Frequently Asked Questions Regarding Business Online Banking

Q: How do I enroll for Business Online Banking?

A: Under Business Online Banking, click "Enroll Now," choose the plan that best suits your needs and complete the form. When the form is submitted you will receive a phone call from our support team within 2 business days.

Q: What do you do if you forget your password?

A: Click on the Forgot Password button on login screen, you will receive information on how to contact Customer Support. You will need to know the answer to your security question before your password can be reset. Please include your bank location in the email.

Q: When I log in I get the error message "Invalid Customer Security Code." What am I doing wrong?

A: When entering the Access ID and password given to you, make sure you're entering them in the proper case. The system is case sensitive.

Q: If I want to send an email to ecorp@ucbi.com for support, what information should I include?

A: For us to help you in a timely manner, it is helpful for you to include certain information to verify your identity. You should always include your bank location, the name on the account, your security answer and a preferred form of contact. If you would like a phone call please include your phone number and the best time to call.

Q: Who do I contact if I have questions concerning Business Online Banking?

A: You can contact support at (866) 270-6100, Monday-Friday 8:30 AM - 5:00 PM. Or you can email ecorp@ucbi.com. You will need to know the answer to your security question to verify your identity.

Q: When I enroll for Business Online Banking Basic, I am asked to enter a security question and answer. What is my security question and answer?

A: Your security question and answer is used as a security procedure to prevent someone calling Support on behalf of your account. You define your security question and answer. An example of a security question would be "What is my mother's maiden name?" When calling Support for maintenance on your account, you will be asked your security question and you will need to provide the correct answer to receive assistance. Be sure to set your security question and answer to something that no one else will know.

Q: How do I add/change the accounts that I am viewing through Business Online and Bill Payment?

A: You may contact Support at (866) 270-6100, Monday-Friday 8:30 AM - 5:00 PM. We do not recommend sending an email containing account numbers since the information would not be secure.

Q: When enrolling for Business Online Banking, do I use all the numbers at the bottom of my check for my account number?

A: The following is an example of the numbers at the bottom of your check. You only need to enter the account number when enrolling for Business Online Banking.

Q: How secure is Business Online Banking?

A: UCBI maintains rigorous security standards and procedures regarding unauthorized access to customer information. We issue a unique Access ID and Password that identifies the customer when logging onto Business Online Banking. In relation to Technology, UCBI uses the Secure Socket Layer for transferring data and the highest type of encryption 128 bit. SSL is the technology used to make sure that users establish sessions with Internet sites, which are secure. It protects data with (1) authentication, which ensures that the customer is actually communicating with the bank and not someone impersonating the bank, (2) encryption, the scrambling of transferred data so that account information cannot be intercepted and read by a third party, and (3) data integrity, the verification that the information sent by the customer to the bank has not been altered during the transfer.

Q: What is the charge for Business Online Banking?

A: We have designed three different options to choose from. Choose Learn More under Business Online Banking from our home page to view the options and pricing. We do offer a basic plan for small businesses at no cost.

Q: Can you transfer funds from CDs and IRA accounts to your checking and savings accounts?

A: No, you can only transfer between your checking, savings and loan accounts.

Q: Can you export financial information to Quicken, QuickBooks or MS Money?

A: Yes, there is an Export function in the Transactions Menu to allow exporting to these programs.

Q: How long is account history maintained?

A: Checking accounts for up to 60 days
Savings accounts for up to 120 days
CDs for up to the life of the CD
IRAs for up to the life of the IRA
Loans for up to the life of the loan.

Q: What is the time frame for viewing the check images?

A: The images will be available for current and previous month statements.

Q: What is the cutoff time for a transaction to be posted on the same business day?

A: The cutoff time for internal and wire transfers is 5:00 p.m.  The cutoff time for ACH files and transfers is 4:00 p.m.

Q: I need to change my address and email address, who should I contact?

A: You will need to contact a Customer Service Representative at your bank to change your mailing address. To change your email address you can submit an email to ecorp@ucbi.com or call 866-270-6100 to speak with an Online Banking support technician.

Q: How long can I view my statements and notices online?

A: You can view checking and savings statements for the previous 6 months through the Documents option in Business Online Banking. Notices are available for previous 60 days.

Q: How do I change my password or security information?

A: Once you have logged into Business Online Banking, select Options at the top of the screen and click Change Password or Change Security Data. Then enter your new information in the appropriate fields and click Submit.

Q: How do I enroll for Business Bill Payment?

A: Once you have logged into Business Online Banking, select Bill Pay Enroll at the bottom of the screen. After accepting the terms and conditions you will need to complete and submit the application. Your Access ID and Password entered on the application will be active the following business day and an activation code will be mailed to the business address with 7-10 days.

Q: Can I use Business Bill Payment without an activation code?

A: You may log into Business Bill Payment and enter Payees but you will not be able to submit a payment until you enter the activation code mailed to you.