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    1-800-822-2651

    Frequently Asked Questions

    General

    We will be providing 1099’s and 1098’s. For any questions or concerns regarding your tax reporting information please call or visit any of our branch offices.

    Follow this walk-through demo to learn how to reset your online banking password. View the Digital Demo.

    Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

    United Community's ABA routing number is 061112843.

    Our Customer Support representatives are happy to assist you.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    For email inquiries:
    In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    You may visit your local branch or update it within your Online Banking account. Within Online Banking, click Settings in the left menu, Address Change, update your address and submit.    

    Our convenient wire transfer services allow you to move money to and from your United Community Bank account. This is a fast and secure payment method that, in most cases, clears on the same day the transfer is requested.

    How to Receive a Domestic Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to: United Community Bank
    Routing number: 061112843
    Address:
    125 Highway 515 East
    Blairsville, GA 30512
    For Credit to: Your name and account number

    Allow 24 hours for a domestic wire transfer to credit to an account. The domestic incoming wire fee is $14.

    How to Send a Domestic Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Routing ABA number: Routing and transit number of receiving financial institution
    Address: Address of receiving financial institution
    For Credit to: Name, physical address, and account number of receiving party

    Domestic outgoing wire fee sent via Business Online Banking is $12. Otherwise, the fee is $30.

    How to Receive an International Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to:
    United Community Bank
    125 Highway 515 East
    Blairsville, GA 30512
    SWIFT BIC: UCOUUS33
    For Final Credit To: Your name and account number
    Allow Up to 7 days for an international wire transfer to credit to an account.

    International Incoming Wire Fee is $14. Currency conversion exchange rates may apply.

    How to Send an International Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Swift Code: The Swift code (sometimes called BIC code) for the foreign financial institution
    For Credit to: Name, physical address, and account number of receiving party

    For wires being converted to a foreign currency, some additional information may be required to remit funds. Please contact your local branch for additional information.

    The international outgoing wire fee is $50.

    For general questions about United products or services, call 1-800-UCBANK1 (1-800-822-2651) during these hours:

    • Monday–Friday: 8:00am–6:00pm ET
    • Saturday: 9:00am–12:00pm ET

    For online banking support, call 1-800-822-2651 during these hours:

    • Monday–Friday: 8:00am–6:00pm
    • Saturday: 9:00am–12:00pm

    You can also log in to your account to chat or send a secure email.

    See more ways to contact us

    Just enter your ZIP code or city and state in our locator to find branches near you.

    An independent government agency, the Federal Deposit and Insurance Corporation (FDIC) provides insurance to banks that protects their customers’ deposit accounts up to a certain amount if the bank fails. Look for the FDIC logo to make sure your bank is insured. (United is.) 

    Deposit accounts include:

    • Checking
    • Savings
    • Money Market
    • Certificates of Deposit (CDs)
    • Individual Retirement Accounts (IRAs)

    Deposit accounts don’t include investment accounts; investments aren’t insured.

    The insurance limits are:

    • $250,000 across all your deposit accounts
    • An additional $250,000  per IRA

    American Banker has named United the best bank to work for seven years in a row. 

    Take a look at our open positions across our 200 banking locations in Alabama, Georgia, Florida, North Carolina, South Carolina, and Tennessee.

    United is closed on these federal holidays: 

    • New Year's Day
    • Martin Luther King Jr. Day
    • Presidents Day
    • Memorial Day
    • Juneteenth National Independence Day
    • Labor Day
    • Columbus Day/Indigenous Peoples' Day
    • Veterans Day
    • Thanksgiving Day
    • Christmas Day

    Online Banking

    From the left menu bar:

    • Click or tap the Account Summary tab, all of your accounts will be listed in boxes to the right
    • Click or tap the account box you would like to see the transactions for and all activity should populate.
    • Click or tap the specific transaction you would like to see and if the item is a check the image will populate below the transaction. Transaction details will also display.

    Online Banking customers can delete recurring transfers as long as the transaction is initiated online. To do so, click Transactions on the left menu. Then, click Activity Center, click Recurring Transaction, click the Action button to the right of the transfer and click Cancel Series. Confirm.

    This is the same process for business customers. Treasury Management and Business Online Banking customers can contact Customer Support to assist in cancelling recurring payments or transfers. Call us toll-free at 1-866-270-6100, Monday-Friday, 8:30am-5:00pm, or email us at [email protected] for assistance.

    For email inquiries: In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    You can edit your account nicknames and show or hide account from Settings > Account Preferences. View the Digital Demo for step-by-step instructions.

    Our customer support representatives are happy to assist you with adding or changing the accounts you access within online banking.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am-5:00pm
    Or email us at [email protected]

    For Email Inquiries:
    In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

    View the Stop Payment Digital Demo for step-by-step instructions.

    Please note: It is the customer's responsibility to ensure the check has not previously cleared. Stop payment fees will apply. The Stop Payment fee will appear in the request box along with the number of days before the Stop Payment expires. The Stop Payment will expire 6 months from the date the Stop Payment is placed.

    Log in to Online Banking. Click Settings on the left menu, click Address Change, edit the Email address and submit.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management/Business Online Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am-5:00pm
    Or email us at [email protected]

    For Email Inquiries:
    In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    Transaction history and eStatements are available for 24 months from the date of enrollment forward within Online Banking.

