What is Online Banking?
Online Banking is an Internet based service giving you full service access to all your linked United Business Bank accounts in a completely secure environment, 24 hours a day, 7 days a week, at home or at your office. You can verify account balances, withdrawals, or deposits; transfer funds; place a stop payment; print statements and view loan information.
What do I need to use United Business Bank’s Online Banking Services?
An active checking, savings, money market or loan account with United Business Bank. An account with an Internet Service Provider. Internet Browser capable of 128-bit encryption. You will need either Internet Explorer 7.0 (or greater) from Microsoft Corporation, or Mozilla Firefox 3.0 (or greater).
How do I sign up for United Business Bank's Online Banking?
Very simple. Navigate through Online Banking to Enroll. Read though the Online Banking Agreement. If you agree, click the blue “Enroll” button. After you fill in the form click on the "I Agree" button. If your request is approved, we will contact you within 8 business hours with your PIN to allow you access to the site.
What if I need help with my Unitedbusinessbank.com Online Banking service?
As a Unitedbusinessbank.com customer, you can instantly access your accounts, conduct bill payments, transfer between accounts, and order/view statements, 7 days a week, 24 hours a day online. If you require further assistance, please contact us during normal banking hours or access our 'Contact Us' page to submit your questions.
What about security? Is the account information secure and confidential?
We are committed to providing you with a safe and secure system. We encrypt all data transmissions back and forth between your computer and our data center. Encryption is the scrambling of information so a third party cannot read it. Your messages to us are not decrypted until they are inside our firewall. Please read our Security Statement for further information. Our security system works only if you protect your accounts. You must maintain the secrecy of your password. Do not reveal your password to anyone. Do not leave your computer unattended during a session if you are in an environment where someone can gain access. Sign off when you are finished with the session.
To enhance security and ease the verification process, we have enabled a permanent cookie for online banking. This cookie is a file on your computer that helps in identifying you and your computer. The cookie will be from www2.netteller.com.
You are not required to accept this cookie and should only accept it on the computer that you regularly use for online banking.
How can I tell if my connection is secure?
If you are using a Microsoft browser, there will be a small icon in the lower right hand corner of the browser shaped like a locked padlock. With a Mozilla browser, the icon is shaped like a key. Also, the address of the web page will start with “https://” instead of “http://”. The additional “s” in the address indicates a secure site.
What are the recommended internal security procedures?
United Business Bank requires the use of a User Identification number and a password to access the Online Banking Service. To deter unauthorized log in attempts, the system will lock the user out after three unsuccessful tries. We have taken precautions to offer you an Online Banking system that is protected, however, it is your responsibility to keep your online password, User Identification number, account numbers, and personal identification information confidential.
What if I forget my password?
If you’ve enabled the Password Self-Reset feature in Online Banking, you can reset your own password by selecting "Forgot Your Password?" on the login page. Otherwise, please contact your local branch for assistance in reactivating your account.
We recommend enabling the Password Self-Reset feature if you have not done so already. Once logged in to Online Banking, please select "Options" then "Personal" to create a Password Self-Reset Question and Answer. This question and answer is separate from the security challenge questions and answers and is only used when resetting your password.
Please contact your company administrator or your local branch for assistance in reactivating your account.
Can I transfer funds to another institution?
Yes, through United Business Bank’s eBusiness online banking system, funds can be transferred to other financial institutions through the Automated Clearing House System (ACH). ACH is an ideal tool for businesses that want to provide direct-deposit for their payrolls. Account entries are entered by the businesses with the sender and recipient information being saved for use on subsequent account entries.
What is an ACH transaction?
An ACH transaction is used to send or receive funds from your account to other financial institutions. A batch template is made to generate postings requested by the businesses. The batch is then scheduled and initiated by the business. After the business initiates a batch, the batch is sent to the automated clearinghouse for processing. To ensure your batch is processed today, you must have your batch sent to the bank by 12 noon (PST).
Can I download information to Quicken, Quickbooks, or Microsoft Money?
You can download transactions as a QIF file into Quicken or Quickbooks. Microsoft Money will continue to be supported for existing Online banking users until January 2011.To import your United Business Bank transactions to Quicken®,
First download your transactions
Second, import your transactions to Quicken®