Frequently Asked Questions

General

How do I send or receive a wire transfer?

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.

How will I receive my tax reporting for the year?

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.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.

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).

What is United Community's routing number?

United Community's ABA routing number is 061112843.

Who can I contact if I have questions?

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.

Online Banking

How can I see current transactions?

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.

Can I advance funds from a Line of Credit loan through online banking?

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.

How can I cancel a recurring payment or recurring transfer?

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 buttion 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.

How can I see current transactions?

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.

How can I stop a bill payment that I have submitted?

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.

How do I add/change the accounts that I can view online with Online and Mobile Banking?

You can edit your account nicknames and show or hide account from Settings > Account Preferences.

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

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.

How do I get a Secure Access Code (SAC)?

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.

How do I pay bills online from more than one account?

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

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

How do I request a Stop Payment online?

Log in to Online Banking
Click Transactions on the left menu,
click Stop Payment
and select Add Stop Pay.
Fill in the check details as requested.

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.

How do I update my email address?

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]

How long are my statements and account history available online?

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

How do I enroll in Online Banking?

There are several ways to enroll in Online Banking. A simple way would be starting on ucbi.com/login. Under Select Online Enrollment, choose Personal or Business and accept the terms and agreement. Next, click "Enroll Now" and fill out the enrollment form. Upon submitting the enrollment form, you should be prompted with the Login ID you select and then asked to select a target device for receiving your Secure Access Code (SAC). Once you enter your SAC, you will be prompted to set your new password.

How secure is Online Banking?

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.

I didn’t receive my Secure Access Code and my mobile phone number to receive the code is outdated. What should I do?

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

I have registered my device, but Online Banking prompts for another Secure Access Code. Why?

If I close a checking account that is set up for Bill Pay and open a new checking account, will my bills automatically be debited from the new checking account?

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.

If I have multiple checking and savings accounts, do I have to enroll each account for 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.

If multiple people are on the same Personal account, can those users access each other's accounts?

Only if the user is an owner or signer on that account or authorized to access the account by a signer or owner.

I'm being asked to register my device again when logging in to Online Banking. Why?

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.

Is there a limit to how often or how much I can deposit through mobile deposit?

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.

Is there a waiting period to use Mobile Banking or Mobile Deposit after enrolling?

No. Once you have enrolled in Online Banking, Mobile Banking is ready to use. Further, 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.

What commands can I use for Text Banking?

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.* 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

What do I need to do if I close my checking account and it is set up for Bill Payment?

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 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.

What happens if I do not access my Online Banking account for several months?

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.

What happens if I input the incorrect information in when enrolling in Personal Online Banking?

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.

What is a Secure Access Code (SAC) and why am I asked to enter a Secure Access Code when logging in to digital banking?

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.

What is the cut-off time for an internal transfer/transaction to be posted on the same business day?

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

What web browser do I need to use to access United's Online Banking?

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.

When enrolling for Online Banking, do I use all the numbers at the bottom of my check for my account number?

The following is an example of the numbers at the bottom of your check. You only need to enter the account number, highlighted in the area below when enrolling for Online Banking.

Where is the Online Banking Login?

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.

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.

Why am I seeing an error message when I try to log in to Online and 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.

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.

Why am I seeing an error message when I try to view my statement online?

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. To download the program, go to www.adobe.com. Select the option to download 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 Important note regarding 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.

What do I do if I forgot my password?

Mobile Banking

How can I see current transactions?

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.

Can I pay bills through 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.

Can I set up new payees through Mobile Bill Pay?

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.

Do I need a smartphone or mobile web access to use Mobile 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.

How do I add/change the accounts that I can view online with Online and Mobile Banking?

You can edit your account nicknames and show or hide account from Settings > Account Preferences.

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

How do I get a Secure Access Code (SAC)?

How do I install United's Mobile App?

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.

How do I log in or use Mobile Banking?

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

How much does Mobile Banking cost?

There is no charge for enrolling in Mobile Banking.

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

If I log in to the United Community Bank Mobile App and then do not log out, will it time out?

