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

For a demo of Online Banking and My Finance Center, click here

Initial Login/Enroll

If You Were a United Bank Online Banking Client Prior to August 10, 2015:

  1. You will login to online banking by visiting the bank's home page at www.unitedbank.com. 
  2. If you have had a bookmark set for this page, please remove it and save a new bookmark. 
  3. Find the login section in the upper right. 
  4. Enter your existing User ID in the appropriate box.
  5. DO NOT RELY ON SAVED PASSWORDS TO POPULATE THE PASSWORD FIELD. You will need to use your new temporary password. Your new temporary password for online banking will be the last four digits of your Social Security number.
  6. You will be taken to the Password screen where you will enter your password. Remember, it will be the last four numbers of your SSN or TIN. You will also see an initial security image. This is a randomly generated image and is not the image you will have going forward. You will choose your own in the next steps. 
  7. Once you login, you will be prompted to choose a new password. 
  8. You will establish three security questions and answers. IMPORTANT: Once you answer these questions and submit, you cannot change your answers. Please make note of the answers for safekeeping. 
  9. As an added security feature, please select a security image from those listed. This image is specific for you and will appear each time you login. If your image does not appear correctly when you log in, it's possible you've entered an incorrect USER ID. Please verify this before calling. 
  10. You will need to set a Password Reset Question and Answer.
    In Online Banking, click "Settings." In the "Modify Personal Settings" tab, create a password reset question and answer. At the bottom of the page, click "Submit." 

If You Would Like to Enroll In Online Banking

Visit www.unitedbank.com to enroll in Online Banking. You will select the "Enroll" link within the login box in the top right corner of the United Bank home page. You must be a United Bank account holder to enroll. 

Once you choose the "Enroll Link," you will be prompted to agree to the Online Banking Terms and Conditions. 

Once you agree, you will be prompted for your Social Security Number, Account Number you want to begin with, and your email address. Please DO NOT use the "0" in front of your account number if using your United Bank check book. 

Next you will enter your name, address and additional personal information as requested. Once you complete this page, select "Submit." Your application for Online enrollment will be sent to our Deposit Operations team for verification. You may receive an email immediately prompting you to confirm your enrollment. At that point, your Online Banking is live. If there are any issues, you may receive an email or phone call within 24-48 hours asking for additional verificationinformation. 

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, but we plan to offer this feature in the near future.

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. 

My Transaction Categories are Missing, What Should I Do? 
You now have access to categorize transactions within My Finance Center where you can also set spending limits, set budgets, etc. We will no longer offer categories in the general transaction listing. We are also unable to offer check boxes to reconcile statements.

What is a Quick Transfer?
Under the Online Banking Tab within My View, you can establish Quick Transfers to make common transactions easier between accounts. You can view existing transfers and transfer history under the Transfer menu item as well. 

How Do I Create a Stop Payment?
View existing and create new Stop Payments under the Transactions Menu within the Online Banking tab. You will need to know the check date, check number, payee, and from which account the check was written. There is a $34.00 Stop Payment fee which will 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 Account Info Menu in the blue bar once you are in the loan or deposit account. You will see categories like interest accrued, interest paid, principal balance etc.

What Are Alerts?
You can set alerts for four categories: event, balance, item and personal. You can receive alerts on your My View Page, via email or via text. You can set alerts by navigating to the Settings Tab and the Alerts Menu. There you can establish thresholds for balances to trigger alerts, establish transaction events, watch for particular items etc. To add alerts, select "Edit Alerts" on the right side of each Alert section. 

To receive Alerts by email or text, you will need to enable Mobile and Text messaging under the Setting Tab and the Mobile Settings Menu. 

I Have a Blackberry and Cannot Get UB Mobile. What Do I Need to Do?
Blackberry and Windows Phone users have access to a unique mobile browser that provides mobile banking outside of a dedicated app. Visit www.unitedbankmobile.com to access your online banking on a Blackberry or Windows Phone. If you have trouble on your Blackberry, you may need to clear your cache. Find out how to do this at http://docs.blackberry.com/en/smartphone_users/deliverables/18577/Clear_browsing_information_60_1049446_11.jsp

UB Mobile

How Do I Find and Download UB Mobile?

In the Google Play or Apple App Store search "United Bank Atmore." Download the app for free. Once installed, you will log in with your same USER ID and PASSWORD you use for online banking. If you have not completed your online banking enrollment, you must do so first before accessing UB Mobile.

 

I Have a Blackberry and Cannot Get UB Mobile. What Do I Need to Do?
Blackberry and Windows Phone users have access to a unique mobile browser that provides mobile banking outside of a dedicated app. Visit www.unitedbankmobile.com to access your online banking on a Blackberry or Windows Phone. If you have trouble on your Blackberry, you may need to clear your cache. Find out how to do this at http://docs.blackberry.com/en/smartphone_users/deliverables/18577/Clear_browsing_information_60_1049446_11.jsp

 

What Are the New Features in UB Mobile?

