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Personal Services

Online Logins

stack of cash icon Manage Your Money

With UCB’s digital banking you’ll enjoy the convenience of a banking anytime, anywhere, with a seamless experience on desktop, tablet, or mobile. Features include the ability to store images of receipts and warranties in a transaction, pay bills, pay other people (P2P), deposit checks, turn your debit card on/off, message the bank, budget and set goals, add external accounts, and more. You can also set up optional security features like Out of Band Authentication, PIN login, Face ID or Touch ID (on eligible devices).

Learn more about digital banking

Enroll in digital banking


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Pay Virtually

Add your United Community Bank debit card to your mobile wallet like Apple Pay®, Google Pay™, or Samsung Pay® to make purchases with your mobile device.

Learn more about mobile pay


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Call 24/7 for Banking Information

(218) 346-LOOK (5665) or (833) 346-LOOK (5665)

Enjoy 24-hour access to account information wherever you are using our automated telephone banking service! Check your balance and transaction history for checking and savings accounts, as well as CDs, IRAs, and loans. You may also transfer funds and make loan payments.


  1. Activate Card – Enter 16 Digit Number
  2.  Account Info
    1.  Checking:
      1. Enter Account Number
      2. Enter PIN
    2. Savings
      1. same menu as checking
    3. CD
      1. same menu as checking
    4. Loan
      1. same menu as checking
  3. Transfer Funds
    1. from Checking
      1. 1 – to checking
      2. 2 – to savings
      3. 3 – to loans
    2. From savings (same menu as checking)
  4. Change Telephone Banking PIN
  5. Report Lost/Stolen Card
  6. Transfer to Bank

Help Options

  • End call press #
  • Reply current menu press *
  • To return to the previous menu press **
  • Return to beginning main menu press 9
  • To be transferred to the bank press 0

First-time User?

You will need to know your account number. Your initial PIN is the last 4-digits of your SSN. You will need to change this the first time you access the system before it will give you any information.

Locked Out?

If you are locked or forgot your PIN, call us at (218) 346-5700 and we will reset it.


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Make Payday Easy

Have your payroll or Social Security check automatically deposited into your UCB checking or savings account by setting up direct deposit. Our routing number is 091210074.


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Make It Official

We provide free Notary Service and Medallion Signature Guarantees to all UCB customers.


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Avoid Embarrassing Overdrafts

Rest easy knowing you have an extra source of cash with our Checking Plus Credit Line. Credit approval required.

Learn more about a Checking Plus Line of Credit


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Easily Store Statements

Love the convenience of e-statements but want to easily store a copy at the end of the year? Have up to a year’s worth of statements burned to a CD for $25.


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Keep It Safe

We offer a variety of sizes of safe deposit boxes to suit your needs. Rental fees range depending on the box size you need. Contracts are 12 months. Stop in and see us to set up your box.

Please note that the FDIC does not insure box contents.


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Link Accounts

Avoid unintentional overdrafts by linking your savings account to your checking account. We’ll automatically transfer the money you need to maintain a positive balance.


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Send or Receive Money

Have the option to send or receive money from other financial institutions conveniently with ACH or wire options. Contact a personal banker to learn more.


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Reorder Checks

Order your checks from the convenience of home through Mainstreet® check ordering. Summit and Peak customers are encouraged to contact the bank to order for their discount. Contact us at 218-346-5700 to order your checks!


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Protect Yourself

Protect yourself and your family from identity theft and fraud.