Online Banking and Bill Pay

You want to manage your money when it's convenient for you. With Online Banking and Bill Pay, you can access your accounts anytime to monitor activity, transfer funds, pay bills and much more. You can trust the enhanced security of this service, and you'll enjoy the added convenience of banking on your time.

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  • Review balances and activities for all of your deposit, savings and loan accounts
  • View, search and categorize transactions easily to monitor how you're using your money
  • Transfer money between your United Community Bank accounts
  • Pay your bills by setting up a list of payees and scheduling payments  
  • Review recent and scheduled transactions
  • Use Popmoney®1 to transfer money quickly between family and friends using their email addresses, mobile phone numbers, routing numbers and account numbers

Need help?

Visit the Online Banking Support page.

A payment submitted through bill pay as a draft check will be deducted from your account when the biller has deposited it.  Electronic bill payments will be deducted on the indicated Due Date.

Yes, there is an Export function in the Transactions Menu.  We offer export capabilities for Quicken, Quickbooks and Comma Separated Files. 

Attention Business customers:
For other format capabilities review our Account Reconciliation service.

Personal online banking customers can cancel recurring payments or transfers from the Transfer or Payment list and selecting 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.

Business online banking customers can contact customers support to assist in cancelling recurring payments or transfers. 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.

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 contact customer support. 

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. Fees may apply. 

PERSONAL ACCOUNTS

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 ACCOUNTS

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.

Log in to online banking

Click on the account

Click on the "Stop Payment" button and select "Add Stop Pay" ("Stop Payment Issue" for Business Online Banking customers) from the drop down list

Fill in the check details as requested. 

Please note: It is the customer's responsibility to ensure the check has not previously cleared.

Stop payment fees will apply. 

The personal online banking stop payment fee will appear in the request box along with the number of days before the stop payment  expires.

The business online banking stop payment fee is $30. The stop payment will expire 6 months from the date the stop payment is placed.

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.

Transaction history and eStatements are available for 24 months within online banking. 

If you choose to visit a bank location , a customer service representative can assist you with setting up online banking immediately. Otherwise, if you enroll online, 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.

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.

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.

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.

No. For your security, you will need to contact a customer support representative to assist you with changing the checking account that your bills are paid from.

Our customer support representatives are happy to assist you.

PERSONAL ACCOUNTS

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 ACCOUNTS

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.

  • Check number (required field)
  • Payee of the check (required field)
    If the check was lost or stolen, enter Lost/Stolen for the Payee. 
  • Amount of the check ($0.00 can be entered if the amount is not known) 
    Please note: Dollar ranges cannot be entered.
  • Date of the check (current date can be entered if the exact date is not known)
    Please note: Date ranges cannot be entered.

For your account security, after several months of inactivity, you will be required to re-enroll in online banking. 

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.

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. Go to the address bar of your browser, enter www.ucbi.com and log in from our home page.

There is no charge for Personal Online Banking.

There is no charge for our Basic Business Online Banking Plan which includes one access ID and up to four accounts. The Premium Plan is $9.95 a month and includes up to three access IDs and up to six accounts. The Premium Plus Plan is $19.95 a month and includes unlimited access IDs and unlimited accounts. 

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 Online Banking.

Image of check

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.

Your security question and answer are used as a security procedure to prevent someone other than you from calling Support regarding your account. When you enroll in Online Banking you will be prompted to choose three (3) challenge questions to answer. Be sure to set your security question and answer to something that no one else will know.

When will I need to answer a security question? When calling customer support for assistance with your account, you will be asked a security question and you will need to provide the correct answer in order to receive support. When logging in to online banking for the first time from any device, you will be asked a security question.  This is to help prevent someone other than yourself from accessing your information. Once you have provided the correct answer to your security question, you will be asked if you would like to register the computer you are using as a Personal computer or a Public computer.

Please note: For your security, if you use a computer that is registered as a Public computer, the system will ask you a challenge question. You will not be asked a challenge question when accessing online banking from a device that is registered as your Personal computer. You should only consider registering devices as “Personal Computers” that you use regularly and which are not available for public use.

Error messages such as 'Invalid Customer Security Code' and 'Information Missing or Invalid' will often display if there is a data entry error. The Access ID and password fields are case sensitive. Make sure your caps lock and number lock keys are not on and that you are using the correct case. If you still receive an error message, please contact customer support.
 

Our customer support representatives are happy to assist you. 

PERSONAL ACCOUNTS

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 ACCOUNTS

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.

To read and/or print your eStatement, you must have Adobe® Acrobat® Reader installed. If you have Adobe Acrobat installed and still cannot view your statement, try to reinstall or update Adobe Reader.  To download the program, go to www.adobe.com.  Select the option to download Adobe Reader. If you still receive an error message, please contact customer support.

Our customer support representatives are happy to assist you. 

PERSONAL ACCOUNTS

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 ACCOUNTS

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.

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