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Aquesta Bank Joins Forces with United Community Bank

United Community Bank and Aquesta Bank have joined forces to expand their shared commitment to quality service throughout North Carolina communities. As institutions built on foundations of service, we are dedicated to our customers and our communities.

The combined bank will provide Aquesta customers with expanded access to United’s personal banking, business banking, and wealth management solutions, while maintaining the customer focus and local decision-making you have come to expect. Together, we are excited to continue providing personalized financial solutions to you, our valued customers.

We understand you may have questions, and we’re committed to keeping you informed throughout the transition process. At this time, there is nothing you need to do. You should continue to conduct your banking as you always have with the same great team you know and trust.

Below, you will find related information and resources. We will continue to update you here, as well as through a variety of direct communications and general public announcements, as more information becomes available.

Key Dates: What to Expect and When

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Online and Mobile Banking including Bill Pay

Friday, November 10

The Bill Pay service will be temporarily inaccessible from 5:00pm on Wednesday, November 10, until Monday, November 15, at 8:00am. Your Bill Pay payees and scheduled payments will be automatically transferred and processed, so there is no need for you to reenter the information.

Friday, November 12

The Aquesta Mobile Banking app will be turned off at 5:00pm on Friday, November 12, while we transition to a new and improved system. Mobile deposits made after 4:00pm will not be processed. The Aquesta Mobile Banking app should be deleted from all tablets and mobile devices after Friday, November 12.
 
The Aquesta Online Banking system will remain accessible in “view only” mode through the weekend. You will be temporarily unable to initiate transactions, including transfers, while in “view only” mode.

External transfers will not be processed after Friday, November 12. External accounts and future-dated transactions may need to be reestablished in the new United Online and Mobile Banking system before any external transfers can be processed.
 
Any future-dated and recurring internal transfers in Online Banking will convert to the new United Online and Mobile Banking system.

Monday, November 15

Beginning Monday, November 15, at 8:00am, visit ucbi.com to access the new United Online and Mobile Banking system.

Download the United Mobile App from the Apple or Google Play stores to access Mobile Banking.
 
If you use Online Banking Alerts, you will need to recreate them once you’ve signed in to the new Online Banking system. EBills within the Bill Pay service will need to be reestablished.



Debit Cards

Friday, October 22

If you currently have an Aquesta debit card(s), you will be mailed a new United Community Bank Mastercard® debit card(s). Please keep the card, but don’t use it until after Friday, November 12, at 6:00pm, continue using your current Aquesta debit card(s) until then.

Friday, November 12

Begin using your new United Community Bank Mastercard® debit card(s) beginning at 6:00pm on Friday, November 12. You will need to activate your new debit card and select a PIN prior to using it. Debit cards may be activated at your convenience prior to or after November 12 at 6:00pm by calling 800-992-3808.
 
Debit cards issued by Aquesta Bank may not be used after November 12 and should be safely discarded.

Monday, November 15

Provide your new debit card number to any merchants currently using your card as a payment method for recurring bills to begin using on Monday, November 15.



Statements and eStatements

Friday, November 12

You will be mailed an interim bank statement from Aquesta Bank with balance and transaction information through November 12, 2021. After that date, we will resume regular statement cycle dates.

Up to 24 months of eStatements and transaction history will be available within the new United Online and Mobile Banking system. However, there may be a temporary delay accessing eStatements following the transition to the new system on Sunday, November 14. Prior to Friday, November 12, you may find it beneficial to print or save existing documents that you may need to access at a later time.



24-Hour Telephone Banking

Friday, November 12

24-Hour Telephone Banking will be temporarily unavailable as of Friday, November 12, at 4:00pm and will remain unavailable Saturday and Sunday, November 13–14.

Monday, November 15

24-Hour Telephone Banking will be available as of 8:00am on Monday, November 15, by dialing 800-UCBANK1 (800-822-2651). The last four digits of your tax identification number will serve as your temporary 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 more.



Loan Account Number Change

Friday, October 22

Deposit account number(s) will remain the same. However, if you currently have a loan or line of credit with Aquesta Bank, your account number(s) will be updated to ensure it remains compatible with United Community Bank’s operating system. A letter will be mailed on October 22 that includes your new account number information.

Monday, November 15

Loan payments automatically drafted from an account at United Community Bank (formerly Aquesta Bank) will be automatically updated and no action is required. Beginning Monday, November 15, you can make your payment at any United Community Bank location or you can mail it to: United Community Bank, P.O. Box 249, Blairsville, GA 30514.
 
