New Customer Transition Guide

Welcome to a community that cares.

You are our #1 priority, no matter what. Together, we can take on every aspect of your financial needs and dreams.

Enroll in Online Banking

Step 1
Select Personal or Business above—review and accept Service Agreement and Disclosure Statement associated with these services.
Step 2
You will need your account number, social security number, date of birth and access to your email or phone to receive your Secure Access Code (SAC).
Step 3
Follow the onscreen instructions to complete enrollment.

Personal Business

Download the Mobile App

What can be easier than having your own mini-branch in your pocket?

Step 1
Download the United Community Bank Mobile Banking App from the App Store® or the Google Play Store™, available on any iOS® or Android™ device.
Step 2
Log in using your Login ID and password.

Apple Store Google Play

Enroll for eStatements

View, search, save and print statements for all your United Community accounts. It’s totally free, and you can do it from home or on the go.

Step 1
Log in to Online or Mobile Banking.
Step 2
Select Delivery Options within the Statements/Notices menu.
Step 3
Select the pencil icon beside the account(s) you’d like to enroll and change the delivery type to eStatement.
Step 4
Accept the Delivery Agreement and follow the onscreen instructions to complete enrollment.

Set up your bills to be paid

Get the past, present and future activities of all your bill payments in one place. Access it all from your desktop, laptop, tablet or mobile phone.

Step 1
Log in to Online or Mobile Banking.
Step 2
Select Pay Bills.
Step 3
Follow the onscreen instructions to complete enrollment.

Make deposits from your mobile device

Ever taken a check selfie? No worries, all you have to do is snap a picture of your check and deposit it directly to your account. It’s that easy.

Step 1
Utilizing Mobile Deposit first requires downloading the United Community Bank Mobile App. The app is available on any iOS® or Android™ device on the App Store® or the Google Play Store™.
Step 2
Deposit your first check within Mobile Banking. Tap the deposit icon and select New Deposit. Choose the account for deposit, enter the check amount and select Continue.
Step 3
Simply snap a photo of a paper check and follow the onscreen instructions to complete the deposit. Please note, you should keep the physical checks in a secure place until your deposit posts.

Utilize Card Controls

Manage your debit card from your mobile device, as well as set spending limits, lock/unlock its use, and even use GPS to limit transactions to a specified allowable location.

Step 1
Download the Card Controls App from the App Store® or Google Play™ Store.
Step 2
Register at least one card and select New User to start the process.
Step 3
Enter your 16-digit card number, your security validation number, expiration date, registered address and zip code.
Step 4
Accept the Terms and Conditions and create your username/password.

Apple Store Google Play

Register for Overdraft Management

We've all been there. Fortunately for you, however, you have options.

Courtesy Overdraft Coverage
This coverage comes standard for eligible United Community Bank personal checking accounts¹.
Courtesy Overdraft with ATM and Debit Card Coverage
Optional coverage can be added to Courtesy Overdraft that covers overdrafts for everyday debit card transactions².
Overdraft Protection Transfer
This optional coverage allows you to link your account to another United Community Bank savings³ or checking account, money market or a line of credit⁴ that will be used to cover overdrafts.

Download these helpful forms

Account changes

Fill out this form and present it to the financial institution you are coming from.

Download Form

ACH/Auto Withdrawal Change

From mortgage payments and insurance premiums to gym memberships, this form will help update your auto draft information.

Download Form

Direct Deposits

Free up time with fewer trips to the bank. Direct Deposit is a convenient, free service that automatically deposits funds into your account quickly and securely.

Download the Form

Learning Center

Inventive Ways for College Students to Save Money

Balancing social and financial expenses as a college student isn’t easy, and it can often become a major headache. At United, we’re here to help. Read more to learn tips and tricks on how you can save money.

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A Mortgage That Works For You

Just because you can doesn’t mean you should. It’s a lesson that applies to so many things—including buying a home. Just because you’re approved for a certain loan amount, that doesn’t mean you should spend that much on a home.

Read Article

elder couple playing tennis during retirement

Retirement Savings: How Much Is Enough?

Not saving enough yet? It’s never too late to make changes. If you have a spouse or partner, work together on a plan both of you can get behind.

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We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any overdraft transaction.
²Courtesy Overdraft with ATM and Debit Card Coverage is a discretionary service. We do not guarantee that we will always pay any overdraft transaction. Customers must opt in to authorize us to pay overdrafts on ATM and everyday debit card transactions. Customers may also choose to opt out of the Courtesy Overdraft Program.

³Transaction restrictions may apply. See account agreement disclosures for details.

⁴Subject to credit approval. Other restrictions may apply.