Debit Cards

Equip your business with the MasterMoney® Easy Savings ATM/Debit Card that keeps pace with your busy schedule. Use the card wherever Mastercard® is accepted and your purchases will be automatically deducted from your business checking account. In addition, you can register your card with the Mastercard Easy Savings® Program to qualify for various merchant rebates.

Visit Us
  • Use at any United Community Bank ATM without any ATM fees
  • Includes 3D Secure authentication for participating online merchant purchases
  • Link employees' cards to monitor all activity on one business account
  • Download the CardValet® app and control the use of your business debit card from your smartphone
  • Add your debit card to Apple Pay® for an easier way to pay
  • Mastercard® is preferred by the Fuel Rewards® program. Link your card and earn fuel savings with your everyday debit card purchases.
  • Enroll your debit card in 2-Way Text Alerts for added security and peace of mind
  • Easy Savings® benefits are provided at no cost to you and include instant rebates at nearly 19,000 gas stations and 1,700 vehicle maintenance locations throughout the U.S.  Register here to receive rebates of up to 20% on purchases with participating merchants.
  • Rebates appear on your monthly statement after your purchase1
  • Access 13 months of account rebate history

Activating Your Card/Changing Your PIN

  • To activate your card, call 800-992-3808 and follow the automated system prompts.
  • To change your PIN, call 800-992-3808 or visit a United Community Bank ATM.
  • You must activate your card within six months.
  • Your card must be used at least once during a 12-month period to maintain active status.
  • If you've received your replacement card, your existing PIN will activate your replacement card. Please activate your card by calling 800-992-3808 or at any ATM. Once your new card is activated, you may destroy your old card.

Has Your Debit Card Been Lost or Stolen?

If so, report your missing card immediately.

During business hours: Contact your local United Community Bank branch as soon as possible or call 706-439-6600 and ask for the Debit Card Department.

After hours: Call 706-439-6600 then follow the prompts to be directed to the card center in order to report and block your lost or stolen card. Then, contact your local branch on the next business day to order a replacement card.

Immediate reporting ensures potential losses will be kept to a minimum.

The New Debit Mastercard® With Chip Card Technology

Want to learn more about Mastercard® Chip Card? Visit our Security and Fraud Education Center to review some of the most common questions.

The following is the transcript for the video above. Introducing your new Mastercard chip card…. From the moment you receive it you can start enjoying the benefits. Like the extra layer of security against fraud & counterfeiting it gives you, every time you make a purchase in store. And it’s so easy to use. Just insert and leave your card in the chip enabled terminal… Then… follow the on-screen prompts to enter either a PIN or sign. When the transaction is completed, remove your card. That’s it. It’s that easy. Chips cards are already used at millions of locations around the world. And now more and more chip-enabled terminals are coming to retailers in the US. But, if you’re in a store that doesn’t have one yet, don’t worry, you can still swipe and sign or enter your pin like you do today. New, easy-to-use chip cards. Giving you more security… and more peace of mind.

Resource Center

Get financial guidance anytime with our useful tools, educational articles and other valuable resources.

Financial Education

Financial Education



Customer Support

Customer Support

1Rebates are on non-PIN based transactions only. You must select 'credit' and sign for each transaction. To learn more about your new, upgraded benefits, or to request a "Guide to Benefits", contact the Mastercard® Assistance Center at 1-800-MC-ASSIST. You can also download the Guide to Benefits for a full description of these new benefits and how to use them. For questions about your United Community Bank MasterMoney Easy Savings® card account, call 1-706-439-6600, Monday-Friday, 8:00am-6:00pm.

Restrictions apply. Rebates currently available for qualifying, eligible purchases. Participating merchants and rebate offers subject to change. Visit for details. Certain terms, conditions, and limitations apply. See above for Terms and Conditions.

