Online Banking | Personal Accounts | United Community Bank

Enjoy an enhanced Online and Mobile Banking experience with United.

Extra security. Benefit from added fraud prevention and security features including the use of Secure Access Codes and browser registration.
Mobile optimization. View and manage all of your bank accounts from your desktop, tablet or smartphone.
Personal Financial Management (PFM). Manage and review cash flow, spending trends, assets, debt and budgets with a single login. PFM makes it easy to
- Track your cash with charts and graphs
- See your spending history and categorize transactions
- Create budgets and plan for your financial future
Bill pay. Control when and how you pay your bills with the ability to choose the exact date the payment will arrive, set up recurring payments and view past payment history.
Mobile Banking. Bank anywhere, 24/7 with our mobile banking app for iPhone® and Android™.
Mobile Deposit. Deposit a check from your smartphone using our mobile banking app.
eStatements. View and print your checking and savings statements anytime. Sign up for paperless statements that can be accessed within United’s Online Banking.
Alerts and Notifications. Receive banking alerts and notifications on the go by email or text message.

Bank anywhere, 24/7. Download our Mobile Banking App today. Mobile Phone in someone's hand

Have you downloaded United’s Mobile Banking App yet? With Mobile Banking from United, you can bank anywhere, 24/7 from your iOS® or Android™ device.

Accessing your accounts using Mobile Banking will require downloading United's Mobile Banking App. Text “NEW APP” to United (864833) to receive a link to download it today. If your device isn’t an Android or Apple, you can always access online banking via your HTML5-compatible mobile browser.

Mobile Deposit. The Mobile Deposit feature allows convenient, secure check deposits directly from your mobile device. Simply snap a photo of a paper check with your Android or iOS device to deposit checks into your Online Banking account. Review the Personal Online and Mobile Banking eGuide to learn more.

Alerts and Notifications. Account Alerts notify you via email or text message of important events occurring on your account. Stay informed with balance, transaction and security alerts. To get started, select Alerts within the Settings menu of Online Banking or the Mobile Banking App. Next, select the New Alert drop-down box to choose the alert type you wish to establish and follow the onscreen instructions.

Text Banking. The Text Banking feature allows you to quickly request and receive account information via text message to your mobile device. This convenient service is safe and secure. Once enrolled, you will not need to sign in to Online & Mobile Banking to use it. To get started, select Text Enrollment within the Settings menu of Online Banking or the Mobile Banking App. Follow the onscreen instructions to complete enrollment.

Message and data rates may apply. Terms & Privacy.

Below are a number of resources, eGuides, video tutorials and more to assist you with our Personal Online Banking service.

Resources:

eGuide – A quick and easy how-to guide for Personal Online Banking and Bill Pay.

Video Tutorials:

Make the most of your Online and Mobile Banking experience with a variety of convenience-enhancing tools and features. Start now by viewing these demo videos:

Retail Online Banking
Extended Online Banking
Mobile Banking
Bill Pay
Security

Enjoy 24/7, on-the-go access to your personal United Community Bank account when you enroll in Online and Mobile Banking today.

To get started, simply follow the steps outlined below.

Step 1: Visit ucbi.com and select “Enroll” from the Online Banking Login menu on the top right-hand side of the website. Then, select “Personal” from the drop-down list that populates below “Enroll.”

Image of Online Banking Login Menu with Personal option

Image of Online Banking Login Menu with Personal option

Step 2: Review and “Accept” Personal Online Banking Service Agreement and Disclosure Statement associated with these services.

Image of Online Banking Agreement

Step 3: Enter the required information outlined in the Online Banking Enrollment fields, including Account Number, Account Type, Social Security Number, Date of Birth and Requested Login ID. Then, select “Continue.”

Image of Online Banking Enrollment fields

Image of Online Banking Enrollment fields

Step 4: Upon submitting your Online Banking Enrollment information, a confirmation box should appear, indicating that you have successfully enrolled in United Community Bank’s Online and Mobile Banking service. Take note of the “Login ID” indicated in the confirmation box. You will need this to access your account in the future.

Image of Confirmation box

Please note: Newly opened accounts will be available within online and mobile banking at the end of the next business day.

Step 5: Once your Login ID has been saved in a secure location, select “Continue.” Select, where you would like your Secure Access Code to be delivered.

