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Savings

 

FREE KASASA SAVER®

Make saving effortless with this free account that does the work for you. When you earn rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Plus, Kasasa Saver pays up to 0.75% APY!*

Featuring:

  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.75% APY* on balances up to $25,000
  • 0.75% to 0.35% APY on balances over $25,000 depending on balance in account*
  • 0.03% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking
  • Free e-statements
  • Free mobile banking
  • Free telephone banking
  • $50 minimum deposit to open

Earning your rewards is easy:

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $25,000.00 receive APY of .75%; and balances over $25,000.00 earn .35% interest rate on the portion of balance over $25,000.00, resulting in a range from .35% to .75% APY depending on the account’s balance. Kasasa Cash Back: 3.0% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn .03% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 03/13/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. A Kasasa Cash or Kasasa Cash Bank account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are recurring monthly maintenance charges or fees to open or close this account. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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UC VISION

What is your vision for the future? At United Community Bank we have a plan to help you get there.

Start saving today and we will give you:

  • Tiered Interest Rates to give you more return on your money
  • Overdraft Protection for your checking account through Free Automatic Transfers as needed
  • Free ATM Card
  • Direct Deposit Capabilities
  • Low Minimum Balance
  • Free Account Access by phone with UC Time-Saver or online with EagleNet
  • Free to persons under age 18 or over age 55

 

Balance Requirements $25.00 to open
$300.00 Minimum Balance
Interest *Tiered Rates
Transaction Fees 9 Withdrawals per Quarter
$1.00 each after 9
Quarterly Service Fee $6.00
Waived if Minimum Balance Maintained
Under Age 18
Age 55 or Over

 

*Interest Tiers
.01 – 4,999.99
5,000.00 – 9,999.99
10,000.00 – 24,999.99
25,000.00 – 49,999.99
50,000.00 +

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UC EXCELLENCE MONEY MARKET

An excellent way to earn a higher rate of interest and have limited check writing privileges.

  • Tiered Interest Rates to give you a higher return on higher balances
  • Check writing per MMDA regulations
  • Free ATM Card
  • Direct Deposit Capabilities
  • Free Account Access by phone with UC Time-Saver or online with EagleNet
  • Imaged Statement

 

Balance Requirements $2,500.00 to open
$2,500.00 Minimum Balance
Interest  *Tiered Rates
Monthly Service Fee $10.00 Transaction Fees None
Waived if Minimum Balance Maintained Statement  Imaged

 

*Interest Tiers
2,500.00 – 9,999.99
10,000.00 – 24,999.99
25,000.00 – 49,999.99
50,000.00 – 99,999.99
100,000.00 +

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UC CHRISTMAS CLUB

  • Interest On All Balances
  • Check for Balance plus Interest will be mailed in October
  • Automatic Transfer from your United Community Bank checking account

 

Balance Requirements $5.00 to open
Interest On All Balances
Monthly Service Fee None
Transaction Fees $10.00 for each early withdrawal

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UC VACATION CLUB

  • Interest On All Balances
  • Check for Balance plus Interest will be mailed in April
  • Automatic Transfer from your United Community Bank checking account

 

Balance Requirements $5.00 to open
Interest On All Balances
Monthly Service Fee None
Transaction Fees $10.00 for each early withdrawal

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HONORS SAVINGS

ATTENTION ALL 5TH GRADE STUDENTS! HONORS SAVINGS ACCOUNT AT UNITED COMUNITY BANK

Bring your report card to one of our locations in Clay, Sturgis or Morganfield, and we will put $1.00 for every A earned into our Honors Savings Account for you.

After the first grading period, bring your report card, your social security card and your mom, dad, grandparent or guardian with you to UCB to open your Honors Savings Account and make your first deposit.

Each grading period after that, show us your report card and we will deposit $1.00 for each A into your account.

WE LOOK FORWARD TO SEEING YOU!

At United Community Bank we encourage and support hard work and high achievement.
Be the BEST that you can be!

If you have any questions or need additional information, please call:

Clay: (270) 664-0032
Sturgis: (270) 333-3232
Morganfield: (270) 389-3232

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