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   * United Community Bank
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   * Liberty Bank
   * United Commonwealth Bank
 * 
   

 * 
 * Our Story
   * Our Story
   * UCB Corporate Timeline
   * UCB In the news
   * Our Directors
   * Safe Sound and FDIC-Insured
 * Contact Us
   * Hours & Locations
   * Contact Us
   * Customer Feedback
   * Careers
 * Our Banks
   * United Community Bank
   * Brown County State Bank
   * Marine Bank & Trust
   * Mercantile Bank
   * Farmers State Bank of Camp Point
   * Liberty Bank
   * United Commonwealth Bank
 * 

PIASA BIRD, ALTON, IL

NAPLES PIER, NAPLES, FL

UNION STATION, SPRINGFIELD, IL

HAGEL 1891, MT. STERLING, IL

CARTHAGE COLLEGE, CARTHAGE, IL

BAYVIEW BRIDGE, QUINCY, IL

BAILEY'S OPERA HOUSE, CAMP POINT, IL

PIASA BIRD, ALTON, IL

NAPLES PIER, NAPLES, FL

UNION STATION, SPRINGFIELD, IL

HAGEL 1891, MT. STERLING, IL

CARTHAGE COLLEGE, CARTHAGE, IL

BAYVIEW BRIDGE, QUINCY, IL

BAILEY'S OPERA HOUSE, CAMP POINT, IL

PIASA BIRD, ALTON, IL

NAPLES PIER, NAPLES, FL

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UNION STATION, SPRINGFIELD, IL

Union Station, established on January 2, 1898, by the Illinois Central Railroad,
is a historic train station in Springfield, Illinois situated across from
the Abraham Lincoln Presidential Library and Museum. Designed in the Romanesque
Revival style by architect Francis T. Bacon, it features decorative stone and
brickwork, a soaring clock tower, and original elements like quarter-sawn oak
paneling. Closed to the public since the departure of the last passenger train
in 1971, Union Station faced restoration in 1985, becoming a boutique shopping
mall. The clock tower, 110 feet tall, was rebuilt in 2006 by the Electric Time
Co. The clock, incorporating GPS technology, chimes every half hour. Union
Square Park, adjacent to the station, hosts free events, including performances
by Civil War re-enactment groups and various musical acts. The park, designed by
White & Borgognoni, showcases a gazebo, pergolas made from ironwood, and notable
statues, including one of Abraham Lincoln by Mark Luden.

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HAGEL 1891, MT. STERLING, IL

HAGEL 1891 IS A CASUAL RESTAURANT, FEATURING CLASSIC AMERICAN FOOD WITH A
MODERN, FLAVORFUL TWIST. THEY ALSO OFFER A WIDE SELECTION OF CALIFORNIA AND
LOCAL WINES, PREMIUM LIQUORS, AND DRAFT AND BOTTLED BEERS.

IT FEATURES A BLEND OF CASUAL AND FINE DINING OPTIONS OFFERED IN A UNIQUE,
RUSTIC SETTING. HAGEL 1891 IS LOCATED NEXT TO DOROTHY’S MARKET IN THE HISTORIC
HAGEL BUILDING.  BROTHERS JOSEPH AND WILLIAM HAGEL CONSTRUCTED THE BUILDING AS A
HARDWARE AND FURNITURE STORE IN 1891.

MANY MT. STERLING RESIDENTS MAY REMEMBER VISITING THE HARDWARE STORE AT
CHRISTMAS TO SEE THE HOLIDAY TOY TRAIN DISPLAY.  HAGEL 1891’S DÉCOR REFLECTS THE
BUILDING’S RICH HISTORY.

NOW, AS HAGEL 1891, IT IS A FULL SERVICE RESTAURANT PROUD TO BRING DOWNTOWN MT.
STERLING ONE STEP CLOSER TO BECOMING A DESTINATION FOR VISITORS THROUGHOUT THE
REGION.

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CARTHAGE COLLEGE, CARTHAGE, IL

The legend of Carthage College began in 1870. After two short stints in
Hillsboro, Ill. and Springfield, Ill. in the mid-1800s, the United Lutheran
Church of America moved its Midwestern institution to Carthage, Ill. at the
insistence of the then-burgeoning town’s residents.

“They (the Lutherans) were wanting to find one in the Midwest, and the Carthage
people promised them the ground and money towards the building,” said Kim
Nettles, president of the Kibbe Hancock Heritage Museum board. “Pretty much the
same story as today — they got financial incentive to put it here.”

In the 1800s, the Lutheran church struggled financially, and according to
Michael Lowe, a history graduate assistant at Western Illinois University, it
could not refuse Carthage’s offer.

“It was in some ways out of necessity,” Lowe said. “The money situation wasn’t
great for the Lutheran church when it decided to do this. Carthage was kind of
seen as this unique place of opportunity. The railroad was just being built
there.”

