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Frequently Asked Questions

Below are some of the most frequently asked questions concerning the transition of your accounts and services to United. You may receive separate, additional notices from us that provide more detailed information on upcoming changes. Please take a moment to review this information and, if necessary, act upon these changes per the instructions provided. As always, your banker is available to support you through this transition.
 

General

Q: Why are changes being made to my accounts and online banking system?
A: On January 1, 2022, Reliant Bank and United Community Bank joined 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.

Reliant Bank’s operating system will be fully integrated into United’s the weekend of April 23. As a result, the accounts and services you have with Reliant Bank will undergo some changes. Effective Saturday, April 23, all of your accounts and services will be subject to our Terms and Conditions.

More than anything, we are working to ensure these changes are as seamless as possible.

Q: Will the name remain Reliant Bank?
A: Reliant Bank will begin operating under the United Community Bank name, with a full transition the weekend of April 23. The United Community Bank and Reliant Bank 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. (NASDAQGS: UCBI) provides a full range of banking, wealth management, and mortgage services for relationship-oriented consumers and business owners. Following the January 1, 2022 acquisition of Reliant Bank and the October 1, 2021 acquisition of Aquesta Financial Holdings, Inc., United has approximately $23.5 billion in assets and 196 offices in Florida, Georgia, North Carolina, South Carolina, 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 and Most Trusted Consumer Bank, 2021
    • Marks seven out of the last eight years
  • Forbes, 100 Best Banks in America, 2021
    • Eighth consecutive year
  • American Banker, “Best Banks to Work For”, 2021
    • Marks five years in a row based on employee satisfaction
  • Greenwich Excellence Awards, Small Business Banking and Middle Market Banking, 2021
    • Ten awards received, including national awards for Overall Satisfaction
  • Forbes, World’s Best Banks, 2020 and 2019
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, schools, 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 25, you may conduct transactions at all of United’s branch locations throughout the Carolinas, Tennessee, Georgia, and Florida. Click here for a complete list of United’s locations.

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 United product during the conversion. Please refer to the Terms and Conditions for important details about the changes to your account(s). This notice highlights changes to your account terms. Beginning Saturday, April 23, the new Terms and Conditions will amend and replace your current account agreement with Reliant Bank.
  • 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 22. 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.
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.

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 IRA, the interest rate will not change until it matures. Please refer to the Terms and Conditions for additional information regarding these accounts.
Effective April 23, existing CD and IRA account numbers will be updated with a prefix of 919. For example, if your current CD account number is 123456, the updated account number will be 919-123456 beginning April 23.

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 get 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 Reliant Bank should be discarded after Friday, April 22. Please call 1-800-UCBANK1 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 continue to access 24-Hour Telephone Banking by dialing 1-800-UCBANK1 and selecting Option 1. 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 SSN/TIN 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.

24-Hour Telephone Banking will be temporarily unavailable from Friday, April 22 at 4:00pm CST until Monday, April 25 at 7:00am CST.

Q: Will there be any changes with my Reliant Bank Mastercard debit card?
A: Please continue to use your current Reliant Bank debit card as you do today.

You will receive a new United Community Bank Mastercard debit card to replace your current card between May and September 2022. You will receive additional communication prior to receiving your new card. Until you receive your new United Community Bank Mastercard debit card, continue using your Reliant Bank debit card.

Q: Will I have to pay fees when I use a United Community Bank ATM or ITM?
A: There are over 180 ATMs and ITMs throughout the United Community Bank footprint that you can use with no fee. Additionally, United is a member of the Publix® Presto! network, which allows access to more than 1,250 ATMs nationwide with no fee. Please visit ucbi.com/locations for a complete list of Publix® Presto! and United ATMs or ITMs.

Q: Will I continue to have access to the MoneyPass ATM network?
A: Although United is not a member of the MoneyPass network, you will continue to have access to MoneyPass surcharge-free ATMs until you receive and begin using your new United Community Bank Mastercard debit card.

After this time, MoneyPass ATM use will no longer be surcharge-free. However, you will continue to have access to the Publix® Presto! network which allows access to more than 1,250 ATMs nationwide with no fee.

Q: Will there be any changes with my Reliant Bank credit card?
A: There will be no immediate changes to your credit card account. Continue using your Reliant Bank credit card as you normally do following the transition to United Community Bank. You can still access your account online at ReliantBank.MyApexCard.com.
 
Q: Who do I contact if I have a lost or stolen credit card that was issued by Reliant Bank?

A: Please contact Reliant’s Cardmember Services by calling 1-855-401-4743.


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: 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: 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 Monday, April 25:

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
ABA: #061112843
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: My business has Treasury Management Services. How will these transition?
A: United Community Bank will continue to offer comprehensive and cost-effective solutions to help manage cash flow and streamline business processes. Our solutions include ACH Origination, Wire Transfers, Positive Pay, Corporate Purchasing Cards, and Desktop Remote Deposit Capture.
If you are a Treasury Management customer that uses any of the solutions listed above, additional information about the Treasury Management services transition will be shared separately. We will work directly with you to ensure a smooth transition. Please contact us at 1-800-UCBANK1 and select Option 5 if you have questions about other services not related to Treasury Management, including:
  • General password resets or login ID questions
  • Adding an account or user to your online banking profile
  • Mobile deposit limit changes
  • Business credit cards
  • QuickBooks
  • Bill pay

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 2022 year-end tax information will be issued under United Community Bank.
 

