United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides retail and corporate banking services. Its deposit product line includes interest-bearing and non interest bearing deposits, NOW accounts, money market accounts, checking accounts, savings deposits, time deposits, and brokered deposits. The company’s loan portfolio comprises commercial and industrial loans, commercial loans secured by real estate, commercial construction loans, residential construction loans, residential mortgage, and consumer installment loans. It also offers wire transfers, brokerage services, and other financial services. In addition, the company provides consulting, advisory, and implementation services in the areas of strategic planning, profitability improvement, technology, efficiency, security, risk management, network, Internet banking, marketing, core processing, telecommunications, and regulatory compliance assistance. Further, it offers insurance brokerage services, as well as retail brokerage services through an affiliation with a third party broker/dealer. As of December 31, 2009, United Community Bank operated at 107 locations in north Georgia, the Atlanta, Georgia MSA, the Gainesville, Georgia MSA, coastal Georgia, western North Carolina, and east Tennessee. The company was founded in 1950 and is based in Blairsville, Georgia.