Frequently Asked Questions

Shore United Bank is here to support our communities with financial services and reliable advising. We invite you to expect more from your bank. And we look forward to exceeding your expectations. Learn more about Shore United Bank at www.shoreunitedbank.com.

You can reach us by phone at 1-844-333-3075, by email at onlinehelp@shoreunitedbank.com or by mail at P. O. Box 2338 Waldorf, MD 20604.

You can view the Cardholder Agreement via the credit card website www.creditcard.cbtc.com or mobile app. To view the agreement, access the link at the bottom of the home page/screen and click on ‘Terms and Conditions.” You will be directed to the Cardholder Agreement for viewing. To receive a copy of the Cardholder Agreement, please contact Customer Service at 1-844-333-3075 or onlinehelp@shoreunitedbank.com.

Yes. Please call Customer Service at 1-844-333-3075 to begin the account update. Please note, all legal name change requests must be submitted in writing and sent to Shore United Bank, P. O. Box 2338 Waldorf, MD 20604.

For your security and in order to protect your account information, we advise against sending us unsecure emails.

Shore United Bank, Payment Services, P. O. Box 2338 Waldorf, MD 20604.

Yes, your card can be used outside of the United States. Please note, to help prevent fraud on your account, transactions originating in areas we have identified as high-risk may be blocked. If you need assistance while traveling outside of the U.S., please call 1-844-333-3075.

To learn more about the different card offerings, please visit www.shoreunitedbank.com. To apply, visit www.creditcard.cbtc.com to review the various credit card options available and select one that will best fit your needs. Click on the ‘Enroll Now’ button to start your enrollment application. For consumer cards, you will receive an immediate decision and notification. For business cards, it may take up to 5 business days to verify your information. We will notify you as soon as it’s complete.

Yes. New cards can be activated in three various ways, by phone, mobile or web. To activate your card by phone, please call the toll-free activation number printed on your new card. You may also activate and register your card online at www.creditcard.cbtc.com. Finally, you can download our mobile app found on the Apple and Google Android Play Stores “Shore United Bank CreditCard”, click on the ‘Activate/Register’ button and begin entering the information requested.

You will be unable to use your new credit card for purchases or other transactions until you activate it. Your account may be automatically closed if your card is not activated within 14 days after you receive it in the mail.

Download the Shore United Bank CreditCard App or visit www.creditcard.cbtc.com. Click the “Sign Up” button from the web/mobile home page and begin creating your online credentials (user ID and password). Once complete, you will be able to access your account information by clicking on the “Sign In” button and entering your user ID and password. Your same credentials will work for both web and app access.

Select the 'Forgot Username/Password' link on the web/mobile homepage to reset your username and/or password.

No. Only the primary card member can set up Online Account Access.

Online/Web Account Access is a service which allows card members to manage their Shore United Bank credit card account online 24 hours a day, 7 days a week. You can access information, including, posted activity, pending activity, pay bills, rewards center, paperless statements, manage alerts, customer service, and manage profile/settings.

The Pending Activity section allows you to view real-time pending transactions that have been authorized by a merchant but have not yet posted to your account. You may also view pending payments which are in process and have not yet posted to your account.

The Posted Activity section shows all transactions that have been posted to your account including any payments and credits. You may select from transactions which have posted to your account since your last statement date, or you may select from prior statement dates.

Posted payments appear in the “Bill Payment Activity” section within the Bill Payment Center.

Payments made by 2:00pm (Eastern Time) Sunday through Friday will post that same day, displaying online/mobile the following business day. Payments made after 2:00pm (Eastern Time) and before 5:00pm (Eastern Time) will post on the next business night and be back-dated to the actual date received, displaying online/mobile the following business day. Payments received after 5:00pm (Eastern Time) Saturday through Thursday will post and display online the following business day. Payments received after 5:00pm (Eastern Time) Friday and before 2:00pm (Eastern Time) Saturday will post on Sunday and be back-dated to Saturday and display online the following business day.

You will be assessed a $39.00 Late Fee unless your payment posts on or before your payment due date.

Yes. The minimum allowable payment is $1.00. However, to avoid a Late Fee. We suggest that you pay at least your Minimum Payment.

There is no fee charged for Online Payments.

Yes. You can mail in a payment along with the payment coupon attached to your monthly statement. Please note that payments received by mail will have an effective payment date of the date they are received, but will not be processed on the following holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, or Christmas Day. Please allow sufficient time for your payment to arrive. We recommend that you do not send cash through the mail.

You can mail payments to Shore United Bank, P. O. Box 2338 Waldorf, MD 20604.

Yes. You can schedule a payment online or via the mobile app by visiting the “Bill Pay” Center and selecting the “Schedule Bill Payment” tab.

