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Welcome to United Community

On Monday, October 23, First National Bank of South Miami became United Community. With a shared commitment to helping clients, the team members you know and trust are excited to assist you as part of the United family. Together, we will provide you with expanded access to personal banking, business banking, and wealth management solutions while maintaining the client focus and local decision-making you have come to expect. 

We understand you may have questions and we’re committed to making you feel comfortable in your new financial home. Below, you will find related information and resources, including a comprehensive Welcome Guide.

Should you have additional questions, please do not hesitate to contact your local team or call us at 1-800-UCBANK1 (1-800-822-2651).

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 mobile app will be turned off at 5:00pm ET on Friday, October 20, and online banking will be temporarily unavailable beginning at 5:00pm ET on Friday, October 20, with no access until Monday, October 23, at 8:00am ET while we transition to a new and improved system. We apologize for the inconvenience. 

Recurring and future-dated internal transfers will be converted, however, they will not be viewable on United’s Online and Mobile Banking system to edit or delete. They will be viewable in your account transaction history upon processing. Beginning Monday, October 23, please call 1-800-UCBANK1 if you need to make any edits or deletions to previously established internal transfers.

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

With United, 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.

If you utilize the Bill Pay service, all payees and scheduled payments will be automatically updated in the new Bill Pay service, so there is no need for you to re-enter this information. 


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. 

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United banker

About United Community

United Community Banks, Inc. (NASDAQ: UCBI) is a top 100 US financial institution with $26.9 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 205 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 2023 for the seventh 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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