United Community Banks offers a range of financial products and services. It is one of the largest bank holding companies in Georgia. The company operates more than 105 banking offices throughout northern Georgia, western North Carolina and eastern Tennessee. United Community Banks provides a variety of checking, savings and individual retirement accounts, as well as certificates of deposit. The company also offers personal, commercial, home equity and mortgage loans. It provides payroll, merchant, cash management, and online and telephone banking services. In addition, United Community Banks offers money market and health savings accounts. It operates a division, United Community Mortgage Services. The company is a member of the Federal Deposit Insurance Corporation.