Frequently Asked Questions

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

Small businesses that were in operation prior to Feb 15, 2020, with 500 or less contract or salaried employees, are eligible to apply for this loan. Businesses must have paid salaries and payroll taxes and/or independent contractors as reported on Form 1099-MISC.

According to the U.S. Chamber of Commerce, the following entities are eligible:

• A small business with fewer than 500 employees
• A small business that otherwise meets the SBA’s size standard
• A 501(c)(3) with fewer than 500 employees
• An individual who operates as a sole proprietor
• An individual who operates as an independent contractor
• An individual who is self-employed who regularly carries on any trade or business
• A Tribal business concern that meets the SBA size standard
• A 501(c)(19) Veterans Organization that meets the SBA size standard

In addition, some special rules may make you eligible:

• If you are in the accommodation and food services sector (NAICS 72), the 500-employee rule is applied on a per physical location basis
• If you are operating as a franchise or receive financial assistance from an approved Small Business Investment Company the normal affiliation rules do not apply

REMEMBER: The 500-employee threshold includes all employees:
Full-time, part-time, and any other status. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries (click here for additional detail).

For this program, the SBA’s affiliation standards are waived for small businesses (1) in the hotel and food services industries (click here for NAICS code 72 to confirm); or (2) that are franchises in the SBA’s Franchise Directory (click here to check); or (3) that receive financial assistance from small business investment companies licensed by the SBA. Additional guidance may be released as appropriate.

You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.

Yes, the CARES Act provides financial assistance to both small businesses employing under 500 employees and 501(c)(3) organizations, including churches.

Use Minute Lender to quickly access cash. Existing checking customers with an email address can apply online in minutes for a loan or line of credit up to $15,000. You can apply online now and get our response in minutes; there's no need to visit the bank or bring us any paperwork. If approved, we'll email you when your loan is ready, usually in 3 business days or less. We invite you to contact us to discuss additional borrowing options that may meet your needs.

Our COVID-19 Updates page will be updated regularly to reflect our operating status across all of our locations. During this time of economic uncertainty, you may have questions and want to talk with your banker for financial guidance. We are here to help.

We remain committed to following the CDC guidance for protecting the health of our customers and employees. If you experience fever, cough, shortness of breath or have been in contact with someone who has, we ask that you avoid contact with employees and customers in our branches. Our drive-thrus are available for banking options at a safe social distance.

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, you may submit applications for both loan programs. However it is important to understand the differences between how the proceeds of the loans may be used.

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

Note: This service is not available with text banking.

Yes. There are no prepayment penalties or fees.

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

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

Make a Loan Payment

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.

No, the transition is happening worldwide. All financial institutions with loans referencing LIBOR will be impacted.

This loan program was by the Federal Government in the wake of the COVID-19 global health crisis. Under this program, you can apply for loan forgiveness after receiving the funds. A unique feature of this program is that you won’t have to pay on your loan for the first 6 months.

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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.

• Download for iPhone
• Download for Android

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. 

• 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

*United Community reserves the right to restrict mobile deposit access for new online banking customers.

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

You can submit a request to United Community Bank. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations. You must certify that the documents are true and that you used the forgiveness amount to keep employees and make eligible mortgage interest, rent, and utility payments. United Community Bank must make a decision on the forgiveness within 60 days.

• 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.

• 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.

1. Within your online banking account, click ‘Account Summary.’ All of your accounts will be listed in boxes to the right.
2. Click on the account box you would like to see the transactions for, and all activity should populate.
3. Click on the specific transaction you’d like to see. If the item is a check, the image will populate below the transaction.

1. On the left toolbar within online banking, click ‘Account Summary.’
2. Click on the account box you would like to see the transactions for, and all activity should populate.
3. Click on the filters button above the transactions.
4. Select the drop-down box in the ‘Time Period’ option.
5. Enter the transaction type.
6. Enter a single check or a range of check numbers.
7. Click ‘Apply Filters’ to view the check.

• 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

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

• Transfer funds from one of your accounts to another. View the demo here.
• Transfer funds with Zelle to send and receive money with friends, family and other people you know and trust. (Zelle is available for retail customers only). View the demo here.

• Auto Loan Calculator
• Loan Calculator 
• Home Equity Line of Credit (HELOC) Calculator

The CARES Act provides cash assistance directly to eligible taxpayers among other opportunities for relief.

One-time checks

The U.S. Treasury has stated it will issue refund checks “as rapidly as possible,” and officials are hoping for April. The full credit amount of $1,200 for individuals and $2,400 for couples is available for individuals with income at or below $75,000 ($112,500 for heads of household) and couples with income at or below $150,000. You will receive an additional $500 per child. Your tax rebate amount will be reduced by $5 for each $100 your income exceeds the income limits. That means for those without children, an individual will not receive a rebate if his or her income exceeds $99,000 or for couples, more than $198,000 of income.

