Below is a list of our most frequently asked questions. If your question is not listed below, contact your local branch or send us a secure message and someone from our team will get back to you shortly.

You can order more checks for your Shore United Bank personal or business checking account through Harland Clarke’s online portal. Harland Clarke is our pre-approved, third party check provider.

If you're looking to do a wire transfer from Shore United Bank account, please call or visit your local branch for assistance.
Please visit your local branch to open an account.
For the security of our account holders and fraud prevention purposes, we do not advertise how to obtain an account number. If you need assistance, please call or visit your local branch for assistance. Because we care about the security of your account, be prepared to answer security questions prior to receiving any account information.
You will need to obtain a direct deposit form from your employer and list your Shore United Bank account details on the form. If you need your account details, please call, or visit your local branch. Because we care about the security of your account, be prepared to answer security questions prior to receiving any account information.
Please call or visit your local branch to fill out the necessary paperwork and initiate an address change on your account. If you’re currently enrolled in Online Banking, you may submit a request for an address change using this service.
Due to the time sensitive aspect of stop payments, please call 877-758-1600 or visit your local branch at your earliest convenience to place the stop payment. Customers currently enrolled in Online Banking can submit a stop payment request online.

Enroll in Online & Mobile banking

If you are looking to enroll in online banking for your personal or business Shore United Bank account, visit the personal and business enrollment links above.

Enroll in Online Banking and simply download our mobile app. Follow the instructions to enjoy access to your account, make deposits and more!
If you have a Shore United Bank account, and you are enrolled in mobile banking, you can deposit a check right from your smartphone. If you’re not already enrolled in online banking, you’ll first need to download our mobile app and select ‘Enroll Now’ to begin the enrollment process.
Mobile check deposit is one the many convenient services that Shore United Bank offers. Please visit our the Mobile Check Deposit FAQs above on this page. 
To login to your Shore United Bank online banking account, click on the LOGIN option on the top right of our web page. Enter your ‘Access ID’ and ‘Passcode’ to gain access to your account(s).
If you already have the Shore United Bank app downloaded on your phone or tablet, simply click on the app icon and enter your ‘Access ID’ and ‘Passcode’ to gain access to your account(s).
Login to your online banking and click on the eStatements tab. Follow the steps to have your future statements delivered to your online banking.

To report a lost or stolen ATM or Visa Debit Card, please call 888-758-4900 or 888-297-3416 to immediately deactivate your card. Please do not send an email to report a lost or stolen card.

Applying for a personal or business Shore United Bank credit card is simple! Below are some helpful resources about our credit card offers and links to apply online!

Obtaining a debit card for your Shore United Bank checking account is easy! Please visit your local branch to get a debit card. With instant issue, you could have your new card as quickly as today. Debit/Check cards are linked to a Shore United Bank checking account and funds are taken directly from the account when used to make purchases at a retailer.

Mobile Check Deposit uses the same secure environment as Online Banking. For additional protection, images of your checks are stored with us and not on your mobile device.

  • Personal checks
  • Business checks
  • Government issued checks
  • Cashier's checks
After you submit your deposit you will receive an email confirmation to let you know we have received your deposit. If there are any concerns with the deposit (i.e. incorrect amount, account number or check image) you will receive an email communication from the bank before the deposit is processed.
Yes there are daily transaction and amount limits per business day. Customers are notified when limits are exceeded.
The cut-off time for Mobile Check Deposits is 3:00 p.m. EST. Deposits made after 3:00 p.m. EST will typically be posted within two business days. Items deposited will not be available for viewing in Online or Mobile Banking until daily processing has been completed. Processing days are Monday- Friday, with the exception of Federal holidays.
There is no fee for using Mobile Check Deposit. We do recommend that you check with your mobile service provider for any wireless carrier fees.
If you are a current mobile banking user who previously enrolled using an Activation Code but do not refresh your application you may receive an “Invalid Credentials” error message. If this occurs you will need to close your mobile banking application from running in the background and then re-open the application. In addition you may need to clear your device browser’s cache in order to receive the update. If you are not familiar on how to refresh your application or clear your device browser cache you can contact your wireless service provider for instructions specific to your device.
If you are an iPhone user, you may need to modify your camera settings to allow the bank to access your camera. Go to settings/general and select camera to allow the bank access to your camera for the mobile check deposit service.

We welcome a conversation with you about the rates for any of our loan products. Please call or visit your local branch to speak to a member of our team today.

Mortgage Loan Products

Consumer Loan Products

There are several options for establishing or removing an automatic loan payment. Please call 877-758-1600 and ask to speak to our Loan Operations department. A team member will be glad to discuss the various options with you.
We offer several different mortgage financing options. Explore our mortgage loans page to learn more. Contact your local branch to start the process of purchasing your home through Shore United Bank.
We have compiled a list of all the documents necessary for you to apply for a mortgage loan through Shore United Bank.

