I love this bank. Before opening an account here I had an account with another local bank that charged me for everything. At United Community Bank your checking account is free, there are no fees for the number of transactions, they have a $500 over the limit amount that keeps you from bouncing a check. Though you do have to pay $30 if you go over what is in your account, which makes sense. The staff is also very friendly and calls you by name. I wouldn't have an account anywhere else.