online banking user guide - union bank · review the online banking services agreement on the...
TRANSCRIPT
Online Banking User Guide
UBLOCALCOM 8888790008
i
Published by Murphy amp Company Inc 13610 Barrett Office Dr St Louis MO 63021 wwwmcompanycom
copy 2009-2018 Murphy amp Company Inc Microsoft Microsoft Money Windows and Internet Explorer are registered trademarks of Microsoft Corporation Firefox is a registered trademark of the Mozilla Foundation Quicken is a registered trademark of Intuit Inc Macintosh is a registered trademark of Apple Computer Inc Adobe Reader is a registered trademark of Adobe Systems Inc copy 2012 Portions of this guide were written by Q2eBanking
Disclaimer Concepts strategies and procedures outlined in this guide can and do change and may not be applicable to all readers The content in this guide is not warranted to offer a particular result or benefit Neither the author publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide including but not limited to loss of profit commercial special incidental or other damages For complete product and service information please refer to the terms conditions and disclosures for each product and service
ii
Table of ContentsTable of Contents Getting Started 1
First Time Logging In 2 Logging Off 4
Second Time Logging In 5 Resetting A Forgotten Password7 New User Enrollment 9
Home Page Home Page Overview 10
Account and Debt Summary Overview 12 Account Details Overview 13 Quick Transfer15 Account Grouping16
Editing a Group Name17 Deleting a Group17
Security Protecting Your Information18
General Guidelines 18 Username and Password18 Fraud Prevention 18
Security Preferences19 Change Password 19 Change Username 20 Secure Delivery 21
Mobile Security Preferences22 Enabling Touch ID or Fingerprint Login 22 Enabling Passcode Authentication 24 Disabling Passcode Authentication Touch ID or Fingerprint Login 25
Alerts Overview 26 Date Alerts 27 Account Alerts 28 History Alerts29 Online Transaction Alerts 30
Security Alerts Overview 31 Edit Delivery Preferences31
Secure Message Overview 32 Sending a Secure Message 33
Transaction Types Transfer Funds Overview34
iii
Transactions Transfer Funds 36 Transfer to Union Bank Customers 38
Linking Someonersquos Union Bank Account38 Single Transfers Between Union Bank Accounts 39
Adding A Personal External Account 40 Verifying A Personal External Account 41 Activity Center Overview 42
Using Filters 43 Creating or Deleting Custom Views Using Favorites 43 Canceling Transactions 44
Quick Bill Pay Bill Pay Overview 45
Creating a Payee 45 Editing a ldquoPay Fromrdquo Accounts 47 Deleting a Payee 48
Making a Single Payment49 Paying Multiple Bills50 Payment Activity51
Expanded Bill Pay Payments Overview52 Create a Payee54 Schedule Payments 56 Recurring Payments 57 Edit or Cancel Payments 58 Rush Delivery60 eBills 62 Categories63
Services Stop Payment Request64 Reordering Checks67 eStatements 68 Personal Financial Management (PFM)69
Settings Account Preferences 70 Text Enrollment71 Address Change Request73
Locations Branches and ATMs74
1
Getting Started
Welcome to Union Bankrsquos Online and Mobile Banking services Whether at home or at the office from a mobile phone tablet or laptop we strive to make your online banking experience easy and convenient
You can navigate this guide by clicking a topic or feature in the Table of Contents Each section provides an overview and steps to help you during the online banking process If you have additional questions contact us at 8888790008
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
i
Published by Murphy amp Company Inc 13610 Barrett Office Dr St Louis MO 63021 wwwmcompanycom
copy 2009-2018 Murphy amp Company Inc Microsoft Microsoft Money Windows and Internet Explorer are registered trademarks of Microsoft Corporation Firefox is a registered trademark of the Mozilla Foundation Quicken is a registered trademark of Intuit Inc Macintosh is a registered trademark of Apple Computer Inc Adobe Reader is a registered trademark of Adobe Systems Inc copy 2012 Portions of this guide were written by Q2eBanking
Disclaimer Concepts strategies and procedures outlined in this guide can and do change and may not be applicable to all readers The content in this guide is not warranted to offer a particular result or benefit Neither the author publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide including but not limited to loss of profit commercial special incidental or other damages For complete product and service information please refer to the terms conditions and disclosures for each product and service
ii
Table of ContentsTable of Contents Getting Started 1
First Time Logging In 2 Logging Off 4
Second Time Logging In 5 Resetting A Forgotten Password7 New User Enrollment 9
Home Page Home Page Overview 10
Account and Debt Summary Overview 12 Account Details Overview 13 Quick Transfer15 Account Grouping16
Editing a Group Name17 Deleting a Group17
Security Protecting Your Information18
General Guidelines 18 Username and Password18 Fraud Prevention 18
Security Preferences19 Change Password 19 Change Username 20 Secure Delivery 21
Mobile Security Preferences22 Enabling Touch ID or Fingerprint Login 22 Enabling Passcode Authentication 24 Disabling Passcode Authentication Touch ID or Fingerprint Login 25
Alerts Overview 26 Date Alerts 27 Account Alerts 28 History Alerts29 Online Transaction Alerts 30
Security Alerts Overview 31 Edit Delivery Preferences31
Secure Message Overview 32 Sending a Secure Message 33
Transaction Types Transfer Funds Overview34
iii
Transactions Transfer Funds 36 Transfer to Union Bank Customers 38
Linking Someonersquos Union Bank Account38 Single Transfers Between Union Bank Accounts 39
Adding A Personal External Account 40 Verifying A Personal External Account 41 Activity Center Overview 42
Using Filters 43 Creating or Deleting Custom Views Using Favorites 43 Canceling Transactions 44
Quick Bill Pay Bill Pay Overview 45
Creating a Payee 45 Editing a ldquoPay Fromrdquo Accounts 47 Deleting a Payee 48
Making a Single Payment49 Paying Multiple Bills50 Payment Activity51
Expanded Bill Pay Payments Overview52 Create a Payee54 Schedule Payments 56 Recurring Payments 57 Edit or Cancel Payments 58 Rush Delivery60 eBills 62 Categories63
Services Stop Payment Request64 Reordering Checks67 eStatements 68 Personal Financial Management (PFM)69
Settings Account Preferences 70 Text Enrollment71 Address Change Request73
Locations Branches and ATMs74
1
Getting Started
Welcome to Union Bankrsquos Online and Mobile Banking services Whether at home or at the office from a mobile phone tablet or laptop we strive to make your online banking experience easy and convenient