    View this step-by-step demo to learn how to enroll in online banking. 
    View the Digital Demo here

    United Community Bank maintains rigorous security standards and procedures regarding unauthorized access to customer information. We allow the customer to choose their own unique Login ID and Password that identify the customer when logging on to Online Banking. The customer is required to select a target which will be their phone number as a call or text to receive a Secure Access Code (SAC). You will then enter the code on the Secure Access Code screen to gain access to Online Banking. In relation to technology, United uses the Secure Socket Layer (SSL) for transferring data and the highest type of encryption 128bit. SSL is the technology used to make sure that users establish sessions only with secure Internet sites. It protects data with (1) authentication, which ensures that the customer is actually communicating with the bank and not someone impersonating the bank, (2) encryption, the scrambling of transferred data so that account information cannot be intercepted and read by a third party and (3) data integrity, the verification that the information sent by the customer to the bank has not been altered during the transfer.    

    For Personal Account Holders: When you enroll using your primary account, you should see all accounts on which you are a signer and that are linked together. If you do not see all of your accounts, they may not be linked. For assistance, contact Customer Support at 1-800-UCBANK1 (1-800-822-2651). They will help you gain access to all of your accounts.

    For Business Account Holders: You can list all the accounts on the same Business Online Banking enrollment form.

    No. Once you have enrolled in Online Banking, Mobile Banking is ready to use. View the Digital Demo here.

    Further, mobile app users do not need to enroll for Mobile Deposit. If the account is designated as eligible, the Mobile Deposit function will automatically be activated and available the month following your enrollment in mobile banking and a deposit icon will automatically appear on the app screen.    

    Did you know you can bank from your cell phone using SMS text messages? Any mobile device that can send and receive text messages can connect you to your financial information.* View this Digital Demo for help enrolling in Text Banking. Once you activate text banking from within digital banking. Then when you send a text message to 226563 requesting information, we send a reply text with the requested information within seconds.

    Send any of these simple text commands to 226563 and receive up-to-date account information:

    • BAL list of account balances
    • HIST account history
    • XFER transfer amount from account 1 to account 2
    • HELP Website and phone number get help on text banking
    • STOP disable text banking for this mobile device #
    • LIST receive a list of available commands


    *Message and data rates may apply. Please check with your mobile carrier for details

    Your account should remain active even with long periods of inactivity. Your account will not be removed unless you request it and/or you close your account.    

    It is important that you input the correct account and personal information in order to successfully enroll in Online Banking. If you do not input correct information it will not allow you to enroll. After 5 failed attempts you will be locked out and must wait 24 hours to reattempt enrollment due to security reasons. If you continue to experience issues enrolling in Personal Online Banking, please contact our Customer Suppport team.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For email inquiries:
    In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    The Secure Access Code (SAC) is used as a security method to prevent someone other than you from gaining access to your account.

    When logging in to Digital Banking for the first time from any (unrecognized) computer or mobile device, you will be asked to select a "target" (text message or phone call depending on what contact information we have on file for you) to receive your Secure Access Code. Once you receive the temporary Secure Access Code from United Community Bank, enter it in the space provided in the login screen. You will be asked if you would like to register the computer/device you are using. Once you have registered your device, you will not be prompted for a Secure Access Code with future logins. However, if the computer you use is public or one which you do not regularly use, we recommend for your security that you “do not register” the device. View the Digital Demo here.

    PLEASE NOTE: If your computer is set to automatically delete browser history, even if you have already registered your device, you will need to add ucbi.com as a trusted site in your internet settings to avoid obtaining a secure access code at each log-in.

    If you need additional support, please contact us.

    If you perform a Funds Transfer by 6:00pm, that transfer should process on that business day.    

    Your security is our top priority. But we need your help.

    To ensure that your financial information is secure whenever you use the Internet, we’re asking you to take a few minutes right now to make sure you’re using the most current version of your Web browser. That’s because the browser—the software application that lets you surf the Web—also plays a huge role in protecting you and the data you choose to share when you’re online. The most common browsers are Microsoft Internet Explorer®, Mozilla Firefox®, Google Chrome™ and Safari®.

    As online fraud and theft evolves, browsers must become more secure with each new version. That’s why companies that provide Web browsers continually release patches to stay one step ahead of fraudsters. So it’s vital that individual users, like you, routinely apply the upgrades to stay protected-on your smartphone, tablet and computer.

    Always using a current Web browser is vital to keeping the information you share and the sites you visit secure. This includes the financial information you view and exchange while using Online Banking. Knowing you’re using the most current version is one of the best ways to give yourself peace of mind.

    There are many versions in use today that provide adequate protection. If you’re using any of these you’re in great shape:

    Android Mobile Operating System (OS): version 5.0 (Lollipop) and higher are supported
    Microsoft Internet Explorer® 11.0 or higher supported only through January 14, 2020. Please update your browser before that time for a secure online banking experience.
    Microsoft Edge: all versions supported
    Google Chrome™ 38.0 or higher
    Mozilla Firefox® 27 or higher
    Apple Desktop Safar version 7 and higher for OS X 10.9 (Mavericks) and higher
    Apple Mobile Safar version 5 and higher for iOS 5 and higher

    If you’re unsure which version you’re using, please refer to the browser identifier on our support page which displays the browser you are currently using to access this page. You may also check with the browser provider to make sure it’s current. To do this, simply visit the website of your preferred provider and navigate to their updates/patches.

    If you have questions or need assistance updating your browser, please contact us during business hours at 1-800-822-2651.

    The Online Banking Login area is conveniently located in the top, right-hand corner of every page on ucbi.com when accessing it from your computer, laptop or larger screen tablets. Simply select "Online Banking", enter your Login ID and Password, then click Log In. View the Digital Demo here.

    When accessing from a mobile phone or small tablet, tap the "LOGIN" to the right of the United Community Bank logo. It will expand so that you can select "Online Banking", enter your Login ID and Password, then click Log In.

