Stop Payments

Stop payments can be requested at your local bank, or through Online Banking for certain transactions. Within Online Banking, you can access this feature for paper checks that you have written from a checking account that you have enrolled in online banking.

Note: To access this feature in Online Banking, select the account you wrote the check on, and select the “Stop Payment” button.

Stop Payments made in this manner are subject to the following terms and conditions:

  1. Item Description.  I/We hereby order United Community Bank (hereafter “the Bank”) to stop payment on the check described in the stop payment request. I/We warrant that the information describing the check, including the check date, its exact amount, the check number and payee, is correct. I/We understand that the EXACT amount of the check is necessary to successfully stop the payment. If I/we give the Bank the incorrect amount or any other incorrect information, the Bank will not be responsible for failing to stop payment on the check.
  2. Agreement.  I/We agree that unless my/our stop payment request is received by the Bank within a reasonable time for you to act on my/our order prior to final payment of the check by the Bank, the Bank will not be responsible for stopping payment. A stop payment received by 8:00 pm EST on a business day will be effective on the date that it is received. A stop payment received after that time will be effective on the next business day. A business day is defined as Monday through Friday, excluding federal holidays. I/We agree that I/we may not stop payment on any point-of-sale ACH/EFT transfer; any cashier’s check, certified check or other official institution check I/we have purchased from the Bank; or any check of which the Bank has guaranteed. I/We understand that my/our stop payment request is conditional and subject to verification that the check has not already been paid or that some other action to pay the check has not been taken by the Bank.
  3. Duration.  A stop payment order against a check is effective only against the check that is described in the request. A stop payment request is effective for 180 days only and will expire automatically at that time unless I/we have specifically renewed it in writing prior to expiration.
  4. Fees.  I/We agree to pay a service charge for this stop payment order in the amount shown in your current disclosure of fees and charges. Unless otherwise agreed the Bank is authorized to charge this service charge to the Account.
  5. Indemnification.  I/We agree to indemnify, defend and hold the Bank harmless against all costs, including attorney’s fees, actions, damages or claims related to or arising from the Bank’s action in refusing payment of the check including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check as a result of incorrect information provided by me/us. I/We also agree to notify the Bank promptly upon the issuance of any duplicate check which replaces the check subject to this order or upon return of the original check.