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Business Credit Cards

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 creditup to $25,000. It only takes a few minutes, and you can have your funds within three days or less.

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.

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.

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 http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee 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

Does my business need ACH?

As a business owner, words like efficiency, convenience and cost-savings are music to your ears. But does your unique cash management symphony include payment processing? If you have not automated your payments with ACH you may be missing out on an opportunity to save money and improve your operations.
 
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The online fraud glossary.

Protecting yourself from online fraud and scams requires an understanding of how criminals operate so you can avoid their traps. Here's a checklist of their favorite tactics.
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Inflation – transitory or not?

The Chairman of the Federal Reserve has referred to recent spikes in measures of inflation as evidence of “transitory” inflation. This basically means Powell expects these spikes to be temporary– prices are up briefly in a response to a number of factors in the economy, and once those factors change so will the measures of inflation.
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Elan 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 us to learn about other available business loan and line of credit options. 

3 Upon credit approval.