UCBI (United Community Bank Inc) Online Banking
United Community Bank Inc. (UCBI) started in 1950 serving Georgia, North Carolina, and Tennessee with more than 100 branches serving these regions. • Website – www.ucbi.com • Customer Service Telephone – 1(706) 781-2265 • Routing Number – 061112843 • Swift Code – WFBIUS6S
Customer Service Telephone
1(706) 781-2265
Online Banking Login
How to Log In 1. Go to www.ucbi.com. 2. Select your account type. 3. Enter your use ID. This will direct you to another page. 4. Enter your password. UCBI Online allows you to do any of the following: • Review balances and all accounts • Search for transactions • Apply for loans • Transfer funds • Conduct online bill-pay • Download eStatements up to 18 months How to Enroll Clients have three options. 1. Via telephone at 2. By visiting any UCBI branch. 3. Online through www.ucbi.com. Clients will be asked to provide personal and banking information to complete their online profile. Mobile Banking The UCBI banking app allows users to access banking services on their Apple or Android phones. You may download the app from Apple iTunes Store or Google Play Store. The app allows users to: • View Accounts • Find a Local Branch • Transfer Funds • Pay Bills • Make Deposits • Activate Notifications
Routing/Wiring Instructions
Wiring Instructions Please go to the nearest UCBI branch to transfer funds. Provide the following information: For Domestic Wire – Up to 24 Hours for Processing • Bank Name • Routing Number – 061112843 • Address of Bank • Creditor’s Name • Creditor’s Account Number For International Wire – Up to 7 Days for Processing • Intermediary Bank – Wells Fargo Bank Intl, 420 Montgomery Street, San Francisco, CA • Swift Code – WFBIUS6S • Beneficiary Bank – UCBI • Routing Number – 061112843 • Customer’s Name • Customer’s Account Number Auto Loan Rates Calculator UCBI has a free auto loan calculator helping individuals and businesses to know how to afford a new or used vehicle based on financial variables like monthly payment, down payment, trade-in value, and interest rates. Clients may also be able to view payment schedules. How to Compute 1. Get Maximum Auto Price Go to http://www.ucbi.com/Customer-Support/Popular-Requests/Calculators/How-much-can-I-afford. Fill in the following blank fields with the following in order to see how much you can afford: • Highest Monthly Payment that is Comfortable for the Borrower • Down Payment • Trade-in Value of Previous Vehicle • Loan Term (in months or years) • Interest Rate Click “Compute” to get your maximum suggested purchase price. 2. Find Loan Rate Go to http://www.ucbi.com/Customer-Support/Popular-Requests/Calculators/What-rate-would-I-need-to-earn-on-my-savings. Provide the following information: • Purchase Price • Down Payment • Payment Amount per Month • Loan Term Click “Compute” to get the loan rate. 3. Find Loan Payment Go to http://www.ucbi.com/Customer-Support/Popular-Requests/Calculators/Calculate-your-loan-payment. Provide the following: • Purchase Amount • Down Payment • Loan Term (months/years) • Interest Rate Click “Compute” to view how much each of the monthly amounts will be during the course of the loan period. Home Loan Rates Calculator UCBI also offers a financial calculator for home loans. You will be able to determine the following things for consideration: 1. Should I Refinance? This calculator will show if refinancing is the best option for you. To refinance at lower interest rates, other charges apply. The results depend on how long you plan to keep your ownership. Fill in with the information below: • Current Loan: 1. Original loan sum 2. Original mortgage length 3. Date of loan 4. Current interest rate • New Loan: 1. Amount you wish to cash out upon refinance 2. New interest rate 3. Points 4. Fees and closing costs 5. New loan term • Other Information: 1. Income tax rate 2. Savings rate 3. How long you will keep this ownership Click “Compute” to see the results. 2. How Much Will My Fixed Rate Mortgage Payment Be? This calculator computes the payments per month using monthly interest compounding for a fixed rate loan. Fill in with the information below • Property price • Down payment • Loan term • Interest rate 3. How Much Will My Adjustable Rate Mortgage Payments Be? This computes the estimated payments and interest for an adjustable rate loan. Fill in with the required information listed below: • Home price • Down payment • Loan term • Beginning interest rate • Life rate cap • Maximum amount the rate will increase at the first interval • Maximum amount the rate will increase at each subsequent interval • Number of months before the first rate increase • Number of months between subsequent rate increases 4. How Much Will My Payments Be For a Balloon Mortgage? This computes the payment necessary for a mortgage with a balloon payment using monthly interest compounding and monthly payments. The term of a balloon mortgage is normally short but the payment amount is amortized over a longer term. Usually the interest rate is lower but the final balloon payment is substantial. Provide the required information below: • Home price • Down payment amount • Amortized over (term) • Balloon payment after • Interest rate 5. Should I Rent or Buy? This shows a comparison between costs of buying versus the costs of renting a property. • Rent Information • Purchase Information • Home Information • Personal Information • Sale Information 6. Which Mortgage is Better For Me? This shows a comparison between the total cost of any two or three mortgages. It is an analysis that includes the effect of a tax deduction for interest, if it’s not your case or you don’t want to show the tax deduction, choose an income tax rate of zero. Provide the following information: • Loan Details – Notice that you have three columns to fill up, if you just want compare two mortgage just don’t fill the last column. Fill in with information as : – Loan ID – Down Payment – Loan Term – Interest Rate – Points – Other Fees – Loan Type – Adjustable Type – Maximum initial rate adjustment – Maximum subsequent rate adjustment – Anticipated rate cap • All Loans – Fill in with: – Home price – Income tax rate – After-tax savings rate – Duration of stay in this property 7. How Much Mortgage Might I Qualify For? This should be used for estimation purposes only. Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. Fill in with the required information: • Combined gross annual income • Minimum monthly credit card payments • Car payments • Other fixed monthly debt expenses • Loan Information • Payment Information 8. Should I Consolidate my Loans? This determines the pros and cons of consolidating various loans and credit card debt. Click the “Add” button to enter up to a total of 10 different loans and credit cards. Fill in the necessary information: • Loans (remaining amount) • Credit Cards (remaining amount) • Consolidated Loan (loan type, interest rate, term, fees, points, savings rate, and tax rate)
| Routing Number | Swift Number | |
|---|---|---|
| http://www.ucbi.com | 061112843 | WFBIUS6S |
Branch Locations And Opening Hours
http://www.ucbi.com/Customer-Support/Get-In-Touch/Branches-and-ATMs
Website
Routing number
061112843