Piedmont 1st Credit Union logo

Piedmont 1st Credit Union in Atlanta, GA

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United Bank is a full-service financial institution founded in 1839 offering personal and commercial banking, investments, and brokerage services with a focus on fee-free checking and community banking.

Data compiled from public sources

Piedmont 1st Credit Union Review

United Bank was established on St. Patrick's Day in 1839 and has operated for 187 years as a traditional financial institution. The company has built its reputation on what it describes as 'safe, sound, and secure banking' with deep community roots.

United Bankshares, Inc. is the parent holding company, with United Brokerage Services, Inc. operating as a registered broker-dealer subsidiary.

The organization operates both retail banking locations and digital platforms for customer access. United Bank offers a comprehensive suite of financial products including personal checking and savings accounts, credit cards, personal and home loans, commercial banking services, wealth management, and brokerage services. Their flagship product is the United Free Checking account, which requires only $50 to open and carries no maintenance fees or minimum balance requirements.

The bank also provides financial education content covering topics like pet ownership costs, AI-assisted savings strategies, retirement planning, and fraud prevention. The company distinguishes itself through its emphasis on fee-free banking and long-standing institutional history. They offer 24/7 technical support for online banking and debit card services, with customer care available Monday-Friday 8am-6pm and Saturday 9am-5pm.

The bank maintains physical branch locations in addition to digital banking channels, serving both individual consumers and commercial clients. Their parent company's brokerage subsidiary provides investment products separate from traditional bank deposit services. A critical limitation is that this company profile appears to have significant data quality issues.

This fundamental discrepancy means the profile cannot be accurately verified against the actual Piedmont 1st Credit Union without access to correct company information.

Services & Features

Brokerage services (through United Brokerage Services subsidiary)
Commercial banking and business services
Credit cards (personal and commercial varieties)
Debit card services with 24/7 customer support
Financial education resources and planning tools
Home loans and mortgage products (purchase and refinance)
Mobile and digital banking access
Personal loans (flexible terms advertised as 'to fit your needs')
Savings accounts with interest-earning capability
United Free Checking (no-fee, no-minimum checking account)
Wealth management services
eBanking online platform with 24/7 access

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • United Free Checking account requires only $50 to open with no maintenance fees or minimum balance requirements
  • 24/7 technical support for online banking and eBanking platform
  • 24/7 availability for lost or stolen debit card reporting (800.724.3259)
  • Established institution with 187 years of operational history since 1839
  • Comprehensive product suite including checking, savings, loans, credit cards, investments, and wealth management
  • FDIC insurance protection clearly advertised on banking platforms
  • Extended customer care hours including Saturday service (9am-5pm)

Cons

  • Investment products through brokerage subsidiary are NOT FDIC insured and may lose value
  • Online enrollment portal appears to have technical issues (one tested URL returned error message)
  • Critical data inconsistency: company listed as 'Piedmont 1st Credit Union' but website shows 'United Bank' branding
  • Limited transparency on specific loan terms, interest rates, and credit card APRs from website content
  • Brokerage services explicitly disclaim FDIC protection and bank stated terms for non-CD investments

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Atlanta, GA. It does not confirm that Piedmont 1st Credit Union or this specific location is licensed.

State regulator

Georgia Department of Banking and Finance

Key state rules to check

  • Payday lending is banned; Georgia repealed the industrial loan act that authorized small loans.
  • The Georgia Industrial Loan Act criminalizes payday-style lending as a felony racketeering offense.
  • Licensed installment lenders can charge tiered rates up to 60% for smallest loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Piedmont 1st Credit Union offer?

Piedmont 1st Credit Union offers 12 services including United Free Checking (no-fee, no-minimum checking account), Savings accounts with interest-earning capability, Personal loans (flexible terms advertised as 'to fit your needs'), Home loans and mortgage products (purchase and refinance), Credit cards (personal and commercial varieties), and 7 more.

What profile signals are listed for Piedmont 1st Credit Union?

Piedmont 1st Credit Union has profile signals associated with Consumers seeking fee-free checking with low account opening requirements, Small business owners needing commercial banking and business services, Customers preferring 24/7 online banking and technical support, Investors interested in comprehensive wealth management and brokerage services.

What are the strengths and weaknesses of Piedmont 1st Credit Union?

Key strengths: United Free Checking account requires only $50 to open with no maintenance fees or minimum balance requirements; 24/7 technical support for online banking and eBanking platform; 24/7 availability for lost or stolen debit card reporting (800.724.3259). Areas to consider: Investment products through brokerage subsidiary are NOT FDIC insured and may lose value; Online enrollment portal appears to have technical issues (one tested URL returned error message).

How does Piedmont 1st Credit Union compare to similar companies?

In the Credit Unions category, comparable providers include Delta Community Credit Union 24 Hours ATM, MembersFirst Credit Union, Security Service Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
694 Holmes St NW Unit A, Atlanta, GA 30318
BBB Accredited
No
Visit Piedmont 1st Credit Union

CreditDoc Profile Note

Research Note on Piedmont 1st Credit Union

This profile cannot be reliably completed due to a critical data mismatch: the company is identified as 'Piedmont 1st Credit Union' but all website content provided is from 'United Bank,' a completely different institution. Before publishing this profile on CreditDoc, verification is required to confirm whether Piedmont 1st Credit Union actually operates under United Bank branding, or if the source URLs are incorrect. This discrepancy must be resolved to ensure factual accuracy.

Profile Signals

  • Consumers seeking fee-free checking with low account opening requirements
  • Small business owners needing commercial banking and business services
  • Customers preferring 24/7 online banking and technical support
  • Investors interested in comprehensive wealth management and brokerage services
Updated 2026-05-08

Similar Companies

Delta Community Credit Union 24 Hours ATM logo

Delta Community Credit Union 24 Hours ATM

Delta Community Credit Union operates multiple branches and ATMs throughout Georgia, offering comprehensive banking services including checking, savings, loans, and investment products to members.

BBB: NR

Profile signals: Delta Air Lines employees and their families seeking integrated banking and investment services, Georgia residents in Metro Atlanta and surrounding areas wanting full-service credit union banking with in-person branch access

MembersFirst Credit Union logo

MembersFirst Credit Union

MembersFirst Credit Union is a Georgia-based credit union offering checking, savings, loans, mortgages, and credit cards to members. They provide rate claims to verify and financial counseling services.

BBB: NR

Profile signals: Georgia residents eligible for credit union membership seeking competitive auto refinancing with rate reductions, Families wanting youth-focused banking education and accounts for children and teens

Security Service Federal Credit Union logo

Security Service Federal Credit Union

Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.

3.5/5

Google rating from 1,765 reviews

BBB: A+

Profile signals: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates

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Quick Summary

  • Piedmont 1st Credit Union is listed as a Credit Unions provider in Atlanta, GA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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