Your Password.

You determine what password you will use, and your password is not communicated to us. You agree that we are authorized to act on any instructions received under your password. You are responsible for the confidentiality and security of your password and agree to change your password regularly. Your password must contain no fewer than nine characters. For purposes of security, we recommend that you create a password that utilizes numbers, uppercase letters, and lowercase letters. Your password should not be well-known or predictable phrases or be associated with any commonly known personal identification, such as Social Security number, address, date of birth or names of any children or spouse. Your password should be memorized rather than written down. After three unsuccessful attempts to use your password, your access to the SYSTEM will be revoked. To reestablish your authorization to use the SYSTEM, you may use the "forgot password" option. You may also contact our customer support for assistance. While this may be inconvenient, it is done as a security precaution. Notify us AT ONCE if you have lost your password or if you think someone else may have it, so we can take appropriate action.


In order to utilize the SYSTEM, you must have the appropriate personal computer, related equipment, software and connectivity (collectively, the "Equipment"). You understand and agree that it is your sole responsibility to obtain, install, operate and maintain the Equipment in accordance with the instructions of the manufacturer and to obtain the necessary software and connectivity, such as telephone lines or cable access.

An iPhone or an Android device is required in order to download the native applications available in the Apple App Store and Google Play Store. Mobile Banking software may not be compatible with every Mobile Device. UCB Bank does not represent or warrant the performance or operation of any Mobile Device.

Hours of Access.

You can use the SYSTEM seven (7) days a week, twenty-four (24) hours a day. At times, some or all SYSTEMs may not be available due to an emergency or scheduled SYSTEM maintenance. We may post a notice of any extended periods of non-availability on the SYSTEM website.


In order to prevent misuse of your accounts through the SYSTEM, you agree to promptly examine your statement for each of your accounts as soon as you receive the statement(s). You agree to protect the confidentiality of your account and account number and your personal identification information, such as your driver’s license number and Social Security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your password and login identification are intended to provide security against unauthorized entry and access to your accounts. Data transferred through the SYSTEM is encrypted to provide transmission security, and the SYSTEM utilizes identification technology to verify that the sender and receiver of SYSTEM transmissions can be appropriately identified by each other. Any person having access to your Login Credentials will be able to access these Services and perform all transactions, including reviewing Account information and making Transfers to other Accounts and to other persons. You are responsible for safeguarding this information. Providing this to another person effectively constitutes a grant of authority to access or make transactions on your Accounts. Even though we make reasonable efforts to ensure that the SYSTEM is secure, you acknowledge that the Internet is not totally secure and it is possible that all data transfers, including electronic mail, can be monitored and read by others. We cannot and do not warrant that all transactions utilizing the SYSTEM, or email transmitted to and from us, will not be monitored or read by others. By using the SYSTEM, you agree to accept this risk.

You hereby consent to the level of security outlined in these Terms and Conditions and acknowledge that the Bank is unable to guarantee the security of the information sent or displayed via the SYSTEM. You also agree that the Bank is not responsible for any breach of security of the SYSTEM caused by you or a designated user’s failure to maintain confidentiality of identification data. The Bank reserves the right to restrict or revoke your access to the SYSTEM if the Bank believes that these Terms and Conditions have been violated. Account information includes, but is not limited to, the balance information; the status and description of any or all items, debits, credits or charges related to any one or more of the accounts; the account history (statements, reconciliation, importing and exporting data); and all other information about the activity associated with any one or more of the account(s).

Your Right to Terminate.

You may cancel your access to the SYSTEM at any time by contacting us by phone, written notice or in person at any one of our branch locations. Your access to the SYSTEM will be suspended within three (3) business days of our receipt of your instructions to cancel your access to the SYSTEM. You will remain responsible for all transactions and outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate.

You agree that we can terminate or limit your access to the SYSTEM for any of the following reasons without prior notice:

  • Without prior notice, if you have insufficient funds in any one of your accounts. The SYSTEM may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits.
  • If you have not logged into the system after 365 days you have opted to terminate the service and could be removed from the SYSTEM.
  • Upon reasonable notice, for any other reason at our sole discretion.

Communications Between Us and You.

Unless these Terms and Conditions provide otherwise, you can communicate with us in any one of the following ways:

  • Contact us by email at: EServices@UCBbank.com. (Please note that banking transactions through the SYSTEM are not made via email.)
  • Contact us by telephone at: 1-855-822-5880
  • Write to us at:
    • United Community Bank
    • E-Services
    • P.O. Box 80
    • Auburn, IL 62615
    • Visit us in person at any one of our branch locations.