Frequently Asked Questions

General

Q: When will Seaside Bank and Trust complete its transition to United Community?

A: The transition from Seaside Bank and Trust to United Community will be completed over the weekend of July 29 and take effect on Monday, July 31.

 
Q: Will I continue to work with my dedicated banker?

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. You should continue to conduct your banking as you always have, and you will continue to experience the same great service from the team of bankers you have come to know and trust.

 
Q: Will my local banking office 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 continue to have access to all United Community branches?

A: Yes, you may continue to conduct transactions at all of United’s branch locations throughout Florida, Alabama, Georgia, North Carolina, South Carolina, and Tennessee. Visit ucbi.com/locations for a complete list of United’s locations.

 
Q: What changes are being made to my account(s) with Seaside?

A: No changes are being made to the features, benefits, and fee structure of your current accounts. Beginning July 31, all bank statements and notices will be sent from United Community.
 
If you have any questions regarding your account type or the fees associated, please contact your banker or call us at 1-800-UCBANK1.

 
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.

 
Q: Will I need new checks or deposit slips for my accounts?

A: Please continue using your current checks and deposit slips until your supply is gone. When it is time for you to reorder, please contact United Community to ensure you receive checks with the updated routing number. The updated routing number is 061112843.

 
Q: Will direct deposits, online bill payments, and automatic payments continue to process as normal?

A: Yes, your direct deposits, online bill payments, 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 have access to 24-Hour Telephone Banking?

A: Yes, you will have access 24-Hour Telephone Banking by dialing 1-800-UCBANK1 and selecting Option 1. You will be able to check your account balance, review transactions, transfer funds, make a payment, report lost or stolen cards, and more.

 
Q: Will there be any changes with my Seaside Bank and Trust Mastercard debit card?

A: Please continue to use your current Seaside Bank and Trust debit card as you do today. Limits for cash and debit withdrawals will remain the same.
 
You will receive a new United Community Mastercard debit card prior to your current card expiring. Until you receive your new United Community Mastercard debit card, continue using your Seaside Bank and Trust debit card.

 
Q: Will I have to pay fees when I use a United Community ATM?

A: There are over 180 ATMs throughout the United Community 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.

 
Q: Will there be any changes with my Seaside Bank and Trust credit card?

A: There will be no changes to your credit card account. Continue using your Seaside Bank and Trust credit card as you normally do following the transition to United Community.
 
You will receive a new United Community credit card prior to your current card expiring. Until you receive your new United Community credit card, continue using your Seaside Bank and Trust credit card.

 
Q: Will there be any changes to my safe deposit box?

A: There will be no changes to your safe deposit box.

 
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, July 31:
 

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 reference information here

 
Q: My business has Treasury Management Services. How will these transition?

A: All Treasury Management Services will transition to United Community without any interruptions. We will continue to offer comprehensive and cost-effective solutions to help manage cash flow and streamline business processes.
 
Please contact us at 1-800-UCBANK1 and select Option 2 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 2023 year-end tax information will be issued under United Community Bank.

Statements

Q: Will I receive check images with my statements?

A: Check images will continue to be 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 continue to 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 eStatements through online banking?

A: Yes, up to 24 months of eStatements will be available within Online and Mobile Banking.

Online and Mobile Banking

Q: Does United Community’s Online and Mobile Banking system offer the same features and functionality?

A: Yes, you’ll continue to enjoy the same 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.
• My Money Manager. Manage and review cash flow, spending trends, assets, debt, and budgets with a single login. My Money Manager 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 Online and Mobile Banking services during the transition from Seaside Bank and Trust to United Community?

A: There will be no disruption to Online and Mobile Banking services during the transition. You will continue to log in using the same Login ID and password from either ucbi.com or the mobile app.

The Seaside mobile app will update to the United Community mobile app by July 31. Auto updates must be enabled for this to occur automatically. Otherwise, you must manually update the app in either the Apple App Store or Google Play Store.

Q: Does United Community’s Online and Mobile Banking system offer the same features and functionality?

A: Yes, you’ll continue to enjoy the same 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.
• My Money Manager. Manage and review cash flow, spending trends, assets, debt, and budgets with a single login. My Money Manager 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 Online and Mobile Banking services during the transition from Seaside Bank and Trust to United Community?

A: There will be no disruption to Online and Mobile Banking services during the transition. You will continue to log in using the same Login ID and password from either ucbi.com or the mobile app.

The Seaside mobile app will update to the United Community mobile app by July 31. Auto updates must be enabled for this to occur automatically. Otherwise, you must manually update the app in either the Apple App Store or Google Play Store.

Loans and Lines of Credit

Q: Will my loan account number remain the same?

A: Yes, your loan account numbers will remain the same. 
 

Q: What are the ways I can make a loan payment?

A: You can make your payment at any United Community branch, online at ucbi.com/support/make-a-loan-payment, 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.

You can make your payment at any United Community branch, post it online at ucbi.com, or mail it to:
 
United Community Bank
P.O. Box 249
Blairsville, GA 30514

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, July 31, 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 41-8007-7092

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 $10.00, it will not generate a payment statement.
 
You can make your payment at any United Community 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 continue to use the same checks for my Home Equity Line of Credit (HELOC)?

A: Please continue using your current checks until your supply is gone. When it is time for you to reorder, please contact United Community to ensure you receive new checks with the updated routing number. The updated routing number is 061112843.

Q: Will my loan account number remain the same?

A: Yes, your loan account numbers will remain the same. 
 

Q: What are the ways I can make a loan payment?

A: You can make your payment at any United Community branch, online at ucbi.com/support/make-a-loan-payment, 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.

You can make your payment at any United Community branch, post it online at ucbi.com, or mail it to:
 
United Community Bank
P.O. Box 249
Blairsville, GA 30514

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, July 31, 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 41-8007-7092

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 $10.00, it will not generate a payment statement.
 
You can make your payment at any United Community 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 continue to use the same checks for my Home Equity Line of Credit (HELOC)?

A: Please continue using your current checks until your supply is gone. When it is time for you to reorder, please contact United Community to ensure you receive new checks with the updated routing number. The updated routing number is 061112843.

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. United Community may cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account (see below).

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: United Community 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.

 
Q: Will United Community pay overdrafts on my ATM 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 and Debit Card Coverage online at ucbi.com/courtesy or by contacting your banker, calling us at 1-800-UCBANK1, or visiting any United Community branch.

 
Q: Will automatic transfers continue from a linked account for overdraft purposes?

A: Yes, any automatic transfers from deposit accounts or lines of credit that are set up on your United Community accounts for overdraft purposes will continue.