401K and IRA early withdrawal penalties

10% early withdrawal penalties will be waived for certain coronavirus-related 401k and IRA distributions up to $100,000 made during 2020.

Student loans

Federal student loan payments will be waived for up to six months, and interest will not be accrued during this period.

Unemployment benefits

Individual unemployment benefits provided by states will increase by an additional $600 per week for four months, retroactive to January 27.

Credit reporting

The Act creates a moratorium on missed payment reports to credit reporting agencies for the duration of the public health emergency and 120 days thereafter.

Mortgages

Foreclosures will be prohibited on all federally-backed mortgage loans for 60 days beginning March 18, 2020, and up to 360 days of forbearance (180 days, plus one 180-day renewal) will be provided for borrowers of a federally-backed mortgage loan who have experienced a financial hardship related to the COVID-19 emergency.

The goal of the CARES Act is to provide financial assistance to businesses and incentivize businesses to keep employees on payroll. These provisions are also referred to as the Paycheck Protection Program (PPP).

The Act focuses on the Small Business Administration (SBA) Section 7(a) guaranteed lending program. SBA will provide additional guidance and implementation dates following enactment of the Act.

• The Act authorizes $349 billion for loans under the SBA Section 7(a) guaranteed lending program to cover eligible business concerns or non-profits with fewer than 500 employees. It waives all fees and increases the federal government guarantee to 100 percent, with payments deferred for up to 6 months and no prepayment penalty.
• The Act increases the loan amounts available under 7(a) to the lesser of $10 million or 2.5 times average monthly payroll, plus the value of any existing EIDL loan received after January 31, 2020, and provides eligibility for loan forgiveness on all amounts used for payroll, mortgage interest, lease, and utility payments between February 15, 2020, and June 30, 2020. Loan forgiveness will be reduced if there is a reduction in the number of employees or employee compensation during this period. Loans are capped at 4 percent and terms of up to 10 years.
• Loans may also be used — but not forgiven — for other specified purposes.

Assistance for mid-size businesses is being accounted for in provisions related to the severely distressed sectors of the economy:

• As part of a $454 billion provision in support of Federal Reserve lending, the Act directs the U.S. Treasury and Federal Reserve to try to provide financing to banks and other lenders that make direct loans to eligible businesses and nonprofits with 500 to 10,000 employees.
• The interest rate on loans would be capped at 2 percent, with no payments due for the first 6 months, and borrowers would be required to provide good-faith certification to a list of conditions, including workforce retention; no payment of dividends or stock buybacks; no outsourcing or offshoring of jobs; and union neutrality with no collective bargaining agreement breaches for two years after repayment.

According to the U.S. Chamber of Commerce, the calculated amount of loan forgiveness is reduced if there is a reduction in the number of employees or a reduction of greater than 25% in wages paid to employees.

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.

This loan will be packaged as an SBA 7(a) loan, and businesses can apply through qualified lenders including United Community Bank, a preferred lender for the SBA. SBA application fees will be waived. Due to the minimal program requirements, the approval and funding process will be streamlined, resulting in getting capital in the hands of businesses who need it most. If you are a current United Community Bank customer, please reach out to your banker. If you are not a United Community Bank customer, we encourage you to contact us to discuss options for your business.

Generally speaking, monthly payroll costs are calculated as follows:

Sum of INCLUDED payroll costs – sum of EXCLUDED payroll costs = PAYROLL COSTS

According to the U.S. Chamber of Commerce, there are specific items that

The following are INCLUDED in payroll costs:

1. For Employers: The sum of payments of any compensation with respect to employees that is a:
   • salary, wage, commission, or similar compensation;
   • payment of cash tip or equivalent;
   • payment for vacation, parental, family, medical, or sick leave
   • allowance for dismissal or separation
   • payment required for the provisions of group health care benefits, including insurance premiums
   • payment of any retirement benefit
   • payment of state or local tax assessed on the compensation of the employee
2. For Sole Proprietors, Independent Contractors, and Self-Employed Individuals: The sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than $100,000 in one year, as pro-rated for the covered period.

