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On Saturday, August 17, First Madison Bank became United Community Bank. With a shared commitment to quality service, the team members you know and trust are excited to assist you as part of the United family. Together, we will continue providing personalized financial solutions to you, our valued customers, along with expanded access to the United Personal and Business banking products and services.
We understand you may have questions and we’re committed to keeping you informed. Below, you will find related information and resources, including a comprehensive Products and Services Guide.
With Mobile Banking from United, you can bank anywhere, 24/7 from your iOS® or Android™ device. Visit your preferred app store or select one of the app store badges below to download United's Mobile Banking app today.
Phone: 1-800-UCBANK1 (1-800-822-2651)
Online Chat: Monday–Friday, 8:00am-7:00pm
Monday, August 19
Beginning Monday, August 19, provide your new debit card number to any merchants currently using your card as a payment method for recurring bills.
Your routing number will change to 061112843. Please do not use the new routing number prior to August 19.
Your direct deposits and automatic payments will continue to be processed in the same manner as they are now. There is no action you need to take.
Sunday, August 18
Visit ucbi.com or download our Mobile Banking app from the Apple or Google Play stores to begin using United Community Bank’s Online and Mobile Banking service with Bill Pay. The service will be available beginning at 5:00pm on Sunday, August 18.
If you use Online Banking Alerts, you will need to recreate them once you’ve signed into Online Banking.
Saturday, August 17
Your account(s) will transition from First Madison Bank to United Community Bank beginning Saturday, August 17.
Friday, August 16
First Madison Bank’s Online and Mobile Banking service will be turned off at 4:00pm on Friday, August 16, with no access until Sunday, August 18 at 5:00pm.
You will need to activate your new United Community Bank Debit Card and select a PIN prior to using it beginning at 6:00pm on Friday, August 16. To do this, call 1-800-992-3808.
You will receive a final bank statement from First Madison Bank dated August 16. After that date, all account statements will be provided by United Community Bank.
Thursday, August 15
First Madison Bank’s Online Bill Pay service will be turned off at 3:00pm on Thursday, August 15, with no access until Sunday, August 18 at 5:00pm. Your Bill Pay payees and scheduled payments will be automatically transferred to United Community Bank, so there is no need for you to re-enter the information.
Wednesday, August 14
First Madison Bank’s Mobile Banking Bill Pay service will be turned off at 6:00pm on Wednesday, August 14. Bill Pay will be available in Online Banking until Thursday, August 15 at 3:00pm.
Friday, July 26
We will mail your new United Community Bank Debit Card(s). Please keep the card, but don’t use it until after Friday, August 16 at 6:00pm. Continue using your First Madison Bank card(s) until then.
We mailed your new United Community Bank Debit Card(s) on Friday, July 26. You may begin using your new card on or after Friday, August 16 at 6:00pm.
As a reminder, there are a few key steps you’ll want to take once you receive your United Community Bank Debit Card(s):
Step 1: Activate your card. You will need to activate your new United Community Bank Debit Card and select a PIN prior to using it. To do this, call 1-800-992-3808.
Q. Who is United Community Bank?
A. Since 1950, United Community Bank has been dedicated to providing best in class service to our customers as the foundation of every relationship. Known as “The Bank That SERVICE Built®,” we are committed to improving the lives of residents in the communities we serve through this philosophy of delivering exceptional banking service. We strive to provide valuable, convenient and innovative products and services with the attentive customer service you deserve.
Q. Will my accounts still be FDIC insured?
A. If you do not have any pre-existing accounts with United Community Bank, then there is no change to your FDIC insurance coverage. If you do have accounts at both United Community Bank and First Madison Bank, the FDIC provides continuing separate insurance coverage for at least six months following the legal close on May 1, 2019.
Q. Who do I contact if I have questions about my accounts today or concerns going forward?
A. If you have any questions and/or concerns, you should contact your local First Madison Bank branch. Our teams are working closely together and your local First Madison team will continue to be your trusted resource.
Q. Will my branch remain open?
A. Yes. There is very little overlap of United Community Bank and First Madison Bank locations in the Athens community. You will continue to enjoy the same convenience and service from the team of bankers you know and trust, at the same locations.
Q. Will I continue to receive the same level of personalized service?
A. Yes. United Community Bank has a high commitment to customer service and local relationships. You should continue to conduct your banking as you always have, and you will continue to experience the same great service from the team of bankers you have come to know and trust.
