Frequently Asked Questions
General FAQs
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.
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
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
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).
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.
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.
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.
Personal Banking
Debit Cards
Compare checking account options.
- 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.
We offer tools to manage your debit card preferences with Card Controls.
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
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 Card Controls, log into online banking or the United mobile 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.
Turn your card off and on again
- Be in total control of your debit card. For example, turn your United Mastercard® debit card off with the touch of a button if your card gets lost or stolen.
Set spending limits
- Restrict your United Mastercard® debit card use by dollar amounts, specific retailers, locations and more.
Set up alerts
- With Card Controls, you can turn on alerts to get notified every time your United Mastercard® debit card is used.
- Monday–Friday, 8:00am–6:00pm ET
- Saturday, 9:00am–12:00pm ET
- Monday–Friday, 8:00am–6:00pm ET
- Saturday, 9:00am–12:00pm ET
Watch a quick tutorial.
Check out these articles for more fraud prevention tips:
Online and Mobile Banking
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.
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).
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.
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.
View this step-by-step demo to learn how to enroll in online banking.
View the Digital Demo here.
- Monday–Friday, 8:00am–6:00pm ET
- Saturday, 9:00am–12:00pm ET
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.
Transaction history and eStatements are available for 24 months from the date of enrollment forward within Online Banking.
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.
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.
Yes, it is important that you take a few moments to read the following tips to get ready:
- Update your browser. An updated browser is the gateway to a better and more secure online financial experience. It's vital to use the most current version of your preferred browser. If you are using Internet Explorer, you will also need to ensure that it is not running in Compatibility Mode. Also, if you would like to register your device and skip the need to enter a Secure Access Code on future visits, be sure to select 'Register Device' during the sign in process and ensure your browser is not set to automatically delete cookies. Visit our Digital Banking Support page to see which browsers are compatible.
- Update financial software. If you utilize financial software such as Quicken® or QuickBooks™, there will be some additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system.
- Enroll in Online Banking. View the Digital Demo to learn how to enroll.
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 Safari® version 7 and higher for OS X 10.9 (Mavericks) and higher
Apple Mobile Safari® 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.
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.
Secure Access Code
View the Digital Demo to walk through the process.
The Secure Access Code (SAC) is used as a security method to prevent someone other than you from gaining access to your account.
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.
- Monday–Friday, 8:00am–6:00pm ET
- Saturday, 9:00am–12:00pm ET
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.
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.
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
- Monday–Friday, 8:00am–6:00pm ET
- Saturday, 9:00am–12:00pm ET
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.
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.
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 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.
Zelle
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your United Community account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select United Community.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Since money is sent directly from your United Community account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 1-800-822-2651 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call our customer support team at 1-800-822-2651 to determine what options are available.
Your mobile carrier’s messaging and data rates may apply.
To locate your Zelle® QR code, log into United’s online and mobile banking, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log into United’s online and mobile banking, click “Send money with Zelle®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Didn't find what you are looking for? View all Zelle FAQs
Treasury Management
Call us toll-free at 1-866-270-6100
Monday–Friday 8:30am–5:00pm
Or email us 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.
- Open a new account online or in a branch
- Enroll in Business Online Banking to manage your accounts virtually
- Move your payments including recurring debits, payroll funding or any other repeating transactions
- Close your old account once activity has cleared and destroy any checks or cards
Loan Payments
Yes! But here’s a few things to remember:
- 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.
- The payment must be $5,000 or less and result in all outstanding principal, interest and applicable fees paid to $0.
Most standard loan types are eligible for making payments through the online loan payment system.
Email notifications will come from [email protected]
Text confirmation notifications will come from 795-15
The maximum payment allowed per transaction is $5,000.
The following forms of payment are accepted through the online loan payment system:
- Debit card
- ACH - bank account and routing number
The payment will appear on the statement with the description, “United Loan Payment.”
There is no fee for making an Online Loan Payment
Pros:
- Lower interest rate
- Simplified payment process
- Ability to pay down debt faster
- Potential to improve your credit score
- Loan origination fees and closing costs
- Temptation to take out more debt on the consolidation loan
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
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.
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:
Make a Loan Payment
Mortgage
As an example, let’s say your gross monthly income is $3,000. That means your mortgage should be no more than $840. Your other debts should be no more than $1,080. Make sure you have enough monthly income left over to cover necessities and save for an emergency.
To get more ideas, read this article: 4 Strategies to Pay Off Your Mortgage Faster.
- Steady monthly payments, without unexpected maintenance expenses.
- Freeing up cash for other types of investments or an emergency fund.
- The flexibility of being able to move more easily if you need or want to.
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.
- Lower upfront costs, with no downpayment or closing costs (although not all mortgages require a downpayment, and some allow you to roll closing costs into the loan.)
- No property taxes or surprise maintenance expenses.
- Flexibility to move easily, with less dependence on whether it’s a good time to sell your home.
- Not building equity or benefitting if the value of your home goes up over time.
- Potential rent increases or your lease not being renewed.
- Limited ability to customize a rental property like you could a home you own.
- Building equity as a long-term investment.
- Potential tax benefits.
- Freedom to customize your home to a larger extent than renting.
- Higher upfront costs, including a downpayment and closing costs (although not all mortgages require a downpayment, and some allow you to roll closing costs into the loan.)
- The cost of property taxes and maintenance expenses.
- Less flexibility and speed if you need or want to move.
Most of the costs of a loan are paid at closing, not during the process. You can expect to pay lender charges, title insurance charges, and attorney settlement charges. Most of your closing costs will go toward escrow accounts—they’re set up to pay for taxes and insurance and can be thousands of dollars.
An escrow account acts as a savings account and is managed by your loan servicer. A portion of your monthly payment is deposited into the account to cover your estimated taxes and insurance premium when they are called due.
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?
Get seven more tips for improving your credit score.
Take a look at 5 home improvement projects that pay off.
- Loan amount
- Interest rate
- Loan term
- Property taxes
- Homeowner’s insurance
- Private Mortgage Insurance (PMI), if your lender requires it
To learn more, check out this article: Your Monthly Mortgage Payment
To qualify for a home construction loan, you’ll need to provide a construction agreement, a detailed construction schedule, and a complete construction budget.
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?
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).
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.
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.
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 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.
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).
- Start saving for the downpayment, even if you can’t save much.
- Try to reduce your debt-to-income ratio (DTI).
- Keep an eye on property values where you want to buy. It’s possible they’ll go down over time and become more affordable.
- Wait for lower interest rates to reduce your monthly payment.
- Look into home affordability solutions like government-backed loans, including VA mortgage loans, PATH loans and downpayment assistance.
SBA Lending
- Operate for profit
- Be a U.S. Citizen or permanent legal resident
- Show profitable projections for start-up or expansion of a business
- Demonstrate reasonable equity to invest
- Cash and personal assets
- Investments or gifts
- Business assets
- Seller or third-party debt on full standby
- Combining two types of Seller debt for equity
- Ground-up construction;
- Purchase of real estate and/or leasehold improvements;
- Purchase inventory, equipment, furniture and fixtures;
- Refinance debt
- Start-up a business
- Acquire another business
- Finance a franchise
- 3-years Personal and Business Tax Returns in pdf format
- Formulated Business Plan
- Personal Financial Statement
- Driver’s License
- Bank Statements
- Business License and Entity Documentation
- Current Balance Sheet, Profit & Loss and Debt Schedules
Merchant Services
- 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, 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?
- Yelp
- Time Clock
- Payroll
- QuickBooks
- Woo
- 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
- 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
