Mobile Banking

United Community Bank's Mobile Banking gives you on-the-go access to your accounts so you can transfer funds, pay bills and much more using your mobile device. It's a quick and secure way to manage your money. Just make sure you're enrolled in Personal Online Banking and start enjoying the convenience.

Download from Google Play™

Download from iTunes®

Choose the Mobile Banking Option That Fits You

 
Banking App
Mobile Web-Based Text Banking
View account balances * * *
View recent and pending transactions * * *
Transfer funds between accounts1 * *  
Deposit checks4 *    
Pay bills * *  
Send money using email or mobile number through Popmoney® 2 5  * *  
Receive text alerts on selected transactions3   * * *
Locate a nearby branch or ATM * * *

How to Access Mobile Banking for Android™ or iPhone®

Download the "UCBI Mobile" app from Google Play™ or Apple iTunes®
 

How to Access Text or Web-Based Mobile Banking

  • Log in to Online Banking. 
  • Select "Options" from the toolbar. 
  • Click "Enroll Now" under "Mobile Banking Profile." 
  • Accept the terms and conditions.
  • Select the mobile services you want.
  • Select the accounts you want to access.
  • Enter your phone number (no dashes).
  • You'll receive an activation code on your phone. Enter the code on the website and click "Activate."
To learn more about text banking or view common text codes, view our Text Banking brochure.


Use Mobile Deposit to Deposit Your Checks

  • Log in to our Mobile Banking app. 
  • Tap the "Deposit" icon and select "New Deposit."
  • Select the account for your deposit. 
  • Enter the check amount and click "Continue." 
  • Take a photo of the front of the check, making sure all four corners are in frame and focused. 
  • Tap "Use Photo" or "Retake," if necessary. 
  • Repeat the process with the back of the check. 
  • Check the confirmation screen to ensure accuracy. 
  • Keep the physical check until after the deposit posts. 


Use Popmoney® to Send Money to People

  • Open our Mobile Banking app and select "Pay Other People" from the Bill Pay menu. 
  • Select the recipient or enter a new name under "Pay Someone New."    
  • Select the account you want to use, the amount you want to send and then type your message to the recipient.
  • Tap "Continue" and select whether you want to notify the recipient via text7 or email. 
  • Review and tap "Yes" to send.

To learn more about Mobile Banking, view our Mobile Banking tutorial and download our Mobile Banking brochure. You also can download our brochures for Popmoney® and Mobile Deposit.

Yes. United Community Bank maintains rigorous security  standards and we have measures set up to review and stop the deposit (at the  mobile device) if we detect specific concerns related to fraud or potential  threat to your account security.

Yes. You can pay your bills as well as view and modify  pending payments with Mobile Web-based Banking and UCBI Mobile Banking apps.  (This service is not available with text banking.)

No, but you can easily add new payees by logging in to your  Personal Online Banking account and accessing the bill pay service.

Yes, but keep in mind that the first time you use Popmoney®  with a new recipient it could take 3-5 days for them to receive the funds. Fees  may apply.

No.  United Community  Bank also offers Text Banking.  From any  mobile phone with texting capabilities you can instantly view balances, recent  transactions, and receive text alerts.

UCBI app users do not need to enroll for Mobile Deposit. If  you already have the UCBI mobile app (and the account is designated as  eligible) the Mobile Deposit function will automatically be activated and  available the month following enrollment and a deposit icon will  automatically appear on the app screen.

Installing the UCBI Mobile Banking App on your phone is  easy!  Download it directly from the  iTunes® App Store or Google® Play store (depending on the type of phone you have).  Use your Personal Online Banking  Access ID and Password to log in to the App. 

If you prefer, you can log in to Personal Online Banking,  enroll in Mobile Banking, and then select the option for a Mobile Banking App. You will then receive a text with the link to download, which will only require your  online banking password to log in to the App.

Once you have enrolled, you can easily access Mobile Banking by:
App - Download the UCBI Mobile App for iPhone® or Android™ , open the app and log in using your Personal Online Banking credentials
Mobile Web-Based Banking – Using the Mobile Banking link obtained during enrollment, log in to Mobile Banking from your mobile web browser with your Personal Online Banking credentials
Text Banking – By sending text commands such as BAL, HIST or HELP to 48224 (4UCBI) [link to text banking codes]

Preparing to deposit a check using the mobile banking app is easy! Simply endorse the check in the specified area on the back of the check. The endorsement should be signed exactly as made out on the front. (For example, a check made out to ‘Johnny Smith’ should not be endorsed ‘John Smith.’)

