Maximize Your Online and Mobile Banking Experience

We hope you're enjoying United Bank's new Online and Mobile Banking. The following pages are designed to help you make the most of your experiences whether on a PC, tablet or smartphone. You will also find answers to common questions as well as tips and tricks that may help you save time when using these new tools and features. 

If at any time you do not find the answer to your question or need assistance, please feel free to call us during business hours, 8 am - 5 pm at 1- 800-423-7026. Your local branch staff are also ready to help. To find their address or contact information, click here

Initial Login/Enroll

If You Would Like to Enroll In Online Banking

To enroll in Online Banking from the United Bank website, click 'Consumer/Small Business Customers Click Here'. Complete the enrollment form. Once approved you will receive an email notification to the email address you supplied during enrollment.



Online Banking

Can I Add Another Account to My Online Account Listing?
If you would like to have another one of your United Bank accounts added to your online banking lineup, please contact your local branch or call 1-800-423-7026. At this time, we do not offer the ability to add accounts manually.

Does Online Banking Allow Me to See My Personal and Business Accounts on the Same Page?
Only sole proprietors who use their SSN as their business Tax ID are able to see both business and personal accounts on the same page. When business and personal accounts are combined on the same page, users have unlimited access to both and to make transactions, transfers etc. To keep employees from accessing an owner's personal accounts, we require businesses that want to see their accounts to register for a separate USER ID and LOGIN for their business. 

How Do I Create a Stop Payment?
View existing and create new Stop Payments. You will need to know the check date, check number, payee, and from which account the check was written. A stop payment fee may apply. 

My Loan Details Are Missing?
While our new system does not provide as much detail on the initial account page as it used to include, you actually have access to much more detail by clicking the 'i' information icon on the account pane.

What Are Alerts?
You can set alerts for account alerts and security alerts. You can receive alerts via email or via text. You can set alerts by navigating to the Alerts Menu. There you can establish thresholds for balances to trigger alerts, establish transaction events, watch for particular items etc. 

UB Mobile

How Do I Find and Download United Bank's mobile app?

In the Google Play Store or  App Store search 'UB Mobi'. Download the app for free. If this is your first time using the service, please register your account. For existing users please use your existing username and password to access the application.


How Do I Make a Mobile Deposit? 

Mobile deposits can be made by accessing the United Bank Mobile App and selecting Deposits. Simply follow the prompts for taking a picture of the front and back of your check. You can select the account you wish to make the deposit to, as well as enter the amount. Please endorse your check with the phrase “For Mobile Deposit Only” along with your signature prior to taking a picture of your check.

Please give us a call at 1-800-423-7026 if you are unable to access this deposit feature or have further questions or concerns.



Why Are My Payments Now Being Sent by Check When Before They Were Sent Electronically?
If your payee establishes new electronic payment relationships or discontinues them, your payment processing method may be impacted.

How do I fix it when I see a payee is now paid by check when it was paid electronically?  When you are paying bills and you see the “check” notation compare the address for that biller with the monthly statement.  Delete the biller and rekey the biller name, account number and address and let the system search for a match.  When a match is found it should return to an electronic basis if it was electronic previously.  If it still isn’t electronic – and was previously – call BillPay at 866-665-6797.

Is There a Limit to the Amount of a Bill I Can Pay in BillPay? 
The default setting for bills to be paid electronically is $5,000. If you have a bill to be paid larger than $5,000, you will be prompted to approve the bill to be sent via paper check. BillPay will still handle cutting and mailing the check. If you feel you need this limit increased, please contact us at 1-800-423-7026. 

What is the Difference Between BillPay and GiftPay in the Menu Options? 
If you're the gift-giving type, GiftPay makes it easy to send money for special occasions. Send a gift check with a personalized message designed for birthdays, new babies, weddings, graduations, anniversaries or just because for only $2.99. You can also send a donation to your favorite charity or organization in honor or memory of someone special for only $1.99. You can send a personalized message about your donation using up to four email addresses and receive a copy for tax purposes. 

Can I See the Check Number That Was Used to Pay a Bill? 
You are able to see check numbers under the payment details in the payment history.

Can I Still Use Expedited Payments? 
Yes, next business day delivery and two-day delivery options are available. Fees may apply. There is a 3 p.m. CST deadline to take advantage of this service. 

I Cannot See BillPay on my iPad
Because of the software used for BillPay, you will need to modify your tablet or phone settings. For Apple users, under SETTINGS, locate Safari Settings and choose to allow cookies. 

Who Do I Call if I Have a Problem with My Payment? 
Please contact BillPay directly at 1-866-665-6797. You can also chat with BillPay Support from INSIDE the BillPay tab. BillPay chat support is available from 6 a.m. -1 a.m. CST. 

P2P/Pay A Person

How Do I Add a New Payee or Use Pay a Person/Bank to Bank Transfer? 
By selecting "Add a Payee" within BillPay, you have the option to pay a company through traditional BillPay, pay an individual using their email, or make a bank transfer. 

To see a complete video demonstration of this, click here.

If paying a company, you will need to know the company name, address, phone number, and your account number. If the company is recognized in the BillPay system, you will be prompted to confirm your information. If not, you may need to add additional information. 

To pay a person, you have the option to enter their email and a verification phrase, or to enter their bank information. If using their email, you will enter their name, email and a phrase you will share with them so they can confirm you're adding them. Once they confirm, you can send them money anytime. Pay a Person works the same way in UB Mobile. 

