Mastercard Benefits and Protection

Explore the insurance benefits and protections that are available to you!

Extended Warranty:

For added peace-of-mind on purchases, Extended Warranty doubles the time period of a cardholder's covered purchased original manufacturer or store warranty that do not exceed certain lengths

Satisfaction Guaranteed:

Cardholders' purchases are protected for a specified period of time from the date of purchase for a full refund should they be dissatisfied with a purchase and the store will not accept the item for return. 
My Card Benefits

ID Theft Protection:

The Mastercard ID Theft Protection program helps eliminate the worry of identity theft by monitoring and alerting you if suspicious activity is found. Best of all this service is at no additional charge and just takes a few minutes to activate!
Identity Theft Protection

Debit/ATM Card

We are affiliated with the ACCEL ATM Networks, which allow you to access your account right here at home and at thousands of locations worldwide. As a customer of UCB you are not charged for using your UCB Debit/ATM card at any of our ATMs.

The MasterCard® Debit/ATM card gives you easy access to your UCB accounts, as well as the ability to make purchases without having to write a check! You do not incur bank fees or service charges when using your card at any UCB operated ATM machine.

More ways to bank, 24/7. Make a deposit day or night.  Our ATMs accept deposits and credit to your account within one business day.

• Free with all of our checking accounts
• Use it anywhere MasterCard is accepted, worldwide
• Access cash or transfer funds at UCB ATMs
• Faster than writing checks
• Safer than carrying cash

Traveling outside the area?

If you are traveling internationally or outside your immediate area of residence and plan to use your debit card, please contact us. Call your local UCB Branch with your travel dates to avoid potential declines.

Debit Card Protections

Planning a trip or buying items over the internet? Please be sure to read the information below carefully and contact us.

Due to the rise in fraud across the country and around the world, we have taken steps to help our customers reduce their exposure and the risk of having their cards compromised. We take your account security seriously and it is one of our top concerns..

All of our cards come with advanced fraud protection that monitors all transactions. If a suspicious transaction is detected our Fraud Department may reach out to you to confirm if it was you or not. If you suspect that your card has been compromised, you can contact us 24/7 at 1-606-376-5031 to report your card.

*Please be sure to update us with your latest contact information, especially cell phone numbers, so our Fraud Team can contact you quickly in the event of a suspicious transaction.

Additionally, in response to the most recent waves of fraud we have put rules in place to block many foreign countries. If you are planning international travel, please contact us to discuss your plans to use your debit card abroad.

We will be glad to work with you to make sure your UCB debit card is available wherever you need it. Please contact us at 606-376-5031 or 423-569-6313 to discuss any questions or concerns.