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 in February, 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.

Key Dates: What to Expect and When

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.
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.
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.
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.
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.
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.
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.
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.
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.

Online and Mobile Banking: Getting Ready

Beginning Sunday, February 21 at 7:00 p.m. you will enjoy a new online and mobile banking experience where you can view and manage your bank accounts right from your desktop, tablet or smartphone.

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. It’s vital to use the most current version of your preferred browser. Please take time to update your browser now.
  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.

Frequently Asked Questions

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?

Yes.

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.

General Support and Resources

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. Additional information about United can be found at ucbi.com.

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.


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 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
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