Your attention is required if your loan payment is being automatically drafted or issued from a different financial institution or Bill Pay service. Please contact your financial institution or Bill Pay service provider and provide your new loan account number(s) along with the following information to begin using on Monday, November 15:
United Community Bank
P.O. Box 249
Blairsville, GA 30514
ABA #: 061112843

Online and Mobile Banking: Getting Ready

Beginning Monday, November 15 at 8:00am, you will enjoy a new online and mobile banking experience where you can view and manage your bank accounts right from your desktop, tablet, or smartphone.

To ensure that the transition to the new Online and Mobile Banking system is as smooth as possible, please take a few moments to read the following tips to get ready:
  1. Update your Internet browser. An updated browser is the gateway to a better and more secure online financial experience. It’s vital to use the most current version of your preferred browser. Please take time to update your browser now.
  2. Update your email address, telephone number, and mobile number within your current Aquesta Online Banking system. It’s important we have this information so we can communicate with you about the planned upgrade, including sending your new Secure Access Code (SAC) so you can sign in to the United Online Banking system. Note: Secure Access Codes will be distributed by United Community Bank.
  3. Update financial software. If you utilize financial software such as Quicken® or QuickBooks™, there will be additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system.
  4. For mobile users: delete your Aquesta Mobile App from all devices after Friday, November 12.

Frequently Asked Questions

Below are some of the most frequently asked questions concerning the transition of your accounts. You will also receive a series of notices from us that provide more detailed information on upcoming changes. See the United Community Bank Welcome Guide for addtional FAQs.
 
Why are changes being made to my accounts, debit card, and online banking system?

On October 1, Aquesta Bank and United Community Bank joined forces in order to deliver the same personalized care you enjoy today, with the added benefit of expanded services to meet your needs, goals, and aspirations. You will continue to enjoy the same convenience and service from the team of bankers you know and trust, at the same locations.

Aquesta Bank’s operating system will be fully integrated into United’s the weekend of November 13. As a result, the accounts and services you have with Aquesta Bank will undergo some changes. Effective November 13, all of your accounts and services will be subject to the Terms and Conditions.

More than anything, we are working to ensure these changes are as seamless as possible.
 

Will the name remain Aquesta Bank?

Aquesta Bank will begin operating under the United Community Bank name, with a full transition in mid-November. The United Community Bank and Aquesta Bank teams will work diligently in the background to make this transition as seamless as possible for you.
 

Will I continue to work with my same bankers?
Yes, the bankers you know and trust are committed to assisting you through this system integration. Your banker is backed by a team of professionals who have a high commitment to client service and local relationships.
 
How will the merger impact me?
There will be no immediate effects for any Aquesta Bank customers. You should continue to conduct your banking as you normally do, and you will continue to experience the same great service from the local teams you know and trust.

Aquesta Bank will fully transition to United Community Bank in mid-November 2021. The United Community Bank and Aquesta Bank teams are working diligently in the background to make this transition as seamless as possible for you.

As we prepare for the full transition in mid-November, you may begin to see the United Community Bank name appear on some legal documents and contracts or see statements such as “United Community Bank d/b/a Aquesta Bank.” However, you should continue to conduct your banking as you normally do. We will notify you in advance if any action is needed.
 
Will my local banking office remain open?
Yes, you will continue to enjoy the same convenience and service from the team of professionals you know and trust, at the same locations you use today.
 
Will I have access to United Community Bank branches, ATMs, and ITMs?
Yes, beginning Monday, November 15, you may conduct transactions at all of United’s branches, ATM, and ITM locations throughout the Carolinas, Tennessee, Georgia, and Florida. Visit ucbi.com/locations for a complete list of United’s locations.
 
What changes are being made to any checking, money market, or savings account(s)?
All checking, savings, and/or money market accounts will automatically transition to a new product during the conversion. Please refer to the Terms and Conditions for important details about the changes to your account(s). This notice highlights changes to your account terms. Beginning November 13, the new Terms and Conditions will amend and replace your current account agreement with Aquesta Bank.
  • Your deposit account number(s) will remain the same.
  • An interim paper statement will be mailed on Friday, November 12. This statement will include activity on your account up to final processing.
  • As a courtesy, there will be no monthly maintenance fees assessed on your checking or money market account(s) during the first two statement cycles following conversion or your savings account(s) during the first quarterly statement cycle following conversion.
If you have any questions regarding your account type or the fees associated with your new account, please contact your banker or call us at 800-822-2651.
 
