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United Community Bank

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Features & Services

No matter how large or small your business may be, our Business Services can help you save time and money through a variety of solutions designed to fit your business's needs. Contact one of our Business Solutions consultants today to get a customized plan to help you build your business and maximize your efficiency. To learn more, please call us at 866.505.3736, or email onlinesupport@ucbanking.com.


Spend more time running your business and less time running to the bank with Merchant Deposit Services, which allow you to deposit checks from your office using a desktop scanner and bank-provided software. If you’d like to utilize this service, you can apply online or ask a Retail Representative for more information.

Merchant Deposit Service Application

Monthly service fee: $29.99
Per item fee: $0.08
Initial setup fee: $65.00

Bank-approved scanner required to utilize this service.


Safe deposit boxes are available at most United Community Bank Offices, and they’re a great option when you need a secure place to store valuables and important documents. The contents of safe deposit boxes are not FDIC insured, and pricing varies by box size.

Merchant Services/Credit Card Processing

We offer a variety of credit card processing through our affiliation with BancCard. BancCard services Retailers, Restaurants, Hotels, Mail & Telephone Order Merchants, Business to Business, In-home Business, and Internet Merchants. BancCard of America, Inc. processes all major credit cards (Visa, MasterCard, American Express, Discover and Diners Club), and on-line and off-line debit cards. Other services include: check guarantee, check verification, conversion of checks to electronic media, electronic gift card, wireless solutions, next day availability of funds and internet-based processing of credit cards for internet web sites. If you are interested in more information, click here and provide your contact information


This service allows you to make payments and collect funds electronically through the National ACH Network. Typical ACH Services include:

  • Direct deposit payroll
  • Monthly payments
  • Monthly payment collections
  • Federal and State tax payments
  • Monthly service fee: $15.00
  • File submission fee: $5.00 per file
  • Fee for each ACH Debit/Credit: $0.20
  • Pre-note fee: $0.20
  • Initial setup fee: $35.00


When you choose United Community Bank for your business banking needs, you’ll have full access to our online and mobile banking services so you can manage your business on the go. With Business Online you can:

  • View account balances
  • Establish multiple employees and designated access levels
  • Transfer funds and approve transfers via our Mobile App
  • Make payments
  • Set up account alerts
  • Initiate Wire Transfers at a reduced rate+
  • Manage your bills with Business Billpayer
  • Review statements and sign up for eStatements and eNotices
  • Business Mobile Deposit

Additionally, Business Services such as ACH Origination and Merchant Deposit are available through our Business Online Banking Service. To utilize our Business Mobile App, you must be enrolled in Business Online Banking.

+ See a Representative for Business Online Wire Transfer Qualifications