Just click on a question below to show the answer. If you're looking for a particular question, start typing in the box below and the list will auto update to show you the appropriate results.
Personal
Any business may sign up for Business Online Banking. We have three options that will meet any of your needs no matter what size your company may be. For more information on Business Online Banking, please contact our Corporate Services area at 866-270-6100
No. You must receive approval to receive an advance on a line of credit which cannot be given over the Internet.
Yes, there is an Export function in the Transactions Menu to allow exporting to these programs. We offer export/import capabilities for Quicken (QIF), Quicken 2003 or later (QFX), and MS Money (OFX) as well as Comma Separated Files (CSV).
Yes. You can access up to eighteen months of statements through the Documents button.
No, you can only transfer between your checking and savings accounts.
Yes, as long as the loan was set up in the same state (i.e. GA, TN, or NC) as your checking or savings account.
From the Transfer or Payment list, select the Delete button beside the transfer or payment you would like to cancel. This will remove the transaction. If you would like to add the transfer or payment back to the system, you will need to reenter the transaction.
You can stop a Bill Payment through the Payment Activity link if the View, Change, or Delete option is still available. If it is not, you should call us at 1-800-854-9359
within 24 hours after the payment has been submitted. If the payment was sent as a regular paper check you will have to contact your local bank to request a stop. You can find out how the payment is sent by clicking on the View link under payment activity. There will be a $35.00 charge per stop payment.
Please contact the bank office where you opened your account if you have additional accounts that you would like to access via Online Banking.
Checking accounts for up to 60 days
Savings accounts for up to 120 days
CDs for up to the life of the CD
IRAs for up to the life of the IRA
Loans for up to the life of the loan.
Your Access ID and Password will be assigned and mailed to you within 3 - 5 days. The Access ID and Password are mailed in separate envelopes and mailed one day apart for security purposes.
United Community Bank maintains rigorous security standards and procedures regarding unauthorized access to customer information. We issue a unique Access ID and Password that identify the customer when logging on to Online Banking. These are mailed separately to the customer. In relation to technology, United uses the Secure Socket Layer (SSL) for transferring data and the highest type of encryption 128bit. SSL is the technology used to make sure that users establish sessions only with secure Internet sites. It protects data with (1) authentication, which ensures that the customer is actually communicating with the bank and not someone impersonating the bank, (2) encryption, the scrambling of transferred data so that account information cannot be intercepted and read by a third party, and (3) data integrity, the verification that the information sent by the customer to the bank has not been altered during the transfer.
No. You must contact our Support department at (866) 270-7100
to change the checking account that your bills are paid from.
When you enroll using your primary account, you should see all accounts on which you are a signer and that are linked together. If you do not see all of your accounts, they may not be linked together. Contact the location where you opened your accounts and they will help you gain access to all of your accounts.
For us to help you in a timely manner, it is helpful for you to include certain information to verify your identity. You should always include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a phone call please include your phone number and the best time to call.
You should always include the name of the location where you opened your account, the name(s) on your account, your security answer and a preferred form of contact. If you would like to receive a phone call, please include your home or business number and the best time to call.
Only if the user is an owner or signer on that account.
You should verify there are no recurring payments set up that may automatically try to pay against this closed account. Please contact our Support department at (866) 270-7100
if you have any questions.
Please contact our Support department at (866) 270-7100
to be set up to pay bills from multiple checking accounts.
If you do not access the system at least once during a 6 month period your Online Banking account will be automatically deleted and re-enrollment will be required.
At any time, you may click on the Forgot Password link located on the login page and we will immediately email your password information to the email address you have listed under the Options button. During business hours you may also call our Support phone number, send us an e-mail, or click on the Forgot Password link. After you receive your current password information from us, you will be required to create a new password the next time you log in. For your protection, if your account is already "locked out" due to 3 invalid password attempts or an invalid answer to a challenge question, you will need to contact our Support department at (866) 270-7100
to receive your Password.
Online Banking and Bill Pay are free to all United customers.
If you perform an Express Transfer by 6:00 pm, that transfer will process in that day's business. A Regular Scheduled Transfer will be processed one day later.
The images will be available for current and previous month statements.
The following is an example of the numbers at the bottom of your check. You only need to enter the account number when enrolling for Business Online Banking.
Your security question and answer are used as a security procedure to prevent someone other than you from calling Support regarding your account. YOU define your security question and answer. An example of a security question would be What is my mother's maiden name? When calling Support for assistance with your account, you will be asked your security question and you will need to provide the correct answer to receive support. Be sure to set your security question and answer to something that no one else will know.
When entering the Access ID and Password you receive by mail, you will need to enter them exactly as they appear on the notice. The system is case sensitive, so be sure to enter any indicated capital letters.
When entering the Access ID and password provided to you, make sure you are entering them in the proper case. The system is case sensitive.
To view statements you are required to have Adobe Acrobat installed. If you have Adobe Acrobat installed and still cannot view your statement, try to reinstall Adobe Acrobat. To download the program, go to www.adobe.com. Select the option to download Adobe Reader.
To change your mailing address, you should contact a Customer Service Representative at your local bank office. To change your email address, you can click on the Options button and then click on Change Email Address.
The authentication image and phrase are extra protection for your accounts. If you do not see your personal image and phrase after you enter your Access ID, you are not on the authentic UCBI website and you should NOT enter your password.
When you enroll in Online Banking you will be prompted to choose three (3) challenge questions to answer. The system will also ask if you would like to register the computer you are using as a Personal computer or a Public computer. You will not be asked a challenge question when you use a computer that is registered as your Personal computer. If you use a computer that is registered as a Public computer, the system will ask you a challenge question. This is to prevent someone other than yourself from accessing your information. You should only register computers that you use regularly and which are not available for public use as Personal computers.
