • Repayment terms customized to fit your budget
  • Funds available any time without reapplying; apply once – then use repeatedly thereafter
  • Revolving credit
Credit Cards
  • Competitive rates for everyday purchases.
  • No annual fee.
  • Earn points.
  • Fraud monitoring and zero fraud liability.

Apply Now

Electronic Banking
  • E-statements
  • Transfer Money Between Accounts
  • Make Loan Payments
  • Pay Bills
  • Deposit Checks
  • Receive Alerts
  • Turn Your Debit Card On and Off
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No Fee ATMs

Find an ATM in our online network to make surcharge-free withdrawals

AphaLink Alliance Map

Overdraft Protection

Swipe and Save

  • Save money automatically with every debit card purchase.
  • Each purchase is rounded up to the nearest whole dollar amount.
  • Excess amount is transferred from your checking account to your savings account.
  • The “rounded up” amount from purchases that post to your checking account each business day are aggregated into one transfer at the end of each business day.
  • If on any business day you do not have sufficient available funds in your checking account, or if the transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the Swipe and Save transfer for that day.
  • If a debit card purchase is subsequently cancelled or reversed, the corresponding Swipe and Save transfer will remain in the savings account.
  • Swipe and Save is available only on a Debit Card linked to your United Community Bank’s checking account.
  • We may cancel the Swipe and Save service at any time.

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 yourself and your family.  We can assist you in setting up your trust, and we can be your trustee if ever we are needed.


Trust Services

Estate Planning

Planning your estate can be complex.  Why not let us put our experience and know-how in the area of estate planning and administration to work for your benefit — and that of your family.


A UCB conservatorship can give families peace of mind in knowing that a child or grandchild’s assets are being professionally managed in their best interest.

Standby Trust

A standby trust is a proven way to ensure that at least one significant part of your future – your financial security – will be well taken care of.  You can use your trust to avoid many possible difficulties for yourself and your family.  We can assist you in setting up your trust, and we can be your trustee if ever we are needed.

Trust Under Will

How can you provide for the continuing management of your assets after death?  One answer is a trust under will.  A trust under will (also known as a testamentary trust) is an arrangement you create in your will.  Under this arrangement, you direct your trustee to hold and manage certain assets after your death for the benefit of your family or other beneficiaries.  Your trustee distributes trust income and principal at the times and in the manner you have set forth in your will.

Agent for Executor

You’ve been named executor of a deceased person’s estate, perhaps a close friend or relative.  You are now faced with the huge responsibility that accompanies the job of managing another person’s estate.  Consider using our services as agent for executor.

Investment Services

We have the professional skills and experience to serve your financial needs and your family’s.

Farm Management

UCB has access to professional farm management in all areas, including crop and livestock marketing, lease negotiations, managing of funds, and all record keeping for tax purposes.

The Revocable Living Trust

A revocable living trust can be your flexible problem solver – providing continuing investment management, protection for your financial affairs if you become disabled, simplified management for your estate, and more.  You always have overall control because of your continuing option to make any changes you need.  And you can rely on our skill and experience as trustee.

The Family Partner Trust Account from United Community Bank

If you have a parent or grandparent incapacitated or in a nursing home or an assisted living facility, United Community Bank Trust Department offers a flexible, problem solving service that can provide:

  • Financial peace of mind for your loved ones
  • Continuous monitoring to ensure assets are properly invested…within YOUR risk parameters
  • Timely collection of interest and dividends
  • Bills paid on time
  • Safeguarding of your assets
  • Arranging for tax return preparation
  • Full disclosure to any or all family members you choose
  • Relief to family members responsible for managing your financial affairs
  • Free estate planning consultation



Executive Vice President, United Community Bank


  • Graduate of Brescia University, Owensboro
  • Graduate School of Banking of the South, LSU
  • CPA
  • CTP (Certified Treasury Professional)
  • Cannon Trust School
  • 25 years in banking