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Welcome to the new seasidebank.com! Click here to learn more about the site. For important information regarding updates to your accounts, click here.

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Together for Good. 

Welcome to an enhanced banking experience.

Thank you for choosing to bank with Seaside Bank and Trust. We are honored to have served clients with a fundamentally different approach to banking for the past 15 years, and we are excited to continue our relationship into the future.

Last year we strengthened our business by joining the United Community Bank family. While our commitment to you and your financial needs remains the same, our relationship with United brings expanded capabilities. We look forward to exploring these services with you and discovering new ways to help you reach your financial goals.

As we take this exciting step forward, there are a few items that require your attention. Below you will find detailed instructions for each, along with other related information and resources.

Our goal is to make this transition as seamless as possible for you. If you have questions, please contact your Client Advisor, Financial Concierge, or call our main office at 407-567-2222.

Download the New App Now!

What can be easier than having 24/7 access to your accounts and advisors directly from your mobile device?

  • Bank anywhere, 24/7 with our mobile banking app
  • Make a mobile check deposit directly from your phone1
  • Receive alerts and notifications on the go by email or text1
Download on the App Store

Online Banking

Explore the world of convenient banking, directly from any of your digital devices.

  • Benefit from added fraud prevention and security features
  • Get Personal Financial Management (PFM) in a single login
  • Pay bills and view your payment histories
  • View and print your eStatements

Online and Mobile Banking

How to Log In the First Time

We’re excited to bring you a new online and mobile banking experience where you can view and manage your bank accounts right from your desktop, tablet or smartphone. Below are the series of steps you will take to log in the first time.

Step 1

Getting Ready
To ensure the transition to the new Online and Mobile Banking system is as smooth as possible, please take a few moments to read the following tips to get ready:

  1. Update your Internet browser. An updated browser is the gateway to a better and more secure online financial experience. That’s because the browser—the software application that lets you surf the Web—also plays a huge role in protecting you and the data you choose to share when you’re online, this includes the financial information you view and exchange while using Online Banking.

    There are many versions in use today that provide adequate protection. If you’re using any of these you’re in great shape:
    Please note: Microsoft Internet Explorer® is no longer supported as of July 7, 2020. For a more secure experience, we recommend using a different browser from the list above.

    Knowing you’re using the most current version is one of the best ways to give yourself peace of mind. Please take time to update your browser now. If you need assistance, please contact your Client Advisor, Financial Concierge or our main office at 407.567.2222

  2. Update your email address, telephone number and mobile number within the current Seaside Private Internet Banking and/or Seaside Commercial Internet Banking system. It’s important we have this information so we can communicate with you about the planned upgrade, including sending your new Secure Access Code so you can sign into the new Online Banking system. Note: Secure Access Codes will be distributed by United Community Bank.

  3. Update financial software. If you utilize financial software such as Quicken® or QuickBooks, there will be some additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system. Learn more here.

  4. For Mobile Banking Users: Delete your Seaside Private Banking and/or Seaside Commercial Banking mobile app from all devices.
Step 2
Go to seasidebank.com
Note: Seaside Private Internet Banking and Seaside Commercial Internet Banking systems have been consolidated into a single system called Seaside Online and Mobile Banking.
  • Online banking loginPrivate Banking Clients
    Enter your Login ID, which will be the same Seaside Bank and Trust User ID you currently use. Next, click on the “Log in” button.
  • Commercial Banking Clients
    Enter your Login ID, which will be a combination of your current Seaside Bank and Trust Company ID and User ID. For example, if your Company ID is ‘54321’ and your User ID is ‘Admin’ then your new Login ID will be ‘54321Admin.’ Next, click on the “Log In” button.
Step 3
Enter your password
Enter your Seaside Bank and Trust Internet Banking password when prompted, which will be the same password you currently use. Next, click “Log In.”
 
Step 4
Select your Secure Access Code delivery methodSAC-notification.png
Choose where you would like us to deliver your Secure Access Code (SAC). A SAC is a temporary, one-time code used as a security method to prevent someone other than you from gaining access to your account.
 
When logging in to Online Banking or the Mobile Banking app for the first time from any unrecognized computer or mobile device, you will be asked to select a “target” (text message or call depending on what contact information we have on file for you) to receive your SAC. It will allow you to log in and register your computer or mobile device. The SAC is only valid for a limited period of time.

Note: Treasury Management clients that initiate wire transfers through Online Banking will be issued a Token Code in lieu of a Secure Access Code.

Note: Secure Access Code notifications will be distributed by United Community Bank.
Step 5SAC code
Enter your Secure Access Code
Once you receive your Secure Access Code, enter it below. Secure Access Codes are only valid for a limited time and cannot be reused.
You will be asked if you would like to register the computer/device you are using. Once you have registered your device, you will not be prompted for a SAC with future logins. However, if the computer you use is public or one which you do not regularly use, we recommend for your security that you “do not register” the device.

SAC codeNote: If your computer is set to automatically delete browser history, even if you have already registered your device, you will need to add seasidebank.com as a trusted site in your internet settings to avoid obtaining a SAC at each login. If you need additional support, please contact us.
 