    TEXT Link: Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST and we will text you the link

    Note: If you are a Personal Online Banking customer and have an Android or iPhone, you can use our Mobile Banking App! Simply download the United Community Bank Mobile App from your phone's app store.

    Online/Mobile Banking: Error messages such as Invalid Secure Access Code and Information Missing or Invalid will often display if there is a data entry error. Please be aware, the Login ID and password fields are case sensitive. If you receive this message, make sure your caps lock and number lock keys are not on and that you are using the correct case. If you still receive an error message, please contact Customer Support and our team will be happy to assist you.

    Statements: To read and/or print your eStatement, you must have Adobe® Acrobat® Reader installed. If you have Adobe Acrobat installed and still cannot view your statement, try to reinstall or update your Adobe Reader. If you still receive an error message, please contact customer support and our team will be happy to assist you.


    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    For email inquiries:
    In order for us to assist you, always include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, never Include your identification numbers (social security numbers, etc.) or account numbers.

    Password: Follow this walk-through demo to learn how to reset your online banking password. View the Digital Demo.

    Account Locked: If you’ve been locked out of your online banking account, select “Forgot Login/Unlock” on the login screen and fill out the requested information. For the step-by-step process, you can also watch our digital demos on account recovery.

    Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

    You can view your account balances anytime through online and mobile banking. To see your balances in online banking, select the “Account Summary” tab from the left menu bar. All of your accounts and balances will be listed in boxes to the right. You can then select any account and see all transactions and activity.

    For instructions on how to transfer funds between your accounts and to other United customers, click to view our Quick and Easy Guide to Online Banking and Bill Pay and go to pages 43–49. If you need further assistance, please call our customer support representatives at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    Secure Access Code

    Secure Access Codes are delivered to you using secure contact information that we have on file for your accounts. When you log in to UCB online banking from a new device or browser, you can choose to have your Secure Access Code delivered via text or by phone depending on what contact information we have on file for you. 

    View the Digital Demo to walk through the process.

    Please call us at 1-800-822-2651 during business hours so we may assist you.    

    There are several reasons this may happen. Most commonly this occurs when your browser settings are setup to delete cookies, or your browser cookie for Online Banking has been deleted since your last login. This can also happen if you are logging in with a different browser on the same registered device. You may have a program on your device that automatically deletes the cookie and that feature would need to be turned off or configured to accept and retain cookies from United Community Bank.

    If you would like to skip the need to enter a Secure Access Code on future visits, you will need to register your device, by selecting 'Register Device' during your initial login process. You will also need to ensure your browser is not set to automatically delete cookies when you go to register your device.

    If you continue to have any issues, please contact our online banking department at 866-270-7100.

    The Secure Access Code (SAC) is used as a security method to prevent someone other than you from gaining access to your account.

    When logging in to Digital Banking for the first time from any (unrecognized) computer or mobile device, you will be asked to select a "target" (text message or phone call depending on what contact information we have on file for you) to receive your Secure Access Code. Once you receive the temporary Secure Access Code from United Community Bank, enter it in the space provided in the login screen. You will be asked if you would like to register the computer/device you are using. Once you have registered your device, you will not be prompted for a Secure Access Code with future logins. However, if the computer you use is public or one which you do not regularly use, we recommend for your security that you “do not register” the device. View the Digital Demo here.

    PLEASE NOTE: If your computer is set to automatically delete browser history, even if you have already registered your device, you will need to add ucbi.com as a trusted site in your internet settings to avoid obtaining a secure access code at each log-in.

    If you need additional support, please contact us.

    If you have requested a Secure Access Code but have not received it, please contact our customer support representatives for assistance. You can securely chat with us within online banking, or you can reach us toll-free at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    Mobile Banking

    Yes. You can pay your bills as well as view and modify pending payments from United Community Mobile Banking, including the Mobile Banking App and Mobile web-based Banking.

    Note: This service is not available with text banking.

    No, but you do have to have a mobile cellular device. United Community also offers Text Banking. From any mobile phone with texting capabilities you can instantly view balances, recent transactions and receive text alerts.    

    Installing United Community's Mobile App on your mobile device is easy! Download it directly from the App Store for iPhone or Google® Play Store, go to Search and enter "United Community Mobile". Use your Personal Online Banking Access ID and Password to log into the app.

    Need help downloading the mobile apps? View our Digital Demos to download the United Community mobile app for iPhone here and Android here.

    View this Digital Demo to learn how to log in to the mobile app on your mobile device for the first time. 

    Once enrolled, you can easily access Mobile Banking by:

    App - Download the United Community Bank Mobile App for iPhone® or Android™, open the App and log in using your Online Banking credentials.

    Mobile Web-Based Banking – Using the Mobile Banking link obtained during enrollment, log in to Mobile Banking from your mobile web browser with your Online Banking credentials

    Text Banking – By sending text commands such as BAL, HIST or HELP to 226563. View the Digital Demo for assistance enrolling in Text Banking.

    There is no charge for enrolling in Mobile Banking.

    Message and data rates may apply. Please check with your mobile carrier for details.

    Yes, after 15 minutes.

    Yes, when accessing mobile banking via our United Mobile App and/or an authorized mobile device, there are measures in place to help protect your information:

    1. Your password is required each time you log in.
    2. Unless you choose to register the device, you will be required to get a Secure Access Code (SAC) in an effort to protect against phishing and other potential threats.
    3. Our system uses 128-bit encryption to mask your sensitive information.

    For text banking security, no detailed personal information is sent via this service. For this, you will view your accounts by nicknames you set, not by account numbers.

