Compare Commonwealth Checking Accounts

Compare our checking accounts to help you choose which one best fits your lifestyle. Enjoy the following features included with all of our Commonwealth Checking account options:

  • Digital Banking: Online & Mobile2
  • Beacon Real Time Account Alerts2
  • UCB Card Controls2
  • Direct Deposit
  • Online Bill Pay & Zelle®
  • E-Statements1
  • Telephone Banking
  • Mobile Wallet2
  • 24/7 ATM Access3
  Guardian Checking

Make Appointment

Freedom Checking

Open Account

University Checking

Open Account

Patriot's Checking

Open Account

Founder's Checking

Open Account

Minimum Opening Deposit $100.00 $100.00 $1.00 $1,000.00 $25,000.00
Minimum Required Balance N/A None None $1,000.00 $25,000.00
Interest Bearing
Monthly Service Fee $4.954 None1 None $10.00 (Only if required balance falls below $1,000.00 any day of the statement cycle)1 $25.00 (Only if required balance falls below $25,000.00 any day of the statement cycle)1
Interest Tiers N/A N/A N/A $0 - $999
$1,000 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 - $249,999
Account Benefits INCLUDES: Guardian Checking Package4 OPTIONS: Add Rewards Package5 and/or Team 50 Package6 OPTIONS: Add Rewards Package5 OPTIONS: Add Rewards Package5 and/or Team 50 Package6 INCLUDES: Exclusive Founder's Checking Benefits 7
  OPTIONS: Add Rewards Package5 and/or Team 50 Package6        
Have you experienced issues managing overdrafts in the past? If so, learn more about our Balance Checking.

Guardian Checking Package4 

Rest easy knowing that IDProtect®, our identity theft monitoring and resolution service, can help better protect you and your family’s identities. Get all this and more with IDProtect:

  • Credit File Monitoring - Daily credit file monitoring and automated alerts of key changes to your credit reports.
  • Credit Report & Score - Access to credit report and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
  • Comprehensive Identity Theft Resolution Services - Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
  • Identity Theft Expense Reimbursement Coverage - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

4 Please refer to the applicable footnote (4) listed in the section below.


Rewards Package5 | Add to Any NEW Eligible Account!

Sign up for a no annual fee Everyday Points Debit Card to get started. Eligible new accounts can earn bonus points and receive a $50 gift card, simply enroll in and use the following FREE services:

  • Direct Deposit
  • E-Statements
  • Digital Banking
  • Online Bill Pay
  • Everyday Points Activation

Earn 5500 points for opening your account with an Everyday Points Rewards Debit Card & card activation.
Earn 500 points by activating your Everyday Points Rewards in Digital Banking.
Earn 1 point for every $2.00 you spend when you choose "credit", or sign for your purchases, or select "Visa Debit" if provided a choice of networks.
Every 6,000 points earned can be redeemed for a $50 gift card.

5 Please refer to the applicable footnote (5) listed in the section below.


Team 50 Package6 | Add to Any Eligible Account!

Team 50 Checking benefits are designed especially for our customers age 50 and better.  Team 50 Benefits include FREE:

  • Team 50 Style Checks
  • Cashier's Checks
  • Notary Service
  • Fax Service & Limited Photocopies
  • Paper Statements

6 Please refer to the applicable footnote (6) listed in the section below.


Founders Checking| Exclusive Benefits

Founder's Checking from United Commonwealth is designed especially for our customers that carry higher balances and includes the following exclusive benefits:

  • Free "Founder's" Style Checks
  • Exclusive Indigo Everyday Points Debit Card Edition
  • Increased Daily Limits Available on ATM Cash Withdrawals and Debit Card Purchases
  • Free Personal Safe Deposit Box (3x5) or $25 Annual Discount on Larger Box
  • Relationship Discounts on Select New Loans*
  • Free Paper Statements, Incoming Wires, and Cashier's Checks
  • Free Notary Service, Photocopies, and Fax Service 
  • Foreign ATM Fees Waived†

*All loans are subject to underwriting and credit approval. Programs, rates, terms, and conditions are subject to change without notice. Any loan interest
rate or fee discounts require a qualifying United Commonwealth Founder’s Checking account. Interest rate discounts require automatic monthly payments
deducted from a United Commonwealth consumer deposit account. Talk with your lender for complete details. 
† Fees may be assessed by ATM machines not owned by United Community Banks.

7 Please refer to the applicable footnote (7) listed in the section below.


E-Statements provided monthly at no charge. Option to receive paper statement production and delivery is $2.95 per month. This fee does not apply to Guardian, University, and Founder's Checking accounts or accounts with the Team 50 Package.

2 Your cellular provider’s data and text messaging rates may apply.

3 Fees may be assessed by ATM machines not owned by United Community Banks. 

4 GUARDIAN CHECKING: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Guardian Checking Benefits require authentication, registration and/or activation. The $4.95 monthly fee is charged regardless of the separate registration/activation actions required to receive select benefits. To register/activate each of your eligible benefits, visit or call 866-210-0361. Cellular telephone bill must be paid through this account. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Some discounts are available online only. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

EVERYDAY POINTS REWARDS PACKAGE: Offer is valid for NEW Checking Accounts only. Upon activation of required products and services, you will receive bonus points redeemable for a $50 gift card. The rewards points may be reported to the IRS as interest income. An active debit card is required to earn points. E-Statement use is required to redeem points. Points are earned on qualifying signature-based transactions and are dependent upon merchant discretion. Time frame for points to be credited to point bank may vary. For more information
about the Everyday Points rewards program, please visit United Commonwealth Bank or​​​​​​​

6 TEAM 50 BENEFITS PACKAGE: Designed especially for our customers age 50 and better, Team 50 benefits includes FREE: Team 50 style checks, cashier's checks, notary service, fax service, limited photocopies, and paper statements. ​​​​​​​

7 FOUNDERS CHECKING BENEFITS PACKAGE: See a banker for complete program details. ​​​​​​​