What are Bank-to-Bank & How is That Different from Pay a Person? 
External transfers are transfers of your money between your accounts at our bank and another bank. You can move money between banks with external transfers. Pay a Person (or P2P) is the movement of money between two individuals where both accounts may or may not be at our bank. 

Pay a Customer

Transfer money instantly to other United Bank customers for free with "Pay a Customer". You will need the recipient's name and United Bank account number.

Mobile Deposit

How Do I Make a Mobile Deposit? 

Mobile deposits can be made by accessing the United Bank Mobile App and selecting Deposits. Simply follow the prompts for taking a picture of the front and back of your check. You can select the account you wish to make the deposit to, as well as enter the amount. Please endorse your check with the phrase “For Mobile Deposit Only” along with your signature prior to taking a picture of your check.


Please give us a call at 1-800-423-7026 if you are unable to access this deposit feature or have further questions or concerns.

Password & Access ID Reset

How Do I Change My User ID?
If this is your first log in, you will need to complete the Initial Login first using your current USER ID and last four numbers of your social security number or TIN number. Once you've established your log in, you can go to "Settings" to change the user ID.

How Do I Change My Security Image in Online Banking?
In Online Banking, click "Settings" in "Modify Personal Settings." Click on your current Security Image (picture) to change the image. Click to select or change your image and then at the bottom of the page, click "Submit."

What If I Forget My Password?
You will now be able to reset your password at any time. Simply click the "forgot your password" link when you sign in and follow the instructions. You will need to know your Online Banking ID and your email address on file. You will receive an email with instructions on how to reset your Password. You will be asked your Password Reset Question and answer with your Password Reset Answer that was set at the time of initial enrollment. Please note: Password must be between 8 and 20 characters. Alpha-Numeric-Special: numbers, letters, special characters are required. The following special characters are allowed: + _ % @ ! $ & *

What Do I Do if I Forget My Online Banking ID and Password?
Contact United Bank Customer Service at 1-800-423-7026.


I Am Seeing Error Messages When I Try to Download the Files to Quicken or QuickBooks. Why? 
There are some common error messages that have to deal with connectivity issues and updating account files. Please visit THIS SUPPORT SITE to see if these tips correct your issues or if these scenarios apply to you. 

If your password is saved in Quicken or QuickBooks you will need to deactivate the webconnect and then reestablish the webconnect. It will ask if you want to link to an existing account and you can choose the account to which you would like it to link. 

Cash Management


Can I Establish Recurring Batches?
This system does not allow the set-up of recurring batches. The batch will stay out there, but you will still have to log in and "initiate" it each time. This is a security feature making sure that someone is laying eyes on the batches being processed. 

What Is Reset to Zero?
Utilize the 
"Reset to Zero" feature to set the amounts to zero after your batch is submitted. Example: If you input hourly employee payroll each week, this tool will save you time (and help to avoid confusion) by putting each amount box back at zero after the batch has been processed. 

How Can We Edit Several Amounts at Once?
Utilize the 
"Quick Edit" option in your options drop down menu to quickly update several amounts at one time. Also, when setting up a new batch, you can utilize the "Add Multiple" feature at the bottom of your screen to view a list of multiple blank spaces to complete (versus entering them one by one). 

REMINDER - in the old system you wanted your status to say "approved" to know you were good to go. In our new system, you want your batch status to say "Initiated" to know you are good to go. 

If you are importing a NACHA file and do not have the option to "Initiate," or it tells you your company ID is not valid, it is likely because the Company Name inside your NACHA file does not match 100% the Company Name in our system. Please call Abby Wiggins at 850-858-1202 or 850-508-7643 and we will walk through correcting that. To be proactive - you may email me a NACHA file before you upload it the first time and I can go ahead and correct the name if that's the issue. 

Will I Receive a Confirmation Email?
You should receive a confirmation email once a batch is initiated if your email address is in our system properly. If you are not, please let us know and we will work to update your email address. If you are the Admin and receiving multiple emails for each batch set up by a sub user, it is because your sub users email address isn't set up, therefore it is emailing the admin on sub user batches. 

Tax Payments - only Federal tax payments are authorized (not state). 

You can schedule a batch 14 days in advance

Pseudo account names: you can rename your accounts. Click on the settings tab, then click on Accounts. 

For Support: If you need additional support for ACH/Cash Management, please call Abby Wiggins at 850-858-1202 or 850-508-7643. You can also call Customer Service at 1-800-423-7026. 

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United Bank has no control over information at any site hyperlinked to or from this Site. United Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by United Bank of any information in any hyperlinked site. In no event shall United Bank be responsible for your use of a hyperlinked site. If you "Continue", the link will attempt to open a new window. If it is unable to, the link will open in the current window.

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Deluxe Corporation Link Disclaimer

As of July 1, 2015, United Bank is partnering with Deluxe Corporation for Personal & Business check orders. If this is the first time you have ordered checks since then, you need to contact your local branch or call 800.423.7026 to place your order. If you have ordered checks since July 1, 2015, please click continue to proceed.

If you choose to continue, you will be taken to Deluxe Corporation's website. The inclusion of this hyperlink does not imply any endorsement, investigation, verification or monitoring by United Bank of any information on this site. United Bank is not responsible for your use of the hyperlinked site.

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