The railroad proved to be instrumental in the college’s development. Students
from Wisconsin and the Chicago area eventually took the train to get to
Carthage. This aspect, combined with Carthage’s location, made the town a
favorable option for the Lutheran church.

“The towns that are prominent today are not necessarily the towns that were
prominent then,” Nettles said. “So, this was probably more of a center of
gravity, and they (the Lutherans) were probably looking at ease of
transportation and being equidistant from other important points.”

Aside from its relation to other towns, the church also viewed Carthage as a
place that would promote the one thing the college stood for: education.

“The idea in higher education, from what I’ve read, at that time was that urban
society — it was kind of a Gilded Age idea — can distract you and rural life,
pastoral life is more conducive to independent thought, relaxation and study,
and Carthage was very much seen as a place like that,” Lowe said. “That was part
of why the trustees decided to locate the college in Carthage.”

Though the college was chartered in 1870, classes were not held on the campus
until after the Old Main was constructed in 1872. In the meantime, buzz built
around the anticipated institution.

“I’ve read a lot of newspaper accounts, and everyone reports all the positive,
brilliant happenings of the college and this rapid expansion of the college, and
as the addendum they asked for money because they didn’t have the place built
yet,” Lowe said. “It really did take two years, and Carthage citizens were
really influential in that process.”

During the two-year period, the college and Carthage hosted a cornerstone
ceremony and parade in 1871 to celebrate the future school. The parade,
reportedly attended by 5,000 people, included church officials and community
members eager to show support for the college.

“It was also the Odd Fellows and different citizen groups like that — local
people who cared and thought that the education of Christian virtue but also
education in the classical tradition would be great for the community,” Lowe
said. “It would bring people into Carthage and make it a business center,
hopefully, in addition to being a host for the college.”

Photo courtesy of carthage.edu

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BAYVIEW BRIDGE, QUINCY, IL

Opened to westbound traffic on August 22, 1987, the Quincy Bayview Bridge is a
cable-stayed bridge over the Mississippi River. It spans 4507 feet connecting
Illinois and Missouri via US-24 and is supported by 56 cables from its 182
foot tall main towers. In 2015, on its 28th Anniversary and in conjunction with
the 175th Anniversary of the City of Quincy, the Quincy Bayview Bridge was
illuminated by 86 color-changing LEDs for the first time, bringing a new element
of light and beauty to the grand structure.

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BAILEY'S OPERA HOUSE, CAMP POINT, IL

Built by Thomas Bailey, one of Camp Point's four founding fathers, Bailey's
Opera House opened on December 16, 1853. Although it is now home to a popular
local restaurant, it originally hosted a variety of notable performers both from
the area as well as many who would come in by train to share their talents.  Mr.
Bailey deeded the Opera House to the Town Trustees as well as the land for
Bailey Park.

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PIASA BIRD, ALTON, IL

The Piasa Bird once terrorized the Illini Indians near what is now Alton,
Illinois. Swooping down, it would snatch victims in its talons and carry them
back to a cliffside cave. According to one translator, its name meant, "The bird
that devours men."

The first explorers in the area were startled to see a painting of the Piasa on
a limestone bluff overlooking the Mississippi. It was had horns, red eyes, fish
scales, a long tail, and a snarling, bearded face. The painting didn't last
long, however, as the Illini would fire arrows and bullets at it whenever they
passed.

The painting was destroyed and recreated several times, most recently in 1999
where it stands 22-feet high and 48-feet long.

×


NAPLES PIER, NAPLES, FL

One of Collier County's most historic landmarks, the Naples Pier endures!  Since
its original construction in 1888 as a passenger and freight dock, it continues
to rise from the Naples Beach shore and surf again and again after repeated
hurricane batterings, most recently from Hurricane Ian in 2022.  With each
reconstruction, it debuts as a slightly more modern structure while also
retaining the history and charm that means so much to community residents and
visitors from all over the world. 


MORE SECURITY AND MORE CONVENIENCE!

YOU MAY NOW LOGIN TO YOUR ACCOUNTS USING YOUR NEW DIGITAL BANKING SERVICES! 

WITH THESE UPGRADES, WE HAVE ADDED MORE SECURITY, MORE CONVENIENCE, AND WILL
HAVE EVEN MORE GREAT SERVICES TO COME IN THE FUTURE TO IMPROVE AND ENHANCE YOUR
ONLINE & MOBILE BANKING SERVICES.

PLEASE READ BELOW TO LEARN MORE ABOUT THE NEW SECURITY UPGRADES AND FEATURES OF
YOUR NEW DIGITAL BANKING EXPERIENCE WHICH LAUNCHED ON SATURDAY, JUNE 17!

