United Community Bank

Personal Banking Login

Business Banking Login

Security Policy

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.

At United Community Bank, we’re serious about protecting your personal information. We use a variety of security tools — from requiring a User ID and Password when you log in, to using encryption for all your online transactions.

We need your help, too. Protecting yourself online starts with knowing how to prevent fraud.

United Community Bank is serious about safeguarding your personal information online and on mobile devices. As a security measure, you may access your account information from the UCBanking.com website or United Community Bank Consumer or Business App if you are currently enrolled in online banking.

UCBanking.com and our Mobile Apps use secure technology to encrypt your personal information such as User IDs, Passwords and account information over the Internet. United Community Bank will not solicit access codes, passwords or any other sensitive information unless initially contacted by the customer for customer support reasons.

Your online banking password ensures that only you can access your confidential information. Your password must contain a minimum of 8 characters with a maximum of 17, is case sensitive, and must contain a mix of letters and numbers but cannot contain spaces.  You will be prompted to change your password every six months.  Please remember this password and keep it secure. If you forget your password, you can use the reset feature or contact us at 866.505.3736.

When you submit information through an online form, we’ll encrypt it to help keep your information secure. In other words, we scramble your details en route and decode it when we receive it. Please make sure your web session is secure by looking for a small lock symbol in the lower corner of your web browser window. Current versions of leading web browsers use this symbol to indicate when a web page is encrypted. You may also look for the letters “https://” at the beginning of your website URL in your web browser. The “s” means that the web connection is secure.

United Community Bank is not responsible for third parties’ (companies we link to from our websites) online security practices. In most cases, we provide links to non-United Community Bank websites solely to help you find more information about topics that interest you. Third party websites may have different privacy policies and/or security standards to govern their sites.

We created our websites for customers and potential customers, most of whom are adults. However, children may access our websites to request information and apply for certain products and services, like student loans. When children access our websites, we are confident that they and their parents will find none of our content to be objectionable. We encourage parents to install any of the various available software packages to prevent their children from accessing inappropriate websites.