You can navigate this guide by clicking a topic or feature in the Table of Contents Each section provides an overview and steps to help you during the online banking process If you have additional questions contact us at 8888790008
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
ii
Table of ContentsTable of Contents Getting Started 1
First Time Logging In 2 Logging Off 4
Second Time Logging In 5 Resetting A Forgotten Password7 New User Enrollment 9
Home Page Home Page Overview 10
Account and Debt Summary Overview 12 Account Details Overview 13 Quick Transfer15 Account Grouping16
Editing a Group Name17 Deleting a Group17
Security Protecting Your Information18
General Guidelines 18 Username and Password18 Fraud Prevention 18
Security Preferences19 Change Password 19 Change Username 20 Secure Delivery 21
Mobile Security Preferences22 Enabling Touch ID or Fingerprint Login 22 Enabling Passcode Authentication 24 Disabling Passcode Authentication Touch ID or Fingerprint Login 25
Alerts Overview 26 Date Alerts 27 Account Alerts 28 History Alerts29 Online Transaction Alerts 30
Security Alerts Overview 31 Edit Delivery Preferences31
Secure Message Overview 32 Sending a Secure Message 33
Transaction Types Transfer Funds Overview34
iii
Transactions Transfer Funds 36 Transfer to Union Bank Customers 38
Linking Someonersquos Union Bank Account38 Single Transfers Between Union Bank Accounts 39
Adding A Personal External Account 40 Verifying A Personal External Account 41 Activity Center Overview 42
Using Filters 43 Creating or Deleting Custom Views Using Favorites 43 Canceling Transactions 44
Quick Bill Pay Bill Pay Overview 45
Creating a Payee 45 Editing a ldquoPay Fromrdquo Accounts 47 Deleting a Payee 48
Making a Single Payment49 Paying Multiple Bills50 Payment Activity51
Expanded Bill Pay Payments Overview52 Create a Payee54 Schedule Payments 56 Recurring Payments 57 Edit or Cancel Payments 58 Rush Delivery60 eBills 62 Categories63
Services Stop Payment Request64 Reordering Checks67 eStatements 68 Personal Financial Management (PFM)69
Settings Account Preferences 70 Text Enrollment71 Address Change Request73
Locations Branches and ATMs74
1
Getting Started
Welcome to Union Bankrsquos Online and Mobile Banking services Whether at home or at the office from a mobile phone tablet or laptop we strive to make your online banking experience easy and convenient
You can navigate this guide by clicking a topic or feature in the Table of Contents Each section provides an overview and steps to help you during the online banking process If you have additional questions contact us at 8888790008
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
iii
Transactions Transfer Funds 36 Transfer to Union Bank Customers 38
Linking Someonersquos Union Bank Account38 Single Transfers Between Union Bank Accounts 39
Adding A Personal External Account 40 Verifying A Personal External Account 41 Activity Center Overview 42
Using Filters 43 Creating or Deleting Custom Views Using Favorites 43 Canceling Transactions 44
Quick Bill Pay Bill Pay Overview 45
Creating a Payee 45 Editing a ldquoPay Fromrdquo Accounts 47 Deleting a Payee 48
Making a Single Payment49 Paying Multiple Bills50 Payment Activity51
Expanded Bill Pay Payments Overview52 Create a Payee54 Schedule Payments 56 Recurring Payments 57 Edit or Cancel Payments 58 Rush Delivery60 eBills 62 Categories63
Services Stop Payment Request64 Reordering Checks67 eStatements 68 Personal Financial Management (PFM)69
Settings Account Preferences 70 Text Enrollment71 Address Change Request73
Locations Branches and ATMs74
1
Getting Started
Welcome to Union Bankrsquos Online and Mobile Banking services Whether at home or at the office from a mobile phone tablet or laptop we strive to make your online banking experience easy and convenient
You can navigate this guide by clicking a topic or feature in the Table of Contents Each section provides an overview and steps to help you during the online banking process If you have additional questions contact us at 8888790008
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
1
Getting Started
Welcome to Union Bankrsquos Online and Mobile Banking services Whether at home or at the office from a mobile phone tablet or laptop we strive to make your online banking experience easy and convenient
You can navigate this guide by clicking a topic or feature in the Table of Contents Each section provides an overview and steps to help you during the online banking process If you have additional questions contact us at 8888790008
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
2
Getting Started First Time Logging In
Existing Union Bank online banking users may login to the new online banking system from our homepage
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started First Time Logging In
NoteenspIf you do not have access to any of these telephone numbers or email addresses please contact our Customer Care Team at 8888790008 for assistance
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
3
6
6 Enter the SAC and click the Submit button
NoteenspYou will receive a Secure Access Code via one of the following depending on your selection
bull Email Will come from Notificationsunionbankvtcom and have a Subject line of Secure Banking Requested Information
bull Text Will come from 86434 and will be identified as Union Bank in the text message
bull Call Will come from telephone number 8007534343 and will announce the call is coming from Union Bank
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
7
7 Create a new password based on our password requirements and click the Submit button when you are finished You may use your existing (current) online banking password as long as it meets the password policy However for enhanced security now may be a good time to change your password
Getting Started First Time Logging In
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
4
8
8 Please read and accept the new online banking user agreement You will then be brought to your Home Page with your Accounts
Logging Off For your security you should always log off when you finish your online banking session We may also log you off due to inactivity
1 Click the Log Off tab in the navigation menu
2 Close your internet browser tab
Getting Started First Time Logging In
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
5
Getting Started Second Time Logging In