In order to bring you these new features while also making every effort to
minimize disruption to your online and mobile banking services, our team has
been working long and hard behind the scenes these past several months to create
the smoothest transition possible! 

What does this mean for you?  It means you won't see too many changes...at
first!  

There is no new app to search for, and no new account login or password to
create.  We have already prepared this part of the transition for you!  We know
changes can be frustrating, so we have made every effort to maintain the look
and functions you are used to using every day. 

However, the similarities end there as our new Digital Banking includes new and
improved security and authentication with a powerful new digital architecture
that will allow us to seamlessly bring you even more great features and tools to
help you manage your finances like a pro in the coming months!  In addition,
because both online and mobile banking will now share the same platform -
anything you can do online from your computer you will also be able to do on
your mobile device, including full access to E-Statements, tax documents and
more!

NEW DIGITAL BANKING SERVICES

Now that your new services are "live," you may login to access all of your
digital banking activities including Bill Pay & Zelle! 

See below for what to expect when you login on or after this time to access your
new UCB Banks Digital Banking! 

Mobile App Access: You will be will automatically be directed to update the UCB
Banks Mobile app.

Website/Online Access: Depending on your browser's settings, you may need to
clear your browser's history/cache to speed access the new services.

WHAT DO I NEED TO DO WHEN I FIRST LOGIN ON OR AFTER SATURDAY, JUNE 17?

Below are the steps you'll need to take on or after Saturday, June 17th to
access your new UCB Banks Digital Banking. 

Important Notes:  Although your login ID and password will not change, please be
sure to have them available the first time you login.  Depending on your browser
(Edge, Chrome, Safari, etc.), they may not autofill.  You may also need to clear
your history/cache in your browser's settings to speed access to the new
services.

 1.  Verify your identity by following the prompts to secure a one-time passcode
    (OTP) by text, phone call, or email.
 2. Authorize and enroll your computer/device.
 3. Review and accept all new terms and conditions when presented. 
 4. Set your theme.
 5. Review your accounts.
 6. Check out your new features.
     

MORE FREQUENTLY ASKED QUESTIONS

How do I login to my new services on or after Saturday, June 17?

You may login to your online banking account via our website or mobile app. 
When you first access the UCB Banks Mobile App after the upgrade, you will be
automatically directed to download the App's update.

Depending on your browser/device settings, your Login ID and password many not
autofill and any previous biometric authentication on your device(s) will need
to be reestablished for your security, so please be sure to have your current
Login ID and password available. 

If you are unsure of your login information, please use the Forgot Username
and/or Forgot Password to reset them as needed.  

What is the difference between Current Balance and Available Balance?

Your Current Balance is the actual (ledger) balance in your account as
calculated at the end of all nightly processing. It reflects all transactions
posted to your account through the previous business day.  Current Balance is
not updated throughout the day and does not reflect any holds on deposits or
authorized amounts for debit card purchases that are pending.

Your Available Balance is the amount of money in your account available for your
use. Your Available Balance is calculated by adding or subtracting transactions
from your Current Balance as they are received throughout the day. These
transactions may include direct deposits, debit card transactions,
pre-authorized transactions, ATM withdrawals, in-person deposits and
withdrawals, and more.

However, please note that your Available Balance isn't necessarily how much you
have to spend. If you have written any checks, scheduled bill pay payments, or
authorized other automatic payments, your available balance may not yet reflect
these items.

Items not reflected in your Available Balance include, but are not limited to:

 * Checks written or issued through Bill Pay that haven't been cashed by the
   Payee.
 * Pay-at-the pump transactions or restaurant tips that aren't included in the
   original authorization.
 * Authorized automatic withdrawals, such as insurance or car payments, gym
   memberships, subscriptions, etc.
 * Authorizations that no longer appear as pending due to merchant delay.
 * Funds held from deposits.

Special Note:  For internal reoccurring transfers created prior to the upgrades
on 6/17/23, these transactions will not be reflected in your available balance,
but will still process as scheduled.  If you would like these account-to-account
scheduled transfers to display in your pending transactions list on the day of
the transfer going forward, simply delete and recreate the transfer(s). This
will only work for internal, reoccurring transfers. It will not work to change
how any pre-authorized external transfers to or from other banks are viewed or
reflected in your available balance. 

Please visit with your Banker if you have any questions about your accounts,
balances, or transactions.

What new security features are included?

Some of the most important updates with your new Digital Banking include
additional security and identity verification measures. This includes
multi-factor authentication which uses a combination of your login and password,
device/computer authorization, and one-time passcodes (OTPs) to protect your
Digital Banking information and verify your identity. 

When you first login, you will be asked to verify your identity using a
registered phone number or email. You may then select to receive a
one-time-passcode (OTP) via text message, phone call, or email that you will
need to enter to proceed with your identity verification which will unlock
access to your digital profile. 

