What is Online Banking?
United Community Bank's Online Banking allows you to use a personal computer with Internet access to manage your bank accounts. This service enables you to:
- Transfer funds between your accounts
- Obtain balance information
- Review transactions on your accounts
- View images of your checks
- Make loan payments
- View 24 months of statements
- Export your statement information into a personal financial management software
- Pay bills using Bill Payment
- Pay people using Popmoney®
- Order checks
What is Mobile Banking?
Mobile Banking allows you to access Online Banking via a mobile device. You can access Mobile Banking on a mobile device with Short Message Service (SMS), a Mobile Web Browser or the UCB Mobile Banking App in conjunction with a text or data plan. Message and data rates may apply.
What is Mobile Deposit?
Mobile Deposit allows you to make deposits into your United Community Bank checking, savings and money market accounts with your web-enabled phone or tablet with a camera using the UCB Mobile Banking App. United Community Bank Mobile Deposit fee is $0.50 per deposit. Message and data rates may apply.
What is Bill Payment?
Our Bill Payment service offered through Online Banking allows you to set up payments to just about anyone. You tell us the person or company you want to make a payment to, and we will withdraw the money from your account and send the payment to the payee. You may schedule one-time or recurring payments. The Bill Payment Service may apply fees for certain Bill Payments.
What is Popmoney®?
You can use Popmoney® to send and receive money to and from others directly from your bank account. The Popmoney® Service has a $0.50 per transfer fee for Popmoney® transactions.
How much does Online Banking, Mobile Banking*, Mobile Deposit*, Bill Payment and Popmoney® services cost?
- United Community Bank Online Banking, Mobile Banking* and Bill Payment have no fee.
- United Community Bank Mobile Deposit* fee is $0.50 per deposit.
- The Bill Payment Service may apply fees for certain Bill Payments.
- The Popmoney® Service has a $0.50 per transfer fee for Popmoney® transactions.
*Message and data rates may apply.
When can I use Online Banking and Mobile Banking?
You may log into Online Banking and Mobile Banking any time, 24-hours a day, seven days a week.
How do I sign up for Online Banking?
Existing bank customers may click on Enrollment, read and accept the Online Banking Agreement and Disclosure, and complete the requested information to enroll. This information includes your Social Security Number, your primary account number and account type, a security question and security answer, and an email address. (Security question and security answer are for security and identification purposes for future inquires from you.) An example of a security question and answer would be: What is your pet's name? Answer: Spot. You may choose any question and answer you wish for your personal security, but you will want to avoid using information that is easy to guess. Once entered, your information will be securely transmitted to our bank. When received, we will issue to you within five business days an initial Access ID and Password, sent in two separate mailings by U.S. Mail.
Once you receive your Access ID and Password, you may go to our website at www.unitedcommunitybank.com and log in. You will be prompted immediately to change your Access ID and Password. You must change your Access ID and Password at this time, and you will continue to use your chosen Access ID and Password for future logins. We will require you to change your Password every 12 months.
How do I sign up for Mobile Banking?
Log into Online Banking and select the Options tab. Scroll down to the Mobile Banking section and select Enroll Now. Select the mobile services you want to enroll in. You may also download the UCB Mobile Banking App.
How do I sign up for Bill Payment?
Once you have logged into Online Banking, select the checking account you would like to enroll for Bill Payment. Click on the “Bill Payment” button, read and accept the Bill Payment Terms and Conditions, and complete the requested information to enroll.
What are the requirements for the Access ID and Password?
Your Access ID must be a minimum of 6 characters long and is case sensitive. Your Password must be a minimum of 10 characters and a maximum of 17 characters and is case sensitive. It must have at least 2 numeric characters, 2 alpha characters and 1 special character including ! @ # $ % ^ & * ( ). You will want to avoid using words or numbers that are easy to guess such as names or birthdays, etc.
How do I change my Password?
To change your Password at any time, click on the “Options” button when logged into Online Banking.
What if I forget my Access ID or Password?
For security reasons, no Password list is maintained. Please call the bank to request new Access ID and Password procedures. Selecting the "Forgot your password?" link on the Online Banking password screen will also allow you to reset your password.
What can I do to help protect my privacy and security?
You should keep your personal Access ID and Password confidential. Do not share them with anyone. Avoid using Access IDs and Passwords that are names or numbers that are easy to guess. Always log off Online Banking or Mobile Banking before walking away from your computer or mobile device, even if you are only walking away for a short time. If you believe that an unauthorized user has gained your Access ID and Password, you must notify our bank immediately.
When logged into Online Banking or Mobile Banking, how do I exit properly?
To exit Online Banking or Mobile Banking, click on the Log Off button.
Is Online Banking and Mobile Banking secure?
Online Banking and Mobile Banking are safe and secure ways to conduct your banking transactions. Online Banking and Mobile Banking use industry standard technology to maintain the privacy and security of your personal information and banking transactions. This technology includes Access ID and Password controlled entry into the secure Internet banking site, Secure Sockets Layer (SSL) protocol and 128-bit data encryption. Firewalls are also in place for security in the transmission of your data.
UCB uses many technologies to ensure your personal information is kept confidential. It is crucial that you understand the importance of computer security at home. With computer security, you are only as secure as your weakest link. There are several basic steps to help keep home computers secure.
- Run Anti-Virus software and keep anti-virus definitions current. Most software packages allow for an automatic update.
- Run "Windows Update" to keep your system current with the latest security patches.
- Use care when reading email with attachments.
For more information on home computer security, please reference the following websites:
Who do I contact if I need help or have questions?
You may call our bank at 712-338-2781 or toll-free at 1-888-338-2781 during banking hours. A customer service representative will be happy to answer your questions or assist you. You may also email our bank at any time at firstname.lastname@example.org.