If this is a personal device (computer) that is owned by you and you donrsquot need the security of having to enter a Secure Access Code each time you login to online banking you may select to Register the Device For security purposes if you are using a public computer (eg at a library coffee shop PC at a kiosk) do not register your device
1
3
4
2
1 Enter your Username
2 Click the Login button
3 Enter your password
4 Click the Submit button
5
5 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Second Time Logging In
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
6
6
7
6 Enter the SAC and click the Submit button
7 Click the Register Device button
NoteenspOnce your device is registered you will not need to receive a Secure Access Code each time you login to online banking You will be taken to your home page with Accounts after entering your password
Getting Started Second Time Logging In
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
7
Getting Started Resetting A Forgotten Password
If you happen to forget your password you can easily reestablish a new one from the Union Bank Login pagemdashno need to call us
1
2
3
1 Click theldquoForgot Passwordrdquo link
2 Enter your Username and click the Submit button
3 Choose the contact method that allows Union Bank to reach you immediately with a 6-digit Secure Access Code (SAC)
Getting Started Resetting A Forgotten Password
NoteenspYou may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
8
4
Password must be at least 8 characters long
Password can be no more than 25 characters long
Password must contain a minimum of 1 number
Password must contain a minimum of 1 lower case character
Password must contain a minimum of 1 uppercase character
5
4 Enter the SAC and click the Submit button
5 Create a new password based on our password requirements and click the Submit button when you are finished
Getting Started Resetting A Forgotten Password
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
9
Getting Started New User Enrollment
If yoursquore new to Online Banking with Union Bank you need to complete the enrollment process the first time you log in Once you complete these few quick steps yoursquoll be on your way to banking everywhere you go
1 Type ublocalcom into your browser and click the ldquoEnroll in Online Bankingrdquo link
2 Fill out the Online Banking Enrollment Form with the required information and click the Submit Enrollment button
NoteenspThe details that you provide are verified by comparing them to your contact information in our system If the information does not match call us at 8888790008 to update your profile
3 A confirmation message appears
4 Choose the contact method that allows Union Bank to reach you immediately with a Secure Access Code (SAC) This numbered code is only valid for a short time and if it expires you need to request a new one
5 Enter the SAC and click the Submit button
6 Create a new password based on our password requirements and click the Submit button when you are finished
7 Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions
8 A profile page may appear Review the information update if necessary and click the Submit button
9 Congratulations You have successfully logged in to Online Banking If you have any questions or concerns call us at 8888790008
Getting Started New User Enrollment
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Home Page Home Page Overview
10
Home Page Home Page Overview
After logging in you are taken directly to the Home page This page is divided into three convenient sections to help you navigate to every feature within Online Banking Here you can view the balances in both your linked and Union Bank accounts see your account summaries and more
G
I
H EC D
F
B
A
NoteenspThe letters correspond to several available features on the Home page
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
11
A The navigation bar appears in every view on the left side of the screen You can navigate to Online Banking features by selecting the appropriate drop-down tab
B Your Union Bank accounts and linked external accounts are displayed in an account card with its balance
C If you click an account name you are taken to the Account Details page You can also click the icon on the right side of an account card and select View Activity for more details
D The icon allows you to print a summary of current available funds in your accounts
E You can expand or collapse account details by clicking the icon
F If you click and hold an account card you can drag and drop it to a new location to change the order in which your accounts appear
G The Quick Actions links in the top right corner lets you quickly access different Online Banking features
H You can link external accounts by clicking either the Link Account button or the icon
I Other links appear on the Home page which take you to interactive widgets with various information
Home Page Home Page Overview
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Home Page Home Page Overview
12
Account and Debt Summary Overview If you ever need to quickly assess how much money is in all of your accounts or debts you owe you can scroll down to the Account Summary and Debt Summary graphics on the Home page These interactive charts represent your total assets and debts represented by specific colors and percentages
A
D
CB
A The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total funds as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
A
D
CB
A The Total Debts widget gives you the total amount of money you owe and breaks down those funds into percentages
B Each colored piece represents one of your Union Bank or linked accounts and displays its percentage of total debts as well as the balance
C Clicking Next or Previous lets you view different accounts and details
D You can click the View Transactions link for more information on each respective account
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Home Page Account Details Overview
13
Home Page Account Details Overview
Selecting a Union Bank account on the Home page takes you to the Account Details page where you can view every transaction pertaining to that specific account From here you can view details such as type of transaction check images and account balances so you stay organized and on top of your finances
A
BD E
C F
G
H
I
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
14
are sorted
A On the Home page you can click on an account name to view the Account Details screen You can also click the icon on the right side of an account card and click the View Activity button
B The available balance of that account is displayed in the top right corner
C You can find transactions within that account using the search bar