We are proud to announce we've added the ability to suspend or freeze your debit card within UB Mobile via Card Manager. If you do not see Card Manager in your list of menu items, call 800-423-7026 and we will be happy to assist you. Along with Card Manager, we've added Pay a Person to your menu so you can pay individuals directly by knowing their email. If you were not a BillPay client before our online banking conversion, Pay a Person will be available in your app after Sept. 1. 

 

I Do Not See Card Manager in My Menu Options. What Do I Do? 

Please call us at 1-800-423-7026. We will be happy to assist you with this feature.

 

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. You can deposit up to $1,500.00 a day or $5,000.00 a month using Mobile Deposit.

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.

BillPay

Is There a Demo for BillPay I Can View?
Yes, United Bank has provided an overview for BillPay users to learn more about how to pay a bill or navigate within BillPay. Visit the following link to see a complete demonstration. 

https://www.billpaysite.com/V3/Tutorials/ShowDemo?demoTag=CG3&instID=41220

Why Are My Payments Now Being Sent by Check When Before They Were Sent Electronically?
When paying your bills through OLB-Bill Pay be sure to review whether the payment is being sent by check or electronically.  You will see a note of “check” or “electronic” under each payee. If you know that in the past the payment has been made electronically – and you want it to continue to be paid electronically – you need to resolve that issue before the payment is keyed to be paid.

  1. How did it get changed from being paid electronically in the past to be paid by check now?  When the payee was originally entered years ago you looked at a current bill and entered the info from that bill.  The BillPay system at that time searched the database and found a match and set up an electronic connection.  The payment was made electronically and the address never mattered again.  At some point over the years, the payment address changed.  During the conversion, the new system searched based on the payee name and the address provided and could not find a match so the payment method was determined to be “pay by check”. 

    The problem comes in when the payment is made by check and the address on file for that payee is really no longer correct and the payment gets sent to an invalid address and is either lost or returned.

  2. 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.

 

I Received an Alert About My Payment Being Outside My Normal Pattern. What Is This About?
When you attempt to pay a bill in an amount that is outside of your typical pattern, you will receive an alert and the system will ask for additional verification in the form of security answers you set up at login. For example, if you typically pay your power bill that averages $200 and you enter $2,000, the system will alert you and ask for verification. This is intended to prevent payment mistakes and adds an additional layer of security if someone were to access your online banking. 

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.

How Do I View My Bill History?
You can view your payment history by scrolling to the bottom of the payments page and selecting the "View History" link. You can then choose the necessary criteria and click the coordinating link form the past 60 or 90 days, or you may specify a payment history date range. From there, you can also Print by clicking the Print link next to the display area or View in Excel by clicking the coordinating link. In addition, you may also view any Pending Transactions which are scheduled to process by scrolling to the end of your payment history page and clicking the "View Pending Transactions" link. 

How Do I Add a New Payee? 
By selecting "Add a Payee" within BillPay. You will choose then whether you're adding an individual, company or bank. 

What is The WayiPay?
The WayiPay is a payment platform that allows customers to send money to individuals whether or not they have active BillPay with United Bank. It is intended for customers who ARE NOT BillPay clients but who would still like to have person-to-person payment capability. 

The WayiPay is a "widget" that resides inside Online Banking. It "lives" within the "MyView" page under the main online banking tab. To access The WayiPay users must add he widget to their MyView page. They will navigate to find the "Configure This Page" link near the top left. Once inside the page configuration settings, they will click to add TheWayiPay to their home page layout. It will show up in My View near the bottom left in a box, however clients can move their boxes around on their MyView page to set up the page how they wish.

To use The WayiPay, customers will simply need the recipient's email address. They will also create a unique "code word" similar to the person-to-person system and they will provide the code word to the recipient the first time they use it that lets the recipient establish their end of the payment connection.

The WayiPay will be available within UB Mobile after at least one payee is established within online banking. It will not show up in mobile if a user has not made at least one payment from their online version.

Any payees added through the WayiPay will populate in the BillPay payees for those clients who already have BillPay.

Fees to use The WayiPay will be $1 per transfer just like the Person-to-Person option in BillPay. 

Can I Still Use Expedited Payments? 
Yes, next business day delivery is available for $14.95 and two-day delivery is $9.95. This is helpful if you forget a payment and need to make one quickly. 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. 

My Finance Center

What is My Finance Center?

My Finance Center is a personal financial management tool that allows you to see multiple accounts and financial relationships in one place. Along with your United Bank accounts, you can import credit card accounts, prepaid cards, investment accounts and more as long as you know your user id and login information for those sites. My Finance Center will aggregate those accounts and help calculate cash flow, net worth etc. It's perfect for categorizing transactions and balancing accounts.

 

How Do I Add an Account?

Within My Finance Center, navigate to the "Accounts" menu. Once your Account Page loads, find the "Add Online Accounts" button near right side of the page. You can also add an "Offline Account" where you input the details yourself. This is helpful for adding insurance policies, etc that you may not monitor online.

