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ONLINE BANKING
ONLINE BILL PAYMENT
MAIL AND MESSAGES
SECURITY
QUICKEN OR MICROSOFT MONEY
ONLINE BANKING What is Smart Touch Online Banking? Smart Touch Online Banking is an Internet Banking Product, which allows you to perform various transactions on your computer from any location, as long as you have access to the Internet and a secure browser. Specifically, you can check your personal deposit and loan account balances, receive information about transactions within your accounts, make transfers between your eligible accounts, stop payment on a check, and order checks. What is Telebanc Telephone Banking? Telebanc is an automated telephone banking system that allows you to access your personal account information from a Touch Tone telephone. What is the cost for Smart Touch Online Banking, Online Bill Pay or Telebanc? It’s ABSOLUTELY FREE. There is no charge for either Smart Touch Online Banking and Online Bill Pay or Telebanc Telephone Banking. Of course, normal account charges may apply depending on which transactions are performed, such as stop payment fees, excessive withdrawal fees and check order charges. If I have United Bank Smart Touch Online Banking, do I automatically have access to Telebanc telephone banking or vice versa? You will use a separate User Identification code and Password (or Personal Identification Number) for both telephone banking and online banking. If you currently use Telebanc Telephone Banking (Inquiry/Transfer Access only) you will continue to access your account information with the telephone banking service using your same tax identification number and Personal Identification Number. All Smart Touch Online Banking customers will use a separate User ID and Password. Current personal online banking users will be required to re-enroll in the enhanced online banking service. New online banking users will select their User ID and Password when they enroll. Will I need two Personal Identification Numbers? YES. You will use a separate User Identification and Password (Personal Identification Number) for telephone banking and online banking. What do I need to know about the Smart Touch Online Banking new User Identification and Password?
I forgot my Password or have been locked out of Smart Touch Online Banking. How do I change it? If you forget your password, you can click the “Click Here” button to unlock your account or reset your password, which is on the Online Banking login page below the login box. You then must complete the following steps:
Or, you simply call one of our customer service representatives at 1.800.730.6169, who can reset your password after you answer your Secret Question. Will I have access to all of my United Bank accounts? Currently you can access your Personal Deposit Accounts, Personal Consumer Loan Accounts and Lines of Credit through United Bank’s Smart Touch Online Banking. How do I view the transactions on my checking account or savings account? Click the “Account Name” link from the Account Summary page. Can I view my pending transactions? To view transactions that are pending and have not posted to your account, click the “Today’s Credits” or “Today’s Debits” links within the Account Details section of your checking and savings accounts. Can I view my bank-issued credit card within Online Banking? At this time, credit card accounts are unavailable to view through Smart Touch Online Banking. However, you may go to the Smart Touch logon and signup – by clicking on the Credit Card link to sign up (enroll) or logon you will be able to access the Online Credit Card Service to view transactions and make payments. How much of my past account history is available to me? You will have three prior statement cycles of history available to you, as well as days on your current cycle. Also, past account history will build up to 24 months of additional history. Can I rename my accounts? Yes, you may re-name or create nicknames for your accounts, such as house account or child’s savings account. To re-name accounts within Online Banking, click the Manage Accounts link within the “Accounts” tab. You can nickname one or all of your accounts. Can I access Smart Touch Online Banking via WebTV? No. We do not support WebTV. What is the difference between “Ledger Balance” and “Available Balance”? Your Ledger Balance is your beginning of the day balance. Your Available Balance is your beginning balance plus or minus any of “Today’s Credits” or “Today’s Debits”. For example: Your ledger balance is $50, Today’s Credits total $25 (You deposited $25 cash at your branch. Credit from checks included in deposited funds may be delayed according to the Bank’s Funds Availability Policy.), and Today’s Debits total $10 (you took out $10 at an ATM). Your available balance would be $65. Note: other transactions may be credited/debited to your account throughout the day. What does opt-in/opt-out mean? During registration, you have the option of opting out of receiving account-specific offers and services that may interest you. If you choose to opt out, United Bank will not e-mail any special product offers or services. You can change your opt-in/opt-out status on the Preferences page. How do I order checks with Deluxe? Click on the Other Services tab then click on “Order Checks” link. You will need to select the checking account that you would like to order checks for. Then click the “Order Checks” button. A pop-up box will appear to alert that you are now leaving United Bank’s site to go to the Deluxe site. Click “OK” to proceed to the Deluxe site to