    If your phone is lost or stolen and you are enrolled in Mobile Banking, please contact our Customer Support team and they will be happy to assist you.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For email inquiries:
    In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

    Mobile Banking allows you to view your account balance, make deposits, transfer funds, search recent transactions, locate the nearest United ATM and even make payments all using your mobile phone.You can access all of the same accounts you can through Personal Online Banking, including checking, savings, Money Markets, CDs and loans. Message and data rates may apply. Please check with your mobile carrier for details.  

    View the Digital Demos below for step-by-step instructions to get started.

    Online/Mobile Banking: Error messages such as Invalid Secure Access Code and Information Missing or Invalid will often display if there is a data entry error. Please be aware, the Login ID and password fields are case sensitive. If you receive this message, make sure your caps lock and number lock keys are not on and that you are using the correct case. If you still receive an error message, please contact Customer Support and our team will be happy to assist you.

    Statements: To read and/or print your eStatement, you must have Adobe® Acrobat® Reader installed. If you have Adobe Acrobat installed and still cannot view your statement, try to reinstall or update your Adobe Reader. If you still receive an error message, please contact customer support and our team will be happy to assist you.


    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    For email inquiries:
    In order for us to assist you, always include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, never Include your identification numbers (social security numbers, etc.) or account numbers.

    Mobile Deposit

    Yes. United Community Bank maintains rigorous security standards and we have measures set up to review and stop the deposit (at the mobile device) if we detect specific concerns related to fraud or potential threat to your account security.    

    United Community Mobile App users do not need to enroll in Mobile Deposit. If you already have the United Community Mobile App (and the account is designated as eligible) the Mobile Deposit function will automatically be activated and  available the month following your enrollment and a deposit icon will automatically appear on the app screen. 

    Preparing to deposit a check using the Mobile Banking App is easy! Simply endorse the check in the specified area on the back of the check. The endorsement should be signed exactly as made out on the front. (For example, a check made out to ‘Johnny Smith’ should not be endorsed ‘John Smith.’) View the Digital Demo here.

    Helpful tips:

    • After taking a photo of the front and back of the check and verifying that it has been reviewed and accepted, you may want to date and write ‘Mobile Deposit’ on the front of the check to help you remember that the check has already been deposited.
    • We suggest that you keep the check for 45 days at which point you can then safely destroy or shred it.

    If a Mobile Deposit is rejected at the time a deposit is attempted, you will receive a message on your mobile device with a reason for the rejection. If a deposit is rejected in the processing stage, customers can contact Customer Support for verification.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    There is no charge for making Mobile Deposits.

    Message and data rates may apply. Please check with your mobile carrier for details.

    Although you must deposit one check at a time, there is no limit to the number of checks you can deposit per day. The default maximum dollar amount that can be deposited in a business day is $2500 (single or combined transactions). Mobile Deposit eligibility and limits are based on your specific relationship with the bank, such as, account balances, responsible account usage, etc. If you need to raise or lower the mobile deposit limit, contact your UCB branch for that request.

    United Community Bank reserves the right to modify or discontinue this service at any time.

    No, the check has to go through a review and approval process before it goes into your account. If approved, it should go into your account the next business day as long as you made the deposit before 5:00pm.

    Note: To help ensure a timely process, it is encouraged that checks requiring next day deposit be deposited at least 15 minutes prior to the 5:00pm cut off time. Some checks require longer to process, as such, some checks deposited too close to the 5:00pm deadline may not show up until some time after the following business day.

    Every check deposited will be reviewed for accuracy of the endorsement and deposit amount. Your deposit will not appear in your transaction history while the deposit is pending. It will appear in the transaction history once it is accepted and available for withdrawal. Remember, it’s your responsibility to view the account deposit history to see if the deposit was accepted or rejected.

    Mobile Deposit is an additional feature of United Community Banks Mobile App. This feature gives you the ability to deposit checks from your mobile device by taking a picture of the front and back of the check, then submitting these images for deposit. View the Digital Demo here.

    Note: This feature is currently available only for iPhone/iPad® and Android/Tablet™ devices.

    Message and data rates may apply. Please check with your mobile carrier for details.

    Check images will be available for a at least 24 months.    

    Personal or business checks made payable to you and drawn on  a U.S. bank can be deposited using United Community Mobile Deposit. 

    Here is a list of items that cannot be deposited via mobile deposit: 

    • Travelers checks
    • Savings bonds
    • Money orders or postal money orders
    • Federal government checks
    • Checks dated more than six months prior to the date of deposit
    • Checks previously presented as an electronic item
    • Checks or items not payable in United States currency
    • Checks or items drawn on a financial institution located outside of the United States
    • Checks or items previously converted to a substitute check as defined in Reg CC (IRDs)
    • Checks or items containing alteration to any of the fields on the front of the check or item, (including the MICR line), or which you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn
    • Checks or items payable to any person or entity other than the customer, or to the customer and another party
    • Remotely created checks as defined in Reg CC
    • Non-negotiable instruments such as promissory notes

    If a deposit is made before 5:45pm EST, the funds generally will be available the next business day. Deposits made after 5:45pm will not be proccessed until the following business day and made available the day after. (For example, if you deposit a check at 7:00pm EST on Monday, it will not be processed until Tuesday, with the funds available on Wednesday.) Business days include everyday except Saturday, Sunday and federal holidays.

    If you’d like to request an increase to your mobile deposit limits, our customer support representatives would be happy to assist you. You can securely chat with us within online banking, or you can reach us toll-free at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    Loan Payments

    Personal Online Banking customers can transfer available funds from a personal line of credit or home equity line of credit. Select Transfer/Deposit, then click Funds Transfer and then choose the accounts.

    Business customers should speak with your local lender to have this option added to Business Online Banking.

