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Welcome to the new ucbi.com! We're excited for you to experience everything the new website has to offer. You'll notice a simplified navigation, easy-to-access quick links to find the information you're looking for, improved financial resources and much more. For more information, visit The New Website page, peruse the site or contact us.  
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Business Credit Cards

Show them you mean business.

Whether your business is large, small or something in between, we've got the card for you. Set your organization’s spending habits up for rewarding success with the credit card that just fits. Find your perfect business credit card below. 
Visa® Business Cash Card

Flexible Cash Rewards For Your Business. 

  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services2,4
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3
Visa® Business Real Rewards Card

Rewards to use the way you want.4

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • 2,500 bonus points awarded after first purchase3
Visa® Business Rewards PLUS Card

More rewards with Business Rewards PLUS.

  • Earn 3 points monthly for every $1 you spend the most on: cellular phone service, hotel or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months3
  • No cap or limit on the total cash back you can earn, and you have five years to redeem for rewards4
Visa® Business Platinum Card

Pay down balances faster.

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Visa® Company Card

Get the card that supports your business’s spending needs.

  • Intended for established, mid-sized businesses with annual net sales between $5MM and $10MM
  • Rewards and non-rewards versions available
Visa® CommUNITY Card

Stay organized while making things financially easier.

  • Intended for non-profits and municipalities
  • Rewards and non-rewards versions available

Business Minute Lender6

Apply for a loan or line of credit7 up to $25,000. It only takes a few minutes, and you can have your funds within three days or less.

Debit Cards

United debit cards include top-tier Mastercard® features that are perfect for your everyday purchases. Learn more now about all the fantastic card benefits.

Cash Management Services

Your business is unique. Your Cash Management should be too. We specialize in providing the tools you need to efficiently manage the finances of your business and save you time and money.

Frequently Asked Questions

Who do I contact if I have questions about my business loan?

Stop by one of our locations near you to speak with a loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

I’m switching my hazard insurance to a different company. What do I do?

You need to let us know as soon as possible by fax or mail at the address below that you’ve changed insurance companies.  Please include your name, address and loan number, along with the new policy information.

Mail:
United Community Bank
ISAOA/ATIMA
P O Box 7092
Troy, MI 48007-7092 

Fax: 1-248-710-1630

You may also submit your insurance policy online at http://www.expressinsuranceinfo.com/3076927

Please ensure that the mortgagee clause on the new policy matches the name and address above. 

What number do I call if I have a question about my insurance?

Please call our Insurance Department at 1-888-801-6590 for questions about an insurance notice or if you change insurance providers.

Didn't find what you are looking for?

Click here to contact us.

Learning Center

Skimming, Phishing, Smishing, Oh my!

Learn about these common scams and how you can better protect yourself from fraud.
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Prepare your small business for big things.

There’s nothing small about starting a small business. From formulating a business plan to developing a financial path, the right planning can help you make big strides toward your goals.
Read Article

The security your money deserves with chip card technology

United Community Bank Mastercard® debit cards feature embedded chip technology; the global standard of protection against fraud and theft, so you can conduct transactions and withdraw money with greater peace of mind.
Read Article

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “CashBack” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
 
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Card Member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will learn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.