Estate planning at United Community
How to protect 15 United Community accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Customer Service
Phone1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Private Wealth
Treasury Management
WebsiteLearn more→
Customer Service
Phone1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Private Wealth
Treasury Management
WebsiteLearn more→
Death Claims
Phone1-800-822-2651
Toll-Free1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Verified May 2026
United Community has 15 accounts, each with different rules for what happens when the account holder dies. Of those, 13 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
United Community handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
United Community provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at United Community.
View details →When someone dies
Death claim process
4-step process, 8 required documents, and contact information for survivors.
View details →United Community operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. United Community Bank is FDIC insured. POD beneficiaries qualify for separate FDIC insurance coverage of up to $250,000 per beneficiary per depositor. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries, up to the maximum allowed by law.
Yes. United Community's Private Wealth division offers fiduciary services including serving as trustee or co-trustee, trust administration, and estate settlement. Trust officers develop relationships with beneficiaries and work with portfolio managers to grow trust assets. The bank can also be named as a personal representative to settle estates. Contact Private Wealth at 1-844-931-9584 or visit https://www.ucbi.com/private-wealth for details.
No. IRAs at United Community Bank cannot be retitled to a trust. However, you can name a trust as the beneficiary of your IRA by completing an IRA beneficiary designation form at a banking center. Deposit accounts such as checking, savings, money market, and CDs can be retitled to a revocable living trust.
Sources
Data sourced from United Community primary sources (13 pages reviewed). How we research.
Customer Service
Phone1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Private Wealth
Treasury Management
WebsiteLearn more→
Customer Service
Phone1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Private Wealth
Treasury Management
WebsiteLearn more→
Death Claims
Phone1-800-822-2651
Toll-Free1-800-822-2651
Mailing Address
United Community Bank, 200 East Camperdown Way, Greenville, SC 29601
Verified May 2026
Estate planning articles
Learn how to protect your United Community accounts and other assets with trusts, beneficiary designations, and estate planning documents.