    Yes! To ensure your loan payments are made on time every month, you can set up recurring payments. This option is available for registered users and is not available as a guest.

    Another easy way to set up automated payments is to open a United checking or savings account online and set up scheduled online transfers free of charge.

    Make a Loan Payment

    Yes! But here’s a few things to remember:

    1. The loan can’t be a revolving line of credit as we do not process and payoff this loan type through the online loan payment system. Revolving lines of credit include Overdraft Protection, Home Equity Line of Credit, Personal Line of Credit or Business Line of Credit.
    2. The payment must be $5,000 or less and result in all outstanding principal, interest and applicable fees paid to $0.

    Make a Loan Payment

    In order to find out why a loan payment made from a debit card of another financial institution was declined, you will need to contact the financial institution who issued the card.    

    Payments made before 5:00pm Monday – Friday (excluding bank holidays) will post the same day and be applied to your loan balance. Payments made after 5:00pm, on bank holidays, or on weekends will post and be applied to your balance the next available business day.
    Make a Loan Payment

    The payment will appear on the statement with the description, “United Loan Payment.”

    There is no fee for making an Online Loan Payment

    Make a Loan Payment

    The username must be at least 5 characters. You may use uppercase and lowercase letters and numbers. The following special characters are allowed (_ . @ ‘ # $ -). Special characters cannot be the first or last character of the username.

    The password must be at least 8 characters and should contain at least three of the four following character types: uppercase letters, lowercase letters, numbers, and special characters.

    From the login screen, click “Forgot Username” or “Forgot Password”. The system will provide the challenge questions and allow you to obtain your username and reset your password.

    If you are unsuccessful in resetting your password or need additional help with your username, please contact customer service at 1-800-UCBANK1 (1-800-822-2651) Monday–Friday 8:00am–6:00pm EST and Saturday 9:00am–12:00pm EST

    The following forms of payment are accepted through the online loan payment system:

    • Debit card
    • ACH - bank account and routing number

    Make a Loan Payment

    The maximum payment allowed per transaction is $5,000.

    Email notifications will come from [email protected]

    Text confirmation notifications will come from 795-15

    Most standard loan types are eligible for making payments through the online loan payment system.

    Make a Loan Payment

    Whether you’re looking for a loan to finance a car, home improvements, or anything else, a loan calculator can help you answer the question, “Can I afford this?”

    An online lending calculator is a quick and easy way to get an idea of how a loan could fit into your budget. These calculators let you plug in different loan amounts, interest rates, and terms. In seconds, you can get a good idea of how much your monthly payments might be and how long it might take to pay off the loan.

    Start calculating:

    Debt consolidation loans combine multiple loans and lines of credit, including credit cards, into one monthly payment with a lower interest rate.  

    Pros:

    • Lower interest rate
    • Simplified payment process
    • Ability to pay down debt faster
    • Potential to improve your credit score
    Cons:
    • Loan origination fees and closing costs
    • Temptation to take out more debt on the consolidation loan
    To learn more, read the article: The Pros and Cons of Debt Consolidation.
     

    When you borrow money to buy a car, you’ll pay it back monthly plus interest and fees. The lender will own the title until the loan is paid off. They can also repossess the car if payments aren’t made.

    Check out this article to learn more: What to Know About Auto Loans.
     

    The amount you’ll pay each month depends on:

    • The total amount of your auto loan 
    • How long the loan is for (number of years, or term) 
    • Annual percentage rate (APR), which includes interest and fees
    Your APR will be based on:
    • Your credit score 
    • Whether you’re buying a new or used car
    • The length of your loan
    You can reduce the amount you’ll owe by:
    • Increasing your down payment
    • Trading in an old car, with its value going toward your down payment
    • Improving your credit score to lower your APR
    Use our car loan calculator to see what your monthly payments might look like.
     

    You’ll need to have these items on hand: 

    • Driver’s license information
    • Pay stubs
    • Social Security Number
    The auto loan process is typically quick and straightforward. Your lender will check your credit history and review your income and expenses.

    Mortgage

    Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage 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).

    Mortgage lenders like United take several factors into consideration, including your credit score, debt-to-income ratio, employment history, and assets. You can get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus—Equifax, Experian, and TransUnion—by visiting www.annualcreditreport.com.

    It will depend on a number of factors, including the interest rate, how much you have for a down payment, your current income, and your current debt. Use this home affordability calculator to quickly crunch the numbers and get a better idea.

    The interest rate on a fixed-rate mortgage stays the same throughout the life of the loan. With a fixed-rate mortgage, you don’t have to worry about your rate going up and causing a bigger monthly payment than you’ve planned on.  

    The interest rate on an adjustable-rate mortgage (ARM) can chane over time. Usually, the rate is lower than the market rate for the fixed-rate period of the loan typically seven to ten years, and then it’s adjusted on a set schedule based on the current market rate.

    The schedule will be in your loan terms. Adjustments may be madeevery six months. Some ARMs come with a cap on how much interest you’ll be expected to pay so you have an idea of how high your payment may rise.

     

    You can change, but you’ll need to refinance through a new loan, which will come with closing costs and appraisal fees. Work with your mortgage lender to fully understand the math of what you’ll be spending and what you’ll be saving.

    Conventional loans are offered by banks and other private lenders with no guarantee from the government that they’ll be paid back. Government-backed loans are also offered by banks and other private lenders, but the government guarantees they’ll re-pay the loan if the borrower doesn’t.