Helpful tips:After taking a photo of the front and back of the check and verifying that it has been reviewed and accepted, you may want to date and write ‘Mobile Deposit’ on the front of the check to help you remember that the check has already been deposited.We suggest that you keep the check for 45 days: then you can destroy or shred it.

PERSONAL ACCOUNTS

You can update your email address in online banking by clicking on “Change Email Address” from the “Options” menu, contacting customer support toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

BUSINESS ACCOUNTS

To change your email address you can call customer support toll-free at 1-866-270-6100, Monday–Friday, 8:30am–5:00pm, or email us at ecorp@ucbi.com.

Important note regarding email inquiries:

In order for us to assist you,

ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security,

NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

There is no charge for enrolling in Mobile Banking. Message  and data rates may apply. Please check with your mobile carrier for details.

Click on the “Forgot Password” link in the online banking login box. 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 customer support.

Please note: For your protection, your account will be 'locked out' after 3 invalid password attempts or an invalid answer to a challenge question. You will need to contact customer support to reset your password if your account has been locked.

If a mobile deposit is rejected at the time a deposit is attempted, you will receive a message on your mobile device with a reason for the rejection. If a deposit is rejected in the processing stage, customers can contact customer support for verification.

For personal account questions and support, call us toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

Important note regarding email inquiries:

In order for us to assist you,

ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security,

NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

The app can be found on iTunes® App Store or Google® Play store (depending upon which type of device you have). The name of the App is “UCBI Mobile”. It is easiest to find by searching for “UCBI”. Remember to look for the “U” logo.

Yes.

Mobile Web-Based and App security:

  • Your password is required each time you log in.
  • Your private “picture and pass phrase” are displayed to protect against “phishing”.
  • We use 128-bit encryption to mask your sensitive information.

Text banking security:

  • No detailed personal information is sent.
  • You will view accounts by nicknames you set, not by account numbers.

There is no fee for using Mobile Deposit, however, regular  account transaction charges will apply. Message and data rates may also apply.

Although you must deposit one check at a time, there is no  limit to the number of checks you can deposit per day. The default maximum dollar  amount that can be deposited in a business day is $1500 (single or combined  transactions). Mobile Deposit eligibility and limits are based on your  particular relationship with the bank, for example, account balances, responsible  account usage, etc. United Community Bank reserves the right to modify or  discontinue this service at any time. 

No. Once you have enrolled and activated the service, Mobile  Banking is ready to use. UCBI Mobile app users do not need to enroll for Mobile  Deposit. If the account is designated as eligible, the Mobile Deposit function  will automatically be activated and available the month following your  enrollment in mobile banking and a deposit icon will automatically appear on  the app screen.

When a check is deposited, the transaction will be displayed as ‘Pending’ on the app until the deposit has been reviewed and approved. Every check will be reviewed for the accuracy of the endorsement and deposit amount. Once processed, the deposit will show ‘Accepted’ or ‘Deposit Unknown’ under the deposit history in the Mobile Banking app. Your deposit will not appear in your transaction history while the deposit is pending. It will appear in the transaction history once it is accepted and available for withdrawal.

Remember, it’s your responsibility to view the account deposit history to see if the deposit was accepted or rejected. 

BAL (Account Balances), HIST (Transaction History), HIST plus account nickname (Specific Account Transaction History), ATM plus zip (ATM Locations), BRANCH plus zip (Bank Locations), BOTH plus zip (ATM & Bank Locations) and HELP (Available Text Commands).

You will use the same password you use to log in to Online Banking. If you change your Online Banking password, your Mobile Banking password will also automatically change.

You can disable the lost/stolen device by logging in to personal online banking, selecting ‘Options,’ ‘Mobile Banking Profile,’ and ‘Manage Devices’. Locate the lost/stolen device on the list and choose to stop using this device.

You can also contact customer support to request a device be deactivated. You will need to provide your (or account holder’s) name and Personal Online Banking Access ID to deactivate a device.

Our customer support representatives are happy to assist you. 