The following are EXCLUDED in payroll costs:

1. Compensation of an individual employee in excess of an annual salary of $100,000, as prorated for the period February 15, to June 30, 2020
2. Payroll taxes, railroad retirement taxes, and income taxes
3. Any compensation of an employee whose principal place of residence is outside of the United States
4. Qualified sick leave wages for which a credit is allowed under section 7001 of the Families First Coronavirus Response Act (Public Law 116–5 127); or qualified family leave wages for which a credit is allowed under section 7003 of the Families First Coronavirus Response Act

Here's a guideline for creating a password that denies unauthorized computer access:

• Use at least eight characters with a combination of uppercase and lowercase letters, numbers and symbols
• Don't include your user name, real name or company name
• Don't make your password a complete word
• Create passwords that are significantly different from each other

View this step-by-step demo to learn how to enroll in online banking. 

View the Digital Demo here. 

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

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

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

Once enrolled, you can easily access Mobile Banking by:

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

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

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

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

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

Helpful tips:

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

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

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

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

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

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

To use Apple Pay™, your iPhone 6, iPhone 6 Plus or newer model must be running the latest version of iOS software. To make purchases at a participating merchant, simply hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. If you need to provide the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number.

Go to Settings on your device and select Wallet & Apple Pay™, tap your card, and then tap the      icon to see your Device Account Number. Some stores may ask for a signature or debit card PIN to complete your transaction.

Up to 100% of the principal amount of the loan may be forgiven if you use the proceeds on payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. The loan forgiveness program is designed to support employment– if you don’t maintain certain levels of employees or compensation, then part of the loan will not be forgiven. More details of the forgiveness program are still being determined and we will share more details and explain the process better once we have the guidance from the SBA.

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

Loan amounts are calculated by taking your business’s average monthly payroll and multiplying it by 2 ½ . Your monthly payroll includes wages, tips, group health, retirement benefits and taxes but excludes the amount of compensation to individuals in excess of $100,000. The maximum loan amount is $10 million. There are other important details in calculating the average monthly payroll.

Loans can be for up to two months of your average monthly payroll costs from the last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee.

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

Every loan is unique, but on average, a purchase loan closes in 30 days.

Once the SBA releases further details and guidance on the Paycheck Protection Program, United Community Bank can approve your loan and disburse funds as fast as possible, sometimes in less than 48 hours, by ACH payment.

Although the program is open until June 30, 2020, we encourage you to apply as quickly as you can because there is a funding cap and lenders need time to process your loan.

Loans can be up to 2.5 x average monthly payroll costs, not to exceed $10 million.

• The total amount of your auto loan
• How long the loan is (number of years, or term)
• Annual percentage rate (APR), which includes interest and fees

• Your credit score
• Whether you’re buying a new or used car
• The length of your loan

• Increasing your down payment
• Trading in an old car, with its value going toward your down payment
• Improving your credit score to lower your APR

There is no charge for enrolling in Mobile Banking.

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

You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.

You will also owe money if you do not maintain your staff and payroll.

• Number of Staff: Your loan forgiveness will be reduced if you decrease your full-time employee headcount.
• Level of Payroll: Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
• Re-Hiring: You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.

All United Community customers that currently have loans based on LIBOR will be impacted by this change and contacted in advance of the transition. You don’t need to take any action.

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

Yes, customers can use the PPP loan proceeds to pay United Community Bank interest. However, any amount applied to non-mortgage debt or principal payments will not qualify for loan forgiveness.

• 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

If you are a current United Community Bank customer, reach out to your Business Analyst or loan officer. If you are not a United Community Bank customer, we encourage you to research your options on our website and determine which program is the best fit for your business.

Seasonal employers should use the following calculation:

2.5 x Average total monthly payments for payroll costs for the 12-week period beginning February 15, 2019 or March 1, 2019 (decided by the loan recipient) and ending June 30, 2019.

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.

• 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.

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

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.

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.

We are waiting on updates from the SBA, but it is our understanding that it will not affect your ability to apply for SBA loans in the future or total dollars allowed from the SBA.

Please email [email protected] and place “Withdraw Application” in the subject line. Do not include any personal or sensitive information in the email, but please specify the legal business name used on the PPP application.

Nonseasonal employers not operational in 2019 can borrow up to 2.5 x average total monthly payroll costs incurred in January and February 2020.

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

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

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

There is no charge for making Mobile Deposits.

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

There is no fee for making an Online Loan Payment

Make a Loan Payment

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 and to restrict mobile deposit access for new online banking customers.

Yes, it is important that you take a few moments to read the following tips to get ready:

1. 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.
2. 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.
3. Enroll in Online Banking. View the Digital Demo to learn how to enroll.

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.

No. The PPP waives the usual SBA requirement that you try to obtain some or all of the loan funds from other sources (i.e., we are waiving the Credit Elsewhere requirement).

The relief measures included in the package relate to programs overseen by multiple governmental agencies. Therefore, some processes will become available more quickly than others. We are actively working to understand guidelines for delivering these programs to our customers and will keep you informed as the new options become available.