    There are three types of government-backed mortgages:

    • FHA loans are guaranteed by the Federal Housing Administration to make homebuying more affordable, especially for first-time homebuyers. FHA loans have lower interest rates and lower credit score and downpayment requirements than conventional loans.
    • VA loans are guaranteed by the Department of Veterans Affairs to help active-duty service members and veterans buy a home. VA loans have lower interest rates and credit score requirements than conventional loans. There’s no down-payment or private mortgage insurance (PMI) requirement.
    • USDA loans are guaranteed by the US Department of Agriculture to stimulate development in rural areas. USDA loans have lower interest rates and credit score requirements than conventional loans and no down-payment requirement.

    The Federal Housing Finance Agency (FHFA) sets the maximum amount mortgage loans should be to conform to their underwriting guidelines. It’s possible to qualify for a higher amount through non-conforming jumbo loans.

    These loans are riskier for the lender and usually come with higher interest rates and higher standards for credit scores. You may need a low debit-to-income ratio and an excellent credit score above 700 to qualify. You may also need to show you have cash reserves to cover the first six months or year of mortgage payments.

    United Community offers our PATH loan to help more people buy homes, especially in underserved communities. (PATH stands for “Possibilities Achieved Through Homeownership.”)

    PATH loans don’t have a down-payment requirement, meaning you can move forward with buying a home even if you haven’t saved up for a down-payment. PATH also doesn’t have a private mortgage insurance requirement, so more of the money you pay each month goes toward paying down the money you borrowed to buy the home.

    A doctor loan, also known as a physician mortgage or medical professional mortgage, is a loan designed for the unique financial situation of medical professionals, like doctors, dentists, optometrists, physician assistants, nurse practitioners, and veterinarians who are looking to buy a home. Medical professionals often have high student loan debt and inconsistent income, especially when they’re just starting out.

    Medical professional mortgages often have more generous debt-to-income ratio requirements and lower down-payment requirements than conventional loans. They may also not require private mortgage insurance (PMI).

    It's a letter from a mortgage lender like United that provides an estimate of the amount you pre-qualify for based on financial information you have provided so far. You can use the letter to show real estate agents and home sellers that you’re a serious homebuyer. It’s not a guarantee that your loan will be approved, but it indicates you’re well on your way.

    After you apply for a loan, your mortgage loan originator will ask if you want to lock in your interest rate. It’s a lender’s guarantee that your interest rate won’t change for a certain period of time, even if market rates go up. The lock is a holding period designed to last throughout the mortgage process and closing day.

    New home construction loans are available to qualified borrowers who are building instead of buying. They usually have a shorter term and a higher interest rate than mortgages for existing homes. The term is typically one year, and the construction has to be finished in that timeframe.

    To qualify for a home construction loan, you’ll need to provide a construction agreement, a detailed construction schedule, and a complete construction budget.

    You can use a home renovation loan to make your home more comfortable, add living space, or increase its value. Common renovations are remodeling kitchens and bathrooms, upgrading windows and doors, adding outdoor decks or pools, and finishing an attic or basement.

    Take a look at 5 home improvement projects that pay off.
     

    With a cash-out refinance, you can turn your home equity into cash for any purpose, not just home improvements. Common reasons for a cash-out refinance are consolidating higher-interest credit card debt at a lower interest rate and paying for higher education.

    With a cash-out refinance, the amount of your loan and your monthly payments will go up, but the interest rate on the cash you take out may be lower than other alternatives.

    To learn more, check out this article: How Does a Cash-Out Refi Work?
     

    You don’t. There are two other options: a home equity loan (HELoan) and a home equity line of credit (HELOC).

    A HELoan is a second mortgage that usually has a fixed interest rate and monthly payments of the same amount every month. A HELOC works more like a credit card, but the interest rate is typically lower than a credit card.

    You have a maximum amount you can borrow as needed. HELOCs usually have a variable interest rate and monthly payments that may go up or down.

    Take a closer look at the differences: Should You Consider a HELOC or HELoan?

    Do your best to pay your bills on time and keep your credit card balances as low as you can. As you pay off credit cards, keep them open to show your good payment track record. If you’re in trouble with credit card debt, consider talking to a credit counselor.

    Get seven more tips for improving your credit score.

    You can make extra mortgage payments or extra payments on mortgage principal to pay off your mortgage faster. Consider putting financial windfalls like tax refunds toward your mortgage. Other ways include refinancing at a lower interest rate or for a shorter term.

    To get more ideas, read this article: 4 Strategies to Pay Off Your Mortgage Faster.

    Amortization, escrow, FICO score. Learning about the mortgage process can feel like learning a whole new language. We’ve put together this mortgage glossary to help with the translation. Bookmark it for quick reference and ask your mortgage lender as many questions as it takes to make homebuying decisions with confidence.

    Bill Pay

    Yes. You can pay your bills as well as view and modify pending payments from United Community Mobile Banking, including the Mobile Banking App and Mobile web-based Banking.

    Note: This service is not available with text banking.

    Yes, Tap on Pay Bills/People on the left menu, then Tap Add Payee at the top to add a payee.

    Important: Keep in mind this is the mobile version of Bill Pay. It is not the full version of Bill Pay that is available from a desktop. The mobile version of Bill Pay will allow you to add/edit single payments, but you cannot edit recurring payments or E-bills. Please login to your online banking from a tablet or computer to access the full Bill Pay.

    Personal Online Banking customers can cancel payments from within Bill Pay on the Pending Payment list and selecting the Cancel button beside the payment you would like to cancel. This will remove the transaction. If you would like to add the payment back to the system, you will need to reenter the transaction.

    Treasury Management and Business Online Banking customers can contact Customer Support to assist in cancelling recurring payments or transfers. Call us toll-free at 1-866-270-6100, Monday–Friday, 8:30am–5:00pm, or email us at [email protected].