Step 6

Set your new password

Change your password in the fields provided. Your new password must be at least eight characters long, but no more than 20 characters long. It must also contain a minimum of one lower case letter and one number.

Step 7
Accept the Online Banking and Mobile Banking Terms and Conditions
Review and agree to the Online Banking and Mobile Banking Terms and Conditions associated with these services.

Download the new Seaside Mobile Banking app!
The new Seaside Mobile Banking app will need to be downloaded from the Apple or Google Play store to continue accessing Mobile Banking. With the new Seaside Mobile Banking app, you can bank from your iOS® or Android™ device. 

Alerts:
If you use Online Banking Alerts, you will need to recreate them once you’ve signed in to Online and Mobile Banking.

Key Dates

What to expect and when

We're committed to keeping you informed throughout the whole transition process. Continue reading for key transition dates, what to expect, and how you can be prepared at every step. 
Thursday, February 18

The Bill Pay service will be temporarily inaccessible from 5:00 p.m. on Thursday, February 18 until Sunday, February 21 at 7:00 p.m. Your Bill Pay payees and scheduled payments will be automatically transferred and processed, so there is no need for you to re-enter the information.

External transfers will not be processed after Thursday, February 18. External accounts will need to be reestablished in the new Seaside Online and Mobile Banking system before any external transfers can be processed.

Friday, February 19

Private Internet Banking, Commercial Internet Banking and mobile banking apps will be temporarily turned off at 4:00 p.m. on Friday, February 19 and will remain unavailable until Sunday, February 21 at 7:00 p.m. while we transition to a new and improved system.

The Seaside Private Banking and/or Seaside Commercial Banking mobile app(s) should be deleted from all tablets and mobile devices after Friday, February 19.

Zelle® will no longer be available after 4:00 p.m. on Friday, February 19. Zelle® will be replaced with Pay Friends, a quick, easy and secure way to send money to anyone with a mobile number or email. This free service will be available to all clients enrolled in the new Seaside Online and Mobile Banking system with a registered Seaside debit card. You may register for Pay Friends within Online Banking or the new Mobile Banking app beginning Sunday, February 21 at 7:00 p.m.

Internal transfers in Commercial Internet Banking will not be processed after Friday, February 19 at 4:00 p.m. Future-dated and recurring transfers in Commercial Internet Banking will not convert to the new Seaside Online and Mobile Banking system. Internal transfers will need to be reestablished in the new Seaside Online and Mobile Banking system. Any future-dated and recurring internal transfers in Private Internet Banking will convert to the new Seaside Online and Mobile Banking system.

Sunday, February 21

Beginning Sunday, February 21 at 7:00 p.m., return to seasidebank.com to access the new Seaside Online and Mobile Banking System.

Download the new Seaside Mobile Banking App from the Apple or Google Play store to continue accessing Mobile Banking. If you use Online Banking Alerts, you will need to recreate them once you’ve signed into the new Online Banking system. Note: There will no longer be separate online banking systems or mobile banking apps for Private Banking and Commercial Banking. All clients will access the same new online banking system and new Seaside Mobile Banking app. Additional details on these services will be sent to you in the coming weeks.

Friday, January 29

If you currently have a Seaside Bank and Trust debit card(s), you will be mailed a new Seaside Bank and Trust debit card(s). Please keep the card(s), but don’t use it until after Friday, February 19 at 6:00 p.m. Continue using your current Seaside Bank and Trust debit card(s) until then.

Friday, February 19

Begin using your new Seaside Bank and Trust debit card beginning at 6:00 p.m. on Friday, February 19. You will need to activate your new debit card and select a PIN prior to using it. Debit cards may be activated at your convenience prior to or after February 19 at 6:00 p.m. by calling 1-800-992-3808.

Debit cards issued by Seaside National Bank & Trust may not be used after February 19 and should be safely discarded.

Monday, February 22

Provide your new debit card number to any merchants currently using your card as a payment method for recurring bills to begin using on Monday, February 22.

Friday, January 29

You will be mailed an interim bank statement from Seaside Bank and Trust with balance and transaction information through February 19, 2021. After that date, we will resume regular statement cycle dates.

Up to 24 months of eStatements and transaction history will be available within the new Seaside Online and Mobile Banking system. However, there may be a temporary delay accessing eStatements following the transition to the new system on Sunday, February 21. Prior to Friday, February 19, you may find it beneficial to print or save existing documents that you may need to access at a later time.

Friday, February 19

24-Hour Telephone Banking will be temporarily unavailable beginning Friday, February 19 at 4:00 p.m. and will remain unavailable Saturday and Sunday, February 20 – 21. 

Friday, February 22

24-Hour Telephone Banking will be available as of 8:00 a.m. on Monday, February 22 by dialing 888.881.7628. The last four digits of your tax identification number will serve as your temporary PIN until you designate the PIN of your choice. You will be able to check your account balance, review your transactions, transfer funds, make a payment, report lost or stolen cards and more.

Monday, February 22

As a result of the system integration, loan account numbers are being updated to ensure they remain compatible with the bank’s new operating system. Those impacted will receive details about the loan account number change by mail.