What if I want a different product?
Your banker will be happy to discuss a solution that best fits your financial needs.
 
Will there be any changes to my Certificate of Deposit (CD) or Individual Retirement Account (IRA)?
If you have a CD or IRA, the interest rate will not change until it matures. Please refer to the Terms and Conditions for additional information regarding these accounts.
 
Will I need new checks or deposit slips for my checking accounts?
Please continue using your current checks and checking deposit slips 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.
 
Will I need savings deposit or withdrawal slips for my savings account?
Yes, savings deposit and withdrawal slips issued by Aquesta Bank should be discarded after Friday, November 12. Please call 800-UCBANK1 or visit a branch office to request a complimentary replacement order.
 
Will direct deposits and automatic payments continue to process as normal?
Yes, 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.
If any merchants are currently using your Aquesta debit card as a payment method for recurring bills, please provide your new United Community Bank debit card number beginning Monday, November 15.
 
Will I continue to have access to 24-Hour Telephone Banking?
Yes, you will continue to access 24-Hour Telephone Banking by dialing 800-822-2651. You will be able to check your account balance, review your transactions, transfer funds, make a payment, report lost or stolen cards, and more.

The last four digits of your tax identification number will serve as your temporary PIN until you designate the PIN of your choice. Please note that your 24-Hour Telephone Banking PIN will be reset to the last four digits of your tax identification number even if you have a previously established PIN.

24-Hour Telephone Banking will be temporarily unavailable from Friday, November 12 at 4:00pm until Monday, November 15 at 8:00am.
 
What are the daily ATM, ITM, and point-of-sale transaction limits?
You may withdraw no more than $500 in cash per day and you may not exceed $3,000 in transactions per day using your debit card. Additional details may be found in the Electronic Fund Disclosure section of the Terms and Conditions.
 
Will I have to pay fees when I use a United Community Bank ATM or ITM?
There are over 150 ATMs and ITMs throughout the United Community Bank footprint that you can use with no fee. Additionally, United is a member of the Publix® Presto! network, which allows access to more than 1,220 ATMs nationwide with no fee. Please visit ucbi.com/locations for a complete list of Publix® Presto! and United ATMs or ITMs.
 
Will there be any changes to my safe deposit box?
Please refer to the Terms and Conditions for details regarding safe deposit box rental fees.
 
Will there be any changes with my Aquesta Bank credit card?
There will be no changes to your credit card account. Continue using your Aquesta Bank credit card as you normally do following the transition to United Community Bank. Credit cards will be issued under the United Community Bank name as cards expire or if they become lost, stolen, damaged, etc.
 
My business has Treasury Management Services. How will these transition?
United Community Bank will continue to offer comprehensive and cost-effective solutions to better help you manage cash flow and streamline business processes, including Online and Mobile Banking, ACH Origination, Wire Transfers, Positive Pay, and Remote Deposit Capture. Additional information about the Treasury Management services transition will be sent separately. We will work directly with you to ensure a smooth transition.
 
Whom will my year-end tax information come from?
Your 2021 year-end tax information will be issued under United Community Bank and will be postmarked by the required date of January 31, 2022.
 
Will there be any disruption in the Online and Mobile Banking service during the conversion?
Aquesta’s Online and Mobile Banking service will be turned off at 5:00pm on Friday, November 12, with no access until Monday, November 15, at 8:00am while we transition to a new and improved system.

You may begin using the United Online and Mobile Banking system beginning Monday, November 15, at 8:00am by visiting ucbi.com.
 
Will United Community Bank’s new Online and Mobile Banking system offer new features and functionality?
Yes, you’ll enjoy an enhanced Online and Mobile Banking experience that includes:
  • 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. All of the features available within Online Banking are also available within the new Mobile Banking App.
  • 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, categorize transactions, create budgets, and plan for your financial future.

Will there be any disruption in the Bill Pay service during the conversion?
The Bill Pay service will be temporarily unavailable beginning Wednesday, November 10, at 5:00pm until Monday, November 15, at 8:00am as we transition to a new Bill Pay system. Any payments scheduled to be delivered will be sent as all payees and scheduled payments will be automatically updated in the new Bill Pay service, so there is no need for you to re-enter the information. However, eBills will need to be reestablished.
 
Will recurring and future-dated external transfers set up in online banking automatically convert to the new system?
External transfers will not be processed after Friday, November 12, at 5:00pm. External accounts will need to be reestablished in the United Online and Mobile Banking system before any external transfers can be processed. We apologize for any inconvenience this may cause.
 
