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ONLINE BANKING
ONLINE BILL PAYMENT
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. ONLINE BILL PAYMENT 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. Can I pay my bills online through Smart Touch Online Banking? Yes, you can pay your bills through Smart Touch Online Banking. If you currently use Smart Touch Online Banking and want to pay bills click on Pay Bills and follow instructions for online Bill payment. If you are not currently using Online Bill Pay but would like to, please click on Pay Bills and follow the instructions to “Activate Bill Payment.” How do I sign-up for Online Bill Payment? To activate Bill Payment, click the Pay Bills tab, the “Activate Bill Payment” screen will be displayed. Complete all sections of Bill Payment Agreement. Click the “Submit” button – you will receive confirmation. To complete your bill pay set-up, you must add at least one merchant. You may begin scheduling payments and adding additional merchants to your Merchant List. What can I do with Online Bill Payment? You can make payments to virtually any business or individual. You can set up recurring fixed payments, set up one-time future payments, set up a one-time immediate payment or pay multiple merchants at one time. You can also set up your own merchants, view and modify your merchant list, view pending transactions and view your Bill Payment history with approximately three (3) months history. How much does Online Bill Payment cost? Smart Touch Online Bill Payment is FREE with unlimited bill payments. What is a merchant code? A merchant code is a 3-digit code used by our system to differentiate merchants on your merchant list. Are my payments sent electronically or by check? Payments are sent via both channels depending upon the merchant. To check a particular merchant, please go to your “Merchant List” and click the merchant’s name for additional information. A pop-up box will appear and tell you whether that particular merchant is paid electronically or by check. What is the difference in a personal or an organizational merchant? A personal merchant is someone that you are personally paying that you do not want to appear on the global list that other users may also be paying. For example: Your day care provider, newspaper delivery boy or possibly a relative. An organization is typically considered companies whom you pay on a regular basis. For example: Virginia Power, Verizon, Direct TV, etc. How far in advance should I pay my bills online? Merchants may vary in payment processing times. We suggest paying bills 7 business days prior to the due dates for check payments and 3 business days for electronic payments. Are my bill payments reflected on my statements? All payments made through Bill Payment will appear on your monthly account statement. When will my bill payments be processed? Payments initiated Monday-Friday (excluding Federal Holidays) up to 8:00 PM ET will be processed for that business day. The funds will be sent to your merchants the following business day. Example: Payments requested for a Tuesday at 7:00 PM ET will be processed on Tuesday and the funds will be sent to the merchant on Wednesday. Payments requested on a Saturday will be processed for Monday (if Monday is not a Federal Holiday) and the funds will be sent to the merchant on Tuesday. When will my merchants apply my payments? Typically, electronic payments will post in 3 business days while payments made by check may vary with postal delivery and/or merchant processing. We suggest allowing 7 business days prior to the due dates for check payments. I am unable to view details on my merchants, why? If you have a pop-up blocker enabled, this may cause interference with viewing details on your merchants such as addresses, phone numbers, and payment methods. Please adjust your pop-up blocker to allow pop-ups for Online Banking. Can I make payments to anyone? Anyone who will accept bill payments can be paid, however tax-ordered and court-ordered payments are not permitted. Can I make payments outside of the United States of America? No, payments to international addresses are not permitted. How do I change the address for a merchant? First click on the “Add a Merchant” link to add the merchant with the updated address. Once the merchant is added with the new address, delete the merchant that contains the former address. Access your personal Merchant List, click on the merchant that contains the former address and delete it from your Merchant List. How do I change my merchant account number? Use the Merchant List Link and click “Modify Merchant”. Did I duplicate a payment? To determine if a payment was duplicated before it is processed, use the “Pending Payments” link to review pending bill payments. To avoid duplicate transactions, please only click once on confirmation pages. What if I have a problem with a payment? Simply call one of our customer service representatives at 1.800.730.6169, and you’ll get proof of your payment and help to resolve the issue. SECURITY 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. |
