United Community Bank (SC) is headquartered in GREENVILLE and is the largest bank in the state of South Carolina. It is also the 79th largest bank in the nation. It was established in 1950 and as of December of 2023, it had grown to 3,085 employees at 206 locations. United Community Bank (SC)'s money market rates are 3X the national average, and it boasts an A+ health rating.
Customer Service
United Community Bank is the best bank in the area!!! This bank has the best customer service I have ever encountered! I would recommend anyone to this bank, I tell everyone I come in contact with that UCBI can serve them the best!
United Community Bank
This is a home town bank that knows its customers. Is it a huge bank? Nope? Does it have every modern convenience known to man? Nope Does it serve its customers? Yes it does.
This bank was able to see past the GLB act and the Community Reinvestment act. They stood their ground, when they could have participated with the others during the housing bubble and put their customers in harms way financially. I think that anyone considering a home town bank should give United Community a try. I think you will find them a good financial partner.
After Hours Assistance Needed? You're SOL!
Employees are friendly, can't fault them, but this bank is stuck in the dark ages. Good luck finding a branch open after 4. Better luck getting any help whatsoever after 5.
While trying to make a purchase, I found that apparently a hold was put on my bank card because they got overzealous in their fraud protection. I don't know for sure, because when I tried to call a support number I spent 20 minutes on hold, listening to advertisements of their services, which were interrupted every 10 seconds (!) by a recording urging me to stay on line because someone would be with me shortly. What do I get after that 20 minute wait? A few rings, then a new message telling me they were closed until tomorrow.
Closed. Tomorrow. I like the sound of that! Closing my account tomorrow!
Terrible Service After 23 Years
Been with them for 23 years. I have had NSF charges here and there. I got charged for 6 items. 225 dollars. Called the bank and was told oh well in so many words. Called corporate and they acted like they wanted to help. Nothing.
Data as of Q4 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 16889 |
| Year Established | 1950 |
| Employees | 3085 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.77% |
| Return on Equity - YTD | 6.67% |
| Annual Interest Income | $1.24B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2023vs Q4 2022 | $27.24B$23.95B |
| Loans | Q4 2023vs Q4 2022 | $18.14B$15.19B |
| Deposits | Q4 2023vs Q4 2022 | $23.74B$20.22B |
| Equity Capital | Q4 2023vs Q4 2022 | $3.15B$2.66B |
| Loan Loss Allowance | Q4 2023vs Q4 2022 | $208.1MM$159.4MM |
| Unbacked Noncurrent Loans | Q4 2023vs Q4 2022 | $88.9MM$43.7MM |
| Real Estate Owned | Q4 2023vs Q4 2022 | $2.1MM$2MM |
