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Savings Accounts


Money in the bank can mean peace of mind.

What are you looking forward to in life? Everyone has a different answer. But whatever your ideas, your plans or your dreams, there is likely to be some cost involved.  At United Bank, we can help you grow your money with a choice of secure, interest-earning accounts that move you closer to your goals.






















Regular Savings Account

This can be your "rainy-day fund." Or it can hold cash that you're setting aside for something exciting. At United Bank, your savings journey offers unlimited potential.
  • Open with $50 minimum deposit
  • Avoid service charge with minimum balance of $100 ($3 for each quarter otherwise)
  • Competitive interest earnings
  • Up to three free withdrawals permitted for each quarter ($2 charge for each additional withdrawal)

Minor Savings Account

Teach your child that it can be as rewarding to save money as it is to spend it. This account is the perfect place for birthday cash, allowance money, and pay from part-time jobs.
  • No minimum balance
  • No minimum opening deposit
  • Competitive interest earnings 
  • Up to three withdrawals permitted for each quarter ($2 charge for each additional withdrawal)
  • Adult custodian required to make withdrawals

The RESERVE Account

This partner account to Gold Checking offers maximum financial flexibility by allowing you to easily move funds in and out of a savings account that features enhanced earning potential.
  • Only $50 minimum deposit to open
  • Up to six withdrawals permitted per statement cycle ($10 fee for each additional withdrawal)
  • Withdrawals are only allowed as a transfer into the Gold Checking account.
  • Tiered interest structure means that bigger balances can earn interest at higher rates

Christmas Club Savings

The winter holidays are a time of joy. They also can be a time of higher expenses with gifts, festivities, and travel. By saving year-round, you'll have plenty of money to make the season merrier than ever.
  • No minimum balance required
  • Only $50 minimum deposit to open
  • Competitive interest earnings
  • Account balance issued as a direct deposit in mid-November in plenty of time for shopping and planning ($5 penalty for early withdrawal and account closure)

Certificates of Deposit

Good things are worth the wait. With United Bank CDs, you benefit from higher savings rates by committing funds for a certain time period.
  • $500 minimum deposit
  • CD terms from seven days to five years
    In general, the longer the term the higher the interest earnings
  • Secure investment with deposits insured by FDIC (up to established limits)
  • Early withdrawal may result in loss of interest income

Health Savings Account

With the high cost of healthcare, medical bills can add up fast. Health Savings Accounts allow families and individuals with high-deductible health plans to set aside funds for a wide range of treatment.
  • Contribute up to $4,150 annually for individual coverage and $8,300 for family coverage (Individuals over 55 can contribute an additional $1,000)
  • Funds can cover doctor and dental bills, hospitalization, vision care, prescription medication, mental health treatment, and other medical-related costs 
  • No minimum balance requirements
    Easily access funds with debit card
    Enjoy tax advantages as interest grows tax-free and withdrawals are tax-free
  • Only $2 monthly charge
  • Opt-in for e-statements, and waive the $3 paper statement fee
  • Funds left over at the end of each year roll over and remain available






United Bank is a full-service financial institution serving customers in Middle Georgia.

Rates may change at any time without prior notice.