D Transactions can be sorted by time type amount or check number Click the Filters icon for more search options
E More information about your account is available by clicking the Details icon
F The icon lets you send a secure message about that account You can also print a list of transactions by clicking the icon or export your transactions into a different format by clicking the icon
G The icon indicates how the Date Description and Amount columns
H You can view more details about a transaction by clicking on it
I After clicking a transaction the icon lets you send a secure message about that transaction You can also print the transaction by clicking the
icon
Home Page Account Details Overview
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
15
Home Page Quick Transfer
Move money from one account to another If yoursquore ever in a rush the Quick Transfer option provides you with a simple way to do those transactions
4
2
3
5
1 Click the icon on the right side of an account card and select Quick Transfer
2 Select the ldquoTordquo drop-down and choose an account to receive the funds
3 Enter an amount to transfer
4 (Optional) Click the ldquoAdvanced Optionsrdquo link to be redirected to the Funds Transfer feature
5 Click the Transfer Funds button when you are finished
Home Page Quick Transfer
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
16
Home Page Account Grouping
You can organize your internal and linked accounts into groups so the Home page is arranged in a way that makes sense to you These groups can always be changed or deleted to meet your needs
2
1
1
1 Create a new group by clicking and holding an account tile then dragging and dropping it to the pop-up icon
2 Create a new group nickname and click the check mark when you are finished
Home Page Account Grouping
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
17
Editing a Group Name The names of existing groups can be edited in two easy steps
1 2
1 Click the icon to edit your group nickname
2 Enter a new name and click the check mark when you are finished
Deleting a Group After a group is made you can reorganize the Home page by deleting a group without removing those accounts from the Home page
2
1
1 Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it
2 Click the Yes delete button to delete the group
Home Page Account Grouping
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
18
Security Protecting Your Information
At Union Bank we do all that we can to protect your personal information and provide you with a dependable online experience However we rely on you to take further precautions to assure the safety of your accounts By following our tips Online Banking can be a secure and efficient method for all your banking needs
General Guidelines bull Make sure your operating system and antivirus software are up-to-date
bull Always use secure wireless (WiFi) networks that require a Username and password
bull Never leave your computer unattended while using Online Banking
bull Monitor your recent account history for unauthorized transactions
bull Always log off of Online Banking when yoursquore finished and close your browser
Username and Password bull Create strong passwords by using a mixture of upper and lowercase
letters numbers and special characters
bull Do not create passwords containing your initials or birthday
bull Change your passwords periodically
bull Memorize your passwords instead of writing them down
bull Only register personal devices and avoid using features that save your Usernames and passwords
Fraud Prevention bull Do not open email attachments or click on links from unsolicited sources
bull Avoid giving out personal information on the phone or through email
bull Shred unwanted sensitive documents including receipts checks deposit slips pre-approved credit card offers and expired cards
bull Act quickly If you suspect your financial information is compromised call us immediately at 8888790008
Security Protecting Your Information
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
19
Security Security Preferences
We take security very seriously at Union Bank Because of this wersquove added various tools to help you better protect your account information You can add and manage these features in Security Preferences (located under the Settings tab) to strengthen your Online Banking experience
1
Change Password When you need to you can change your password within Online Banking We recommend that you change your password regularly and follow our guidelines for creating a strong password
2
3
4
5
In the Settings tab click Security Preferences
1 Click the Change Password button
2 Enter your old password
3 Create a new password
4 Reenter your new password
5 Click the Change Password button when you are finished making changes
Security Security Preferences
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
20
Change Username You can also change your Username at any time To ensure that you create an effective Username create a Username that you will remember and that follows our required guidelines
1
2
3
In the Settings tab click Security Preferences
1 Click the Change Username button
2 Enter your new Username
3 Click the Submit button when you are finished making changes
Security Security Preferences
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
21
Secure Delivery Union Bank verifies your identity using Secure Access Codes (SACs) which are numbered codes that are sent to you by email phone or text Within Security Preferences you can make changes to your delivery preferences or add new ways we can contact you
4
2
3
1
In the Settings tab click Security Preferences
1 Click the Secure Delivery button
2 Make changes to a secure delivery method by clicking the icon to make changes or the icon to delete a secure delivery method
3 Enter your new contact information and click the icon when you are finished to save your changes
4 Add a new delivery contact by clicking either the New Email Address New Phone Number or New Text Number button at the bottom of the page
Security Security Preferences
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
22
Security Mobile Security Preferences
Within Union Bankrsquos Online Banking app you have the ability to set up security preferences that are not available on a desktop computer These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go
Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that use fingerprint recognition technology to allow you to quickly unlock your iOS or Android device to make payments or authenticate transactions With this feature enabled you can easily and securely sign in with our mobile app