Terms and Conditions

Cardholder Terms & Conditions for Mastercard Easy Savings® Program - U.S. Small Business (3-19)
Mastercard International Incorporated (“Mastercard”) is providing these Mastercard Easy Savings® Program - Terms and Conditions (“Terms and Conditions”) with respect to your U.S. Mastercard small business signature debit, prepaid, or credit card (each, a “Small Business Card”) and/or U.S. Mastercard Multi Card card, Mastercard Purchase Card card, and/or Mastercard Corporate Card (each, a “Commercial Card”). Upon receipt or affirmative acceptance of these Terms and Conditions, you hereby accept the Terms and Conditions for the applicable Mastercard Easy Savings® Program - U.S. Small Business and/or the Mastercard Easy Savings® Program - U.S. Commercial (each, as applicable, the “Program”). You further accept these Terms and Conditions and ratify this acceptance by using, receiving or accepting any benefit of a rebate under the Program.

If you do not wish to participate in the Program, please contact your issuing bank.

These Terms and Conditions set forth the terms applicable to your use of the Program. The Program provides you with automatic rebates on eligible purchases from participating merchants in the United States if you use an eligible, enrolled Mastercard Small Business Card or Commercial Card. Please read these Terms and Conditions carefully and keep them for your records.

In these Terms and Conditions, the words “you” and “your” mean the person or entity to whom a Card, as defined below, has been issued and any person or entity that you allow to use a Card, and the words “we,” “us” and “our” mean Mastercard. “Program Website” means for the Mastercard Easy Savings® Program - U.S. Small Business or for the Mastercard Easy Savings® Program - U.S. Commercial (or such other websites as we may establish for the Program).

Participation: For Mastercard Easy Savings® Program - U.S. Small Business only: If you have been notified by the issuer that issued your Mastercard Small Business Card that your Mastercard Small Business Card has been automatically enrolled in the Program, you may participate in the Program effective as of the date indicated in the notification from the issuer. You may also go to and register to receive program updates, and see your and/or your employees’ card rebates at that site. If you have been notified by the issuer that issued your Mastercard Commercial Card that your Mastercard Commercial Card has been enrolled in the Program, you may participate in the Program immediately.

The Program is available only to cardholders using eligible, enrolled Small Business Cards or Commercial Cards, as applicable, issued by a United States financial institution (“Cards”). You must be enrolled in the Program prior to using a Card at a Merchant, as defined below, or to receive the rebate benefits of the Program.

If you access the Program Website or use the Program, you also accept the Terms and Conditions as posted on the Program Website and as posted at:

For Mastercard Easy Savings® Program - U.S. Small Business:, as may be amended from time to time.

For Mastercard Easy Savings® Program - U.S. Commercial:, as may be amended from time to time.

If you request a user ID to access rebate information on the Program Website, we may need to validate your Card in order to ensure that you can receive applicable rebates and as part of this validation an authorization hold of $1 may appear on your account information. Once the validation is confirmed, usually within 2-7 days, this authorization hold will be removed from your account.

Your Data: You agree to the terms of the Program’s privacy notice as posted at, as may be amended from time to time. You acknowledge and agree that your issuing bank and Mastercard may share and use data regarding you, your personnel and such Card usage with each other and with third parties, such as Merchants and service providers, to operate the Program and for internal operational purposes, including, but not limited to, sending you and your personnel emails regarding the Program.

Merchant Offers: Merchants that are participating in the Program (“Merchant(s)”) may provide offers for rebates on purchases of goods or services (“Offers”) at participating Merchant locations for Cards. The amount of any rebate and other terms and conditions applicable to a rebate will be determined by the Merchant, and are subject to change at any time and without notice. Please refer to any disclosures provided by your issuing bank and the Program Website for any details on any Offer terms and conditions. Offers may be redeemed only at participating Merchant locations. See the Program Website for the latest information on available Offers. Certain issuers may restrict your access to: (i) or the ability to make purchases from, certain Merchants; (ii) certain Offers; or (iii) certain elements of the Program for other purposes. Please refer to the Offer details provided by your issuing bank, the Program Website, and/or the Offer details below for the latest information on available offers.

Offer Acceptance: When you purchase goods or services using a Card from a participating Merchant, you will receive a rebate on your purchase, subject to any terms and conditions of the Offer and provided that the purchase transaction: (a) originated in the United States, (b) is authorized, settled and cleared through the Mastercard Global Clearance and Processing System, and (c) is not a PIN-based transaction. The rebate will not appear on your receipt at the point of sale. The form of the rebate may be a credit to your Card account or the rebate may be in another form, as determined by the Issuer. If a rebate is credited to your Card account, please note that it might not appear on the same statement as the related purchase. There may be a delay of up to one statement cycle in crediting a rebate. Please note that rebates will be based on the standard currency related to your Card.

