Saw some of the negative reviews and it must reflect differences in branches. We live in Brevard, North Carolina and have banked at UCBI for over 25 years and have had nothing but superb service; courteous staff and Bank Officers often acting above and beyond what one might expect. When an officer noted that we were carrying a large amount in our checking account, she informed us about short term CDs. Obviously it would have been more profitable for them for us to leave a large amount in our checking account, but, as she explained, our first priority is to take care of our customers. That is good value by any measure. read more