    For email inquiries: In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    Our Customer Support team is happy to assist you in getting any additional accounts added to Bill Pay.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am-5:00pm
    Or email us at [email protected]

    For Email Inquiries:
    In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers

    No. For your security, you will need to contact a customer support representative to assist you with changing the checking account that your bills are paid from.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    For email inquiries:
    In order for us to assist you, Always Include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, Never Include your identification numbers (social security numbers, etc.) or account numbers.

    You should verify there are no recurring payments set up that may automatically try to pay against this closed account. If you close a checking account that is set up for Bill Payment and then open a new checking account, your bills will not automatically be debited from the new checking account. You will need to contact our Customer Support team for assistance.

    For Online & Mobile Banking Support:
    Call us toll-free at 1-800-UCBANK1 (1-800-822-2651)
    Monday–Friday 8:00am–6:00pm EST
    Saturday 9:00am–12:00pm EST

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    For email inquiries:
    In order for us to assist you, ALWAYS INCLUDE your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a customer service representative to call you, please include your phone number and the best time to reach you. For your security, NEVER INCLUDE your identification numbers (social security numbers, etc.) or account numbers.

    If your Bill Pay item was not received by your payee, please contact our customer support representatives for assistance. You can securely chat with us within online banking, or you can reach us toll-free at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    Treasury Management

    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.

    Our convenient wire transfer services allow you to move money to and from your United Community Bank account. This is a fast and secure payment method that, in most cases, clears on the same day the transfer is requested.

    How to Receive a Domestic Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to: United Community Bank
    Routing number: 061112843
    Address:
    125 Highway 515 East
    Blairsville, GA 30512
    For Credit to: Your name and account number

    Allow 24 hours for a domestic wire transfer to credit to an account. The domestic incoming wire fee is $14.

    How to Send a Domestic Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Routing ABA number: Routing and transit number of receiving financial institution
    Address: Address of receiving financial institution
    For Credit to: Name, physical address, and account number of receiving party

    Domestic outgoing wire fee sent via Business Online Banking is $12. Otherwise, the fee is $30.

    How to Receive an International Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to:
    United Community Bank
    125 Highway 515 East
    Blairsville, GA 30512
    SWIFT BIC: UCOUUS33
    For Final Credit To: Your name and account number
    Allow Up to 7 days for an international wire transfer to credit to an account.

    International Incoming Wire Fee is $14. Currency conversion exchange rates may apply.

    How to Send an International Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Swift Code: The Swift code (sometimes called BIC code) for the foreign financial institution
    For Credit to: Name, physical address, and account number of receiving party

    For wires being converted to a foreign currency, some additional information may be required to remit funds. Please contact your local branch for additional information.

    The international outgoing wire fee is $50.

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    There are four easy steps to to transferring your account to United Community

    1. Open a new account online or in a branch
    2. Enroll in Business Online Banking to manage your accounts virtually
    3. Move your payments including recurring debits, payroll funding or any other repeating transactions
    4. Close your old account once activity has cleared and destroy any checks or cards
    For more information visit your local branch and speak to a banker today

    Our support team is standing by to help, Monday to Friday from 8:00am ET - 6:00pm ET. Contact them now at 1-866-270-6100 or send us an email at [email protected].

    We have a wide variety of Treasury Management products and services to meet the needs from small business to large commercial businesses. Our Treasury Solutions Consultants will tailor your services to fit your business's unique needs.

    No! Whether your company has 1 employee or 10,000, our Treasury Management team has a solution to help streamline your cash flow and make banking more convenient. Each customer's services are tailored to your business needs and capabilities to ensure it's best for you.

    Receiving payments and having that cash available in your account is a crucial step in the cash flow cycle. A receivables service such as Remote Deposit allows your business the opportunity to deposit payments any time of day and receive credit sooner.

    All of our services are tailored to fit your business needs. Even if you are your only employee, our Direct Deposit service can make your payroll process easier.

    Not at all! Our online banking is easy to use and our team will train you in your new payment method during your implementation phase. Our online banking is robust enough to handle complicated payment requests but still simple enough that a user with no technical experience can still make payments. If you are ever in need of help, our support team is standing by to walk you through any request.

    In addition to our standard online banking security, ACH and Wire payments require a second form of authentication, referred to as a Token, before being sent. You can also require a secondary approval for your payment method to ensure one employee cannot send a payment on their own.

    Some opportunities have several solutions, your payroll may be one of them. It may be difficult to decide which solution is right for your business. Luckily, our team has the expertise to make that decision easier. We'll get to know your business and make recommendations that fit your business needs.

    Exceptions are available starting at 8:30am ET and can be decisioned in online banking until 1:30pm ET.

    United's Positive Pay service will match the account number from the check and compare the check serial number, check amount, date of the check, and the Payee name (if enrolled) for all checks presented against the account.

    Yes, you can decision Positive Pay items on your mobile phone by downloading the UCBI Mobile App and signing in to your online banking.

    Your account structure will depend on your business. Our Treasury Management consultants have years of expertise and industry knowledge to make sure your money works for you.

    United Community has several customizable reports available to all users in online banking with no charge. Some of our reporting is more complex and United does charge for these robust services. Your Treasury Management consultant will review any fees with you and find the reporting solution that is right for your business.

    Yes, all reports can be downloaded in a variety of formats to fit your business needs. Standard reports options include PDF and CSV files.

    An ACH transfer goes through an interbank system for verification called the Automated Clearing House (ACH) Network. This makes it a great option for easy to use, secure payments. A wire transfer goes directly to a receiving bank without the intermediary system. This will typically save processing time for a transaction and show up immediately.

