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    _UCB and FNBSM

    FNBSM joins forces with United Community.

    United Community (“United”) and First National Bank of South Miami (“FNBSM”), a wholly-owned subsidiary of First Miami Bancorp, Inc., have joined forces to expand their shared commitment to helping clients in the Miami metropolitan area realize their financial goals, expand their businesses, and plan for their futures. The combined bank will provide you with expanded access to United’s personal banking, business banking, and wealth management solutions while maintaining the customer focus and local decision-making you have come to expect.
    As an FNBSM customer, we understand you may have questions, and we are committed to keeping you informed with clear and frequent communications throughout the transition process.
    At this time, there is nothing you need to do. You should continue to conduct your banking as you always have with the same great team you know and trust. 

    Below you will find related information and resources, including a list of key dates and what to expect, as well as a United Community Welcome Guide detailing important information about the transition of accounts over the weekend of October 21-23, 2023. Should you have additional questions at this time, please do not hesitate to contact your local FNBSM team or call us at 1-800-UCBANK1 (1-800-822-2651).

    The conversion is subject to normal and customary approvals by shareholders and banking regulators. Additional information will be provided as the dates are confirmed; however, we are currently anticipating the conversion to be completed the weekend of October 21-23, 2023. 

    Key Dates: What to Expect and When

    Online and Mobile Banking

    Thursday, October 19

    The Bill Pay service will be temporarily inaccessible from 5:00pm ET on Thursday, October 19, until Monday, October 23, at 8:00am ET. Your Bill Pay payees and scheduled payments will be automatically transferred and processed, so there is no need for you to re-enter the information.

    Friday, October 20

    The FNBSM online banking system will remain accessible in “view-only” mode beginning at 5:00pm ET on Friday, October 20, through 8:00am ET on Monday, October 23. You will be temporarily unable to initiate transactions, including transfers and mobile deposits, while in view-only mode. Any future-dated and recurring internal transfers in online banking will convert to the new United Online and Mobile Banking system. The FNBSM mobile banking app will be turned off at 5:00pm ET on Friday, October 20, while we transition to a new and improved system. The FNBSM mobile app should be deleted from all tablets and mobile devices after Friday, October 20.

    Monday, October 23

    Beginning Monday, October 23, at 8:00am ET, you can access the new United Online and Mobile Banking system. Instructions are provided in the United Community Welcome Guide.

    Download the United Community mobile app from the Apple store or Google Play store to access mobile banking. If you use Online Banking Alerts, you will need to recreate them once you’ve signed into the new online banking system. eBills within the Bill Pay service will need to be re-established.

    Debit Cards

    If you currently have an FNBSM debit card(s), you will be mailed a new United Community Mastercard® debit card(s). Please keep the card(s), but don’t use it until after 5:00pm ET on Friday, October 20. Continue using your current FNBSM debit card(s) until then.

    Friday, October 20

    Begin using your new United Community Mastercard® debit card after 5:00pm ET on Friday, October 20. You will need to activate your new debit card and select a PIN prior to using it. Debit cards may be activated at your convenience prior to or after October 20 at 5:00pm ET by calling 1-800-992-3808.

    Debit cards issued by FNBSM may not be used after October 20 and should be safely discarded.

    Monday, October 23

    Provide your new debit card number to any merchants currently using your card as a payment method for recurring bills to begin using on Monday, October 23.

    Credit Cards

    If you currently have an FNBSM credit card, there is no change to your account. Your existing card will continue to work. Prior to your card expiration date, you will be issued a new United Community credit card. Until then, continue using your current FNBSM credit card as you normally do.

    Statements and eStatements

    Friday, October 20

    You will be mailed an interim bank statement from FNBSM with balance and transaction information through October 20, 2023. After that date, we will resume regular statement cycle dates.

