List of all fees for United Community Banks ACE Cards
| All Fees | Amount | Details |
| Get Started | ||
| Card Purchase | $5.00 | This fee is not assessed to the Card |
| Monthly Usage | ||
| Monthly Fee | $0 | There is no monthly fee while your Card is active. After 12 months with no activity, your Card will become dormant and you will be charged the Monthly Dormancy Fee. |
| Add Money | ||
| Cash Reload Fee | $1.00 | Fee of $1.00 will apply when reloading your Card. Locations may be found at ucbbanks.com/contact-us/hours-locations/ |
| Reload Fee | $1.00 | Fee of $1.00 will apply when reloading your Card. Locations may be found at ucbbanks.com/contact-us/hours-locations/ |
| Spend Money | ||
| POS/PIN Purchase Fee | $0 | There is no fee for using your Card for POS purchases. |
| POS/PIN Signature Purchase Fee | $0 | There is no fee for using your Card for POS purchases. |
| Get Cash | ||
| ATM Withdrawal (in-network) | $2.50 | We will not charge you this fee for your first 4 ATM transactions (withdrawal or balance inquiry) each month. "In-network" refers to the United Community Bank ATM Network. Locations can be found at ucbbanks.com/contact-us/hours-locations/ |
| ATM Withdrawal (out-of-network) | $2.50 | This is our fee. We will not charge you this fee for your first 4 ATM transactions (withdrawal or balance inquiry) each month. "Out-of-network" refers to all ATMs outside of the United Community Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. If this is a foreign transaction, you will also be charged a Foreign Transaction Fee. |
| Cash Advance Fee | $5.00 | This is our fee. Third party fees may apply. If this is a foreign transaction, you will also be charged a Foreign Transaction Fee. |
| Information | ||
| Customer Service (automated) | $0 | No fee for calling our automated customer service line, including for balance inquiries. |
| Customer Service (live agent) | $0 | No fee for calling our live agent customer service line, including for balance inquiries. |
| ATM Balance Inquiry (in-network) | $1.00 | We will not charge you this fee for your first 4 ATM transactions (withdrawal or balance inquiry) each month. "In-network" refers to the United Community Bank ATM Network. Locations can be found at ucbbanks.com/contact-us/hours-locations/ |
| ATM Balance Inquiry (out-of-network) | $1.00 | This is our fee. We will not charge you this fee for your first 4 ATM transactions (withdrawal or balance inquiry) each month. "Out-of-network" refers to all ATMs outside of the United Community Bank ATM Network. You may also be charged a fee by the ATM operator. |
| Using Your Card outside the U.S. | ||
| Foreign Transaction Fee | up to 1% | You will be charged up to 1% of the U.S. dollar amount of each transaction. If there is no currency conversion, a .8% fee will be charged. If there is a currency conversion, a 1% fee will be charged. Transactions in U.S. territories may be considered Foreign Transactions. |
| Other | ||
| Monthly Dormancy Fee | $10.00 | You will be charged $10.00 each month after you have not completed a transaction using your card for 12 months. |
| Replacement Card Fee | $5.00 | This fee is for the replacement of a lost, stolen, damaged, or terminated Card. There is no additional cost to obtain a replacement card at expiration. |
Your funds are not FDIC insured. Your funds will be held at or transferred to United Community Bank. If United Community Bank fails, you are not protected by FDIC deposit insurance and could lose some or all of your money.
No overdraft/credit feature.
Contact United Community Bank by calling 1-855-822-5880, by mail at UCB ACE Card Services, 200 North Fifth, P.O. Box 80, Auburn, IL 62615, or visit ucbbanks.com/acecard.
For United Community Bank ACE CardSM Terms & Conditions, click here.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.