Loan payments automatically drafted from an account at Seaside Bank and Trust will be automatically updated and no action is required. Beginning Monday, February 22, loan payments may be made at any Seaside Bank and Trust office, United Community Bank location, or mailed to: Seaside Bank and Trust, C/O United Community Bank, P.O. Box 249, Blairsville, GA 30514.

Your attention is required if your loan payment is being automatically drafted or issued from a different financial institution or Bill Pay Service. Please contact your financial institution or Bill Pay Service provider and provide your new loan account number(s) along with the following information to begin using on Monday, February 22: Seaside Bank and Trust, C/O United Community Bank, P.O. Box 249, Blairsville, GA 30514. Seaside’s ABA # remains 063116083.

If you have any questions, please contact your Client Advisor, Financial Concierge or call our main office at 407-567-2222.
 

About United

United Community Banks, Inc. is a $17 billion bank holding company that operates over 140 banking offices located throughout north Georgia, metro Atlanta, coastal Georgia, South Carolina, North Carolina, and east Tennessee branded as United Community Bank.

Formed in 1950 as Union County Bank, United operates on the philosophy of providing exceptional banking service, while caring deeply for the communities we serve. Services include a full range of consumer and commercial banking products, including mortgage, advisory, treasury management, and wealth management. Respected national research firms consistently recognize United for outstanding customer service. In 2020, J.D. Power ranked United highest in customer satisfaction with retail banking in the Southeast, marking six out of the last seven years United earned the coveted award. Forbes included United in its inaugural list of the World’s Best Banks in 2019 and again in 2020. Forbes also recognized United on its 2020 list of the 100 Best Banks in America for the seventh consecutive year. United also received five Greenwich Excellence Awards in 2019 for excellence in Small Business Banking and Middle Market Banking, including a national award for Overall Satisfaction in Small Business Banking. 


We are proud of this success, but even more proud of the tradition upon which our company was built - treating clients the way we want to be treated. We are committed to helping individuals, families, schools, businesses and communities grow strong and prosperous.

General Support and Resources

Financial Software Instructions: Mint, QuickBooks and Quicken® Users

If you are a user of Mint, QuickBooks™ or Quicken® software, there are a few steps you’ll need to take to ensure a smooth transition to our new online and mobile banking system on February 21. Below are transition instructions detailing the steps for impacted software programs.
 

Within each instructional guide, you’ll see a reference to two "Action Dates." Please use the following:
 

  • 1st Action Date: February 19, 2021
  • 2nd Action Date: February 22, 2021

Please carefully review your downloaded transactions after completing the transition instructions to ensure no transactions were duplicated or missed on the register during the transition process.
 

If you have any questions, please contact your Client Advisor, Financial Concierge or call our main office at 407.567.2222.


Help

Our goal is to make this transition as seamless as possible for you. While we’ve compiled these resources for your reference, our team will continue to be your dedicated resource. We invite you to contact your Client Advisor, Financial Concierge or call our main office at 407.567.2222 with any questions along the way.

Resources

January 25: Debit Card Notification
January 11: Treasury Management Services Transition Guide
January 6: Product and Services Transition Guide
January 6: Product and Services Transition Introduction Letter
January 6: Privacy Policy
January 6: Terms & Conditions
Mint Transition Instructions
QuickBooks Desktop Transition Instructions
QuickBooks Online Transition Instructions
Quicken Transition Instructions
July 1, 2020: Welcome to the United Family Introduction Letter
July 1, 2020: United Community Banks, Inc. Completes Acquisition of Three Shores Bancorporation, Inc. and its Wholly Owned Bank Subsidiary, Seaside National Bank & Trust
March 9, 2020: United Community Banks, Inc. and Three Shores Bancorporation, Inc., the Parent of Seaside National Bank & Trust, Announce Merger Agreement

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

How do I apply for a loan?

This loan will be packaged as an SBA 7(a) loan, and businesses can apply through qualified lenders including United Community Bank, a preferred lender for the SBA. SBA application fees will be waived. Due to the minimal program requirements, the approval and funding process will be streamlined, resulting in getting capital in the hands of businesses who need it most. If you are a current United Community Bank customer, please reach out to your banker. If you are not a United Community Bank customer, we encourage you to contact us to discuss options for your business.

How long will it take to get my loan proceeds?

Once the SBA releases further details and guidance on the Paycheck Protection Program, United Community Bank can approve your loan and disburse funds as fast as possible, sometimes in less than 48 hours, by ACH payment.

Am I eligible for a loan?

Small businesses that were in operation prior to Feb 15, 2020, with 500 or less contract or salaried employees, are eligible to apply for this loan. Businesses must have paid salaries and payroll taxes and/or independent contractors as reported on Form 1099-MISC.

How is the loan amount determined?

Loan amounts are calculated by taking your business’s average monthly payroll and multiplying it by 2 ½ . Your monthly payroll includes wages, tips, group health, retirement benefits and taxes but excludes the amount of compensation to individuals in excess of $100,000. The maximum loan amount is $10 million. There are other important details in calculating the average monthly payroll.

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