Call us toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

Important note regarding email inquiries:

In order for us to assist you,

ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security,

NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

Mobile Banking allows you to view your balance, make deposits, transfer funds, search recent transactions, locate the nearest United ATM, and even make payments using your mobile phone.

In fact, you can access all of the same accounts you can through Personal Online Banking, including checking, savings, Money Markets, CDs and loans. 

Message and data rates may apply. Please check with your mobile carrier for details.

Mobile Deposit is an additional feature of UCBI's Mobile Banking Application (App). This feature gives you the ability to deposit checks from your mobile device by taking a picture of the front and back of the check, then submitting these images for deposit.

NOTE: This feature is currently available only for iPhone® and Android™ phones.

Message and data rates may apply. Please check with your mobile carrier for details.

Popmoney® is a service that gives you an easy way to send money to an individual. For example, if you want to send money to family or friends, or pay an individual for a purchase you made from them, you can send them money using their phone number or email address. The money will be withdrawn from your account and the payee will receive an email or mobile text notification that their money is available.

  • Travelers checks
  • Savings bonds
  • Money orders or postal money orders
  • Federal government checks
  • Checks dated more than six months prior to the date of deposit
  • Checks previously presented as an electronic item
  • Checks or items not payable in United States currency
  • Checks or items drawn on a financial institution located Outside the United States
  • Checks or items previously converted to a substitute check as defined in Reg CC (IRDs)
  • Checks or items containing alteration to any of the fields on the front of the check or item, (including the MICR line), or which you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn
  • Checks or items payable to any person or entity other than the customer, or to the customer and another party
  • Remotely created checks as defined in Reg CC
  • Non-negotiable instruments such as promissory notes

Personal or business checks made payable to you and drawn on  a US bank can be deposited using UCBI Mobile Deposit.

If a deposit is made BEFORE 6 p.m. EST, the funds generally  will be available the next business day. Deposits made AFTER 6 p.m. will not be  posted until the following business day and made available the day after. (For  example, if you deposit a check at 7 p.m. EST on Monday, it will not be posted until  Tuesday, with the funds available on Wednesday.) Business days include every  day except Saturday, Sunday and federal holidays.

Mobile Deposit is available to Personal Online Banking customers with an active personal checking, savings, or money market account in good standing (See terms and conditions). You must be signed up for Mobile Banking and have the UCBI Mobile Banking app downloaded to use this service.

Our customer support representatives are happy to assist you. 

PERSONAL ONLINE & MOBILE BANKING

For personal account questions and support, call us toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

BUSINESS ONLINE BANKING

For business account questions and support, call us toll-free at 1-866-270-6100, Monday–Friday, 8:30am–5:00pm, or email us at ecorp@ucbi.com.

Important note regarding email inquiries: 

In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

Yes. The website uses a technology called Responsive Design. That simply means that the website will automatically resize to display on any device - a desktop computer, laptop, tablet or smartphone.
You are required to answer 4 of the 5 questions correctly. You will have 3 attempts before being locked out of the application process.  The system will unlock automatically after 24 hours. For your online security purposes, the Customer Contact Center cannot unlock your application. If you continue to experience issues enrolling in Personal Online Banking, please contact us.

PERSONAL ONLINE & MOBILE BANKING

For personal account questions and support, call us toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

Important note regarding email inquiries: 

In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

If you do not know your Telephone Banking PIN number, please contact us. After we have verified your identity over the phone, we will be able to supply your PIN number.

PERSONAL ONLINE & MOBILE BANKING

For personal account questions and support, call us toll-free at 1-866-270-7100, Monday–Friday, 8:30am–6:00pm or email us at onlinebanking@ucbi.com.

Important note regarding email inquiries: 

In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact.  If you would like a customer service representative to call you, please include your phone number and the best time to reach you.

For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

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1 Feature only available with banking app or web-based banking

2 Popmoney® transaction fees may apply

Message and data rates may apply. Please check with your mobile carrier for details. 

4 Mobile Deposit is available to Personal Online Banking customers with an active personal checking, savings or money market account in good standing. 

5 Fees may apply.

6 It could take 3-5 days for new Popmoney® users to receive funds. Fees vary based on transaction amount and service selected. 

7 Message and data rates may apply. Please check with your mobile carrier for details.