Image of options for Secure Access Code delivery

Image of options for Secure Access Code delivery

Step 6: Upon receipt of your Secure Access Code, enter it into the field indicated on your desktop, tablet or mobile device and select “Submit.”

Image of Secure Access Code field

Step 7: Once your Secure Access Code has been accepted, you will set your new password, referring to the password requirements indicated. Select “Submit.”

Image of Password creation fields

Step 8: Review, update and complete your Online and Mobile Banking Account Profile by filling in the fields indicated.

Step 9: Upon completing your Account Profile, select “submit” and you are ready to begin using United’s Online and Mobile Banking service.

Following the completion of the Online and Mobile Banking Enrollment process, download the United Community Bank Mobile App and enjoy access to your account from your iOS® or Android™ device.

What is a Secure Access Code?
A Secure Access Code (SAC) is a security feature that allows you to register the computer you are using for "one-time" or "future" use. Registering your computer is another layer of security to help prevent your online banking account from being accessed by an unregistered computer-even if your Login ID and Password are accidentally or unintentionally compromised.

Why do I need a Secure Access Code?
Registering your computer is another layer of security to ensure your Online Banking account cannot be accessed by an unregistered computer – even if your Login ID and Password are accidentally or unintentionally compromised.

When you log in from an unrecognized computer or mobile device, we will send you a single-use Secure Access Code. The code will be delivered to you using secure contact information that we have on file for your accounts. You can choose to have your Secure Access Code delivered via text message, phone call or e-mail, depending on what contact information we have on file for you. Once you receive the temporary Secure Access Code from United Community Bank, enter it in the space provided within login.

When you use a private device that you will frequently use to access Online Banking, you can “register the device”, which will allow us to recognize the device and browser you’re using. Once you have registered your device, you will not be prompted for a Secure Access Code with future logins. However, if the computer you use is public or one which you do not regularly use, we recommend for your security that you “do not register” the device.

I didn’t receive my Secure Access Code or my contact information is outdated.
Please call us at 1-800-822-2651 during business hours so we may assist you.

I have registered my device, but Online Banking prompts for another Secure Access Code. Why?
There are several reasons this may happen. Most commonly this occurs when your browser settings are setup to delete cookies, or your browser cookie for Online Banking has been deleted since your last login. This can also happen if you are logging in with a different browser on the same registered device. You may have a program on your device that automatically deletes the cookie and that feature would need to be turned off or configured to accept and retain cookies from United Community Bank.

How do I remove the registration from a device?
You can remove the registration of a device or browser by deleting your cookies, or only the cookie related to Online Banking.

Your security is our top priority. But we need your help.

To ensure that your financial information is secure whenever you use the Internet, we’re asking you to take a few minutes right now to make sure you’re using the most current version of your Web browser. That’s because the browser—the software application that lets you surf the Web—also plays a huge role in protecting you and the data you choose to share when you’re online. The most common browsers are Microsoft Internet Explorer®, Mozilla Firefox®, Google Chrome™ and Safari®.

As online fraud and theft evolves, browsers must become more secure with each new version. That’s why companies that provide Web browsers continually release patches to stay one step ahead of fraudsters. So it’s vital that individual users, like you, routinely apply the upgrades to stay protected-on your smartphone, tablet and computer.

Always using a current Web browser is vital to keeping the information you share and the sites you visit secure. This includes the financial information you view and exchange while using Online Banking. Knowing you’re using the most current version is one of the best ways to give yourself peace of mind.

There are many versions in use today that provide adequate protection. If you’re using any of these you’re in great shape:

Microsoft Internet Explorer® 10.0 or higher
Mozilla Firefox® 24 or higher
Google Chrome™ 27.0 or higher
Safari® 6 or higher

If you’re unsure which version you’re using, please take a moment to check with the browser provider to make sure it’s current. To do this, simply visit the website of your preferred provider and navigate to their updates/patches. Or, you may also click on the link above that’s associated with your browser to download the latest version. If you have questions or need assistance updating your browser, please contact us during business hours at 1-800-822-2651 or onlinebanking@ucbi.com.

If you utilize financial software such as Quicken® or QuickBooks™, there will be some additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system. To assist you in completing this task, we have provided the following guides for the most common financial software programs: