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Find what you need. And then some.

We are committed to providing outstanding service to our customers and our community, starting with you.

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

How do I apply for a loan?

This loan will be packaged as an SBA 7(a) loan, and businesses can apply through qualified lenders including United Community Bank, a preferred lender for the SBA. SBA application fees will be waived. Due to the minimal program requirements, the approval and funding process will be streamlined, resulting in getting capital in the hands of businesses who need it most. If you are a current United Community Bank customer, please reach out to your banker. If you are not a United Community Bank customer, we encourage you to contact us to discuss options for your business.

Am I eligible for a loan?

Small businesses that were in operation prior to Feb 15, 2020, with 500 or less contract or salaried employees, are eligible to apply for this loan. Businesses must have paid salaries and payroll taxes and/or independent contractors as reported on Form 1099-MISC.

How long will it take to get my loan proceeds?

Once the SBA releases further details and guidance on the Paycheck Protection Program, United Community Bank can approve your loan and disburse funds as fast as possible, sometimes in less than 48 hours, by ACH payment.

How is the loan amount determined?

Loan amounts are calculated by taking your business’s average monthly payroll and multiplying it by 2 ½ . Your monthly payroll includes wages, tips, group health, retirement benefits and taxes but excludes the amount of compensation to individuals in excess of $100,000. The maximum loan amount is $10 million. There are other important details in calculating the average monthly payroll.

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Learning Center

4 Strategies to Pay Off Your Mortgage Faster

By United Community Mortgage Services

If you’re a homeowner, your house payment is probably one of the highest bills you pay each month. So imagine what life would be like if you could eliminate that monthly expense.

Check out our four strategies to learn more about ways you could potentially pay off your mortgage years before you’re obligated to and, in the process, save thousands of dollars.1
 
Read Article

Protect Yourself from Cybercrime

Every 40 seconds, a new cyber-attack starts1. With cybercrime increasing every year, it’s more important than ever to make sure your personal information is secure.

Thankfully, you don’t need a degree in IT or complete knowledge of hacking methods to protect yourself. Small, simple actions will make an exponential difference in your personal security and decrease your risk for fraud.

Read Article

5 Things to Consider Before Buying a Second Home

By United Community Mortgage Services

I think it’s safe to say we’ve all spent more than our fair share of time at home lately. And that might have you thinking about buying that home on the lake, beachfront getaway or mountain retreat – somewhere you can quickly and easily get away for a few days (or even a few months!).

But before you make an offer on a second home, you need to do your research to make sure that investment really makes sense for you.
Read Article

Your security is our top priority. But we need your help.

To ensure that your financial information is secure whenever you use the Internet, we’re asking you to take a few minutes right now to make sure you’re using the most current version of your Web browser. That’s because the browser—the software application that lets you surf the Web—also plays a huge role in protecting you and the data you choose to share when you’re online. The most common browsers are Microsoft Internet Explorer®, Mozilla Firefox®, Google Chrome™ and Safari®. As online fraud and theft evolves, browsers must become more secure with each new version. That’s why companies that provide Web browsers continually release patches to stay one step ahead of fraudsters. So it’s vital that individual users, like you, routinely apply the upgrades to stay protected-on your smartphone, tablet and computer.

Always using a current Web browser is vital to keeping the information you share and the sites you visit secure. This includes the financial information you view and exchange while using Online Banking. Knowing you’re using the most current version is one of the best ways to give yourself peace of mind.

There are many versions in use today that provide adequate protection. If you’re using any of these you’re in great shape:

Please note: Microsoft Internet Explorer® is no longer supported as of July 7, 2020. For a more secure experience, we recommend using a browser from the list above. 

If you’re unsure which version you’re using, please refer to the browser identifier on our support page which displays the browser you are currently using to access this page. You may also check with the browser provider to make sure it’s current. To do this, simply visit the website of your preferred provider and navigate to their updates/patches.

If you have questions or need assistance updating your browser, please contact us during business hours at 1-800-822-2651.