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
- 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.
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 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.
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
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
- 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.