Yes. You can cancel it from the 'Bill Pay” Center page. A payment cancellation must be submitted by 11:59 p.m. (Eastern Time) on the day before the scheduled payment date.

Sign in to your online/mobile account and select 'Manage Profile' in the site menu (at the left-hand side) or at the bottom of the mobile home screen. On the Personal Information tab, click on the pencil “Edit” and locate the Mailing Address field to get started.

Sign in to your online/mobile account and select 'Manage Profile' in the site menu (at the left-hand side) or at the bottom of the mobile home screen. On the Personal Information tab, click on the pencil “Edit” and locate the Phone Number field to get started.

Yes. When you update your Email Address in the ‘Manage Profile' section, your email address for Account Notifications will be automatically updated as well.

Your changes will take effect immediately.

Sign in to your online/mobile account and select 'Card Services' in the site menu at the left-hand side or at the bottom of the mobile home screen. Then, select ‘Manage Alerts' tab to get started. Automated Account Notifications are sent directly to you via email and/or text. You may choose to receive notifications when various activity is being transacted onto your account.

Sign in to your online/mobile account and select 'Credit Card Payments' in the site menu on the left-hand side or on the bottom of the mobile home screen. Then, select 'Manage Payment Accounts' to get started. You may add a bank here for paying your credit card bill online or within the mobile app.

Yes, this can be achieved through online portal.

Sign in to your online/mobile account and select 'My Cards/Account Statement” in the site menu on the left-hand side or on the bottom of the mobile home screen. Then, select the toggle for 'Paperless Statements”. To turn off, simply untoggled back to Printed Statements. You will still have access to your most recent 24 months of billing statements.

If you are signed into your web/mobile account, select 'Manage Profile' in the site menu on the left-hand side or on the bottom of the mobile home screen. Then, select “Login Details” tab and locate 'Password' ‘change’ edit. Password changes are effective immediately. You will be automatically signed out and you may then sign in again using your Username and new Password.

You can replace a lost card by signing into your web/mobile account, visiting the “My Cards” in the site menu located on the left-hand side or on the bottom of the mobile home screen. Then select “Block/Replace” and navigating to the “Replace Damaged” or “Lost or Stolen Card” sections. Please note that if your card has been lost or stolen and there is any unusual activity on your account, you will need to call Customer Service as soon as possible at 1-844-333-3075.

Yes. you may request a credit line increase. Please call Customer Service at 1-844-333-3075 for more information.

We evaluate both your credit and payment history with Shore United Bank and your other creditors to determine eligibility for credit line increases.

Sign into your web/mobile account and select 'Card Services' in the site menu located on the site menu on the left-hand side or at the bottom of mobile home screen. Then, just locate 'Manage PIN (Personal Identification Number)' to get started. You’ll be able to reset your PIN. A PIN will allow you to request cash advances at ATMs worldwide.

You can initiate a payment dispute for a missing or misapplied payment by contacting Customer Service at 1-844-333-3075.

Please contact Customer Service at 1-844-333-3075 or mail your written dispute to Shore United Bank, Attn: Dispute Department, P. O. Box 2338 Waldorf, MD 20604. It is very important that you provide all information in regard to your dispute including: 1) your account number; 2) the name of the merchant; 3) a detailed explanation of your dispute; 4) the date that the charge was made; and 5) the amount of the charge. If you are mailing your dispute, you must sign your letter.

To preserve your rights under the Fair Credit Billing Act, you must notify us by phone or in writing of any disputed charges within 60 days after the potential error appeared on your statement. We will respond to your dispute within 30 days after receipt.

• Unauthorized charges
• Charges for goods or services you have not received or accepted
• Amounts billed incorrectly
• Transactions not clearly described, or for which you need clarification
• Goods or services that were paid for by other means
• Cancelled recurring charges (e.g. gym memberships)
• Merchandise or service was not as described
• Credit not received for returned merchandise
• Cancelled transaction with merchant or service provider

You should allow up to 30 days, although most credits will post to your account within 15 days.

If you returned merchandise via a service that provides delivery confirmation (e.g. USPS, UPS, FedEx, DHL), provide that documentation to us, including the full address where the merchandise was returned. If you cancelled a reservation, provide the cancellation number. If you were supposed to receive a credit, provide a copy of the credit slip.

Please contact Customer Service at 1-844-333-3075.

Some merchants do not refund shipping and handling charges, or they might charge restocking fees.

Provisional or Conditional Credit is a temporary credit which may be applied to your account in situations in which a transaction is being disputed. Upon completion of the research, a provisional credit may be removed or made permanent, depending upon the outcome of the investigation.

You can dispute multiple transactions by contacting Customer Service at 1-844-333-3075.