Piedmont 1st Credit Union logo

Piedmont 1st Credit Union in Atlanta, GA

4.0/5

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 · Rating from CreditDoc methodology

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 guarantees for non-CD investments

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.9
Transparency
3.5
Ease of Use
4.2

Frequently Asked Questions

Is Piedmont 1st Credit Union legitimate?

Yes. Piedmont 1st Credit Union is a registered company, headquartered in 694 Holmes St NW Unit A, Atlanta, GA 30318.

Quick Facts

Headquarters
694 Holmes St NW Unit A, Atlanta, GA 30318
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Piedmont 1st Credit Union

CreditDoc Diagnosis

Doctor's Verdict 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.

Best For

  • 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 2026-04-29

More Credit Unions

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Piedmont 1st Credit Union and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.