CashPlease FAQ

CashPlease® is a short term loan available to eligible United Bank checking account holders.  Below are common questions asked by customers.  If you need more information about CashPlease, contact United Bank customer service at 770-567-7211.
1.  Why should I get a loan through CashPlease? 
  • You’ll pay less in interest than you would pay with traditional payday loans
  • If you use the money to pay bills, you’ll avoid late fees and possible hits to your credit score
  • Can be a cost-saving alternative to using your Overdraft service to cover non-sufficient checking account items
  • Approved funds are credited to your account in 24 hours or less
  • The ease of using your trusted community bank
2. Who can get a CashPlease loan?
Access to CashPlease short-term loans is only available to eligible checking account holders at United Bank. The minimum age for loan eligibility in this program is 18.  We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.

3. How much can I borrow?
The loan amount available varies based on your individual checking account activity. However, CashPlease loan amounts will be offered in the $200 - $500 range.

4. How do I know what amount I can borrow?
After you apply for a loan and agree to the disclosures, you will be presented with a screen that displays your maximum loan amount offered. You will be prompted to request a loan amount that is less than or equal to the loan amount offered. Your requested loan amount must be at least $200.

5. Will a CashPlease loan reduce my available limit under the Bank’s discretionary Overdraft Service?
Yes. Your discretionary OD limit is based on a number of relationship factors with the Bank and will be reduced through the utilization of the CashPlease loan, thereby impacting the amount with which we pay your future non-sufficient funds items. Items paid into overdraft will be at the Bank's discretion and we reserve the right not to pay items even if items previously presented have been paid.

6. How many loans can I have at one time?
Only one outstanding loan is permitted at any time per customer.

7. How do I receive my money?
Once you are approved for a CashPlease loan, funds will be credited to your checking account in 24 hours or less.

8. How does repayment of the loan work?
The loan agreements you execute online state the due date(s) for your loan. If you choose the “Easy Pay” option, payment is automatically deducted from your account on the due date(s).

9. Once the loan is repaid, may I get another loan?
Yes, after paying off your loan you may revisit the CashPlease page to see the new loan amount for which you are eligible. We require a seven day waiting period after you pay off your loan, before applying for a new one.
10. How do I create an account?
Our online application process is easy and can be done at any time, 24 x 7. Get Started 
11. How do I update my personal account information or change my password?
Once you’ve signed in to your account, simply click “My Account” at the top right of the page to update your personal account information and/or change your password.

12. Do I need an email address for an account?
Yes, you must have an email address to create an account.

13. What if I forget my password?
Simply click “Forgot Password” on the Sign In page and enter your email address. Click “Request Password” and a new password will be emailed to you.

14. How do I view my loan history?
Once you’ve signed in to your account, simply click “My Loans” at the top right of the page to view your loan history.

15. If I do not elect auto payments, how do I make my scheduled CashPlease payments?
You may make your payment online through online or mobile banking, or you may visit a United Bank teller to make a payment in person.