United Central Bank

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Online Banking FAQs

Online Banking allows our customers secure and convenient access to their accounts using the Internet anytime of the day, any day of the year. Some of the functions available with Online Banking are:

Access and print information on all accounts including loans. Review and print transactions and history.
Confirm deposits, withdrawals and cleared checks.
Transfer funds between accounts and make loan payments.
Pay bills automatically (optional)

How can I sign up for Online Banking?

Print out and fill in the application on our forms page and take it to your local branch.

What happens if I don't log off of the system?

Online Banking has a time-out feature. If you are logged in and idle for 10 consecutive minutes, you will have to log in again to resume banking.

What happens if I forget my Online Banking password?

If you forget your password, you can use the “Reset Password” function found on our home page if you have provided an email address. Otherwise, you can have your password reset by calling the bank and asking for Customer Service to assist you at (800) 787-0755 during regular business hours (Monday through Friday 9:00 am - 5:00 pm CST).

What should I do if I think someone has my login information?

Contact the bank at (800) 787-0755 during regular business hours (Monday through Friday 9:00 am - 5:00 pm CST) and ask for Customer Service. You will need your Online Banking ID for prompt assistance. We will lock and reset your account and provide you with a new Login ID and password.

How much does Online Banking cost?

Access to Online Banking is FREE!

How much transaction history can I see Online?

You are able to access up to 60 days of transaction history as well as 12 months of previous statements. The statement history file will begin to build from the date that you sign up for Online Banking.

What if I get an error message?

If you get an error message, please make a note of the message, the error number and the time. Contact the bank through the secure messaging system or call and ask for a Customer Support Representative to assist you at (800) 787-0755 and we will make every effort to resolve the issue as soon as possible.

Who do I contact if I have a question or problem with Online Banking?

If you are having problems with Online Banking you may use the secure messaging system to send a message to an Online Banking Specialist. If you would rather talk to a Customer Support Representative right away, contact the bank at (800) 787-0755 during regular business hours (Monday through Friday 9:00 am - 5:00 pm CST).

Bill Pay FAQs

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Who can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next-door neighbor, to the utility company or a bank. Funds paid by EFT will be received within 2 business days. Where EFT is not available, allow 7 days for payment receipt.

How do I add the optional Bill Pay service if I did not select it when I applied for Online Banking?

You can apply for Bill Pay by completing an online application. You must be an authorized signer on the account. Currently, online enrollment is available only to personal account holders.

Are there any merchants that I cannot pay through the bill payment service?

Yes. You cannot pay child support or any government agency, such as the I.R.S.

When will the money be taken out of my account?

The money will be withdrawn out of your account approximately two business days after the payment date you have set.

What if I do not have enough money in my account?

Your bank will treat bill payment items just like any other check that you write. Should the item be returned, a hold may be placed on your bill payment service.

Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

How long is history retained in the VIEW PAYMENT HISTORY section?

Payment History records are kept online for 60 days.

What happens if I lose or forget my ID or PIN?

If you lose/forget your ID or Pin, you may call Customer Service and with proper verification, your ID or a temporary Pin will be given to you.

When and how are the payments processed?

Scheduled payments are processed Sunday through Friday at 11:00 pm Central Time. On Sunday through Thursday, all payments scheduled for the current day, any previous day and the next business day will be processed. On Friday any payments for the current day, any previous day, and any for the next two days will be processed. The payments processed on Friday night will cover any payments that were scheduled and happened to fall on a weekend date. Payments processed on Sunday will catch any new payments that may have been scheduled over the weekend.

Payments are not processed the night before a holiday; instead they will be processed the night of the holiday. An example of this would be Thanksgiving; payments would not be processed Wednesday night but would be processed Thursday night.

If the payment is by check, the check will be mailed the following morning and you should consider adjusting the payment date account for the 7 day lag that may occur.

The electronic payments will also go out the morning after a payment is processed. Since electronic payments are processed through the Federal Reserve, we can’t guarantee when the payments will be deducted from your account. Normally this process takes two days.

How far in advance should I set up a payment to insure it is paid on time?

Check payments should be scheduled 5 business days in advance of when you want the payment to actually be posted at the payee.

Electronic payments should be made 3 business days in advance of when you want the payment to be posted at the payee.

*NOTE – You may want to set up a payment to yourself so you can see how the system works.

Are there minimum and maximum payment amounts?

Yes, the minimum amount you may make a payment for is $0.01. The maximum amount is $9,999.99.

How late in the day can I enter, edit, or delete a payment?

You may enter, edit, or delete payments scheduled Monday through Saturday up until 10:00pm CST the day before the scheduled payment date you set.

Can I stop an executed online bill payment?

No. See above.

Can I postdate a single payment?

Yes, just set the payment date for any date in the future. Single payments are set up into two categories: current and future payments, which allow the user to schedule payments in the future or for the current date.

Can I setup recurring payments?

If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th the first payment will occur on December 15th.

What does the “status” field indicate on the PAYMENT HISTORY PAGE?

Status Value	Definition
Payment Pending	The payment has been processed, but not yet sent
Payment Processed	The payment has been processed and sent
Hold	The payment has a research request on it and has not been processed
Cancelled	You have requested the payment to be stopped. It cannot be processed again.

What payment frequencies are available?

You can set up payments in any of the following frequencies:

One-Time
Weekly
Bi-weekly
Semi-monthly
Monthly
Quarterly
Semi-annually
Annually

How many payees may I have set up?

There is no limit to the amount of payees you can set up through the Internet.

Can I have multiple payments to the same payee on the same day?

You can make multiple payments to the same payee as long as the payment amounts are different.

For your protection, the system will not pay duplicate items in the same day.

Can I edit payee addresses?

No. You will have to set up a new payee with the correct address and delete the old one. But, deleting the old payee will remove the history of that payee. You can leave the old payee listed to retain your history of that payee.

How do I know if a payee is electronic or check?

Once you have set up the payee/merchant, then you can look at the VIEW PAYEES screen and you will see a field that will tell you if the payee is electronic or check.

Will the memo field that I fill out when setting up a payment be passed on to the payee?

Yes. Your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off.

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