The annual percentage rate (APR) is a rate that is commonly used to compare loan products from different lenders. Federal regulations require mortgage companies to disclose the APR when they advertise a loan rate.

The APR is designed to measure the “true cost of a loan,” and to prevent lenders from advertising a low rate and hiding fees and other charges. Use the APR as a way to compare loans, but do not rely on it. A borrower should always ask for a good faith estimate of your loan costs and payments from each lender you are considering. This is the best way to compare.
A FICO score is a credit score used to determine the likelihood that a borrower will pay their bills. Developed by Fair Isaac & Company in the late 1950s, the FICO score has become almost universally accepted by lenders as a reliable means of evaluating a borrower’s credit worthiness.

A credit score condenses a borrower’s credit history into a single number, which is calculated using scoring models and mathematical tables that assign points for different pieces of information that help best predict future credit performance. Specific factors that are evaluated include:

  • Amount of time credit has been established
  • Percentage of available credit used
  • Late payment history
  • Length of time at current residence
  • Negative credit information such as bankruptcies, defaults, collections, etc.
Pre-qualifying is a preliminary assessment by a lender, usually a loan officer, to determine the dollar value of loan a borrower can be approved for. You will need to provide some basic information about your credit, debit, income and assets. If the bank can prequalify you successfully, we will provide you a pre-qualification letter, which may generally be used to indicate to a seller that the borrower is pre-qualified to purchase the house they are making an offer on. However, pre-qualification is not a commitment to lend.
PMI is Private Mortgage Insurance. It is provided by private mortgage insurance companies and helps protect lenders against the costs of foreclosure. PMI is generally required when a borrower buys a house with less than 20% down. It enables lenders to accept lower down payments than they normally would. In most cases, the lender will allow a borrower to cancel mortgage insurance when the loan is paid down to 80% of the original property value. If you are current on your loan payments, mortgage insurance will automatically terminate when the loan is first scheduled to reach 78% of the original property value, if the loan is secured by your principal residence.
Loan payments can be taken over the phone if you have a depository account with Shore United Bank. Please contact your local branch or call 877-758-1600.
Yes, you can make a one-time loan payment of up to $500.00 to any Shore United Bank loan with no additional fee. Payments made before 7:00 p.m. EST Monday-Friday will be applied the same business day.

No problem at all. You can also make a payment online up to $10,000.00 to any Shore United Bank loan with no additional fee by entering your Business or Personal Checking Information. Payments made before 7:00 p.m. Monday – Friday will be applied the same business day. Please visit HERE to begin processing your payment.
Yes, a principal only payment can be selected while proceeding through the online payment process mentioned above. Be sure to select Principal Payment when entering your Payment Type.
A lien release and paid off note will be sent to the primary borrower via postal service 7-10 days after final payment is received by Shore United Bank. This allows for final payment and all loan documentation to be processed.
If your loan is fully serviced by Shore United Bank then yes, you can make your payments at any branch location. Our branch associates will be glad to help you with this. If your loan is serviced through our partner, Dovenmuhle, commonly referred to as DMI, you will make your payments directly to them.

Instructions on how to make your payment will be provided to you at loan closing.
Your monthly mortgage payment may include items commonly referred to as PITI (principal, interest, taxes and insurance). So, each payment will include the following: a payment to the principal balance of your loan, the related interest payment and if applicable, your escrow payment, which are monthly payments collected to pay for items like your hazard insurance, mortgage insurance and property taxes.
The entire mortgage process has several parts, including getting prequalified, getting the home appraised, and getting the actual loan approved. In a normal market, this process takes about 30 days on average. During high-volume months, it can take longer—an average of 45 days.

The IRS sets annual limits on contributions each year. The contribution limit for 2023 is $6,500, or $7,500 if you’re age 50 or older. Please refer to the IRS contribution limits for more details.
It depends on the type of IRA you have, if you have a retirement plan at work or if your income exceeds certain limits. Please consult with your tax advisor for more details.
We welcome a conversation with you about the current rates for any of our CD products. Please call or visit your local branch to speak to a member of our team today.

Hours & Locations

What are the hours at Shore United Bank?

Where are Shore United Bank ATMs located?
A complete list of our ATMs can be found on our locator page. Shore United Bank is part of the Allpoint Network, which means with your Shore United Bank debit or ATM card, you have access to over 55,000 ATMs worldwide surcharge-free.

How can I find the nearest Shore United Bank branch or ATM?
Use our branch locator to enter in your current location and find the nearest Shore United Bank branch or ATM to you.