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Business Credit Cards

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Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

Free online expense reporting tools.
No fee for additional employee cards.
Mobile payment capability for added convenience.
Zero Fraud Liability.¹ You won’t be liable for fraudulent purchases when your card is lost or stolen.
Cardmember Service available 24 hours a day/365 days per year.

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Other business banking solutions.

Business Minute Lender²

Apply for a loan or line of credit³up to $25,000. It only takes a few minutes, and you can have your funds within three days or less.

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Debit Cards

United debit cards include top-tier Mastercard® features that are perfect for your everyday purchases. Learn more now about all the fantastic card benefits.

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Cash Management Services

Your business is unique. Your Cash Management should be too. We specialize in providing the tools you need to efficiently manage the finances of your business and save you time and money.

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Frequently Asked Questions

Who do I contact if I have questions about my business loan?

Stop by one of our locations near you to speak with a loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies. Please include your name, address, and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092

Fax: 1-248-710-1630

You may also submit your insurance policy online at expressinsuranceinfo.com/3076927

Please ensure that the mortgage clause on the new policy matches the name and address above.

What number do I call if I have a question about my insurance?

Please call our Insurance Department at 1-888-801-6590 for questions about an insurance notice or if you change insurance providers.

What SEC code should I use when originating ACH transactions?

When you originate ACH, you are directed to select a three-character code that identifies the recipient of the transaction. Please be sure you’re selecting the correct SEC code:

Select PPD if the recipient is a person or consumer and written authorization is obtained.
Select CCD if the recipient is a company or organization and written authorization is obtained.

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Learning Center

Rising Rates & Starting Your Business

We’ve all heard that rates are rising. But what does this mean for your business?

In an environment like this, it’s important to take a step back and look at the big picture. Both for the prime rate itself and for your business.

Read Article

Tips for Your Business’s Next Build

By Jason Sleeman, National Craft Beverage Lender

As you probably know, construction is currently expensive and slow. We’ve seen recent projects double in cost from initial plans. Timeframes for getting architecture drawings and GC contracts have been up to 90-120 days. With all of this in mind, there are a few things you can do to ensure your next project is a success.

Read Article

Tips to Protect Your Mobile Identity

We do pretty much everything on our mobile devices—buy groceries, schedule the bug guy, pay bills, even date. Keeping your information secure is more important than ever. Use these tips to protect yourself against mobile device fraud.

Read Article

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¹Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

² Limits apply. Business Minute Lender offers unsecured business loans and lines of credit only. Please contact a branch office for additional personal loans and lines of credit, including those secured by a Certificate of Deposit or other collateral. Once a Minute Lender loan is obtained by a customer using a deposit relationship, anyone with account affiliations with that customer is ineligible for a Minute Lender loan. As an example, if Customer A and Customer B are owners or signers on a deposit account and Customer A obtains a Minute Lender loan, Customer B is ineligible for a Minute Lender loan. These limits apply even if Customer B maintains additional deposit accounts that are not affiliated with Customer A. As an alternative, ineligible customers may reach out to your local branch for additional lending options.

³ Upon credit approval.