Why are Aquesta Bank and United Community Bank joining forces?
The combination of United Community Bank and Aquesta Bank will enhance United’s position in the high-growth metro Charlotte area, including the area around Lake Norman, along with Wilmington. It will also provide a unique opportunity for United to offer its expanded product line to Aquesta Bank clients.
 
The two banks have client-centric community banking philosophies that, combined, will provide the resources of a larger institution and expanded client access to commercial, retail and investment products and services, while maintaining the personal focus Aquesta Bank clients know today.
 
When did Aquesta Bank begin its transition into United Community Bank?
On October 1, 2021, Aquesta Bank officially became a part of United Community Bank, having received all required approvals from banking regulators. Until system integration of the two companies is completed this November 2021, Aquesta Bank will operate as a trade name of United Community Bank.
 
Where can I find additional information?
Aquesta Bank and United Community Bank issued joint announcements on May 27, 2021 and October 1, 2021 that includes some initial details. We will continue to update you through a variety of direct communications and general public announcements as more information becomes available.
 
Will my accounts still be FDIC insured?
If you do not have any pre-existing accounts with United Community Bank, then there will be no change to your FDIC insurance coverage. If you do have accounts at both United Community Bank and Aquesta Bank, the FDIC provides continuing separate insurance coverage for at least six months following the legal close on October 1, 2021.
 
Will you continue to operate under the Aquesta Bank name?
Initially yes; however, Aquesta Bank will eventually begin operating under the United Community Bank name, with a full transition in mid-November 2021. The United Community Bank and Aquesta Bank teams are working diligently in the background to make this transition as seamless as possible for you.

As we prepare for the full transition in mid-November, you may begin to see the United Community Bank name appear on some legal documents and contracts or see statements such as “United Community Bank d/b/a Aquesta Bank.” However, you should continue to conduct your banking as you normally do. We will notify you in advance if any action is needed.
 
Do I need to do anything right now with my accounts?
No, at this time there are no actions that need to be taken.  You should continue to conduct your banking as you normally do. United Community Bank and Aquesta Bank teams are working diligently in the background to make this transition as smooth as possible. We will notify you in advance if any action is needed.
 
Who do I contact if I have questions about my accounts today or concerns going forward?
If you have any questions and/or concerns, you should contact your local Aquesta Bank branch. Our teams are working closely together, and your local Aquesta Bank team will continue to be your trusted resource.

About United

  • Founded in 1950, United provides a full range of banking, wealth management and mortgage services for relationship-oriented consumers and business owners. The company, known as “The Bank That SERVICE Built®,” has been recognized nationally for delivering award-winning service.
  • United has $19.5 billion in assets and 171 offices in Florida, Georgia, North Carolina, South Carolina and Tennessee along with a national SBA lending franchise and a national equipment lending subsidiary.
  • In 2021, J.D. Power ranked United #1 in customer satisfaction with consumer banking in the Southeast, marking seven out of the last eight years United earned the coveted award. United was also named one of the "Best Banks to Work For" by American Banker in 2020 for the fourth year in a row based on employee satisfaction.
  • Forbes included United in its inaugural list of the World’s Best Banks in 2019 and again in 2020. Forbes also recognized United on its 2021 list of the 100 Best Banks in America for the eighth consecutive year.
  • United also received five Greenwich Excellence Awards in 2020 for excellence in Small Business Banking, including a national award for Overall Satisfaction. 

About Aquesta Bank

  • Founded in 2006, Aquesta Bank is a full-service bank with branches in Cornelius, Davidson, Huntersville, Mooresville, Charlotte, and Wilmington, North Carolina, and loan production offices in Raleigh, North Carolina, Charleston, South Carolina and Greenville, South Carolina.
  • Aquesta Bank’s track record of superior growth and profitability has been built on its focus of its core values of passion, vision, caring, empowerment and togetherness. The Aquesta team applies these values in helping its clients, communities and each other achieve success.
  • Aquesta has been recognized as a leader in the communities it serves including, Best Work Place (2020) and Normy Award for Best Community Bank.
  • Recently, Aquesta helped local businesses by being one of the top PPP loan producers in the country proportionate to its size, resulting in about 17,000 jobs being saved for small businesses across the Charlotte area.

Help

If you have additional questions regarding the transition of your account(s) or need further clarification at this time, please do not hesitate to contact your local Aquesta Bank team or call us at 800-UCBANK1 (800-822-2651).