 

Adding Your United Bank Credit Card in MyFinance Center

Credit Card holders who want the convenience of a single log-in to view credit card details within Online Banking can use MyFinanceCenter. By registering your card in MyFinanceCenter one time, you are able to see and categorize transactions as well as see balances, payment information and account history. You can then navigate to BillPay to make a payment. And, once your card is registered, you do not have to log in over and over. Plus, users can find MyFinance Center right inside OLB at the top tab lineup. It's easy and provides a comprehensive look at credit card account details without jumping from site to site.

 

When adding your card using the "Add Online Accounts" button, be sure to use "mycardtstatement.com" in the Financial Institution window pane and not "United Bank."

 

IMPORTANT: Depending on the accounts you're adding and the security features for those sites, you may be asked for additional security information beyond your User ID and Password. For example, if you are adding your United Bank credit card from www.mycardstatement.com then you will need to know the answers to your security questions you established when you enrolled your card there. You may need to contact technical support for those accounts if you do not remember your security questions and answers. 

 

What Else Can I Do with My Finance Center?

You have the capability to add a budget, manage cash flow, set goals for saving, and establish alerts when you've reached your goals, gone above or below a threshold or see a transaction from a certain merchant.

 

What is the "Can I Buy It?" Button?

It provides you with financial information to consider when you are looking to make a purchase or set a financial goal.

 

Why Can I Not See the My Finance Center Tab? 

Because My Finance Center is designed for personal banking, ACH/Cash Management clients will not have access to see My Finance Center. If you are an individual customer and do not see My Finance Center, call us at 1-800-423-7026.

 

On My Ipad, I See that I Have the Tab for My Finance Center, BUT It Does Not Appear When I Select the Tab.

My Finance Center requires FLASH which is not supported on IOS devices such as iPad and iPhone. 

 

Where Can I Find Help for My finance Center?

You can always call us at 1-800-423-7026 or you can navigate to the online help page.

 

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. 

 

What is The WayiPay?
​The WayiPay is a payment platform that allows customers to send money to individuals whether or not they have active BillPay with United Bank. It is intended for customers who ARE NOT BillPay clients but who would still like to have person-to-person payment capability. 

The WayiPay is a "widget" that resides inside Online Banking. It "lives" within the "MyView" page under the main online banking tab. To access The WayiPay users must add he widget to their MyView page. They will navigate to find the "Configure This Page" link near the top left. Once inside the page configuration settings, they will click to add TheWayiPay to their home page layout. It will show up in My View near the bottom left in a box, however clients can move their boxes around on their MyView page to set up the page how they wish.

To use The WayiPay, customers will simply need the recipient's email address. They will also create a unique "code word" similar to the person-to-person system and they will provide the code word to the recipient the first time they use it that lets the recipient establish their end of the payment connection.

The WayiPay will be available within UB Mobile after at least one payee is established within online banking. It will not show up in mobile if a user has not made at least one payment from their online version.

Any payees added through the WayiPay will populate in the BillPay payees for those clients who already have BillPay.

Fees to use The WayiPay will be $1 per transfer just like the Person-to-Person option in BillPay.

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. You can deposit up to $1,500.00 a day or $5,000.00 a month using Mobile Deposit.

 

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.

Credit Card FAQ

Adding Your United Bank Credit Card in MyFinance Center

Credit Card holders who want the convenience of a single log-in to view credit card details within Online Banking can use MyFinanceCenter within Online Banking. By registering your card in MyFinanceCenter one time, you are able to see and categorize transactions as well as see balances, payment information and account history. You can then navigate to BillPay to make a payment. And, once your card is registered, you do not have to log in over and over. Plus, users can find MyFinance Center right inside OLB at the top tab lineup. It's easy and provides a comprehensive look at credit card account details without jumping from site to site.

 

When adding your card using the "Add Online Accounts" button, be sure to use "mycardtstatement.com" in the Financial Institution window pane and not "United Bank."

 

How Do I Add an Account?

Within My Finance Center, navigate to the "Accounts" menu. Once your Account Page loads, find the "Add Online Accounts" button near right side of the page. 

 

IMPORTANT: Depending on the accounts you're adding and the security features for those sites, you may be asked for additional security information beyond your User ID and Password. For example, if you are adding your United Bank credit card from www.mycardstatement.com then you will need to know the answers to your security questions you established when you enrolled your card there. If you do not recall the answers to your questions, you can contact our credit card service center at 866-572-1637.

 

MyCardStatement.com Looks Different. Is it Safe? 
Yes, over the weekend of August 22, the site was updated to add a new look and feel. The same tools are still available. This is not a phishing or fraud site or duplicate site. 

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.

Quicken/QuickBooks

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. 

ACH/Cash Management

NOTICE: THE CUTOFF TIME TO HAVE ACH BATCHES SUBMITTED IS NOW 3:00 PM CST! 

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. 

I Am Having Trouble with My NACHA File
If you are importing a NACHA file and 
do not have the option to "Initiate," or it tells you your company ID is not valie, 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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