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Fraud Prevention Services

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Be safe. Stay safe.

Let's fight the rise of fraudulent activity together. We offer multiple fraud prevention tools to help protect your business so you can manage risk and avoid the costly effects of check and electronic fraud.

Positive Pay

With Positive Pay, you provide us with the information on checks you write and we’ll compare it against the checks presented for payment. Any discrepancies will be noted as exceptions for your decision to pay or return each morning.
  • Automatically identify possible fraud without needing to manually review all transactions
  • Save time and money when fraud is detected by rejecting unmatched items before they post to your account
  • Receive email alerts and approve or decline transactions while on the go with the UCBI mobile app

ACH Positive Pay

With our ACH Positive Pay service, you have the option to preauthorize companies to draft funds from your account using ACH debit transactions. It provides alerts for all other ACH transactions, allowing you to review and approve or decline payments for any potentially suspicious activity. This ensures greater control and oversight over your account, enhancing security and peace of mind.

Check Block

Worried about the increase in paper check fraud? Take action. Block it. To avoid checks being deposited into the account, Check Block minimizes the threat of check fraud by automatically declining and sending back paper-based transactions, allowing the checking account to solely process electronic transactions.

ACH Debit Block

This feature grants you the capability to block and return ACH debit transactions on specific accounts. It automatically sends back any unauthorized debits to the originating bank, effectively safeguarding your accounts from fraudulent activity.

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.

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

Contact our Treasury Management Team

Fill out the form below, call 1-866-270-6100, or email TreasuryMgmt@ucbi.com to get in contact with the Treasury Management Services team. 

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