This is a security measure to prevent others from gaining access to your account. The information will be mailed to the address that is used for statements on the main account.
No. You will only be able to pay bills through a checking account.
Yes, you will be able to transfer money from your Home Equity loan to checking or savings as long as the loan was set up in the same state (i.e. GA, TN, or NC) as your checking or savings account.
Business
Click Enroll Now (http://www.ucbi.com/business/eservices/online-banking-landing.aspx) then choose the plan that best suits your needs and complete the form. When the form is submitted you will receive a phone call from our support team within 2 business days to supply the access information.
Your security question and answer is used as a security procedure to prevent someone calling Support on behalf of your account. You define your security question and answer. An example of a security question would be "What is your first pet's name?" When calling Support for maintenance on your account, you will be asked your security question and you will need to provide the correct answer to receive assistance. Be sure to set your security question and answer to something that no one else will know.
The following is an example of the numbers at the bottom of your check. You only need to enter the account number, highlighted in the area below when enrolling for Business Online Banking.
Our Basic Plan is free and allows one access ID and up to four accounts. The Premium Plan is $9.95 a month and allows up to three access IDs and up to six accounts. The Premium Plus Plan is $19.95 a month and allows an unlimited number of access IDs and accounts.
Under Online Banking Login, select Business as the type of service, select the State you bank in, enter your Access ID then select Forgot Password? You will receive a temporary password at the email address you supplied when setting up the online service. Log in again using the temporary password provide. You will be prompted to change the password during the log in process. You may also contact Support at (866) 270-6100, Monday-Friday 8:30 AM- 5:00PM.
When entering the Access ID and password given to you, make sure you are entering them in the proper case. The system is case sensitive.
You may contact support at (866) 270-6100, Monday-Friday 8:30 AM- 5:00 PM. We do not recommend sending an email containing account numbers since the information would not be secure.
UCBI maintains rigorous security standards and procedures regarding unauthorized access to customer information. We issue a unique Access ID and Password that identifies the customer when logging into Business Online Banking. In relation to Technology, UCBI uses the Secure Socket Layer for transferring data and the highest type of encryption – 128 bit. SSL is the technology used to make sure that users establish sessions with Internet sites, which are secure. It protects data with (1) authentication, which ensures that the customer is actually communicating with the bank and not someone impersonating the bank, (2) encryption, the scrambling of transferred data so that account information cannot be intercepted and read by a third party, and (3) data integrity, the verification that the information sent by the customer to the bank has not been altered during the transfer.
The authentication image and passphrase are extra protection for your accounts. If you do not see your personal image and phrase after you enter your Access Id, you are not on the authentic UCBI website and you should NOT enter your password. Go to the address bar of your browser, enter www.ucbi.com and log in from our home page.
You can contact support at (866) 270-6100,Monday through Friday 8:30 AM to 5:00 PM. Or, you can email us at ecorp@ucbi.com. You will need to know the answer to your security question to verify your identity.
For us to help you in a timely manner, it is helpful for you to include certain information to verify your identity. You should always include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a phone call please include your phone number and the best time to call.
You will need to contact a Customer Service Representative at your bank to change your mailing address. To change your email address you can submit an email to ecorp@ucbi.com or call 866-270-7100 to speak with Business Online Banking Support.
If you do not access the system at least once during a 12 month period your Business Online access may be deleted and you would need to re-enroll for the service.
The images will be available for current and previous month statements.
Yes. You can access up to 18 months of statements through the Documents option after selecting your account.
Checking accounts – for up to 60 days
Savings accounts – for up to 120 days
CD’s – for up to the life of the CD
IRA’s – for up to the life of the IRA
Loans – for up to the life of the loan
No, you can only transfer between your checking, savings and loan accounts.
The cutoff time for internal transfers is 6 PM. The cutoff time for wire transfers is 5 PM and 4 PM for ACH files/transfers.
You must receive approval from the Lender to have this option through Business Online Banking.
Yes by selecting Funds Management then Transfer List. Unrestricted transfer will allow you to transfer between any checking, savings or loan account setup with this function.
Yes, there is an Export function in the Transactions Menu to allow exporting to these programs.
To view “image” statements you are required to have Adobe Acrobat Reader installed. If you have Adobe Acrobat installed and still cannot view your statement, try to reinstall Adobe Acrobat. To download the program, go to www.adobe.com. Select the option to download Adobe Reader.
After logging into Business Online Banking, select Bill Pay Enrollment at the bottom of the screen. After agreeing to the terms and conditions then complete the application. Your access will be available within one banking day.
Business BillPay is free to all United Business customers.
After logging into Business Online Banking, select Bill Pay Service at the bottom of the screen. You will enter your bill pay access ID and password on the following screen to enter the Business bill payment system. The bill pay access ID and password was given when applying for the service.
Click Forgotten your business user ID or password on the Business BillPay login to review your options or contact Business Online Banking Support at (866) 270-6100, Monday-Friday 8:30AM-5PM for assistance.
A payment submitted through Business BillPay will be deducted from your account when the biller has deposited it. If the payment is an electronic one, the payment will be deducted on the indicated Due Date.
No. You will only be able to pay bills through a checking account.
Contact Business Online Banking Support at (866) 270-6100 to have additional accounts added to your Business BillPay service.
You can stop a Business bill payment through the Payment Activity link if the View, Change or Delete option is still available. If it is not, you should contact Support at (866) 270-6100, Monday-Friday 8:30AM-5PM for further options. Stop payment fee will apply.
No. You must contact Business Online Support at (866) 270-6100, Monday-Friday 8:30AM-5PM to change the checking account that your bills are paid from.