FAQ

What is Internet Banking?
What Can I Do With Internet Banking?
How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?
How Much Does Internet Banking Cost?
Is Internet Banking Private and Secure?
What Is Data Encryption?
What Is A Firewall?
What Can I Do To Protect Myself?
What Equipment Do I Need?
What is my Password?
What is my Access ID?
How Are Joint Accounts and 'Two Signatures Required' Accounts Managed?
Can I Access Internet Banking Through My Current Internet Service?
Who Do I Contact If I Have Problems, Questions Or Forget My Access ID Or Password?
How Do I Get Started?
How Do I Enroll Online?
Why do some pending transactions made with a Check Card register for a different amount than the actual?


1. What is Internet Banking?
United Bank Internet Banking is a convenient way to access your accounts without going to the Bank. United Bank is available to you from your home or office - 24 hours a day, 7 days a week just by using your personal computer.

2. What Can I Do With Internet Banking?
You can access your checking, savings, debit cards, line of credit, certificate of deposits, or loans to verify balances, *transfer money between accounts, order checks and reconcile your accounts.

*Some restrictions apply to transfers (ask our Financial Services Representative for clarification).

3. How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?
United Bank uses 'Real Time Access' for your balance information. This means that the balance you see at home is exactly what the balance shows at the bank. If you make a deposit or cash a check or even use your Debit card, you will be able to see that transaction online immediately.

4. How Much Does Internet Banking Cost?
The service is free for our customers.

5. Is Internet Banking Private and Secure?
Yes it is. United Bank has incorporated state-of-the-art security into its Internet Banking to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.

6. What Is Data Encryption?
128-bit electronic data encryption provides privacy for the data flowing between your computer and the bank’s online server.

7. What Is A Firewall?
 Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of United Bank. We use several layers of technology to ensure that your Internet transactions are secure and tamper-proof.

8. What Can I Do To Protect Myself?
Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.

Other security tips:

  • Keep your web browser software up-to-date to take advantage of the latest security enhancements.
  • Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
  • Please be careful where you choose to do your Internet Banking and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
  • If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
  • DO NOT share diskettes that contain confidential information even if you think you have erased the information.
  • It is a good idea to shred printouts of your account information before discarding them.

9. What Equipment Do I Need?
For PC Banking you will need an IBM-compatible personal computer, running Windows version 3.1 or later, and a compatible modem. Your browser must support 128-bit encryption. To access Internet Banking you need Internet access and a browser with a version of 5.5 or higher.

10. What is my Password?
You received an initial password for your first-time login and then were prompted to select a new password. Your password can contain both letters and numbers but must exceed six characters in length. It cannot exceed 17 characters. Your password is also case sensitive which means that upper and lower case characters must be typed exactly as they appear.

11. What is my Access ID?
You were assigned an original Access ID and prompted to change it upon your first logon into e-banking. If you don't remember your access ID, please contact any United Bank N.A. location for assistance.

12. How Are Joint Accounts and 'Two Signatures Required' Accounts Managed?
Passwords are unique to each user accessing 'ONLINE' Internet Banking. For joint accounts, each signer on the account is assigned a unique Access ID and Password and is responsible for the confidentiality of their individual Access ID and Password. Access ID's and Passwords must never be compromised or shared with any other person or signer on an account.

Accounts requiring two signatures are currently not allowed access to Internet Banking.

13. Can I Access Internet Banking Through My Current Internet Service?
 Yes. The browsers that United Bank requires work with most Internet service providers.

14. Who Do I Contact If I Have Problems, Questions Or Forget My Access ID Or Password?
You can contact any of our United Bank branches or call us at 406.328.4742.

15. How Do I Get Started?
If you have an account with United Bank, you will need to fill out an enrollment form. This can be done either online (see next section); by printing, completing and returning an enrollment form to one of our offices; or by visiting one of our offices and completing the enrollment process. You will be issued a temporary Access ID and Password separately in the mail after completing the enrollment form.

After receiving your temporary Access ID and temporary Password you will need to go to our web site (www.ubsmt.com), click on the "Internet Banking" button. You will then need to click on the "Log On" button. Enter your temporary Access ID and Password (UPPER CASE). You will be required to change your Access ID and Password. Your new Access ID must be at least 6 characters long. Your new password must be at least 6 characters long and may contain either numbers or letters.

16. How Do I Enroll Online?
Click on this link to begin the process. Click on this link to begin the process. Click on this link to begin the process. You will be presented with a 'Welcome' page. Please follow the instructions on that page to complete your application. Please omit dashes when entering your social security and account number. (Note: You will be required to view and agree to the Online Internet Banking and Service Agreement and Disclosure Statement before you are allowed to continue on to the Enrollment form). Online enrollment customers will receive their temporary Access ID and Password via mail within 7 to 10 business days. The Access ID and Password will arrive in separate envelopes and on different days. You will be prompted to change both your access ID and password upon your initial login to e-banking.

