ATM & Debit Cards

The MasterMoney® ATM/Debit card from Mastercard® provides anytime access to your money when making purchases or withdrawing money from an ATM. Use this card wherever Mastercard® is accepted and purchases are deducted from your checking account automatically.

Visit Us
  • Use at any United Community Bank ATM without any ATM fees 
  • Includes 3D Secure authentication for participating online merchant purchases
  • Download the CardValet® app and control the use of your debit card from your smartphone
  • Includes Zero Liability Protection for unauthorized purchases1
  • Mastercard ID Theft Protection (IDT) provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft2 
  • Extended warranty feature duplicates the original manufacturer's coverage up to $10,000 for up to a year and doubles the coverage period3
  • Refunds you up to $250 per claim if you are not satisfied within 60 days of purchase4
  • Mastercard® is preferred by the Fuel Rewards® program. Link your card and earn fuel savings with your everyday debit card purchases.
  • Enroll your debit card in 2-Way Text Alerts for added security and peace of mind

Activating Your Card/Changing Your PIN

  • To activate your card, call 800-992-3808 and follow the automated system prompts
  • To change your PIN, call 800-992-3808 or visit a United Community Bank ATM
  • You must activate your card within six months
  • Your card must be used at least once during a 12-month period to maintain active status
  • If you've received your replacement card, your existing PIN will activate your replacement card. Please activate your card by calling 800-992-3808 or at any ATM. Once your new card is activated, you may destroy your old card.

Has Your Debit Card Been Lost or Stolen?

If so, report your missing card immediately:

During business hours: Contact your local United Community Bank branch as soon as possible or call 706-439-6600 and ask for the Debit Card Department.

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. Then, contact your local branch on the next business day to order a replacement card.

Immediate reporting ensures potential losses will be kept to a minimum.

The New Debit Mastercard® With Chip Card Technology

Want to learn more about Mastercard® Chip Card? Visit our Security and Fraud Education Center to review some of the most common questions.

The following is the transcript for the video above. Introducing your new Mastercard chip card…. From the moment you receive it you can start enjoying the benefits. Like the extra layer of security against fraud & counterfeiting it gives you, every time you make a purchase in store. And it’s so easy to use. Just insert and leave your card in the chip enabled terminal… Then… follow the on-screen prompts to enter either a PIN or sign. When the transaction is completed, remove your card. That’s it. It’s that easy. Chips cards are already used at millions of locations around the world. And now more and more chip-enabled terminals are coming to retailers in the US. But, if you’re in a store that doesn’t have one yet, don’t worry, you can still swipe and sign or enter your pin like you do today. New, easy-to-use chip cards. Giving you more security… and more peace of mind.

Resource Center

Get financial guidance anytime with our useful tools, educational articles and other valuable resources.

Financial Education

Financial Education



Customer Support

Customer Support

To learn more about your new, upgraded benefits, or to request a "Guide to Benefits", contact the Mastercard® Assistance Center at 800-MC-ASSIST. You can also download the Guide to Benefits for a full description of these new benefits and how to use them. For questions about your United Community Bank MasterMoney® Card account, call 706-439-6600, Monday-Friday, 8:00am-6:00pm.

Mastercard and the Mastercard Logo are registered trademarks of Mastercard International Incorporated.

1 Certain restrictions apply. For details, visit

2 Conditions and restrictions apply. Please refer to your Guide to Benefits for details.

3 Maximum benefit for repair or replacement cannot exceed the actual amount placed on your debit card or $10,000. Additional conditions and restrictions apply. Please refer to your Guide to Benefits for details.

4 Maximum of four claims per 12-month period. Additional conditions and restrictions apply. Please refer to your Guide to Benefits for details.