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Customer Support

Phone:
1-800-UCBANK1 (1-800-822-2651)
Hours:
Monday-Friday: 8:00am-6:00pm EST
Saturday: 9:00am-12:00pm EST
After hours? Send us a message
Additional contact options 
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Personal Credit Cards

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Apply for a credit card online.

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you.
 

No matter which card you choose, you'll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.1 You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
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Other financial solutions for you.

When your side project becomes a full reno.

For when things go right—and even wrong—you have the option of opening a Home Equity Loan to support your needs, complete that project or make necessary repairs. Keep on building.

 
Learn More

Learning Center

Debt Paydown: What’s the Plan?
The amount of credit card debt consumers owe rose 13% this year, according to The Federal Reserve Bank of New York. Auto loans and mortgages also trended up. Even still, many have found ways to pay down their debt while making ends meet. Use these tips and tools to create your own debt paydown plan.
Read Article

Banking Considerations when Changing Jobs
If you’re going through a job change, it’s important to review your bank accounts and understand how the change may affect what you need now.  
Read Article

What Can Lending Calculators Do for You?
When you’re thinking about a loan—whether it’s for a car, home improvements, or anything else—your first question is probably, “Can I afford this?” An online lending calculator is a quick and easy way to get an idea of how a loan could fit into your budget.
Read Article
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1 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.