Yes, after 15 minutes.

Is Mobile Banking secure?

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:

Your password is required each time you log in.
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.
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.

What happens if I sign up for and/or I am enrolled in Mobile Banking and my phone is lost or stolen?

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

What is Mobile Banking?

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.

Why am I seeing an error message when I try to log in to Online and Mobile Banking?

Loan Payments

Am I able to set up automated, recurring payments through the online payment system?

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

Can I pay off a loan through the online loan payment system?

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.

Make a Loan Payment

How do I find out why my debit card (from another bank) was declined or invalid?

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.

How soon will my payment be applied to my loan account?

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

How will the loan payment appear on my monthly statement?

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

Is there a fee for making a loan payment online?

There is no fee for making an Online Loan Payment

Make a Loan Payment

What are the username and password requirements for the online loan payment system login?

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.

What do I do if I forget my username and/or password to my registered online loan payment system account?

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

What email address will notifications come from for the online loan payment system?

[email protected]

What forms of payment are accepted through the online loan payment system?

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

What is the maximum payment I can make through the online loan payment system?

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

What number will text confirmation notifications come from for the online loan payment system?

795-15

What types of loan payments can I make through the online payment system?

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

Make a Loan Payment

Mortgage

Who do I contact if I have questions about my personal loan?

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).

Treasury Management

What SEC code should I use when originating ACH transactions?

When you originate ACH, you are directed to select a three-character code that identifies the recipient of the transaction. Please be sure you’re selecting the correct SEC code:

Select PPD if the recipient is a person or consumer and written authorization is obtained.
Select CCD if the recipient is a company or organization and written authorization is obtained.

How do I send or receive a wire transfer?

How to Receive a Domestic Wire Transfer

How to Send a Domestic Wire Transfer

How to Receive an International Wire Transfer

How to Send an International Wire Transfer

Who do I contact if I have questions about Treasury Management Products and Services?

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]

How do I switch my business account to United Community?

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

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

For more information visit your local branch and speak to a banker today

How can I get help with my current Treasury Management Services?

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].

How do I know what Treasury Management services are right for me?

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.

Are Treasury Management services just for large companies?

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.

Do I still need a receivables service like Remote Deposit if I'm close to a branch?

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.

How many employees do I need to sign up for Direct Deposit?

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.

Are disbursement services complicated or require advanced software?

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.

What security controls are provided?

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.

How do I know if I need Direct Deposit or Payroll Services?

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.

When are Positive Pay exceptions available for processing?

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

What information does Positive Pay compare for discrepancies?

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.

Can I make decisions on my Positive Pay items on my mobile phone?

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

What type of Sweeps might be right for me?

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.

Does it cost my business money to create or run a report in online banking?

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.

Can I download my reports from online banking?

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

What's the difference between ACH transfers and Wire transfers?

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.

How late can I send a Same Day ACH?

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.

Can I use a NACHA file to send an ACH Transaction?

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

How do I send or receive a wire transfer?

How to Receive a Domestic Wire Transfer

How to Send a Domestic Wire Transfer

How to Receive an International Wire Transfer

How to Send an International Wire Transfer

Merchant Services

Who do I call if I have questions about my merchant services account?

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

Mobile Deposit

Are there safeguards in place to protect against fraudulent deposits using 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.

How do I enroll in Mobile Deposit?

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.

How do I prepare a check for Mobile Deposit?

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.’)

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, will I be told the reason?

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

Is there a charge for Mobile Deposit?

There is no charge for making Mobile Deposits.

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

Once a Mobile deposit has been accepted, will it go straight to my account?

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.

What is Mobile Deposit?

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.

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.

What is the time frame for viewing the check images?

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

What items 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

What types of items can I deposit via Mobile Deposit?

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

When will my Mobile Deposit funds be available?

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.

Who can have Mobile Deposit? Are there requirements for determining eligibility?

Mobile Deposit is available to Online Banking customers with an active checking, savings or money market account in good standing. See terms and conditions for full details. You must be signed up for Online Banking and have our Mobile Banking App downloaded to use this service.