    Up to 24 months of eStatements and 18 months of transaction history will be available within the new United Online and Mobile Banking system. However, there may be a temporary delay accessing eStatements following the transition to the new system on Monday, October 23. Prior to Friday, October 20, you may find it beneficial to print or save existing documents that you may need to access at a later time.

    woman using mobile banking

    Online and Mobile Banking: Getting Started

    You will enjoy a new online and mobile banking experience where you can view and manage your bank accounts right from your desktop, tablet, or smartphone. You may begin using the United Online and Mobile Banking system on Monday, October 23, at 8:00am ET. Additional details on these services are available at, or you can call our Customer Contact Center at 1-800-822-2651 Monday–Friday, 8:00am–6:00pm ET, and Saturday, 9:00am–12:00pm ET. To ensure the transition to the new Online and Mobile Banking system is as smooth as possible, please take a few moments to read the following tips to get ready:

    1. Update your Internet browser. For a better and more secure online financial experience, it is vital to use the most current version of your preferred browser. 
    2. Update your email address and telephone number within your current FNBSM online banking. It’s important we have this information so we can communicate with you about the planned upgrade, including sending your new Secure Access Code (SAC) so you can sign in to the United online banking system. 
    3. Update financial software. If you utilize financial software such as Quicken® or QuickBooks™, there will be additional steps required to successfully download transactions from the new online banking system.  A series of Financial Software Transition Guides offering detailed instructions on this process will be available in early October.  
    4. Replace your mobile banking app. Delete your FNBSM mobile app from all devices after Friday, October 20. You may download and begin using the new United Community mobile app on Monday, October 23.

    Frequently Asked Questions

    Below are some of the most frequently asked questions concerning the transition of your accounts. See the United Community Welcome Guide for additional FAQs.

    FNBSM and United Community will be joining forces in order to deliver the same personalized care you enjoy today, with the added benefit of expanded services to meet your needs, goals, and aspirations. You will continue to enjoy the same convenience and service from the team of bankers you know and trust, at the same locations.

    FNBSM’s operating system will be fully integrated into United’s the weekend of October 21. As a result, the accounts and services you have with FNBSM will undergo some changes. Effective October 23, all of your accounts and services will be subject to the Terms and Conditions enclosed within this booklet.

    More than anything, we are working to ensure these changes are as seamless as possible. 

    First National Bank of South Miami will begin operating under the United Community name, with a full transition on October 23. The United and FNBSM teams will work diligently in the background to make this transition as seamless as possible for you.

    Yes, the bankers you know and trust are committed to assisting you through this system integration, and will continue to do so after this transition. Your banker is backed by a team of professionals that have a high commitment to customer service and local relationships.

    Yes, you will continue to enjoy the same convenience and service from the team of professionals you know and trust, at the same locations you use today. 

    Yes, beginning Monday, October 23, you may conduct transactions at all of United’s branch, ATM, and Interactive Teller Machine (ITM) locations throughout Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Plus, United Community is a member of the Publix Presto! ATM network where customers can enjoy free access to over 1,260 ATMs all across the Southeast. Visit for a complete list of United’s locations. 

    United banker

    About United Community

    United Community Banks, Inc. (NASDAQ: UCBI) is a top 100 US financial institution with $26.1 billion in assets and, through its subsidiaries, provides a full range of banking, wealth management, and mortgage services. UCBI is the financial holding company for United Community Bank (“United Community”) which has 212 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee, as well as a national SBA lending franchise and a national equipment lending subsidiary. United Community is committed to improving the financial health and well-being of its customers and ultimately the communities it serves. Among other awards, United Community is a nine-time winner of the J.D. Power award that ranked the bank #1 in customer satisfaction with consumer banking in the Southeast and was recognized in 2023 by Forbes as one of the World’s Best Banks and one of America’s Best Banks. The bank is also a multi-award recipient of the Greenwich Excellence Awards, including the 2022 awards for Small Business Banking-Likelihood to Recommend (South) and Overall Satisfaction (South), and was named one of the "Best Banks to Work For" by American Banker in 2022 for the sixth consecutive year. Additional information about United can be found at

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    If you have additional questions regarding the transition of your account(s) or need further clarification at this time, please do not hesitate to contact your local branch or call us at 1-800-UCBANK1 (1-800-822-2651).

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