United Community Bank, formed in 1999, as a result of a merger between Perpetual Federal Savings and Loan and Progressive Federal Savings Bank. The bank holds assets of over $250 million. The financial entity offers various types of commercial lending options, such as real estate, unsecured, lines of credit, secured non-real estate and secured stock loans. In addition, the bank offers telephone and online banking, direct deposits, automatic transfers, credit cards, ATM access, night depositories, traveler s checks, etc. United Community Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. The bank caters to its customers securities and investment advisory services through Lincoln Financial Advisors Corp.