CBTC Merger

Welcome to Shore United Bank!  We look forward to serving you on September 11th.

Sunset behind two bridges over water

This welcome page will help you navigate through the transition from Community Bank of the Chesapeake to Shore United Bank. 

As new communications become available, they will be updated on this page. 

  • First-time Login Instructions for Online & Mobile Banking
  • Important Dates & Times
  • Debit & ATM Cards
  • General Questions & Answers
  • Welcome Guides
  • Customer Communications
  • Quicken/Quickbooks Conversion
  • Press Releases








Pursuant to the merger agreement between the banks, on July 1, 2023, Community Bank of the Chesapeake merged with and became part of Shore United Bank.  While all Community Bank of the Chesapeake accounts were assumed by Shore United Bank effective with the merger, there is a period of transition between the merger and the conversion of the bank systems.

As we approach the systems conversion, we want to provide you with important information about your account(s) and what you can expect during the coming weeks. 

At this time, there is nothing you need to do.  In the coming weeks, you will receive further information from us, including a comprehensive conversion guide that will provide you with information about how this merger affects you and your accounts and steps you may need to take to help ensure a smooth transition. Please watch for these important communications and give them the necessary attention.

As new communications become available, we will post them to our website.  If you have any questions, please visit your local branch or call us at 877-758-1600, weekdays from 8:00 a.m. to 4:30 p.m.


When can I log in to Shore United Bank Online and Mobile Banking to access my accounts?

  • Beginning at 8:00 a.m., Monday, September 11, 2023, former Community Bank of the Chesapeake customers can begin to access their accounts at shoreunitedbank.com.
  • Before you can begin to use our Mobile Banking App you will first need to log in to online banking through a browser. After the initial log in, you can then access your accounts using our Mobile Banking App.
  • You will need the following information to get logged in the first time:
  • Your Community Bank of the Chesapeake Login ID
  • Social security number or tax ID #
  • Account number
  • Date of birth (personal) or 5-digit zip code of the business address (business)

 

Now let’s get logged in!

  1. First click on the Login located on the top right corner of our home page.
  2. Then select the Community Bank First-time Login Link.
  3. Next, select personal or business and follow the instructions on the login page.
  4. Complete the required information (change your passcode, enter email, add security Q&As).
  5. Carefully read and accept the electronic disclosure agreement.
View our instructional video



If you trouble logging in, call us at 1-888-820-6840 weekdays from 8:00 a.m. to 11:00 p.m. or send us a secure message using our Contact Us form. 







Week of August 21
  • New Shore United Bank debit and ATM cards will be mailed to Community Bank of the Chesapeake customers. PIN mailer will follow in separate mailing.
  • Community Bank of the Chesapeake ATMs will begin to transition and may be intermittently unavailable.

 

Friday, September 8

  • 2:00 p.m. Access to Community Bank of the Chesapeake Mobile Check Deposit will no longer be available.
  • 3:00 p.m. Community Bank of the Chesapeake branches will close. These branches will reopen as Shore United Bank on Monday, September 11.
  • 4:00 p.m. Access to Community Bank of the Chesapeake Online, Mobile, and Automated Telephone Banking will no longer be available.

Saturday, September 9

  • Community Bank of the Chesapeake branches will be closed as we transition our systems to Shore United Bank.

 

Monday, September 11

  • 4:00 a.m. Community Bank of the Chesapeake debit and ATM cards will automatically deactivate.
  • 8:00 a.m. Shore United Bank Online and Mobile Banking available to former Community Bank of the Chesapeake customers –visit shoreunitedbank.com- for first time log in information.
  • 9:00 a.m. Community Bank of the Chesapeake branches reopen as Shore United Bank.

 

Limited Access Conversion Weekend  |Friday, September 8, 2023, after 3:00 p.m. –   Monday, September 11, 2023, at 9:00 a.m.

Although other Shore United Bank branches will be open over the weekend, in-branch banking will not be available for the former Community Bank of the Chesapeake customers until Monday, September 11, 2023.  To access your accounts during this time, you may continue to use your current Community Bank of the Chesapeake debit card to make purchases and withdraw cash at ATMs or by writing checks.  After 4:00 a.m. Monday, September 11, 2023, you will need to activate your new Shore United Bank contactless debit or ATM card by following the instructions in the mailer.

 1Please note that the conversion dates and time referenced herein are expected as of the date of this guide and are subject to change due to intervening circumstances.

Will I need a new debit or ATM card?

Yes. While this may be a short-term inconvenience, we do need to reissue cards.
 
Your new Shore United Bank card will be mailed to you in a plain white envelope with a separate PIN mailer to follow in a perforated white envelope beginning the week of August 21, 2023.

If you don’t receive your new Shore United Bank card in the mail, you can visit any one of our branches on or after September 11, 2023, to get a new card issued to you, on the spot.

Will my personal identification number (PIN) change?

Yes. You will receive your new PIN by mail in a perforated white envelope separate from your card. The automated PIN self-service number will no longer be available, please use the PIN in the mailer.

