Q: Why are changes being made to my accounts and online banking system?
A: Progress Bank and United Community Bank 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.
Progress Bank’s operating system will be fully integrated into United’s the weekend of April 15. As a result, the accounts and services you have with Progress Bank will undergo some changes. Effective April 17, all of your accounts and services will be subject to United's Terms and Conditions
More than anything, we are working to ensure these changes are as seamless as possible.
Q: Will the name remain Progress Bank?
A: Progress Bank will begin operating under the United Community Bank name, with a full transition in mid-April. The United and Progress teams will work diligently in the background to make this transition as seamless as possible for you.
Q: Who is United Community Bank?
A: United Community Banks, Inc. is a $25.4 billion asset bank holding company that operates 207 banking offices in Alabama, the Carolinas, Florida, Georgia, and Tennessee, along with a national SBA lending franchise and a national equipment lending subsidiary.
Since 1950, United Community Bank has been dedicated to providing best-in-class service to our customers as the foundation of every relationship. Known as “The Bank That SERVICE Built®,” we are committed to improving the lives of residents in the communities we serve through the philosophy of delivering an exceptional banking service. We strive to provide valuable, convenient, and innovative products and services with the attentive customer service you deserve.
United is honored to receive the following awards over the past several years:
- J.D. Power, #1 in Customer Satisfaction with Consumer Banking in the Southeast, 2022
- Marks eight out of the last nine years
- Forbes, 100 Best Banks in America, 2022
- American Banker, “Best Banks to Work For”, 2022
- Marks six years in a row based on employee satisfaction
- Greenwich Excellence Awards, Small Business Banking and Middle Market Banking, 2021
- Ten awards, including national awards for Overall Satisfaction and Likelihood to Recommend
- Forbes, World’s Best Banks, 2022
We are proud of this success, but we’re even more proud of the tradition upon which our company was built—treating customers the way we want to be treated. We are committed to helping individuals, families, businesses, and communities grow strong and prosperous.
Q: Will I continue to work with my same bankers?
A: Yes, the bankers you know and trust are committed to assisting you through this system integration. Your banker is backed by a team of professionals that have a high commitment to customer service and local relationships.
Q: Will my local branch remain open?
A: 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.
Q: Will I have access to all United Community Bank branches?
A: Yes, beginning Monday, April 17, you may conduct transactions at all of United’s branch, ATM, and ITM locations throughout Alabama, the Carolinas, Florida, Georgia, and Tennessee. Visit ucbi.com/locations
for a complete list of United’s locations.
Q: What is an ITM?
A: An Interactive Teller Machine, or ITM for short, combines the convenience of an ATM with the award-winning service delivered by friendly, knowledgeable United employees. Physically, the machine looks similar to an ATM, but it has video capabilities that allow you to interact with a teller. Interactive Tellers can help you conduct more transactions than basic ATMs and can answer different questions you might have about your finances or a particular transaction. All this without having to wait in line at the branch.
United ITMs still offer the functionality of an ATM, where customers can simply withdraw cash, view account balances, and perform other basic ATM transactions.
Q: What changes are being made to any checking, money market, or savings account(s)?
A: All checking, savings, and/or money market accounts will automatically transition to a new product during the conversion in April. Beginning April 17, the United Terms and Conditions
will amend and replace your current account agreement with Progress Bank.
If you have any questions regarding your account type or the fees associated with your new account, please contact your banker or call us at 1-800-UCBANK1.
- Most deposit account number(s) will remain the same, however, some will change to ensure they remain compatible with United Community Bank’s operating system. You will be contacted separately if your account number is changing.
- An interim paper statement will be mailed on Friday, April 14. This statement will include activity on your account up to final processing.
- As a courtesy, there will be no monthly maintenance fees assessed on your checking or money market account(s) during the first two statement cycles following conversion or your savings account(s) during the first quarterly statement cycle following conversion.
Q: What if I want a different product?
A: Your banker will be happy to discuss a solution that best fits your financial needs.
Q: Will there be any changes to my Certificate of Deposit (CD) or Individual Retirement Account (IRA)?
A: If you have a CD or a fixed IRA, the interest rate will not change until it matures. Please refer to our Terms and Conditions
for additional information regarding these accounts.
Q: Will I need new checks or deposit slips for my checking accounts?
A: Please continue using your current checks and checking deposit slips until your supply is gone. When it is time for you to reorder, please contact United Community Bank to ensure that you receive new checks with the correct routing number. The new routing number is 061112843.
Q: Will I need savings deposit or withdrawal slips for my savings account?
A: Yes, savings deposit and withdrawal slips issued by Progress Bank should be discarded after Friday, April 14. Please call 1-800-UCBANK1 or visit a branch office to request a complimentary replacement order.
Q: Will direct deposits and automatic payments continue to process as normal?
A: Yes, your direct deposits and automatic payments will continue to be processed in the same manner as they are now. There is no action you need to take.
Q: Will I continue to have access to 24-Hour Telephone Banking?
A: Yes, you will have access to 24-Hour Telephone Banking beginning Monday, April 17, at 7:00am CT by dialing 1-800-UCBANK1. You will be able to check your account balance, review your transactions, transfer funds, make a payment, report lost or stolen cards, and more.
The last four digits of your tax identification number will serve as your temporary PIN until you designate the PIN of your choice. Please note that your 24-Hour Telephone Banking PIN will be reset to the last four digits of your tax identification number even if you have a previously established PIN.
Q: Will there be any changes to my safe deposit box?
A: Please refer to the Terms and Conditions
for details regarding safe deposit box rental fees.
Q: What will I need to do to continue receiving incoming domestic and international wire transfers to my account?
A: To be certain that incoming domestic and international wire transfers are properly credited to your account, you will need to inform the originator of the wire transfer of the following information to begin using on April 17:
1. Financial Institution Name: United Community Bank
2. Domestic: Bank Routing Number (also called ABA Number): 061112843
International: Bank Identifier Code (also called BIC): UCOUUS33
3. Address: 125 Highway 515 East
Blairsville, GA 30512
4. Your name and account number
Incoming wire transfers intended for loan payments or loan payoffs should use the following format to avoid delay or return:
Wire funds to:
United Community Bank
125 Highway 515 East
Blairsville, GA 30512
Credit Account Name: UCB Loan Operations
Credit Account Number: 1203-009-001
OBI/Special Instructions: FFC: Input Borrower Name and Loan Account Number
ATTN: Loan Operations
RE: Input any additional information here
Q: Will I be able to use the night depository as I have in the past?
A: Yes, you will be able to use any United Community Bank night depository, where available. Contact your banker for more information about this convenient service.
Q: My business has Treasury Management Services. How will these transition?
A: United Community Bank will continue to offer comprehensive and cost-effective solutions to better help you manage cash flow and streamline business processes, including Online and Mobile Banking, ACH Origination, Wire Transfers, Positive Pay, and Remote Deposit Capture. Additional information about the Treasury Management Services transition will be shared in the coming weeks. We will work directly with you to ensure a smooth transition.
Q: I received multiple copies of the same mailing. Is this a mistake?
A: Through the course of the conversion process, you may receive multiple copies of the same mailing. Please understand that this is not a mistake. If there are multiple primary account holders within one household, multiple copies of a mailing may be sent.
Q: Whom will my year-end tax information come from?
A: Your 2023 year-end tax information will be issued under United Community Bank and will be postmarked by the required date of January 31, 2024.