Below are some of the most frequently asked questions concerning the transition of your accounts. You will also receive a series of notices from us that provide more detailed information on upcoming changes. See the Product and Services Transition Guide
for additional FAQs.
Why is Seaside Bank and Trust making changes to my accounts, debit card and online banking system?
On July 1, 2020, Seaside Bank and Trust and United Community Bank joined forces. Together, we are committed to delivering the same personalized care you enjoy today, but with the added benefit of expanded services to meet your needs, goals and aspirations. You will continue to enjoy the same convenience and service from the team of Seaside Bank and Trust professionals you know and trust, at the same locations.
Seaside Bank and Trust’s operating system will be fully integrated into the United operating system the weekend of February 19. As a result, the accounts and services you have with Seaside Bank and Trust will undergo some changes. Effective February 20, all of your accounts and services will be subject to the Terms and Conditions enclosed within the Product and Services Transition Guide
More than anything, we are working to ensure these changes are as seamless as possible.
Will the name remain Seaside Bank and Trust?
Will I continue to work with my dedicated Seaside Client Advisor and Financial Concierge?
Yes, the Seaside Client Advisor and Financial Concierge you know and trust is committed to assisting you through this system integration. Your Client Advisor and Financial Concierge is backed by a team of professionals that also have a high commitment to client service and local relationships. You should continue to conduct your banking as you always have and you will continue to experience the same great service from the team of bankers you have come to know and trust.
Why is my bank joining with United Community Bank?
Like Seaside, United Community Bank has always placed a tremendous focus on people, both employees and clients. United abides by the same philosophy upon which the bank was founded in 1950, which is simply to “treat clients and colleagues the way we want to be treated.”
Seaside lives by these same principles, and it is exciting to join our two excellent, relationship-centered teams together, bringing access to new services such as: mortgage and specialized business lending expertise including renewable energy financing, asset-based lending, new market tax credits and expanded SBA lending. Whether assisting you with your current services or discussing new ones, we are committed to continuing as the banking partner you have come to know and trust.
When will the integration be complete?
We anticipate the full system integration to take place by February 2021. Our teams are working closely together to ensure a seamless transition for our clients. Should anything change with your account(s) or products you have at Seaside, we will notify you well in advance.
Will my local banking office remain open?
Yes. You will continue to enjoy the same convenience and service from the team of professionals you know and trust, at the same locations. Seaside’s office hours are from 9:00 a.m. to 5:00 p.m., Monday – Friday.
Will I have access to United Community Bank branches and ATMs?
Yes. Beginning Monday, February 22 you may conduct transactions at all of United’s branch and ATM locations throughout north Georgia, metro Atlanta, coastal Georgia, South Carolina, North Carolina, and east Tennessee. Visit ucbi.com/locations
for a complete list of United’s locations.
Will there be any changes to my Certificate of Deposit (CD) or Individual Retirement Account (IRA)?
If you have a CD or IRA, the interest rate will not change until it matures. Please refer to the Terms and Conditions
for additional information regarding these accounts.
Will I need new checks or deposit slips for my deposit accounts?
Please continue using your current checks or deposit slips. Both your account number and the Seaside Bank and Trust routing number will remain the same.
Will direct deposits and automatic payments continue to process as normal?
Yes. Your direct deposits and automatic payments will continue to be processed in the same manner as they are now. There is no action you need to take.
If any merchants are currently using your Seaside Bank and Trust debit card as a payment method for recurring bills, please provide your new Seaside Bank and Trust debit card number beginning Monday, February 22.
Will my loan account number change?
Yes, your current Seaside Bank and Trust loan account number will be changing in order to be compatible with the bank’s new operating system. Additional information about your new loan account number will be provided via mail.
Are my accounts still FDIC Insured?
Under FDIC rules, for at least six months after the July 1, 2020 merger with United Community Bank, your Seaside Bank and Trust accounts were separately insured from any accounts you may already have at United Community Bank. This grace period provided the opportunity to restructure accounts, if necessary.
Effective January 1, 2021, the grace period ended and Seaside Bank and Trust checking and savings accounts will be insured as United Community Bank.
Certificates of Deposit (CDs) opened prior to the merger are separately insured. See the Product and Services Transition Guide
for full details.
My business has Treasury Management Services. How will these transition?
Seaside Bank and Trust will continue to offer comprehensive and cost-effective solutions to help you manage cash flow and streamline business processes, including Online and Mobile Banking, ACH Origination, Wire Transfers and Remote Deposit Capture. Additional information about the Treasury Management services transition can be found in the Treasury Management Services Transition Guide
. A copy of this Guide will be mailed in January 2021. A digital copy can be found in the resources section of this page
. We will work directly with you to ensure a smooth transition.
Will there be any changes to my services provided by Seaside Wealth Management?
Services provided by Seaside Wealth Management are in no way impacted by the integration of Seaside Bank and Trust’s operating system into United’s. You will continue to access your account information online using the Trust and Investment Management portal.
Retirement, Brokerage: Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC. Kestra Investment Services, LLC is not affiliated with Seaside Bank and Trust and are NOT a deposit or other obligation of, or guaranteed by, Seaside Bank and Trust or any affiliate of Seaside Bank and Trust, NOT FDIC insured, and subject to risk and may lose value.
Fiduciary Service, Investment Management, Financial Planning, Brokerage, Insurance, and Investment products are: NOT insured by the FDIC or any other agency of the United States or by Seaside Bank and Trust (“the Bank”) or any of its affiliates. NOT deposits or obligations of the Bank, or guaranteed by the Bank or any of its affiliates. Subject to investment risk and may lose value.
What should I do if I have additional questions?
You are always welcome to call your Client Advisor, Financial Concierge or our main office at 407.567.2222
if you have any questions or concerns.