Beginning September 11, 2023, you can change your PIN by visiting a Shore United Bank branch or ATM.

When should I begin to use my new card?

You can activate your new Shore United Bank card any time after 4:00 a.m. on Monday, September 11, 2023, by following the instructions in the mailer.

Will I have access to my account using my new Shore United Bank card during the weekend of September 8, 2023, through September 11, 2023?

You may use your Community Bank of the Chesapeake debit card to make purchases and withdraw cash at ATMs during the weekend of September 8, 2023, through 4:00 a.m. Monday, September 11, 2023. You will have access to your accounts using your new Shore United Bank card to make purchases and withdraw funds at ATMs after 4:00 a.m., Monday, September 11, 2023.

Who do I call if my Shore United Bank card is lost or stolen?
Beginning 4:00 a.m. Monday, September 11, 2023, call 1-888-820-6840 and leave a message for a bank representative to contact you. After 8:00 a.m. on Monday, September 11, 2023, please call 1-888-758-4900.

Will my ATM and debit card limits change?

The limits to point of sale transactions will change.

  • ATM CARD: You may continue to withdraw up to $500.00 through use of ATMs in any one day.
  • VISA DEBIT CARD: You may continue to withdraw up to $500.00 through use of ATMs in any one day.
  • POINT OF SALE LIMITATIONS: You may purchase up to $5,000.00 worth of goods or services in any one day.
  • DAILY TRANSACTION LIMITS: There are no daily transaction limits.

What will happen to my recurring payments currently in place with my Community Bank of the Chesapeake debit card?

Beginning Monday, September 11, 2023, we ask that you notify any merchants who are automatically debiting your account using your Community Bank of the Chesapeake debit card with your new Shore United Bank debit card number, expiration date and CVV code. To ensure these transactions continue to be posted you should make the changes before the next scheduled transaction. Debit transactions authorized using your Community Bank of the Chesapeake debit card will not be posted after September 11, 2023.

Can my Shore United Bank debit card be enabled for Apple Pay, Android Pay and Samsung Pay?

Yes. Beginning September 11, 2023, you will need to re-enroll your debit card to continue using your digital wallet. Visit shoreunitedbank.com for more information about Digital Wallets.

What if I have not received my new Shore United Bank card by September 11, 2023?

If you have not received your new Shore United Bank debit/ATM card or PIN mailer, please visit one of our locations on or after September 11, 2023. With our convenient Instant Issue Debit Cards, you will not have to wait to receive your card in the mail, you can leave any of our bank branches with your new debit or ATM card in hand.

Will my debit card rewards continue to be offered?

Yes. Existing reward points will be transferred to your new Shore United Bank debit card.

Will I continue to have access to card controls?

Yes. However, you will no longer have access to the “Cards - My Cards” option within online banking. This service will be replaced with MyCardRules. MyCardRules gives you control on how, when and where your Shore United Bank debit card is used, through a mobile app.

Similar to the Community Bank My Cards system, MyCardRules cardholders can:

  • Turn your card on and off
  • Be notified whenever your card is used to make a purchase
  • Set card limits

To get started you will need to visit the Apple App Store or the Google Play Store on your device and search for “MyCardRules”. Download the app and follow the instructions to register your card and set up desired controls and notifications.

When will I become a Shore United Bank customer?

You became a Shore United Bank customer effective with the legal merger on July 1, 2023.  However, your Community Bank of the Chesapeake accounts will not convert to Shore United Bank until Monday, September 11, 2023. Beginning September 11, 2023, you can take advantage of all Shore United Bank products, services, ATMs and branch locations.

Will any of my account numbers change? 

Your account number WILL NOT change. You may continue to use your Community Bank of the Chesapeake account number and checks.

Will the Bank’s routing number change?

Shore United Bank’s routing number is 052100932.  The Community Bank of the Chesapeake’s current routing number will remain active. 

How will the routing number change impact my account?

  • For your convenience, debits and credits authorized with your Community Bank of the Chesapeake account number will continue to be made from your Shore United Bank account without interruption.
  • For any newly established automatic credits and debits, we ask that you use 052100932.

Is there anything I need to do right now?

  • Keep banking with Community Bank of the Chesapeake as you normally would. Your accounts will automatically be converted to Shore United Bank on September 11, 2023.  You may continue to use your Community Bank of the Chesapeake account number and checks.
  • Beginning the week of August 21, 2023, you will receive your new Shore United Bank debit or ATM card and a separate PIN mailer. While this may be a short-term inconvenience, we do need to reissue debit and ATM cards. Your new Shore United Bank card(s) will be mailed to you in a plain white envelope with a separate PIN mailer to follow in a perforated white envelope.  The automated PIN self-service number will no longer be available, please use the new PIN noted in the mailer.
  • Beginning September 11, 2023, you can change your PIN by visiting a Shore United Bank branch or ATM. 
  • Beginning September 11, 2023, we ask that you notify any merchants who are automatically debiting your account using your Community Bank of the Chesapeake debit card number be notified of your new Shore United Bank debit card number, expiration date and CVV code. To ensure these transactions continue to be posted, you should make the changes before the next scheduled transaction. Debit transactions authorized using your Community Bank of the Chesapeake debit card will not post after September 11, 2023.   
  • For details about account changes, please read the information, disclosures, agreements, and notices in the Welcome Guide. Please make note of critical dates and actions you may need to take regarding changes to your account.

