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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.
Learn More     Apply Now

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

What’s the best POS system for your business?

Owning a business can be demanding – you have to stay on top of tracking inventory, supervising employees, taking orders and everything in between. Luckily, there are point-of-sale (POS) systems that can now do much of the tedious work for you.

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Avoid these 5 retirement-planning blunders

If you’re like many small-business owners, you are so sharply focused on running your business that your personal retirement planning may not receive the full attention it deserves. You can help ensure that you’re on the path to a satisfying retirement by dodging these five common missteps.

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Disaster relief loans for business

Since COVID-19, many businesses are asking a new set of questions. What if something like this happens again? What if another pandemic or an economic disaster derails my business, making it impossible to keep up with my operating expenses? Having a disaster recovery plan is essential in times of crisis, and your plan should address the need for emergency funding and disaster relief.

Read Article

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.