order checks. Simply follow the 6 easy steps. You can choose a new check design or keep the same design, select the binding style, add special accents (lettering, monograms or symbols and messages), order check covers and you can even change your address or personal information printed on your checks. You can even preview the changes that are made so you know what your checks will look like. What if I do not accept the Smart Touch Online Banking Terms & Conditions? If you do not accept the Smart Touch Online Banking Terms & Conditions, you will not be provided access to use Smart Touch Online Banking. Can I view a copy of one of my checks through Smart Touch Online Banking? Yes, when you are viewing your account history you can click on any CHECK hyper link to view your checks. ONLINE BILL PAYMENT How do I start using bill payment? First, you need to have a Smart Touch Online Banking User ID and password. If you did not set up Bill Pay when you first opened your online banking access, you will need to accept the terms and conditions for Bill Pay. Then you can begin by adding merchants/payees to your Merchant/Payee list and schedule payments for them using the Setup/Change Payments or QuickPay options. What kinds of bill payments are available? Two kinds of bill payments are available:
Why do I get a confirmation number when I make a payment? Confirmation numbers are provided for all confirmed or modified payments. This is your assurance that a payment will be processed on the date it is scheduled. It is also a reference number that can be used for requesting research. Return to TopHow will I know if a payment was processed successfully? The Payment History will show a status of "Processed" for that particular payment. However, this does not guarantee the merchant/payee received or posted this payment. How will I know if a payment failed? The Payment History will show a status of "Failed" for that particular payment and the system will send you a message to let you know the payment failed. The most common reason for a failed payment is insufficient funds in the account used to make the payment. The Payment History showed that my payment was "Processed", but my bank account has not been debited. Should I schedule another payment for this merchant/payee? No. Anytime a payment shows a status of Processed in the Payment History, this means that the payment went out to the merchant/payee successfully. The debit to your account can take up to 3 business days to post to your bank account. Is there a way I can verify online that a merchant/payee received my payment? If payment was made to the merchant/payee by check, you can determine if the check has been cashed by viewing the payment details under payment history. Actual verification needs to come from the merchant/payee. If the payment was made via electronic remittance, then you must contact the merchant/payee to verify that the payment was received and posted. What is the maximum amount for any one payment? The maximum amount is set at $9,999.99. If you are having problems, please contact Customer Service. Return to TopHow far in advance can I set up a payment? Payments can be set up as much as 18 months in advance. Do I have to re-enter payments each month? You can set up automatic payments of the same amount so you do not have to re-enter them each month. Are there any payments I should not make through the system? The following payment types are prohibited through the system:
It is not recommended to pay another bank to which you wish to make a deposit. How many days before the due date do I need to make a payment? Unless otherwise specified, we recommend that you specify a payment date at least 5 business days before the due date to ensure your payment reaches its destination on time. The Bill Pay system says 'Schedule payment at least 5 business days before due date'. What does this really mean? The number of days before the payment due date is called "lead time." Lead time covers the time required for the merchant/payee to receive and post the payment (assuming the merchant/payee address and account number are correct). This does not guarantee when the merchant/payee will post the payment. The day that the payment was processed is not included in the lead time. Lead time should be used with discretion, since only user experience with the merchant/payee will determine the number of days the user should allow for actual posting of the payment. Return to TopIs there a way to see previous payments? Your payment history will be retained for 7 years. You may search for past payments by using one or a combination of the following:
What if my recurring or one-time payment falls on a non-business day? One-time payments cannot be scheduled for non-business days (such as weekends or Federal holidays). Recurring payments are scheduled payments set up to happen on the same day or date each month (for example: each 15th). If one of these recurring dates falls on a non-business day, the payment is processed on the preceding business day. What do I need to do if one of my merchants/payees notifies me that a payment has not been received? First, contact the merchant/payee directly to verify that the payment has not been received. Next, confirm that your payment was processed by using the Payment History option. View the payment details and select Research Request to initiate a payment Investigation. Is there a cutoff time for me to cancel or change a payment scheduled for today? You can review, change or cancel a payment at any time. If the payment is scheduled for that day, the change or