Frequently Asked Questions

There is no such thing as a dumb question, but there certainly are common ones! Below are some of the inquiries we receive most often which may help you quickly resolve a question you have too. 

UCB provides you with access to numerous ATM locations in Illinois all free to use for any United Community Bank customer! To find one near you or your destination, please use our interactive Locations & Hours Finder.

Please contact our dedicated E-Services Team immediately, toll-free at 855-822-5880 Monday-Friday 7 a.m. - 6 p.m. CT and Saturday 8 a.m. - 12 p.m. CT. If it is outside these hours, please call 888-849-6046 to report your card lost and/or stolen.

Please visit the lobby of one of our banking centers. Bring your ATM or Debit Card, along with a valid photo ID to verify your identity. You will then be able to choose a new PIN that we will help you activate.

If you are trying to establish direct deposit or set-up an automatic withdrawal, along with your account number, you will also need to supply our United Community Bank Routing or ABA Number: 071108407. This nine-digit number is also located on the bottom of each of your checks. It is the first series of numbers prior to your account and check numbers.


Yes!  Your deposits are fully insured up to at least $250,000 at all of our United Community Bank branches. United Community Bank (FDIC Certificate No. 19459) also operates bank branches as Brown County State Bank, Golden State Bank, Marine Bank & Trust, Mercantile Bank, Farmers State Bank of Camp Point, Liberty Bank, and United Commonwealth Bank. Visit with our UCB Bankers for details on your covered accounts. We will help you understand and maximize your deposit insurance coverage.  For more information and resources, read the following article in our Financial Resource Library: FDIC Insurance.

The daily limit is $500 but your daily max on your debit card is $3500.

Contact us immediately during business hours and let us know that your checks are lost. Inform the bank of any checks you have written that have not yet been cashed. You may also place a stop payment on each check that is unaccounted for.

You may request a stop payment be placed on a check or automatic withdrawal over the phone; however, you will have to visit the bank within two weeks to fully execute the request. Once in place, a stop payment stays on your account for six months. There may be a fee charged for each item.

If the item in question has not cleared or been posted to your account, you may request that payment be refused. In the case of a debit card purchase that has already been authorized and/or posted, you cannot stop payment from occurring, but you can dispute the charge after the fact. Please contact us to initiate this process. To stop an automatic withdrawal, please contact us at least two business days from your expected payment withdrawal date.

If you are locked out, please call our dedicated E-Services Team, toll-free at 855-822-5880. We will ask for your Login ID as well as several other security questions to verify your identity. If you are locked out and know the correct password, we can reset it and your access will be restored.

If you have forgotten your password, first try to reset it by selecting the "Forgot Password" link on the login screen. Then enter your Login ID and click submit. You will then receive an email at your registered email address with instructions to complete the password reset process. If you do not receive the email or need additional assistance, please contact our E-services Team, toll-free at 855-822-5880 for assistance.

Please call our dedicated E-Services Team, toll-free at 855-822-5880. We will first ask you a series of questions to verify your identity. We will then be able to reset your access with a temporary PIN. 

To activate a new Debit or Credit Card come into your nearest branch or call the number on the back of your new card.

Typically the organization that is paying you will have direct deposit instructions. Ask for a direct deposit form. If your employer offers direct deposit, ask the Human Resources contact what steps are necessary. To arrange direct deposit into your UCB account, you will need our ABA Number or Routing Number: (071108407). The next number you need for your direct deposit instructions is your account number. Your account number is most likely the account number you use every day. However, you may have a different account or even multiple accounts you would like to use for direct deposit. Some companies require that you submit a voided check or other documents in order to set up direct deposit. This allows them to make sure that all information is entered correctly, and it can be a security measure. Finally, you may need an address of the receiving institution in order to set up direct deposit. This may not make sense because they're sending the money electronically but this is a typical requirement.

It is very easy to set up an automatic savings plan. If you currently have direct deposit through your employer you will find the easiest way to establish this is to have part of your paycheck directly deposited into your savings account as well. It doesn’t matter if it is $10 or $500, simply having this happen automatically will ensure money is saved every time you are paid.

If you don’t have direct deposit there is still an easy option available if you do your banking at a local branch. Typically your bank can link checking and savings accounts together and establish automated transfers between accounts at a regular interval that you select. So if you cash your paycheck every other Friday you could establish an automatic transfer of a set amount of money from checking to savings to coincide with this deposit.

United Community Bancorp consists of United Community Bank, Brown County State Bank, Marine Bank & Trust, Mercantile Bank, Farmers State Bank of Camp Point, Liberty Bank, and United Commonwealth Bank. See our Locations & Hours Finder to find the most convenient location for you.

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