iOS
1
Change Username
Android
2
3
Username
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Touch ID or Fingerprint Login switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using fingerprint authentication and tap the Continue button
3 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
NoteenspYou must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
23
Touch ID for ldquoUnion Bankrdquo
4a
4b
4 To scan your fingerprint
a iOS Device Place your finger on the Home button to enable Touch ID
b Android Device Place your finger on the fingerprint scanner to enable Fingerprint Login Location of scanner varies from device to device
Security Mobile Security Preferences
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
24
Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go
1
2
3
4
5
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode switch from ldquoOffrdquo to ldquoOnrdquo
2 Review the information about using a passcode and tap the Create Passcode button
3 Create your 4-digit passcode using the keypad
4 Confirm your passcode using the keypad
5 Enter your Username and password and tap the Authorize button
Security Mobile Security Preferences
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
25
Disabling Passcode Authentication Touch ID or Fingerprint Login You can disable Passcode Authentication Touch ID or Fingerprint Login if you no longer prefer to utilize them When all features are disabled you can sign in to your Online Banking using your Username and password
iOS
Android
1
2
Sign in to Union Bankrsquos Online Banking app and tap the Menu button In the Settings tab tap Security Preferences
1 Toggle the Passcode Touch ID or Fingerprint Login switch from ldquoOnrdquo to ldquoOffrdquo
2 Tap the Yes button to disable the feature
Security Mobile Security Preferences
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
26
Security Alerts Overview
Having peace of mind is critical when it comes to your online banking experience When you create an alert through Online Banking you specify the conditions that trigger that alert so you stay on top of whatrsquos important to you
B
D
A
C
In the Settings tab click Alerts
A The New Alert drop-down lets you create a date account history or transaction alert
B The icon allows you to collapse or expand alert details for each category
C Toggling the Enabled switch turns an alert on or off without deleting it
D The Edit link lets you make changes to existing alerts
NoteenspAll alerts are automatically sent through secure messages but you can also choose to receive them by email phone or text message
Security Alerts Overview
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Security Alerts Overview
27
Date Alerts Just like marking a calendar you can set up alerts to remind you of specific dates or events That way you never forget a birthday or anniversary again
4 3
1 2
5
6
7
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoDate Alertrdquo
2 Check the box next to an alert type
3 Enter the date for the alert to occur
4 Check the box next to ldquoRecurs Every Yearrdquo to have your alert repeat annually
5 (Optional) Enter a message and click the Set button
6 Select a delivery method from the drop-down
7 Click the Save button when you are finished
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Security Alerts Overview
28
Account Alerts There should be no surprises when it comes to your finances Account Alerts can notify you when the balances in your accounts go above or below a number you specify
2 3
1
4
5
6
7
8
In the Settings tab click Alerts
1 Use the ldquoNew Alertrdquo drop-down and select ldquoAccount Alertrdquo
2 Check the box next to an account name
3 Check a box to select a field
4 Check a box to select a comparison
5 Enter an amount and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Security Alerts Overview
29
History Alerts If yoursquore ever concerned about amount limits or pending checks you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose
2 3 4
1
5
6
7 8
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoHistory Alertrdquo
2 Check the box next to an account name
3 Select a transaction type by checking a box
4 Check a box to select a comparison These options vary depending on the chosen transaction type
5 Enter an amount or check number and click the Save button
6 Select a delivery method using the drop-down
7 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
8 Click the Save button when you are finished
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
30
Online Transaction Alerts Different types of transactions can occur in your accounts By creating Online Transaction Alerts you can be notified when various transfers payments or debits post to your account
2 3
5
1
4
6
In the Settings tab click Alerts
1 Click the ldquoNew Alertrdquo drop-down and select ldquoTransaction Alertrdquo
2 Check the box next to a transaction type
3 Select a status by checking the appropriate box
4 Select a delivery method using the drop-down
5 Choose a frequency by checking the box next to ldquoEvery Occurrencerdquo to repeat the alert
6 Click the Save button when you are finished
Security Alerts Overview
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
31
Security Security Alerts Overview
We want you to feel confident while using Online Banking To help you feel safe and in control Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur
A
B
1
2
3
onlinebankinggmailcom
In the Settings tab click Alerts then Security Alerts
A You can turn an alert on or off by toggling the Enabled switch
B If an alert is grayed-out you cannot edit or disable it
Edit Delivery Preferences When a trigger occurs Security Alerts are always sent to you through secure messages You can add additional delivery methods to notify you about your accounts wherever you are
In the Settings tab click Alerts then Security Alerts
1 Click the ldquoEdit Delivery Preferencesrdquo link at the top These changes will apply to all Security Alerts
2 Enter the information for your preferred delivery method
3 Click the Save button when you are finished making changes
Security Security Alerts Overview
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
32
Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Union Bank Secure Messages allows you to communicate directly with a Union Bank customer service representative From the Secure Messages page you can find replies old messages or create new conversations
A
A
B
C D
Click the Secure Messages tab
A Click on a message to open it Messages are displayed on the left side of the screen
