Welcome

Welcome to United Community Bank. United Community Bank is dedicated to providing customers with the friendliest, easiest and most convenient banking experience possible. Because we're locally owned, we're able to make faster decisions and provide customers with a quicker turnaround. United Community Bank is a community state bank which was chartered in 1907 and is owned by Oakwood Bancorp Inc. Our two branches located in Oakwood and Danville provide the strength and reliability individuals and businesses find essential in a banking partner. We also offer Telephone Banking, Certificate of Deposits, IRA, Christmas Clubs, Safety Deposit Boxes, and Savings Bonds.

The standard maximum deposit insurance amount (SMDIA) is $250,000.00 per depositor. This was made permanent on July 21, 2010. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category. Please check with a bank representative or click below to calculate your deposit insurance.


All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depositary institution pays no interest. IOLTA accounts are included in this group. It does not include other accounts, such as traditional checking or demand deposits that earn interest such as NOW accounts or money market deposit accounts.

Click here to go to the FDIC website to calculate your deposit insurance.