Q. When can I conduct transactions at a United Community Bank branch?
A. There will be over 140 United Community Bank branch locations to serve you beginning Monday, August 19, 2019.
Q. Will there be changes to my checking, savings or money market account?
A. Yes. Your account will automatically be converted to the United Community Bank product that is most similar to your current product as listed in the Personal Account and Business Account sections of the Product and Services Guide (pp 30–32 and pp 44–46).
If you have any questions regarding your account type or the fees associated with your new account, please call or visit any of our branch offices. If you are interested in other account options we offer that are not listed in the Product and Services Guide, please visit ucbi.com for more details.
Q. What if I want a different product?
A. On or after Monday, August 19, you may visit your local United Community Bank branch office, and we will be happy to discuss a product that best fits your financial needs.
Q. Will there be any changes to my Certificate of Deposit (CD) or Individual Retirement Account (IRA)?
A. The interest rate on your CD or IRA will not change until maturity. Please refer to the Terms and Conditions guide for additional information regarding these accounts.
Q. Will I need new checks or deposit slips?
A. Please continue using your current checks and deposit slips for your checking account until your supply is gone. When it is time for you to reorder, please contact United Community Bank to ensure that you get new checks with the correct routing number. The new routing number is 061112843.
Q. Will I need new savings deposit or withdrawal slips for my savings account?
A. Yes. Savings deposit and withdrawal slips issued by First Madison Bank should be discarded after Friday, August 16. Please call 1-800-UCBANK1 or visit your nearest branch to request a complimentary replacement order.
Q. Will I have access to 24-Hour Telephone Banking?
A. Yes. Access United Community Bank’s 24-Hour Telephone Banking beginning Monday, August 19 by dialing 1-800-UCBANK1. The last four digits of your tax identification number will serve as your PIN until you designate the PIN of your choice. You will be able to check your account balance, review your transactions, transfer funds, make a payment, report lost or stolen cards and much more.
Q: What are the daily ATM and point-of-sale transaction limits?
A.You may withdraw no more than $400 in cash per day, and you may not exceed $1,500 in transactions per day using your debit card. Additional details can be found in the Electronic Fund Disclosure section of the Terms and Conditions guide.
Q: Will I have to pay fees when I use a United Community Bank ATM?
A.There are over 150 ATMs throughout the United footprint that you can use with no fee. Additionally, United is a member of the Publix® Presto! network, which allows access to more than 1,000 ATMs nationwide with no fee. Please visit ucbi.com for a complete list of ATM and branch offices.
Q: Will there be any changes to my safe deposit box?
A.Please refer to the Terms and Conditions guide for details regarding safe deposit box rental fees.
Q: Will I be able to use the night depository as I have in the past?
A.Yes, you will be able to use any United Community Bank night depository. We offer the option of disposable, sealable deposit bags. Contact any of our branch offices for more information on this convenient service.
Q: What will I need to do to continue receiving incoming domestic and international wire transfers to my account?
A.To be certain that incoming domestic and international wire transfers are properly credited to your account, you will need to inform the originator of the wire transfer of the following information to begin using August 19, 2019:
Incoming wire transfers intended for loan payments or loan payoffs should use the following format to avoid delay or return. Wire Funds to:
Q: Will I continue to receive check images with my statements?
A. Check images are included with all eStatements at no cost. Business customers receiving paper statements will also continue to receive check images at no cost. However, check images will not be included with consumer deposit account paper statements. You may request to have check images added to your paper statements but will incur a $2.00 (front only) or $3.00 (front and back) monthly Check Image Fee.
Q: I am currently receiving eStatements. How will I receive my statement going forward?
A. If you already receive eStatements, notification will be sent to the email address we have in our records when your statement is ready to be accessed through Online and Mobile Banking. You must be enrolled in Online Banking at ucbi.com in order to access your eStatements.
Q: Will I continue to have access to my First Madison Bank account eStatements through Online Banking?
A. Yes, up to 24 months of eStatements will be available within Online and Mobile Banking. However, there may be a delay accessing eStatements following the conversion. Prior to Friday, August 16, you may find it beneficial to print or save existing documents that you may need to access at a later time.
Q: If I have lost a statement or I need information on transactions that occurred before August 16, 2019, whom should I contact?
