United Community Bank

For 18 years, they were great to deal with, friendly, and efficient. As they started to merge and take over other banks, the experienced management left. A new inexperienced and arrogant management came along, bringing with them a new philosophy, and everything went down the drain. I had personal accounts, business accounts, CDs, and savings—now nothing. Their bill pay was inept, constantly late, and I could never speak to anyone. I seldom needed customer service, but when I did, no one ever returned a call. Pulling it all out was tough after many years, but I am very pleased with our local First Bank branch.

I went to United Community Bank on 2001 Commercial Drive in Brunswick, GA, to withdraw money from my checking account. I did not see any checking withdrawal slips at the front, so I asked the bank teller, who ignored me. So, I asked her again. She rudely yelled at me, "I will be right with you. I'm waiting on a customer." I know she is waiting on a customer, but all I needed was to ask a simple question. I wasn't trying to cut in line, and I politely said, "Excuse me, ma'am, where are the withdrawal slips for a checking account?" The teller seemed to have a serious problem with customers who are kind. After she finished with the customer in front of me, she looked at me very coldly and asked, "May I help you?" I said to her, "All I need to know is where the withdrawal slips for checking accounts are." She rudely handed me the slip and said, "Here." I took the slip from her in an unfriendly manner because she was being unkind and disrespectful to me. I was so angry; I walked out. I said something to the teller on my way out, "I see you are being completely rude, but that's okay." I have been going to UCBI for over 15 years at this location, and I never had a problem with the bank tellers until now. They have new people working at UCBI, and the previous team, which was much friendlier and more helpful, has left, which is a shame. I also had an unpleasant experience with a UCBI customer representative in the online chat on my account. I am becoming fed up and tired of all this attitude at UCBI over the past three years. Soon I will look for another bank with kinder and better service. All I have to say to everybody is, if you don't like your jobs, quit, get out of there, and find another job.

I had a frustrating experience at Four Oaks United Community Bank when trying to get a new debit card made. Upon approaching the receptionist for assistance, she refused to help me, claiming, "she did not know me," and then simply walked off without offering any solution.

Thankfully, another receptionist eventually stepped in and resolved my issue, but the initial interaction was extremely unprofessional. To make matters worse, while I was waiting for assistance, the first receptionist proceeded to help another customer without any hesitation.

This inconsistent and dismissive behavior was disappointing, especially from a community bank that prides itself on customer service. While I'm grateful for the help I eventually received, the overall experience left much to be desired.

Worst bank ever, I have a mortgage with this horrible bank. It is almost impossible to make a payment, I have tried to set up several times to withdraw automatically the correct amount, well it never happens. They call you to tell you that your mortgage is missing, then they check and it is there but they didn't withdrew the whole amount. Several numbers to keep track of your account, nothing matches. Horrible horrible horrible experience.

The week of the hurricane,Oct 1st 2024 they charged $540.00 in overdraft fees within four days while they were not even open. When I called, they told me there was nothing they could do. Stay away from them; it's a total rip-off.

Just horrible banking overall! We have a mortgage with them, and they prefer to get their money automatically, but we don't, so I can't even check the balance. Even if I could, when we make additional payments toward the principal, we have to mail those in. So, we mail in our payments every month. They are just the worst!

Started out great, friendly, accommodating, and efficient. Then, one at a time, each employee started to leave. Then their Bill Pay started sending out checks 4-8 days after the due date, even when the payee accepts ACH payments. And they make it very difficult to get reimbursed for the "late fees" they guarantee they will pay. Now, not friendly, no one returns a call, and the attitudes are rude and disgraceful for any business. Personal, savings, business, 2 CDs, and I'm pulling it all out.

When I went through the nightmare of Suntrust's transition to Truist, it was so bad I moved to United Community Bank, where it seemed okay at first. But I'm a simple person with simple needs... until I needed help with several things they made mistakes on—then, their attitude was extremely rude. Plus, people in the bank aren't trained and do not appear to be educated in basic banking or customer service.

Most recently, this week, they "updated" their bill pay, and it is as bad as my experience with Suntrust/Truist during their huge merger. I am frightened by what United Community Bank did to my bill pay. Instead of putting the payee's name, they put the "nickname" (their designation, not mine—I call it a memo of what the bill is for). They put the nickname like "mortgage" or "credit card" or a mysterious PIN number instead of the payee's name. None of this makes sense, and I'm not sure where my payments are going. The customer service is horrible.

Back to Truist I will go. The bank that touts "personal community service" is also now not processing my automatic payments on the day they are due—there is a 3-4 day delay, which I understand is a float of interest for them while my bills are paid late. Customers, beware.

My husband and I have a JOINT account with UBC. We were charged double on a service and I called to dispute 1. Apparently we’re back in 1924 instead of 2024 with this bank because even though I am the 1 who initially OPENED the account, MY name is also ON the account, my husband has to “authorize” me to speak to them in regards to fixing a problem on the account. To get money back into our account. Not to sneak off with funds to an undisclosed location without his knowledge, but to FIX an issue.

The bank does not release customers' pension and social security deposits when received. My spouse's pension check is direct deposited on the 1st of every month. In the event of a holiday or the 1st being on a weekend, it would go in the Friday before. Today is January 1st, a holiday, and still no deposit. Will it show up on the 2nd? The bank receives millions in deposits that they're holding and earning interest on without releasing the funds to the customers.

They need to repair all the technical difficulties with the use of mobile and online banking. I called six different times today to have them unlock my account. Needless to say, I'm still working at 11:30pm to complete my day AND, I'm locked out again. This used to never happen. Another day like this and I'm leaving!!! Frustrating!!!?

I have an SBA loan to buy my business-real state. Is unsustainable. Every other month or every month they have been raising the interest rate; 0.25% this was even before the inflation issue started. Now they do it 0.5% increments is at almost at 10% please read the fine print and steer away from them. Do NOT do business with them.

When Tyler died the charged off the loan. Please remove from his report. They were very understanding. Our family still uses this bank. They were good to us when Tyler died Dec. 26 2022.

Deposits/withdrawls seem to come and go as the bank pleases, I was charged an overdraft fee a week after the fact and after the account was settled, or so I thought, and my deposits apparently hit my account 4 days before I even initiated them. Because my deposits/withdrawls aren't accurate, their customer service uses that as a means to not actually give any customer service and say, oh well. Constantly having overdraft issues because of unreliable practices like this. Never had problems like this when it was Reliant. Will be closing my account when it is FINALLY settled, and will not recommend even to my worst enemy.