Once your identity has been verified, you will then be provided an option to
enroll (or reenroll) your mobile device to accept biometric authentication such
as Face ID or fingerprint to use these biometric login security measures. 

We encourage you NOT to enroll a non-personal, temporary or public
device/computer.  If you must login to your Digital Banking using someone else's
device, laptop, tablet, or pc, or any public computer, you will be prompted to
select a method to receive an OTP. In these situations, unless it is new,
personal, or other trusted hardware, do not choose to recognize these devices,
browsers, etc. in order to preserve the security of your login.

Will I see the same accounts I currently access in my online and mobile banking?

Yes!  For most customers, you will see the same accounts listed. It is possible
you may see additional account(s) that you are authorized to view but would
prefer not to have included in your profile.  If this happens, please contact us
to assist you in customizing your account view as needed.

What will happen to my scheduled or reoccurring transfers?

Any internal and Zelle transfers made or scheduled prior to 6:00pm CDT on
Friday, June 16 transferred as expected.  

Will my automated bills through BillPay transfer to the new system?

Yes!  All of your BillPay payees, eBills, scheduled bill payments, and bill
payment history have transferred to the new system.  In addition, all scheduled
or future-dated bill payment scheduled prior to Thursday, June 15th at 2:00pm
processed as planned. 

Will Zelle transactions be affected?

New Zelle transfers or payments were not available during the upgrade process,
but all transfers scheduled or sent prior to the upgrades processed as
expected.  Now that all upgrades are completed, access to send, receive, and
split payments, your contacts, and your Zelle activity is all available.

Will my Beacon Alerts and notification preferences transfer to the new platform?

Beacon Alerts and delivery preferences you set up prior to June 16 at 6:00pm CDT
have transferred to your new UCB Banks Digital Banking profile. You may view,
modify, or add new alerts at any time, so we encourage you to review your alerts
and settings to be sure you are receiving these important notifications.

Will my debit card be affected by these upgrades?

No, your debit card(s), credit card(s), and ATM card(s) will not be affected by
this transition.  You may continue to use your card for purchases or at the ATM
as usual. (If you have an Everyday Rewards Points Debit Card, don't forget to
sign or choose "credit" when making your purchases to earn your points!)

Will I still have access to my E-Statements and transaction history on the new
digital banking platform?

Yes!  Your current transaction history and E-Statement preferences will remain
in place and be available from your digital banking profile. Your new digital
banking services even include access to more electronic documents, including tax
documents, going forward!

Will my Face ID or fingerprint authentication work after the transition?

No. You will need to reactivate and reauthenticate your device(s).  Some of the
most important updates with your new services include additional security and
identity verification measures.  When you first login, you will be asked to
verify your identity using a registered phone number or email. You may then
select to receive a one-time-passcode (OTP) via text message, phone call, or
email that you will need to enter to proceed with your identity verification
which will unlock access to your digital profile.  Once your identity has been
verified, you will then be prompted to reenroll your device to accept biometric
authentication (Face ID or fingerprint) in order to reestablish these login
security measures. 

Will I still have access to Quicken or other third-party financial management
services?

Connections to such third-party financial management tools as Intuit/Quicken,
Mint or Plaid, etc. will be restored as quickly as possible one the upgrades are
completed. However, if you have any issues reinstating these connections, please
contact the third-party solution provider for assistance.

How will telephone banking be affected by these upgrades?

Telephone banking was temporarily unavailable during the upgrade period from
Friday, June 16 at 6:00pm CDT until Saturday, June 17.  This service is now
available.

How do I change my bank theme?

You may choose to match both your online and mobile banking theme to your local
United Community Banks brand: United Community Bank, Mercantile Bank, Liberty
Bank, Marine Bank & Trust, Brown County State Bank, or Farmers State Bank of
Camp Point.  To select your community theme, choose Menu in the upper right-hand
corner, select Settings, Profile, Change Your Theme.  You are not required to
change or select a new theme, and should you choose to do so, you may change it
at any time.  Your default profile theme includes all of our United Community
Banks!

Who do I contact if I have questions or issues with these changes?

Our E-Services Team is available to assist you, toll-free, by calling
855-822-5880 Monday-Friday 7:00am-6:00pm CDT and Saturday 8:00am-12:00pm. They
will be glad to help answer your questions, address any issues you may have, and
assist you with new features.    

You may also contact or visit your Banker or any location for assistance during
normal business hours.  Visit our Locations page to find the location closest to
you which also includes phone numbers and hours for each of our banks. 




Online Banking Login

Forgot User ID

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To login or quickly connect with this information on your Bank's site:

UCBbank.com

BCSB.com

Marinebk.com

Mercantilebk.com

FSBCP.com

BankLiberty.com

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