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Card Services

Save time and money through our various card programs. Whether you prefer to use a credit card or a debit card, we have a card to fit your unique needs. If you are interested in any of the below listed cards, please see a customer service specialist for an application.

Debit MasterCard

You can make purchases and withdraw funds directly from your checking account anywhere Mastercard is accepted. Your Debit MasterCard is FREE with your United Community Bank checking account. It’s easier and more convenient to use than writing a check. Plus, with access to all MoneyPass ATMs, you can now access your money for FREE from more surcharge free ATMs. Visit to find an ATM near you!

UCB Debit Card Features:

  • Apple Pay –  Apple Pay is easy and works with the Apple devices you use every day. You can make secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is even simpler than using your physical card, and safer too.
  • Card Valet – Card Valet allows the convenience of your debit card while assisting to manage the risk.  It offers fraud protection, the ability to control spending and the opportunity to review balances and transactions in real time. Download the CardValet app to get started.
  • Text Fraud Alerts –  Text Fraud Alerts provide an alert when suspicious activity occurs on your card. As a card holder you have the opportunity through the message to confirm the purchase or indicate the transaction is fraud.  To enroll contact customer service at your area location.

VISA Credit Cards

United Community Bank offers a VISA Platinum Card that is accepted at millions of locations around the globe while being maintained by people you know and trust. Enjoy a low fixed rate, local payment options and no annual fee.

Contactless Payments are available anywhere you see the Contactless Symbol at the store’s checkout terminal. To request your UCB VISA Contactless Card call 701-839-3500. For more info visit

Report a Lost/Stolen VISA Credit Card by calling 1-800-325-3678.

To review your VISA Credit Card statement visit

REWARDS: For every qualifying purchase made using your Business VISA Platinum Card, you can earn valuable Bonus Points that may be redeemed for merchandise, gift cards or travel.  Visit for more information.

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