I have electronic debits and/or credits automatically posting to or from my account.  Do I need to do anything? 

For your convenience, debits and credits authorized from your Community Bank of the Chesapeake account will continue to be made from your Shore United Bank account without interruption.   For any newly established automatic credits and debits, we ask that you use 052100932.

Who should I contact if I have a question?

If you have any questions about this transition, please call 1-877-758-1600, weekdays from 8:00 a.m. to 4:30 p.m., or email us using our secure Contact Us form located on our website. You may also visit any of our office locations that are listed on Locations Page.

Who should I contact if I have a question about access to online and mobile banking?

If you have questions about access to your online or mobile banking after September 11, 2023, please call 1-888-820-6840, weekdays from 8:00 a.m. to 11:00 p.m.

Who will provide my year-end tax forms for interest earned and paid?

Shore United Bank will provide tax reporting on all deposit and loan activity from January 1 through December 31, 2023. Standard year-end tax forms can also be received electronically through online banking.  Customers who are enrolled in online banking can access their tax forms by first selecting the eStatements tab and preferences.  From the tax form drop-down menu select electronic.  Going forward you will receive all of your standard tax forms via the preference selected. If the tax form history is provided from the Community Bank of the Chesapeake, it will populate in waves.

Where can I find the interest rate and APY for interest-bearing accounts?

Beginning Monday, September 11, 2023, please visit a Shore United Bank branch or call 1-877-758-1600 during normal business hours.   

When will I receive my interest earned on my interest-bearing accounts?

Your interest earned from the Community Bank of the Chesapeake will be credited on September 8, 2023. 

Will office hours remain the same?

Yes.  All branch hours at the new Shore United Bank branches will remain the same.

Will the Community Bank of the Chesapeake branch staff remain with Shore United Bank?

Yes.  The same friendly, professional team who have served you at Community Bank of the Chesapeake will continue to assist you as Shore United Bank employees. 

Will I be able to access online and mobile banking or automated telephone banking during the conversion weekend?

  • Mobile check deposit will not be available after 2:00 p.m. on Friday, September 8, 2023.
  • Online banking, mobile banking, and automated telephone banking will not be available after 4:00 p.m. on Friday, September 8, 2023.
  • Beginning Monday, September 11, 2023, at 8:00 a.m. you can log in to online banking at shoreunitedbank.com 
  • On Monday, September 11, 2023, at 8:00 a.m. you can also access your accounts using our automated telephone banking by calling 1-888-758-4900. As a first-time user, you will need to enroll for the system to recognize you. First time users will need their full social security number or tax I.D. number, account number, date of birth and zip code; you will be prompted to create a four-digit PIN for recurrent uses.   

Will I have access to my accounts during the weekend of September 8, 2023?

The Community Bank of the Chesapeake branches will be open until 3:00 p.m. on Friday, September 8, 2023. Although other Shore United Bank branches will be open over the weekend, branch banking will not be available at these locations for Community Bank of the Chesapeake customers until Monday, September 11, 2023. There are two ways you can access your accounts over the weekend of September 8, 2023.

  • Debit Card/ATM: You may use your Community Bank of the Chesapeake debit card to make purchases and withdraw cash at ATMs during the weekend of September 8, 2023 through 4:00 a.m. Monday, September 11, 2023. Beginning the week of August 21, 2023, you will receive a new Shore United Bank  card and a separate PIN mailer.  Activate and begin using your new card any time after 4:00 a.m. on Monday, September 11, 2023, by following the instructions in the mailer.    
  • Checks: You may continue to use your Community Bank of the Chesapeake checks. To order new checks on or after Monday, September 11, 2023,   visit shoreunitedbank.com and use the Check Order option, visit your local branch or call us at 1-877-758-1600.

What is the insufficient funds charge for overdrafts?

The fee is $35.00 for each item returned unpaid or paid into overdraft from a checking, savings, or money market account. 

07/17/2023 - Stock Exchange Process

Reminder shareholders! If you hold your TCFC common stock in electronic format, there is nothing you need to do to transfer your shares. For those with stock certificates that need help transferring shares or assistance with anything else associated with the stock transfer, please contact shareholderrelations@cbtc.com or call 240-427-1036.

07/01/2023 - Welcome Letter

06/02/2023- Community Wealth Advisor Broker Dealer Letter(opens in a new window)

05/05/2023- Community Wealth Advisor Announcement Letter
















1 Please note that the conversion dates and time referenced herein are expected as of the date of this guide and are subject to change do to intervening circumstances.