United Community Bank:
Providing Safe and Secure Banking for 58 Years.

United Community Bank prides itself in its safety and stability, having been in business more than 58 years. During that time, the bank has steadily grown from $40 million to more than $8 billion in assets. United Community Bank’s capital – which serves as a buffer against any losses – is currently at $870 million, and the bank has the strongest loan loss reserve in its history.

UCBI has 27 individual banks, and 109 location in Georgia, Western North Carolina and East Tennessee, each led by experienced bankers who not only have extensive banking knowledge, but a familiarity with – and history in – their communities.

One important thing to remember is that United Community Bank is FDIC insured. This means that all the money you have in a checking or savings account - UP TO $250,000 per individual or $250,000 for IRAs - are insured by the U.S. Government. We also have ways to provide you with FDIC insurance well beyond these amounts. United Community Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDICs general deposit insurance rules.

Also, with CDARS® (Certificate of Deposit Account Registry Service) United Community Bank can extend FDIC coverage to as much as $50 million.

One primary reason for United’s stability and growth is the loyalty of its customers. Why do our customers continue to be among the most loyal in banking? Simple: the best customer service in the banking industry. This is evidenced by our highest-ever customer satisfaction performance (95.32%) in November 2007, and our second best performance ever (94.44%) in March 2008*.

Because of this, we not only have a high rate of customer retention, we also are successful in attracting new customers.

Stop by your local United Community Bank office for more information on FDIC insurance, CDARS® and United Community Bank safety and stability.

United Community Bank – a sound financial institution built on a foundation of service and customer satisfaction. We are, after all, ‘The Bank That SERVICE Built.’

*According to data compiled by Customer Service Profiles

Frequently Asked Questions Regarding Changes to FDIC Coverage