B Delete multiple messages by checking the box next to the corresponding messages or check the box next to ldquoSelect Allrdquo and click the icon
C Messages automatically delete after a certain time Check the box next to ldquoThis message should never expirerdquo to prevent that message from being erased
D Delete an opened message by clicking the icon or reply by clicking the icon
Security Secure Message Overview
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
33
Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email Unlike an email you can safely include confidential personal information relating to your accounts within a new message
4
5
1
2
3
Click the Secure Messages tab
1 Create a new message by clicking the Secure Message button in the top right corner
2 Select the recipient from the drop-down
3 Enter the subject
4 Enter your message
5 Click the Send button when you are finished
Security Sending a Secure Message
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
34
Transaction Types Transfer Funds Overview
Under Transfer Funds on the left navigation menu there are various features that help you transfer funds in different ways
bull Transfer Funds Move money between your personal Union Bank accounts
bull Transfer to UB Customers Move money to someone elsersquos Union Bank accounts
bull External Transfer after adding and verifying external accounts Move money after linking any accounts you have elsewhere
Transaction Types Transfer Funds Overview
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
35
bull Bill Pay You may also use our Bill Pay service (located on the left navigation menu) to pay organizations and individuals
Transaction Types Transfer Funds Overview
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
36
Transactions Transfer Funds
When you need to make a one-time or recurring transfer between your personal Union Bank accounts you can use the Funds Transfer feature These transactions go through automatically so your money is always where you need it to be
3
2
1
In the Transfer Funds tab click Transfer Funds
1 Select the accounts to transfer funds between using the ldquoTordquo and ldquoFromrdquo drop-downs
2 Enter the amount to transfer
3 For One-Time Transfer enter the date to process the transaction
Transactions Transfer Funds
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
37
4a
4b
4c
4d
5
6
4 If you would like to set up a recurring transfer follow the steps below
a Check the box next to ldquoMake this a recurring transactionrdquo to repeat the transfer
b Use the ldquoHow often should this transfer repeatrdquo drop-down to specify how often the transfer should occur
c Enter a start and end date for this transaction using the calendar features
d If your transaction doesnrsquot have an end date check the box next to ldquoNo End Daterdquo
5 Enter a memo
6 Click the Transfer Funds button when you are finished
NoteenspYou can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center
Transactions Transfer Funds
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
38
Transactions Transfer to Union Bank Customers
If you know someone who also banks at Union Bank you may send them immediate money By using their email address and last 4 digits of their account you can send them electronic payments and link their account for future deposits
Linking Someonersquos Union Bank Account Instead of typing in someonersquos information every time you send them money you can conveniently link their account for you to make future deposits only
1
2 3
4
In the Transfer Funds tab click Transfer to Union Bank Customers
1 Click the Add Customer button
2 Enter the recipientrsquos email address
3 Enter the last 4 digits of the recipientrsquos account number
4 Click Submit when you are finished
Transactions Transfer to Union Bank Customers
NoteenspTo review or cancel a transaction to a Union Bank customer visit the Activity Center
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Transactions Transfer to Union Bank Customers
39
Single Transfers Between Union Bank Accounts If you only need to send money to a Union Bank customer once you can generate a single transaction with that personrsquos email address and partial account number
1
2
43
5 6
7 In the Transfer Funds tab click Transfer to UB Customers
1 Click the Single Transfer button
2 Select the account to take funds from using the ldquoFrom Accountrdquo drop-down
3 Enter an amount
4 (Optional) Write a description of your transfer
5 Enter the recipientrsquos email address
6 Enter the last 4 digits of the recipientrsquos account number
7 Click Submit when you are finished
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
40
Transactions Adding A Personal External Account
If you have accounts at other financial institutions they can be linked to Online Banking with Union Bank so you can transfer money between two banks without ever leaving home When you go to add another account you are asked to verify your ownership of that account by confirming two small deposits Union Bank makes into the external account
3
1 2
4
In the Transfer Funds tab click Add External Account
1 Enter the account number
2 Select the type of account using ldquoAccount Typerdquo drop-down
3 Enter the financial institutionrsquos routing number These numbers are located at the bottom of a paper check or deposit slip from your check book
4 Click the Continue button
Transactions Adding A Personal External Account
Within two to three business days two micro-deposits will appear in your external account Once you receive those deposits go to the Verify External Account tab to add the account
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
41
Transactions Verifying A Personal External Account
As soon as Union Bank makes two small deposits of less than a dollar into your external account you are asked to verify those amounts within Online Banking Once they are confirmed you can begin transferring money to and from the outside account
1
2
3
In the Transfer Funds tab click Verify External Account
1 Select the account you would like to verify
2 Enter the amounts of the two micro-deposits that have been made into your external account by simply entering two numbers two digits each (eg07)
3 Click the Submit button when you are finished
Transactions Verifying A Personal External Account
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
42
Transactions Activity Center Overview
Transactions initiated through Online Banking or through our mobile app appear in the Activity Center This includes all single and recurring transactions deposited checks and stop payments