United Community Bank is a Preferred Lender with the SBA and we have one of the largest SBA divisions of any bank in the Southeast. We are confident that we are in a better position than many other lenders to serve customers.

Approved uses of proceeds include:

• employee salaries (including commissions and tips)
• group health premiums
• rent and utilities
• interest payments on mortgages or debt incurred before 2/15/20, not principal payments
• retirement benefits
• state or local tax assessed on compensation
• vacation, paid leave (family, medical, etc.)

• Live, award-winning service delivered by our friendly, knowledgeable Interactive Tellers
• Extended hours of service
• Drive up convenience
• Debit card not needed to facilitate transactions during active teller hours

We strongly encourage customers to use telephone banking (1-800-UCBANK1) and digital banking solutions make it easy to access United anytime, anywhere. Learn more about all of our Online and Mobile Banking convenience features by visiting our Digital Banking Resources center.

For transactions that cannot be performed at a drive-thru or digitally, like accessing your safety deposit box or closing a loan, we recommend calling your local branch and setting an appointment time to handle those transactions.

All United Community Bank ATMs will remain accessible 24/7, including those located at any branches that may be temporarily closed. We are also a member of the Publix® Presto! Network, which allows access to more than 1,000 ATMs nationwide with no fee.

The SBA offers an Economic Injury Disaster Loan (EIDL) to small business owners that is different from PPP loans. The primary differences are as follows:

• EIDL applications are submitted directly through the SBA.
• EIDL proceeds are limited to payroll, fixed debts, accounts payable and other expenses that can’t be paid because of the disaster’s impact.
• 0% of EIDL loans are eligible for forgiveness.
• If requested during the application process, you may be eligible for a $10,000 grant. (Note: this amount must be deducted from the forgiveness of debt component of a PPP loan in the even you apply and are approved for both)
• Click here for additional information about the SBA’s EIDL program.

• 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.®

• 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.

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

There are other loan options available with different terms and conditions that can be of help to your business at this time. Please visit the SBA Relief Options site to learn more.

You should use the proceeds from this loan on your:

• Payroll costs, including benefits;
• Interest on mortgage obligations, incurred before February 15, 2020;
• Rent, under lease agreements in force before February 15, 2020; and

Utilities, for which service began before February 15, 2020.

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

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).

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).

As part of your application, you need to certify in good faith that:

• Current economic uncertainty makes the loan necessary to support your ongoing operations.
• The funds will be used to retain workers and maintain payroll or to make mortgage lease, and utility payments.
• You have not and will not receive another loan under this program.
• You will provide to United Community Bank documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan.
• Loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.
• All the information you provided in your application and in all supporting documents and forms is true and accurate. Knowingly making a false statement to get a loan under this program is punishable by law.

You acknowledge that United Community Bank will calculate the eligible loan amount using the tax documents you submitted. You affirm that the tax documents are identical to those you submitted to the IRS. And you also understand, acknowledge, and agree that the lender can share the tax information with the SBA’s authorized representatives, including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan Program Requirements and all SBA reviews.

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.

You will need to complete the Paycheck Protection Program loan application and submit the application with the required documentation. Click here for a link to a sample SBA PPP application. Click here for a checklist of documents you may need for the PPP application. Click here for a handy Payroll Costs Calculator. Additional resources are available at ucbi.com/cares.

As part of the CARES Act, the PPP will temporarily expand the SBA 7(a) loan program and allow small businesses and non-profits that have been "substantially affected" by COVID-19 to apply for funding to continue payroll PLUS benefits. Employers whose business was fully or partially suspended in 2020 due to government orders associated with COVID-19 or that experienced a significant decline in gross receipts (or that is a tax-exempt organization) may be eligible to apply for this program in order to keep employees paid and bills maintained.

[email protected]

Email notifications will come from [email protected]

Text confirmation notifications will come from 795-15

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

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.

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

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

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

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.

If you applied for a PPP loan with United and another bank, there is a possibility that funding could have been reserved through that other bank prior to United submitting it to the SBA. In that case, the other bank would notify you about the status of your application. As a reminder, each entity may only have one PPP loan and the application states that you are only supposed to apply for one loan.

If you do not know your Telephone Banking PIN number, please contact us. After verifying your identity over the phone, we will supply your PIN number.

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

• Driver’s license information
• Pay stubs
• Social Security Number

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.