17. Why do some pending transactions made with a Check Card register for a different amount than the actual?
Pending transactions are transactions that are presented to the Bank during the current business day or after the processing cut-off time for the previous business day (which varies between 2:00 PM and 4:00PM). Pending transactions may include a variety of items including, direct deposits, ACH items, ATM transactions, and check card transactions. When these items are presented to the Bank they are "memo" posted to your account. The transactions will permanently post to your account, generally, in 1 - 3 days depending on the item. When the amount is "memo" posted to your account, your account balance reflects these items. Your account will be increased by any deposit transaction and decreased by any withdrawal. Some transactions may cause a little confusion as to the way they are posted; check card transactions in particular. There are several instances where a check card transaction may "memo" post for an amount that is different than the actual purchase price. The authorization process used by the merchant determines the amount that "memo" posts to your account. The following is a detailed description of authorization practices in six major categories.

Restaurants
When you receive the bill and present the Visa check card for payment, the tip amount has yet to be indicated. The waiter or cashier obtains authorization for an amount that adds an estimated tip (usually 20%) to the base bill.

After authorization, the waiter presents the purchase slip for signature. At this point, you add a tip and total the bill. This final total may be for more or less than the estimated amount for which the restaurant obtained the authorization. The estimated total could stay on the system for 1 - 3 days until the clearing item for the amount actually charged reaches the Issuer.

You may become aware of the difference between the authorized amount and the actual amount through a VRU, ATM inquiry or Internet Banking inquiry.

Gas Stations
When you present your check card at a gas pump, the actual amount of gas you are purchasing is not available. In order for the system to provide an authorization an amount must be present. Since the amount of the purchase is not known until the gas has been pumped an amount determined by the gas station is transmitted. The amount can vary and may be as high as $100. In most cases the gas station will send an authorization for $1.00. The estimated total could stay on the system for 1 - 3 days until the clearing item for the amount actually charged reaches the Issuer. You may become aware of the difference between the authorized amount and the actual amount through a VRU, ATM inquiry or Internet Banking inquiry.

Hotels
When you present a Visa check card at registration, the clerk or cashier requests an authorization for an amount based your expected length of stay. An additional amount may be added to the room rate to cover other guest services, such as movies or parking. Many are not aware of the exact amount authorized or that your financial institution may place hold for that amount.

If you check out early, stay an extra night, or use more hotel services than estimated, the actual transaction amount (incoming clearing item) could differ significantly from the authorization memo posted amount. In some cases, the authorization memo posted amount could limit your purchasing power or funds availability.

You may become aware of the difference between the authorized amount and the actual amount through a VRU, ATM inquiry or Internet Banking inquiry.

Telephone Order and Online Retailers
You provide the order information, then the retailer adds any applicable tax and shipping and computes the total amount. You provide the Visa check card number, expiration date, and billing address.

The billing address for a Visa check card is the statement address for the linked checking account. Merchants are required to ask for a billing address. The authorization process for a telephone or online order requires that your financial institution approve both the dollar availability and the billing address. If the billing address given to the merchant is not the same as the one shown on your statement, the transaction may be denied, even if funds are available in your account. The request for authorization from your financial institution is rarely made when you are on the telephone or online. Since the authorization process is usually done after you have completed the telephone call or signed off the Web site, the purchases can be denied at authorization for a number of reasons including daily limits, funds availability, a hold on a recent deposit, or a billing address mismatch.

If you have recently moved you may give a correct, but new, billing address that will not match your institution's records. It's also easy if you receive your statement at the office, a P.O. Box, or other non-home location to misunderstand the request for billing address and provide a home or "ship to" address. This triggers a mismatched address denial.

Airlines
Airline authorizations can cause concerns in a number of ways. The ticketing agent adds up the amount of all tickets being purchased by a customer and requests authorization for the total. However, because airline accounting and tracking is based on individual tickets, your check card statement will show prices for individual tickets, not the total amount. Fees for changing a ticket will also be shown separately on the statement. Seeing a number of individual purchases for the same amount from the same airline can be confusing.

Store Retailer
After you decide on the item(s) to purchase, the merchant adds the tax amount and requests authorization for the total amount. Once authorized, you sign the slip, and the transaction is completed. The authorization memo item and the clearing item are for the same amount.This type of transaction is a convenient and simple replacement for cash or a check, for both you and the merchant.

If you have any other questions that we have not answered here, please contact us at info@ubsmt.com

End of Banking and Service Agreement and Disclosure Statement go to:

Banking and Service Agreement and Disclosure Statement

Financial Privacy Information

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