19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 26, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 26, 2026
Call-report figures are for United Community Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Community Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $6.5M in Q2 2026, 4.8% above the same quarter a year earlier ($6.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
United Checking for Students $5 · United Essential Banking $5 · United Checking $8 · United Signature Checking $25
Compared at $8, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.9% from Q3 2025 to Q2 2026, to $6.5M.
$6.5M
United Community BankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
United Community Bank · $29B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Community Bank(this institution) | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Axos Bank | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankUnited, National Association | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| WaFd Bank | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its eight prices, against a peer median of $14.50 among 16 publishing peers.
Its eight checking prices are $5, $5, $5, $8, $8, $25, $25 and $25.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for United Community Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $6.5M | +$445K | +7.3% |
| Q1 2026 | $6.1M | −$691K | −10.2% |
| Q4 2025 | $6.8M | +$122K | +1.8% |
| Q3 2025 | $6.7M | +$425K | +6.8% |
| Q2 2025 | $6.2M | +$341K | +5.8% |
| Q1 2025 | $5.9M | −$558K | −8.6% |
| Q4 2024 | $6.5M | −$105K | −1.6% |
| Q3 2024 | $6.6M | +$229K | +3.6% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from United Community Bank’s own schedules, with a source for each figure.
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per month · no monthly service charge if enrolled in eStatements or monthly Direct Deposits
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per item
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per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $25 | per month | None |
| Monthly service charge | $5 | per month | None |
| Monthly service charge | $25 | per month | None |
| Monthly service charge | $5 | per month | None |
| Monthly service charge (United Checking) | $8 | per month | no monthly service charge if enrolled in eStatements or monthly Direct Deposits |
| Monthly service charge (United Essential Banking) | $5 | per month | None |
| United Checking monthly service charge | $8 | per month | None |
| United Signature Checking monthly service charge | $25 | per month | None |
| Account Closure Within 90 Days of Opening | $20 | Not stated | None |
| Dormant Fee (until re-activation or escheatment) | $5 | per month | None |
| Paper statements (United Checking for Students) | $3 | per month | None |
| Paper statements (United Essential Banking) | $2 | per month | None |
Overdraft & NSF | |||
| Overdraft (per item) | $36 | per item | None |
| Returned Item NSF (per item) | No charge | per item | None |
| Overdraft Line of Credit Protection Transfer (per occurrence) | $7.50 | per item | None |
| Overdraft Protection Transfer from Deposit Account (per occurrence) | $7.50 | per item | None |
| Daily overdraft fee limit | $108 | per day | None |
| Overdraft daily fee limit | $108 | per day | None |
ATM & Card | |||
| ATM Transaction/Balance Inquiry Outside of United or Publix ® Presto! Network | $1 | Not stated | None |
| Non-network ATM transaction/balance inquiry fee | $1 | per transaction | None |
| Card Replacement | $5 | per item | None |
Check Services | |||
| Official Check | $10 | Not stated | None |
| Stop Payment (branch initiated) | $36 | Not stated | None |
| Stop Payment (Online Banking initiated) | $30 | Not stated | None |
| Check Cashing Fee (non-customers) (audience not stated, treated as personal) | 1%($5 minimum) | Not stated | None |
| Check Copy (per check) (maximum of $30.00) | $3 | per item | None |
Digital & Electronic | |||
| Bill Pay | No charge | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item | No charge | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $150 | Not stated | None |
| Safe Deposit Box 10 x 15 | $170 | Not stated | None |
| Safe Deposit Box 15 x 18 | $175 | Not stated | None |
| Safe Deposit Box 2 x 5 | $40 | per year | None |
| Safe Deposit Box 3 x 10 | $70 | Not stated | None |
| Safe Deposit Box 4 x 10 | $80 | Not stated | None |
| Safe Deposit Box 4 x 5 | $50 | Not stated | None |
| Safe Deposit Box 5 x 10 | $90 | Not stated | None |
| Safe Deposit Box 5 x 5 | $60 | Not stated | None |
| Safe Deposit Box 6 x 10 | $95 | Not stated | None |
| Safe Deposit Box 7 x 10 | $100 | Not stated | None |
| Levy or Garnishment | No charge | Not stated | None |
| Subpoena Research (hourly rate) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Verification of Deposit | $20 | Not stated | None |
Other Fees | |||
| Branch Photocopies (per page) | $1 | per item | None |
| Research Photocopies (per page) | $1 | per item | None |
| Statement Copy (maximum of $50.00) | $5 | Not stated | None |
| Subpoena Photocopies (per page) | $0.25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee change alerts
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