C
F
A
D
B
E
In the Transfer Funds tab click Activity Center
A Click an appropriate tab at the top to view Single Transactions Recurring Transactions or Deposited Checks
B Use the search bar to find transactions within that account
C Print the Activity Center page by clicking the icon Export your transactions into a different format by clicking the icon
D Click the icon next to the Created Status Transaction Type Account or Amount columns to sort transactions
E Click on a transaction to view more details
F Select Actions to perform additional functions
Transactions Activity Center Overview
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Transactions Activity Center Overview
43
Using Filters What appears on the Activity Center can be customized using various filters You can also choose up to six columns to display so you can swiftly find what yoursquore looking for each time
1 2
3
4
In the Transfer Funds tab click Activity Center
1 Click the Filters icon to create a custom view of your transactions
2 Create a custom list of transactions using these filters
3 Filter the type of transaction you are looking for using the ldquoTransaction Typerdquo drop-down Column names with check boxes appear Select up to six boxes
4 Click the Apply Filters button when you are finished
Creating or Deleting Custom Views Using Favorites After applying specific filters you can save that view of the Activity Center to Favorites making it easier and faster to search print or export transactions You can always delete Favorites if they are no longer useful
1 3 2 4
5
In the Transfer Funds tab click Activity Center
1 Apply filters and click the ldquoFavoritesrdquo link
2 Click the + icon to create a new favorite template
3 Enter a name for your new custom view
4 Click the Save button when you are finished
5 Click the X icon to remove a custom view from your Favorites
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
44
Canceling Transactions The Activity Center shows all pending transactions that have not posted to your account You can also cancel pending transactions up until their process date
1
3
2
In the Transfer Funds tab click Activity Center
1 Browse through your pending transactions and check the box for each transaction you want to cancel Check the box between Amount and Actions to select all transactions
2 Click the ldquoActionsrdquo drop-down and click ldquoCancel Selectedrdquo
3 Click the Confirm button when you are finished The status then changes to ldquoCancelledrdquo on the Activity Center page
NoteenspIf you cancel a recurring transaction in the Single Transaction tab you will only cancel that single occurrence To cancel an entire series you must visit the Recurring Transactions tab in the Activity Center
Transactions Activity Center Overview
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
45
Quick Bill Pay Bill Pay Overview
Union Bank offers two Bill Pay sections within digital banking
bull Quick Bill Pay - streamlined for more simple payments
bull Expanded Bill Pay - with additional functionality
Sending payments to companies and individuals has never been easier Bill Payment with Union Bank helps you stay on top of your bills allowing you to quickly manage your payments and never miss a due date
NoteenspThe first time that you click the Quick Bill Pay tab you need to choose a checking account to use within the Bill Pay menu and accept the terms and conditions
Creating a Payee The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
1
Click the Quick Bill Pay tab
1 Click the ldquoAdd Payeerdquo link
Quick Bill Pay Bill Pay Overview
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
46
2 3
4
5
6 7
2 Enter the new payeersquos name and add an optional nickname if you wish
3 Use the drop-down to select the ldquoPayee Typerdquo
4 Enter the payeersquos street address city and zip code and choose the state using the ldquoStaterdquo drop-down
5 Enter the payeersquos area code and phone number
6 Enter your account number for this payee
7 Click the Save button when you are finished
Quick Bill Pay Bill Pay Overview
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
47
Editing a ldquoPay Fromrdquo Accounts You can change which accounts are your default ldquoPay Fromrdquo accounts
1 1
2
Click the Quick Bill Pay tab
1 Select which accounts you wish to pay bills with by checking the appropriate box
2 Click the Save button when you are finished making changes
Quick Bill Pay Bill Pay Overview
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
48
Deleting a Payee If you no longer need a payee and wish to remove them from your Bill Pay you can do so from the Bill Payment page
1
2
Click the Quick Bill Pay tab
1 Use the ldquoOptionsrdquo drop-down and choose ldquoDelete a Payeerdquo
2 Click the Delete button next to the payee you want to remove
Quick Bill Pay Bill Pay Overview
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
49
Quick Bill Pay Making a Single Payment
After creating a payee you can begin paying your bills online You can pay a single bill or schedule recurring payments for the future so you never miss a deadline
1
2
3
4
5
6
Click the Quick Bill Pay tab
1 Select a payee
2 Enter an amount
3 Select the account to take funds from using the drop-down
4 Select the delivery method using the drop-down
5 Select the delivery date using the calendar feature
6 Click the Submit Payment button
Quick Bill Pay Making a Single Payment
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
50
Quick Bill Pay Paying Multiple Bills
You can schedule different payments for multiple payees at the same time
21
3
4
6
5
Click the Quick Bill Pay tab
1 Choose the accounts funds will be taken from using the ldquoPay Fromrdquo drop-downs
2 Enter amounts for each bill
3 Select the desired payment date using the calendar
4 Click the Review Payments button
5 Review your payment information and click the Submit Payments button when you are finished
Quick Bill Pay Paying Multiple Bills
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
51
Quick Bill Pay Payment Activity
You can delete a scheduled payment if it has not cleared your account and is still pending All pending and processed transactions are listed in the right sidebar for your convenience
A
B C
D
E
Click the Quick Bill Pay tab
A Click the Payment Activity tab
B Use the search bar to find transactions within that account
C Click the Filters icon to create a custom view of your transactions
D Print the Activity Center page by clicking the icon
E Click the icon next to the Date Status Payee Pay from or Amount columns to sort transactions