LIBOR stands for London Interbank Offered Rate. It is a benchmark interest rate that was meant to reflect interest rates major banks charge each other for short-term loans. Historically, LIBOR was used internationally as a benchmark or “reference rate” for setting rates on loans and other financial products. However, the Financial Conduct Authority (FCA), which regulates LIBOR, announced that representative LIBOR rates would no longer be available after June 2023. As a result, due to factors outside of our control, the financial industry is transitioning away from LIBOR, and all loans with interest rates based on LIBOR must transition to another index.

• Download the Mobile App for iPhone
• Download the Mobile App on Android
• First Time Log in on the Mobile App

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

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

Message and data rates may apply. Please check with your mobile carrier for details.
*United Community reserves the right to restrict mobile deposit access for new online banking customers.

SOFR stands for “Secured Overnight Financing Rate.” SOFR is a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities. The index is based on transactions in the Treasury repurchase market, where banks and investors borrow (or loan) Treasuries overnight. For more information on how SOFR is calculated, please visit newyorkfed.org/markets/reference-rates/sofr. New index values are published each business day by the Federal Reserve Bank of New York.

Term SOFR is forward-looking measurement of SOFR rates published by CME Group

Benchmark Administration, Ltd. Please visit cmegroup.com/market-data/cme-group-benchmark-administration/term-sofr.html for more information about Term SOFR.

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

The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone.

The loan amounts will be forgiven as long as:

• The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; and
• Employee and compensation levels are maintained.

Payroll costs eligible for the program are capped at $100,000 on an annualized basis for each employee. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. Loan payments will be deferred for 6 months.

• 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

Most in-person teller transactions can be done at one of our ITMs, including cashing checks, cash and check deposits, cash withdrawals, transfers and loan payments and transfers. Please note that United's ITMs cannot accept coins.

Click here to learn about a variety of loan payment options in the event you are unable to visit a branch.

• Yelp
• Time Clock
• Payroll
• QuickBooks
• Woo

We are encouraging customers and employees that have symptoms, or have been with someone who does, to remain at home. We also are practicing social distancing per the CDC recommendation of at least a 6-foot distance between individuals. Our employees are vigilant about sanitation and hand washing hygiene to help reduce the chance of spreading the virus.

• 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

• 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

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

Make a Loan Payment

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.

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.

• 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 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.

United plans to open our application portal beginning Saturday, April 4 for small business and sole proprietorships. Starting April 10, independent contractors and self-employed individuals can apply. You can provide your information on this form, and we will email you a link when our portal is available to accept applications.

Applications will be available online at ucbi.com/cares

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.

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.

The Federal Reserve Board and the New York Fed convened the Alternative Reference Rates Committee (“ARRC") to guide the industry's successful transition from LIBOR. In addition, the Federal Reserve has adopted regulations (the “Final Rule”) implementing the Adjustable Interest Rate (LIBOR) Act that was signed by President Biden on March 15, 2022 (the “Act”). 

Based on the Final Rule and the Act, commercial loans will transition from LIBOR to CME Term SOFR, plus certain spread adjustments specified by Congress. 

The Final Rule also sets out special rules for consumer loans, like adjustable rate mortgages and HELOCs. Consumer loans will transition from LIBOR to Refinitiv USD IBOR Consumer Cash Fallbacks (the “Consumer Replacement Index”), which is based on CME Term SOFR and is comparable to LIBOR. More information about the Consumer Replacement Index is available at Refinitiv’s website: refinitiv.com/usdiborconsumercashfallbacks.

Some loans may reference the ICE Swap Rate index (also sometimes referred to as the “swap rate,” “constant maturity swap rate,” or “ISDAFIX”). Because LIBOR is a component used to determine the swap rate index, that index will also no longer be available after June 30, 2023. Loans that reference the swap rate will transition to the USD SOFR Spread-Adjusted ICE Swap Rate index, which is calculated in accordance with the methodology suggested by ARRC.

• 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

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.

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).

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.

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 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.

Since opening our application portal, our team has been working around the clock to process over 6,500 applications. Even with a team of more than 500 working through this, we were only able to process so many loans until the SBA stopped accepting applications due to funds being exhausted. We will resume processing your application with the SBA if Congress allocates additional funds to the program.

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

No. We will use your existing application and begin processing PPP loans as soon as the SBA allows. We’re hopeful that more funding will be allocated. We’ll keep this page and our social media profiles updated with current information regarding these loans.

The interest rate for all adjustable rate loans (also called “floating” or “variable” rate loans) are subject to increases or decreases over time regardless of the index used to calculate the rate. The actual impact on your interest rate or payment cannot be determined until your next regularly-scheduled change date. 

The transition from LIBOR will not affect your interest rate during any period when your loan contract provides for a fixed rate. Similarly, any maximum or minimum rates specified in your loan contract will not be affected.