Reversals: All or a portion of a rebate may be reversed in certain circumstances, including without limitation, upon a return, dispute, adjustment, or fraudulent card activity.

Disclaimer of Liability: Our role under the Program is limited to processing information regarding Offers on behalf of Merchants and the issuing banks. We are not responsible for any Offers or rebates, your ability to use Offers or rebates, the crediting of any rebates to your Card account, reversals of Offers or rebates, accuracy or completeness of information about Offers or rebates, or any acts or omissions of the issuing banks or Merchants. We provide the Program on an “AS IS” basis, and we disclaim any and all warranties, including without limitation, any warranties of merchantability or fitness for a particular purpose, except as required by applicable law. We are not liable to you for any damages that you suffer in connection with your participation in the Program, unless the damage results directly from our failure to perform the express obligations under these Terms and Conditions. We and our affiliates, our respective directors, officers, employees, agents, and successors and assigns, are not responsible, and shall not be liable for, any direct, indirect, special, incidental, or consequential damages (including lost profits). Without limiting the foregoing, we are not responsible for any Card account fees or penalties that you incur on your Card, including fees and penalties that may result from rebate reversals. Any tax liability resulting from your participation in the Program shall be your sole responsibility, and not our responsibility or the responsibility of any Merchant or the issuing bank. Merchants or the issuing bank may report information regarding the Program and your participation in it to tax authorities. Merchants and the issuing bank may not vary these Terms and Conditions as applied to the relationship between you and us and may not make any commitments that are binding on us.

Program Information: By registering on the site, you agree to receive Program information via email and to advise us of any change in your email address by providing updated information via the Program Website. Please note that we will use information regarding purchase transactions initiated with your enrolled Card(s) to provide you with reports via the Program Website as well as for other purposes as determined by Mastercard.

Termination: You may terminate your participation in the Program at any time by notifying your issuing bank. There may be a delay of up to 30 days in effecting such termination, and reversals or adjustments of rebates may continue after termination, as determined in our discretion. We or your issuing bank may terminate your participation in the Program at any time, without notice unless required by law. We reserve the right to add or terminate any participating Merchant or any Offer without notice. Any terms, which by their nature should survive the termination of these Terms and Conditions, shall survive.

Change of Terms: We can add to, delete from, or change (each, a “change”) the terms of these Terms and Conditions and/or the Program at any time. We will notify you of changes by posting the revised terms and conditions on the Program Website.

Questions Regarding the Program: You should direct any questions related to the Program, Offers, any Program restrictions, or rebates to your issuing bank.

Disputes: Any disputes regarding Offers or rebates, or your ability to participate or receive them, may be determined by us, by your issuing bank, or Merchants. That resolution will be final and binding on you.

Additional Terms: Your issuing bank and Merchants may impose additional terms on your participation in the Program. These Terms and Conditions are in addition to, and do not amend or replace, your card agreement with your issuing bank.

Miscellaneous: These Terms and Conditions will be governed by the laws of New York State, without regard to conflict of law principles. Any dispute arising out of or in connection with the interpretation or performance of these Terms and Conditions, that is not settled in accordance with the section of these Terms and Conditions entitled “Disputes”, shall be finally settled by the Courts located in the City and State of New York, which shall have exclusive jurisdiction. YOU AND WE HEREBY WAIVE ANY RIGHT TO A JURY TRIAL. You may not assign your rights under these Terms and Conditions. We may assign our rights and obligations at any time. The invalidity of any provision of these Terms and Conditions will not affect the validity of the remaining portions. Any waiver by us of our rights under these Terms and Conditions is binding only if in a writing signed by us. The use of your issuing bank and Merchant names and logos in the Program is by permission only.

Mastercard Easy Savings® Program U.S. Small Business – Participating Merchants Offer Details: Restrictions, conditions, and limitations apply. Visit the Merchant detail pages at for more details.

© Mastercard, Mastercard Easy Savings Program and the Mastercard brand marks are registered trademarks of Mastercard International Incorporated. All third-party product and service names referenced herein are trademarks of their respective owners.