Statements

Q: Will I receive check images with my statements?
A: Check images are included with all eStatements. Business customers receiving paper statements will also continue to receive check images at no cost. However, check images will not be included with consumer deposit account paper statements. You may request to have check images added to your paper statements for an additional monthly fee.

Q: I am currently receiving eStatements. How will I receive my statement going forward?
A: If you already receive eStatements, a notification will be sent to the email address we have in our records when your statement is ready to be accessed through Online and Mobile Banking. You must be enrolled in Online Banking in order to access your eStatements.

Q: Will I continue to have access to my United Community Bank account eStatements through Online Banking?
A: Yes, up to 24 months of eStatements will be available within Online and Mobile Banking. However, there may be a delay accessing eStatements following the conversion. Prior to Friday, April 22, you may find it beneficial to print or save existing documents that you may need to access at a later time.

Q: If I have lost a statement or I need information on transactions that occurred before April 22, whom should I contact?
A: Call us at 1-800-UCBANK1 (1-800-822-2651), and we will be happy to assist you in acquiring the information you need.
 

Online and Mobile Banking

Q: Will United Community Bank’s new Online and Mobile Banking system offer new features and functionality?
A: Yes, you’ll enjoy an enhanced Online and Mobile banking experience that includes:
  • Extra security. Benefit from added fraud prevention and security features including the use of Secure Access Codes and browser registration.
  • Mobile optimization. View and manage all of your bank accounts from your desktop, tablet, or smartphone. All of the features available within Online Banking are also available within the new Mobile Banking app.
  • Personal Financial Management (PFM). Manage and review cash flow, spending trends, assets, debt, and budgets with a single login. PFM makes it easy to track your cash with charts and graphs, see your spending history, categorize transactions, create budgets, and plan for your financial future.

Q: Will there be any disruption in the Online and Mobile Banking service during the conversion?
A: Reliant’s Mobile App will be turned off at 3:00pm CST on Friday, April 22, and Reliant’s Online Banking system will be temporarily unavailable beginning at 4:00pm CST on Friday, April 22 with no access until Monday, April 25 at 7:00am CST while we transition to a new and improved system. We apologize for the inconvenience.
You may begin using the United Online and Mobile Banking system beginning Monday, April 25 at 7:00am CST.

Q: Will there be any disruption in the Bill Pay service during the conversion?
A: The Bill Pay service will be temporarily unavailable beginning Friday, April 22 at 8:00am CST until Monday, April 25 at 7:00am CST as we transition to a new Bill Pay system. Any payments scheduled to be delivered will be sent as 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 the information.

Q: Will recurring and future-dated external transfers set up in online banking automatically convert to the new system?
A: External transfers will not be available after Friday, April 22 at 8:00am CST. External transfers scheduled with an effective date of Monday, April 25 and earlier will be processed as normal. External accounts and transactions with an effective date after Monday, April 25 will need to be reestablished in the new United Online and Mobile Banking system before any external transfers can be processed. We apologize for any inconvenience this may cause.
 

Loans and Lines of Credit

Note: The information provided in this section is not applicable to customers with a manufactured housing loan. Information about manufactured housing loans will be shared separately.

Q: Will my loan account number change?
A: Your current Reliant Bank loan account number may change in order to be compatible with United’s operating system. If your Reliant Bank loan account number is changing, additional information about your new loan account number will be provided separately.

Q: Do I need to do anything if my loan account number changes and I have my loan payments automatically drafted or issued from a different financial institution or Bill Pay Service?
A: Yes. Once you receive your new loan number, please contact your financial institution or Bill Pay service provider and provide the following information to begin using on Monday, April 25 to avoid a possible delay in payment or return for invalid account number:
United Community Bank
P.O. Box 249
Blairsville, Georgia 30514
ABA #061112843
Loan Account #

Q: What are other ways I can make a loan payment?
A: Beginning Monday, April 25, you can make your payment at any United Community Bank branch, online, or mail it to:
United Community Bank
P.O. Box 249
Blairsville, GA 30514

Q: Will I continue to receive a payment statement for my business loan or business line of credit?
A: Yes. Accounts with active balances will continue to receive a payment statement, but it may look slightly different than your current statement. If your payment was automatically debited from your deposit account, you will receive a courtesy payment statement. If your business line of credit reflects an interest balance less than $10, you will not receive a payment statement.

Beginning Monday, April 25, you can make your payment at any United Community Bank branch, post it online, or mail it to:
United Community Bank
P.O. Box 249
Blairsville, GA 30514

Q: Will I be able to use my payment coupon book for my installment loan from Reliant Bank?
A: No. You will receive a payment statement notice for your installment loan beginning with your next payment due after Monday, April 25.

