Cash Management Services | Information Services | Collection Services
Disbursement Services | Investment Services | Fraud Management

Disbursement Services

AUTOMATED FUNDING OF DEMAND DEPOSIT ACCOUNTS

United's automated funding of demand deposit account processing offers automated transfers between commercial lines and demand deposit accounts providing working capital for your day to day operations. This automated processing eliminates the need for manual transfers of funds between accounts. Automated funding of demand deposit account processing reduces overdraft fees, provides flexible funding and offers the added convenience of automated transfers.

AUTOMATED PAYMENT OF COMMERCIAL LOANS AND LINES

United's automated payment of commercial loan and line processing offers automated transfers between demand deposit account and commercial loans reducing over funding of accounts and interest expense. This automated processing eliminates the need for manual transfers of funds between accounts. Automated payment of commercial loan and line processing reduces outstanding balances, borrowing and interest expenses and offers the added convenience of automated payments.

CORPORATE CREDIT CARDS

United's Corporate Card Program offers a complete and comprehensive procurement solution that can be tailored to your company's specific requirements. United's corporate card program features traditional, travel and purchasing cards with consolidated or individual billing and full or minimum monthly payments. Employers have web access enabling you to track and analyze corporate expenditures and customize reports. United Bank's local and professional staff maintains a close working relationship with all of our commercial clients to ensure the highest level of client support.

ACH ORIGINATION - DIRECT PAYMENTS

ACH Origination is an inexpensive and effective method of creating credit transactions for your company's payments. ACH origination assists your human resource and accounting departments in secure and timely processing of payroll and accounts payable entries. United Bank offers two selections for ACH origination:

• ACH Direct will process an ACH file that is created by your company and transmitted to United.
• United Bank's Business Online Banking service will facilitate the ACH file creation process and offers enhanced reporting capabilities.

ELECTRONIC TAX PAYMENT SERVICES

Electronic tax payment service facilitates payments of your federal and state tax requirements. Utilizing United Bank's Business Online Banking Service, you will have complete control in the timing and disbursement of these funds. United's online service also provides enhanced reporting capabilities for your tax payment records.

INTEGRATED PAYABLES

Integrated Payables is a comprehensive paper-based solution for all of your printing and distribution needs associated with vendor and employee payments. Check and voucher instructions are submitted to United Bank via a daily issue file. United Bank's integrated payables provide same day check and voucher printing and distribution helping to reduce your clerical and procurement responsibilities.

PAYROLL DEBIT CARDS

United's Payroll Debit Card provides real time disbursal of payrolls to geographically diverse locations and to employees without traditional banking relationships. Cardholders have immediate access to their payroll funds through POS and ATM withdrawals. United's Payroll Debit Cards reduce the risk of check fraud associated with paper checks and provides one payroll solution for all of your employee needs.

VISA® BUSINESS CHECK CARDS

United's Business Check Card provides convenience and flexibility to our small business clients and authorized signers as compared to traditional business checks. Cardholders have greater access to their business accounts attributed to worldwide acceptance by Visa®‚ and through thousands of Cirrus®‚ and Star ATM locations. There is no additional statement to keep track of or balance since all Check Card purchases are detailed on your monthly statement.

WIRE TRANSFER

United Bank provides a comprehensive wire transfer solution. United offers convenience and same day funds processing for domestic and international wires. We utilize added security measures for your account protection and can provide additional notifications via letter, fax and e-mail.

ZERO BALANCE ACCOUNT PROCESSING

United's zero balance account processing offers automated transfers between zero balance and master accounts providing consolidation and collection of funds. This automated process eliminates the need for manual transfers of funds between accounts. A master account aids in reconcilement and audit requirements, improving your company's cash concentration for daily reporting and investment opportunities.