cancellation must be before daily settlement time of 2:00 p.m. (Eastern Time). The system displays an error message if you attempt to modify a payment after this deadline. Return to TopHow will I know if an automatic payment instruction has expired? You will receive a Final Payment secure message notifying you the last scheduled payment has been processed. You can modify and reschedule your payment if you wish to continue it. When can I begin making payments to a new merchant/payee I added? You can begin making payment to that merchant/payee immediately. Can I pay someone who does not appear on my list? Yes, simply add the merchant/payee to your Merchant/Payee List in order to make a payment to them. How do I add a merchant/payee to my list? Using the Merchant/Payee Accounts option, select Add Merchant/Payee and then complete the requested fields. How do I change the account number or address for a merchant/payee? Using the Merchant/Payee Accounts option, select the Merchant/Payee, select Details and then update the appropriate information. MAIL AND MESSAGES How do I send a secure message to Customer Service? When you select Compose New Mail from the menu, a Send To drop-down selection is presented. Select the appropriate recipient and click the Create Message button. Can I send a secure message to one of my merchant/payees? No, you may only send a secure message to us. Can I receive an email to let me know that the system has sent me a secure message? To indicate when you want to receive an email, select Personal Information, Alerts. On this screen you can choose which incidents should generate an email. Return to TopSECURITY How secure is Smart Touch Online Banking via the Internet? United Bank Smart Touch Online Banking via the Internet will require you to enter a User ID and Password. You SHOULD NEVER distribute either of these codes unless you want someone else to have access to your account. Your User ID and Password are designed to protect your privacy of your banking information, but only if you guard it against unauthorized use. Never write it down, memorize it!! In addition your Internet Service must support Secured Socket Layers (SSL) and you must use a web browser with 128-bit encryption. Which Web Browsers are acceptable? To ensure maximum security benefits (128-bit encryption), you should use the current version of one of the following compatible web browsers: Netscape 6.2 or higher, Internet Explorer 5.x or higher, and AOL 5.0 or higher, which uses Internet Explorer. How secure is banking on the Internet? Internet banking is safer than most credit card transactions because United Bank’s Smart Touch Online Banking uses several layers of security. The Internet banking data resides behind a firewall that is protected from unauthorized entry. In addition, all sensitive data is encrypted in the data warehouse and sessions are protected by your password and the security built into your browser. Remember to end Online Banking sessions by logging off and closing the browser window. When using a public computer, do not allow the browser to remember any login information. Is my account data safe? Yes, Online Banking uses advanced security technology to ensure that your account data is protected. All sensitive account data is encrypted when it is stored in the Online Banking data warehouse, as well as when it is sent to your Web browser. Your Online Banking sessions also are password protected, so that your account cannot be accessed without your password. Is there a time limit to when my online session expires? For your security, your online session will log off after 15 minutes of inactivity. Is there an indicator to continue my online session to prevent it from expiring? Yes, 2 minutes before your session will expire a pop-up indicator will appear. Why must I change my password? To safeguard your accounts from unauthorized access, passwords will expire every 120 days (4 months). To view the date when your password will expire, go to the “Other Services” tab. Is my User ID and Password case sensitive? No, your access codes to Online Banking are not case sensitive. Why do I get logged out of the system when I click the Refresh button? As a security measure, the system will end your session when using the Refresh button on your browser. QUICKEN OR MICROSOFT MONEY Can I use Quicken or Microsoft Money with Smart Touch Online Banking? Quicken and Microsoft Money cannot be used as a direct interface with Smart Touch Online Banking. However, you can download your United Bank account information into either of these products. Can I download my transactions to Quicken and Microsoft Money? Yes, you can download checking, savings and money market account transactions into these programs. How does the “downloading” process work? The download allows you to transfer account transaction information from the Internet to Quicken or Microsoft Money. How do I download information into Quicken 2004 for Windows and earlier? Follow these simple instructions:
How do I download information into Quicken 2005 for Windows? Follow these simple instructions:
When I download my statement into Quicken or Money, will the transactions reconcile with transactions that I have manually entered into my Quicken or Money register? No, the two will not reconcile. It is recommended that you begin with a blank Quicken or MS Money Checking Account statement, with the appropriate corresponding beginning balance, and download your United Bank information daily or weekly. This will give you the capability of then using the Quicken or MS Money management tools. |