Q: When should I notify my insurance carrier where to send my insurance policy covering the collateral that secures my loan?
A: On or after Monday, April 25, please notify your insurance carrier to update the Loss Payee clause or Mortgagee Clause on all collateral securing your loan(s) to:
United Community Bank
ISAOA ATIMA
P.O. Box 7092
Troy, MI 48007-7092
You will receive a letter shortly after Monday, April 25 which will provide further detail to update the Loss Payee/ Mortgagee clause on your loans.

Q: Will I continue to receive a payment statement for my Installment loan, Overdraft Line of Credit, Home Equity Line of Credit (HELOC), or Mortgage loan?
A: Yes, accounts with active balances will continue to receive a payment statement, but it may look slightly different than your current statement. If your payment was automatically debited from your deposit account, you will receive a courtesy payment statement. If your HELOC account reflects a zero balance, you will not receive a monthly statement; however, a regulatory annual statement will be generated. If your HELOC account or Overdraft Line of Credit reflects an interest balance less than $10, it will not generate a payment statement.

Beginning Monday, April 25, you can make your payment at any United Community Bank branch or mail it to:
United Community Bank
P.O. Box 249
Blairsville, GA 30514

Q: If I have questions regarding my escrow account, who can I call?
A: Please call 1-800-UCBANK1 and select Option 4 to speak to one of our mortgage servicing specialists.

Q: Will I need new checks for my Home Equity Line of Credit (HELOC)?
A: Yes, all customers with a HELOC will be issued new HELOC checks to begin using on Monday, April 25. Please discontinue use and safely discard any old Reliant HELOC checks as of this date.

Q: If my mortgage loan currently has an escrow account, will the escrow balances be transferred to United Community Bank?
A: With the exception of loans originated through Reliant Manufactured Housing Finance (MHF), your existing loan escrow account balances will be transferred and serviced by United Community Bank beginning Monday, April 25, 2022. On or after Monday, April 25, if you receive an insurance bill or tax bill that needs to be paid, take them to your local United Community Bank office or send them directly to our Escrow Department by fax or mail:
United Community Bank
Escrow Department
125 East Broad Street
Greenville, SC 29601
Fax: 864-239-0896
 

Overdraft Management Options

Q: How are overdrafts covered?
A: An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Effective Monday, April 25, United Community Bank may cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a checking account, savings account, or line of credit, which may be less expensive than our standard overdraft practices. Please call or visit any of our locations to learn more.

Q: What are the standard overdraft practices that come with my account?
A: Effective Monday, April 25, United Community Bank may authorize and pay overdrafts for the following types of transactions for qualifying accounts:
  • Checks, ACH, and other transactions made using your checking account number
  • Automatic bill payments
However, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Additional details, including information about fees associated with standard overdraft practices, can be found in the Terms and Conditions. 

Q: Will United Community Bank pay overdrafts on my ATM/ITM and everyday debit card transactions?
A: Yes, we may, at our discretion, authorize and pay overdrafts on your ATM and everyday debit card transactions if you authorize us to do so. You may opt-in to Courtesy Overdraft with ATM/ITM and Debit Card Coverage beginning Monday, April 25, online or by contacting your banker, calling us at 1-800-UCBANK1, or visiting any United Community Bank branch.

Q: Will automatic transfers continue from a linked United Community Bank account for overdraft purposes?
A: Yes, any automatic transfers from deposit accounts or lines of credit that are set up on your United Community Bank accounts for overdraft purposes will continue. Please refer to the Terms and Conditions for additional information about overdraft options and fees.
 

FDIC

Q: Are my accounts still FDIC insured?
A: Yes. You have a six-month grace period to restructure accounts. Under FDIC rules, for at least six months after the January 1, 2022, merger date, your Reliant Bank accounts will be separately insured from any accounts you may already have at United Community Bank. This grace period gives you the opportunity to restructure accounts if necessary.

Following the initial six-month period, checking and savings accounts will be insured as United Community Bank, but Certificates of Deposit may continue to be insured separately for a longer period as described below.

Certificates of Deposit will be insured separately until the first maturity date after the end of the six-month grace period. Separate coverage may be extended based on opening and renewal dates, maturity dates, and varying terms or amounts.

The basic FDIC insurance amount is $250,000 for each depositor at each bank. If you have money in both banks, so long as your combined total (including accrued interest) is $250,000 or less, all your money is fully protected.

Even if the merger results in you having more than $250,000 in the combined deposits, you may still be fully insured. First, remember that deposits you hold in different “ownership categories”—such as joint, single, and retirement accounts— are separately insured up to $250,000. That means, for example, that after the merger you could have up to $250,000 in single accounts and up to $250,000 in your portion of joint accounts and still be fully insured.

If you have questions about your deposit insurance, please contact us or you can call the FDIC at 877-ASK-FDIC and ask to speak to a deposit insurance specialist.
 

Help

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 bank team or call us at 1-800-UCBANK1 (1-800-822-2651).