Do you own a business?
Do your customers have the ability to pay with a credit card or a debit card?
If the answer is yes, United Bank has teamed up with Payscape to provide business customers with the equipment and the ability to accept payment with Visa, MasterCard, American Express and Discover credit cards and debit cards. This is called Merchant Card Services.
Payscape also offers an entire suite of business solutions including check guarantee services. Businesses can increase sales because it is convenient for customers to use their credit or debit card to make purchases. Contact your local United Bank office for more information.
Banking on your terms...
Make deposits without ever leaving your business? It’s like having a bank in your office! At United Bank, we are pleased to offer our remote deposit product, Deposit Advantage. This cutting edge technology provides businesses a new way to streamline payment processing. With Deposit Advantage, you can expedite check processing, access funds faster, receive earlier notification of returned items, and eliminate daily trips to the bank. Not only is the service convenient for you and your business, it is also very easy, safe and secure to use
How this service works...
1.) Enter your deposit amount & number of items
2.) Scan the checks to be deposited
3.) Approve & Send
Why use Deposit Advantage?
Convenience – There is no need to make daily trips to the bank. Deposit Advantage allows you to deposit checks from the comfort of your business! By doing this you can save time and increase employee productivity.
Cash Flow – Cash flow can be improved through accelerated clearings and improved availability
Reduced Risk – The faster you make deposits, the faster your items clear, and the faster you receive return check notification.
Flexibility – No longer are you constrained to make deposits when branches are open. Make deposits when you want – Days, Nights, Weekends! The choice is yours!
For more information, please contact Abby Wiggins at 800-423-7026 or email@example.com
Whether your business is small, large, just starting out or well established, Cash Management gives you access to the financial information you need to make critical business decisions anytime day or night. Through United Bank's Internet Cash Management service, your company can complete important business banking and cash position decisions at your convenience.
Online Banking keeps you a step ahead.
Whether it is simply viewing your account history and paying your bills or a business using Cash Management to direct deposit your payroll, United Bank has an online solution for you. Our unique Online Banking offers many features that can be customized to fit your needs.
If your online banking was part of our recent conversion and you need assistance, click here for our Online and Mobile Banking resource page.
Interactive Checkbook Register
Interactive Checkbook Register allows you to categorize expenses and spending for better tracking, the new check register is your own personal finance manager.
With our check register, you can:
Add customized transaction descriptions and assign transaction categories from both the Quick History and History search results pages.
Select one or more transaction categories to a filtered history search.
Access income and expense summary and detail reports from the advanced history search page.
Customize your category list, including adding custom categories. Access your category list from either of the history pages, or from the User Preferences section in User Services.
Just one Web site to view all your pass-word-protected online accounts including bank, credit cards, brokerages, utility and insurance companies. You can even add frequent flyer miles and catch up on the news.
It's easier to manage your budget and your personal business when all of your online accounts are available from one, easy location. Visit our Web site, click on "Finance Center" and sign-up today.
All pending online transactions, such as transfers or bill payments will be added to the future view register projecting a resulting balance from each transaction up to 30 days in the future. You are also able to add recurring offline transactions such as payroll deposits and insurance drafts to the future view register to be included in the projected account balance.
Account History Download
The available file formats are the following:
MSMoney: The MSMoney feature allows you to access your account history and download this information directly into your MSMoney software on your PC. Your downloaded transactions will be reconciled against any transactions already entered in your account register. MSMoney also automatically matches any transactions you have already entered in your register to eliminate duplicate download entries.
Quicken® Web Connect: The Quicken WebConnect feature allows you to access your account history and download this information directly into your Quicken® software on your PC. Your downloaded transactions will be reconciled against any transactions already entered in your account register. Quicken® WebConnect also automatically matches any transactions you have already entered in your register to eliminate duplicate download entries.
QuickBooks® Web Connect: The QuickBooks® WebConnect feature allows you to access your account history and download this information directly into your QuickBooks® software on your PC. Your downloaded transactions will be reconciled against any transactions already entered in your account register. QuickBooks® WebConnect also automatically matches any transactions you have already entered in your register to eliminate duplicate download entries.
Need to know what checks have paid or did you forget to post your payment to the telephone company? Look here for the most current account information.
1. Account Transfer - Transfer funds between your United Bank checking and savings accounts.
2. Credit Line Advances - Request an advance and deposit it to a United Bank account.
3. Loan Payment – Make your loan payments from one of your United Bank accounts.
Now we can communicate with you, our customer, whenever we have new products and services, or other important information to share with you. This is just one more way to let you know what’s going on at United Bank. This feature also allows you to e-mail us with questions or comments.
Internet customers can use this feature to edit their account address, phone number and e-mail address information. In addition, Internet customers may also assign nicknames to their accounts for quick reference.
Do you ever misplace your statement when it is time to balance your account? Peace of mind is now only a mouse-click away with online statements!
UniPay Direct is an internet based payment processing system designed to meet the specific needs of schools, professional offices, municipalities, counties and other government offices.
In today’s economy, you need to offer payment options that will improve your revenue stream. With UniPay Direct, your customers can make payments online 24 hours a day, 7 days a week via ACH debit from a checking account, credit or debit cards. This easy to deploy system will give your customers the ability to pay when, where and how they desire through a secure, stat-of-the-art system.
UniPay Direct uses the latest technology to help you speed up collections, all while providing secure convenience to your customers.
UniPay Direct allows you to provide a variety of
payment types to your customers such as:
Taxes & Bill Payments
-Trash, Sewer & Water
Vital Records Requests
School Payment & Fees
Fees, Permits & Licenses
-Facility Rental Fees
-Country Club Dues
-Parks & Recreation Fees
-Slip/Water Use Fees
-Records Request Fees
Ideal for large organizations looking to simplify the payables process and to have more control over spending through advanced reporting features.
*See application’s terms and conditions. This card is issued by TCM Bank, N.A. Subject to credit approval.
**To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.
Accelerate cash flow and reduce processing costs.
Advantage Prepaid Card Frequently Asked Questions
For support, card activity, moving funds and more, click here.
Advantage Prepaid Card Fee Disclosure *No charge to employers unless United Bank cash management is established - see business solution manager for details.
With the Advantage Card, cardholders have access to the following features and benefits:
As a Second Chance. . . .
For clients who have had challenges in the past or may not meet the requirements to obtain an account, The Advantage Card will open the door to many of the same tools and money management features that a traditional checking account would include. There is no credit approval required for this account and funds can be loaded in the branch or directly deposited. It's a great way to avoid long lines and fees associated with cashing your check.
For Students . . .
From books to gas to entertainment, today's young adults want the flexibility that comes with a personal card option. With The Advantage Card, students learn money management without the risk of overdrawing their accounts. The Advantage Card's online tools allow for real-time balance inquiries and account tracking. Students still have access to cash at ATMs and point of sale transactions. It's an ideal solution for students away from home or for young adults who want additional financial freedom with reduced risk.
For Travel and Online Purchases . . .
Protect yourself from online fraud and theft with a pre-paid Advantage Card. By loading only the funds you plan to use on vacation for those specific online transactions, you avoid the risk of someone gaining access to your daily checking account. The Advantage Card is accepted anywhere MasterCard Debit Cards can be used including the ATM when you need cash on the road.
1 A credit check is not required to obtain The Advantage Account, however the account may be offered as an alternative to our traditional checking services based on information obtained in a credit report as part of that account opening procedure.
2 See complete fee disclosure on the card carrier or fee product guide.
3 Standard text rates and carrier fees may apply.