    United's cutoff time for Same Day ACH transactions is 2:00 pm ET*

    *Additional fees apply. Contact your Treasury Management team for more information.

    Yes, United does allow you to upload a NACHA compatible file for ACH Origination

    Debit Cards

    If your debit card has been lost or stolen, it is important that you report it to us immediately. Immediate reporting ensures potential losses will be kept to a minimum.          

    During normal business hours: Call 1-800-UCBANK1 (1-800-822-2651) to speak with our Customer Contact Center.

    After hours: Call 706-439-6600, then follow the prompts to be directed to the Card Center in order to report and block your lost or stolen card. You will then need to contact your local branch or call 706-439-6600 during business hours to speak with our Customer Contact Center the next business day to order a replacement card.

    Card Controls: If you are using United's Card Controls App, log into the app and set the lost card to the OFF setting, then call 706-439-6600 the following business day to order a replacement card.

    You will no longer be able to use your card within Apple Pay™, Android Pay™ or any of our mobile wallet solutions, so be sure to remove the card. When you receive your new card, you will need to add the new information to the mobile wallet solution that you use.

    You can use Card Controls on your Apple® iOS or Android® devices. View the Digital Demo to get started with Card Controls.

    If you’d like to request an increase to your debit card limits, we’d be happy to assist you. You can reach out to your local branch office for support, log in to online banking and securely chat with us, or call our Customer Contact Center at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    If you notice that you have debit card transactions that have posted to your account that you do not recognize or you did not authorize, you should take the following steps:

    • Make sure you have not lost your debit card. If you have lost your card, please call 1-800-822-2651 as soon as possible.
    • If you have your card, call the number on the back of your card as soon as you notice unauthorized transactions.
    • If the transactions are in a ‘pending’ status, they cannot be disputed until they post to your account.
    • You can complete a dispute over the phone by calling 1-800-822-2651 and choosing option 3 then option 2 during our standard business hours (Monday–Friday, 8:00am–6:00pm, and Saturday, 9:00am–12:00pm). You can also set up an appointment online through our website or your mobile app to visit your local branch office. This cannot be completed by email.

    You can set up a travel notice within your Card Controls app. View the demo here. If you do not have online banking or need further help, please call our customer support representatives at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    Our fraud team has certain safety restrictions set with our debit cards to protect our customers. However, restrictions are not based on the amount of a purchase (unless you exceed your daily limit). Purchases could be restricted on the type of online vendors used which could be on a high fraud list.

    We offer tools to manage your debit card preferences by downloading the Card Controls app. For a step-by-step guide to set up Card Controls, click here. If you need further assistance, please call our customer support representatives at 1-800-UCBANK1 (1-800-822-2651) between the following hours:

    • Monday–Friday, 8:00am–6:00pm ET
    • Saturday, 9:00am–12:00pm ET

    All United checking accounts come with a United Mastercard® debit card. We offer four different types of checking accounts, including accounts specifically designed for students and people 55.+

    Compare checking account options.
     

    They do. You’ll be able to see transactions in real time in your available balance on Digital Banking and Mobile Banking. Transactions may not appear in your history until the next business day.
     

    With United’s free, secure fraud alert service, you receive a text every time a transaction is made on your debit card to help you stay a step ahead of fraud.

    Yes. You can store your card securely in Click to Pay. Then just look for the Click to Pay icon when you check out online using your desktop computer, laptop, tablet, or smartphone.

    Watch a quick tutorial.

    In a card cracking scam, a fraudster tempts people to provide their debit card PIN number by promising an opportunity to make easy money. The scam usually starts with a direct message on social media. Don’t respond to these messages and never give your PIN number to anyone. Report the suspected scam to the social media site to help others stay safe, too.

    Check out these articles for more fraud prevention tips:

    Merchant Services

    Please call us at 844-496-1313 for assistance with your account.    

    A POS system is a combination of software and hardware (like a tablet or laptop) that helps merchants manage sales, inventory, and customer information.

    Different POS systems come with different capabilities, costs, types of payments accepted, and levels of customer service.

    Clover, Square, and PayPal are three popular options.

    For a side-by-side comparison, read the article: What’s the Best POS System for Your Business?
     

    United chose Clover as the POS system offering through our Merchant Services. We chose Clover over Square and PayPal because Clover:

    • Accepts the most payment types
    • Provides the most opportunities to customize and add apps
    • Offers the most robust customer service
    • Has the most flexible hardware options—beyond card readers and including countertop and handheld devices
    Learn more about Clover.
     

    Convenience, security, and payment choice for customers top the list.

    • Extensive capabilities for payment management, inventory tracking, employee scheduling and timekeeping, plus payroll—all in one place
    • Built-in security and fraud prevention to help protect you and your customers
    • Wide range of payment types accepted, including EMV® chip cards, Apple Pay,® Google Pay, and Samsung Pay.®

    Clover comes with several built-in reports, plus the ability to customize and drill into data:

    • Revenue streams
    • Real-time sales across locations
    • End-of-day gross sales, sales per employee, refunds, and credit card transactions by card type
    • Monthly sales trends
    • Busiest times
    • Best-selling and worst-selling items
    • Highest and lowest performing team members
    • Refund and discount volume
    • Tax preparation

    Clover POS integrates with many other popular business solutions, including:

    • Yelp
    • Time Clock
    • Payroll
    • QuickBooks
    • Woo

    External Link Disclaimer

    You are leaving United Community and being directed to a third-party site that is not maintained, owned or operated by United Community Bank. United Community does not control and is not responsible for the privacy or security practices of the third-party. By clicking “Accept,” you are requesting to be transferred to the third-party website. If you do not want to visit the page, you can close this page by clicking "Return To Site”.