A. You may call or stop by any of our branch offices, and we will be happy to assist you in acquiring the information you need.
Q: Will there be any disruption in the Bill Pay service during the conversion?
A. First Madison Bank’s Bill Pay service will be turned off at 3:00pm on Thursday, August 15, with no access until Sunday, August 18 at 5:00pm. Your Bill Pay payees and scheduled payments will be automatically transferred to United Community Bank’s Bill Pay service, so there is no need for you to reenter this information.
eBills will not automatically transition from First Madison Bank to United Community Bank. All eligible eBills will need to be reestablished on or after Sunday, August 18 at 5:00pm. You may begin using United Community Bank’s Online and Mobile Banking service with Bill Pay beginning Sunday, August 18 at 5:00pm.
Q: Does United Community Bank’s Online and Mobile Banking system offer new features and functionality?
A. Yes. You’ll enjoy an enhanced Online and Mobile banking experience with United. New features include:
Learn more about all of the great Online and Mobile Banking features by visiting ucbi.com/online-banking.
Q: Will recurring and future-dated internal transfers set up in my First Madison Bank online banking account convert over to United Community Bank?
A. Yes, both recurring and future-dated internal transfers will convert to United Community Bank and will be processed as scheduled.
Q: What if I have my loan payments automatically drafted or issued from a different Bill Pay service. Do I need to do anything?
A. Yes. Please contact your Bill Pay service provider and provide the following information to begin using on Monday, August 19, 2019:
Q: What are the other ways I can make a loan payment?
A. On or after August 19, 2019, you can make your payment at any United Community Bank branch office, online at ucbi.com or mail it to:
Q: Will I continue to receive a payment statement for my business loan?
A. Yes, accounts with active balances will continue to receive a payment statement, but it may look slightly different than your current statement. If your payment was automatically debited from your checking or savings account, you will receive a courtesy payment statement.
Q: Will I continue to receive a payment statement for my installment loan or mortgage loan?
A. Yes, accounts with active balances will continue to receive a payment statement, but it may look slightly different than your current statement. If your payment was automatically debited from your checking account or savings account, you will receive a courtesy payment statement.
Q: Whom will my year-end tax information come from?
A. Your year-end tax information will come from United Community Bank and will be postmarked by the required date of January 31, 2020.
Q: When should I notify my insurance carrier where to send my insurance policy covering the collateral that secures my loan?
A. On or after August 19, 2019, please notify your insurance carrier to update the Loss Payee Clause or Mortgagee Clause on all collateral securing your loan(s) to:
You will receive a letter shortly after August 19, 2019, which will provide further details to update the Loss Payee/Mortgagee Clause on your loans.
Q: If I have questions regarding my escrow account, who can I call?
A. Please call or stop by your nearest branch. If the person you speak with is unable to answer your question, they will work with others to find an answer or resolution. You may also call 1-800-UCBANK1 and select option #4.
Q: If my mortgage loan currently has an escrow account, will the escrow balances be transferred to United Community Bank?
A. Yes, your existing loan escrow account balances will be transferred and serviced by United Community Bank beginning August 19, 2019. On or after August 19, 2019, if you receive an insurance bill or tax bill that needs to be paid, take them to your local United Community Bank office or send them directly to our Escrow Department by fax or mail to:
Q: Will automatic transfers continue from a linked First Madison Bank account for overdraft purposes?
A. Yes, any automatic transfers from deposit accounts or lines of credit that were set up on your First Madison Bank accounts for overdraft purposes will continue. Please refer to the Terms and Conditions guide for additional information about overdraft options and fees.
Q: How are overdrafts covered?
A. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. United may cover your overdrafts in two different ways:
Q: Will United Community Bank pay overdrafts on my ATM and everyday debit card transactions?
A.Yes, we may, at our discretion, authorize and pay overdrafts on your ATM and everyday debit card transactions if you authorize United Community Bank to do so. You may opt into Courtesy Overdraft with ATM and Debit Card coverage beginning Monday, August 19, by calling or visiting us at any of our branch offices.
Q: What are the standard overdraft practices that come with my account?
A. United may authorize and pay overdrafts for the following types of transactions for qualifying accounts:
However, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Additional details, including information about fees associated with standard overdraft practices, can be found in the Terms and Conditions guide.
If you have any additional questions regarding the transition of your account(s) or need further clarification, please don’t hesitate to contact your local branch.