United Community Bank: Your Digital Banking Hub

United Community Bank (UCB) offers a comprehensive suite of digital banking services, including online and mobile banking, designed to provide customers with secure and convenient access to their finances. These digital tools empower you to manage your accounts around the clock, directly from your desktop, tablet, or smartphone. UCB is committed to delivering outstanding service and integrating the latest banking technology to meet your evolving financial needs. Our digital portal makes banking simpler and more accessible than ever before. At United Community Bank, we understand the importance of seamless financial management. Our online banking platform provides a personalized and efficient way to handle daily transactions and monitor your financial health. Whether you're in Springfield, IL, or on the go, our digital services ensure your banking experience is always at your fingertips.

Readying Your Setup for Online Account Access

• To begin your online banking journey, you will need your account number and Social Security Number for identification.
• Access to a reliable phone number (mobile or landline) is essential to receive a Secure Access Code (SAC) for multi-factor authentication, which verifies your identity during login.
• Ensure your computer or mobile device uses a supported web browser; please note that Microsoft Internet Explorer is no longer supported.
• For mobile banking, your device should meet specific operating system requirements (e.g., iOS 14.0+ or Android 5.0+) and have a camera with at least 2.0+ Megapixel resolution for mobile check deposits.

Navigating Your Online Banking Entry Point

1. First, open your web browser and go to the official United Community Bank website at ucbbanks.com.
2. Locate and select the appropriate login type, such as Online Banking Login.
3. Enter your unique User Name and Password into the designated fields.
4. If you are logging in from a new or unrecognized device, or if you're using a public computer, you'll be prompted to receive a Secure Access Code (SAC) via text message or phone call.
5. Input the Secure Access Code into the verification field to proceed.
6. You'll have the option to register your device for future logins, which can skip the SAC step, but it's best to avoid this on public or shared computers.
7. On the mobile app, you can enable biometric authentication like Face ID or fingerprint for a quick and secure login once your device is registered.

Unlocking Your Digital Banking Capabilities

• Account Overview: Easily view your current account balances and detailed transaction history for all your UCB accounts.
• Fund Transfers: Seamlessly move money between your United Community Bank accounts or set up transfers to external financial institutions.
• Bill Payment: Manage and pay your bills electronically using the integrated Bill Pay service, with options for one-time or recurring payments.
• Card Controls: Gain comprehensive control over your debit and credit cards. You can instantly turn cards on or off, set spending limits, and manage travel notices directly from your digital portal.
• Mobile Deposits: Conveniently deposit checks using your smartphone's camera through the mobile app, saving you a trip to the branch.
• Zelle® Integration: Send and receive money quickly and securely with friends and family you trust using Zelle®.
• Customizable Alerts: Set up real-time account alerts for various activities, including low balances, large transactions, or security events, delivered via email or push notification.
• eStatements & eNotices: Access and view your electronic statements and notices securely online, reducing paper clutter.
• My Money Manager: Utilize this free tool for budgeting, tracking spending habits, setting financial goals, and even creating debt payment plans.
• Tax Document Access: Easily retrieve and view your important tax documents through your digital banking platform.
• New Account Opening: Initiate the process of opening new personal or business accounts directly through the app.
• Credit Score Monitoring: Keep an eye on your credit score to help maintain your financial health.
• Business Banking Solutions: Business clients can benefit from specialized features like ACH payments, wire transfers, Positive Pay fraud prevention, and configurable employee access levels.

Restoring Seamless Access to Your Digital Account

Maintaining the Integrity of Your Digital Finances

• 🔒 Regularly update your computer and mobile device's operating system, security software, and web browser to protect against vulnerabilities. Always install and maintain up-to-date anti-virus programs.
• 🔒 Connect only to trusted and secure Wi-Fi networks. If using your home Wi-Fi, ensure it is password-protected to prevent unauthorized access.
• 🔒 Create complex and unique passwords for your digital banking. We recommend changing them periodically, such as every 90 days, to enhance your account integrity.
• 🔒 Be vigilant against phishing attempts. United Community Bank will never ask for your login credentials, PINs, or sensitive financial details via unsolicited calls, emails, or text messages.
• 🔒 Actively monitor your account statements and transaction history for any unfamiliar or suspicious activity. Report anything unusual promptly.
• 🔒 Always remember to log out of your online banking session when you are finished, especially if you are using a public or shared computer.
• 🔒 Utilize Card Controls within your digital banking platform to quickly lock or unlock your debit card and set spending limits, adding an extra layer of protection.
• 🔒 Set up security alerts and push notifications through your digital banking to be immediately informed of specific account activities.

Getting Quick Solutions for Online Banking Inquiries