F Click on a transaction to view more details
NoteenspScheduled pending payments also appear under the Status column in green
Quick Bill Pay Payment Activity
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
Expanded Bill Pay Payments Overview
52
Expanded Bill Pay Payments Overview
Bill Pay with Union Bank allows you to stay on top of your monthly finances Having your bills linked to your bank account enables you to electronically write checks and send payments in one place
The first time that you click the Expanded Bill Pay tab you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions
L
K A J
B D F
H C
G E
I
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
53
Click the Expanded Bill Pay tab
A The navigation bar appears in every view on the top of the screen You can navigate to the payments features under the Payments tab
B Use the Display tabs to sort your transactions by Last 30 days eBills Company Individuals Inactive or Hidden
C Use the ldquoChoose a Categoryrdquo drop-down to filter your future payments To set up a category see page 63
D Use the search bar to locate payees
E View all of your payees on the left side of your screen
F View your pending transactions in the right side panel under Pending
G View your transaction history in the right side panel under History
H Click the ldquoView Morerdquo link to view more details of your pending transactions or your transaction history
I Click the ldquoViewrdquo link next to a transaction to see more details
J Send or view Secure Messages by clicking the ldquoMessagesrdquo link
K Chat with customer service by clicking the ldquoLivechatrdquo link (730 - 200 AM EST M-F)
L Close bill pay by clicking the X in the upper right corner of the screen
NoteenspBill Pay will allow you to view setup payees and make payments without leaving online banking Expanded Bill Pay has additional features and will display the whole Bill Pay system in a new screen
Expanded Bill Pay Payments Overview
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
54
Expanded Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee A payee can be almost any company or person you would normally send a written check such as a department store a cable TV provider or relative It may be convenient to set up a payee to receive payments on a regular basis
3
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the Add a Payee button
3 Select whether the payee is a company individual or a bank or credit union and then click the Next button
Expanded Bill Pay Create a Payee
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
55
4
5
4 Fill out the payeersquos required information and then click Next
5 Enter the mailing information for your payee and then click Next Your payee has now been created and added to your payee list
Expanded Bill Pay Create a Payee
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
56
Expanded Bill Pay Schedule Payments
It is easy to pay your bills once you set up payees When you click on the Payments tab you will see all of the payees you have established so far To pay a bill simply find your payee and fill out the payment information beside their name
1
2 3 4
5
6
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken
3 Enter the amount in the provided column
4 Enter the desired payment date using the calendar feature
5 If you are late for an important payment you can request rush delivery You will be asked to accept the rush delivery fee
6 Carefully review your payment click the Submit all payments button when you are finished
Expanded Bill Pay Schedule Payments
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
57
Expanded Bill Pay Recurring Payments
Our Recurring Payments feature keeps you ahead of your repeating payments Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due
2
3
4
1
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Find the payee you wish to set up recurring payments for click the ldquoMake it Recurringrdquo link
3 Using the ldquoPay Fromrdquo drop-down select the account from which funds are taken enter the amount frequency payment date and other payment preferences
4 Expanded Bill Pay Recurring Payments
Click the Submit button when you are finished
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
58
Expanded Bill Pay Edit or Cancel Payments
You can change or cancel a payment even after you schedule it This convenient feature gives you the freedom to change the way you make your payments
1
2
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on a payee to edit or cancel payments
Expanded Bill Pay Edit or Cancel Payments
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
59
3
5
4
6
3 Click the ldquoEditrdquo link
4 Make the necessary changes
5 (Optional) Click the box next to ldquoI would like to delete this payeerdquo to delete a payee
6 Click the Submit button when are finished
Expanded Bill Pay Edit or Cancel Payments
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
60
Expanded Bill Pay Rush Delivery
If you are late making an important payment rush delivery option is available to expedite the payment You will be asked to authorize the rush delivery fee
1
2
3
4
6 5
Click the Expanded Bill Pay tab
1 Click on the Payments tab
2 Click on the ldquoRush Deliveryrdquo link
3 Choose the amount to pay and use the drop-down to choose the account you would like to pay from
4 You will see options for delivery dates with the appropriate charges Select a date
5 Enter or select an address
Expanded Bill Pay Rush Delivery6 Click the Next button
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
61
7
7 Review your payment information and the Fee Debit Authorization Click the Accept amp Submit button when you are finished
Expanded Bill Pay Rush Delivery
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
62
Expanded Bill Pay eBills
Within online bill pay certain major credit card companies automotive finance companies and utilites have been set up to deliver customers bills electronically with our system Only billers that are preset in the system will have the potential to be set up as an eBill When you set up an eBill you continue to receive paper bills from your biller In order to stop receiving them you must contact the company
1
2
3
4
Click the Expanded Bill Pay tab
1 Click the ldquoSet up eBillrdquo link under the bill you would like to set eBills up for
2 Enter your user ID and password for the billerrsquos website
3 Read the eBills Service Agreement
4 Click the Accept and Submit button when you are finished
Expanded Bill Pay eBills
NoteenspWhen your eBill is available it shows up in green under the payeersquos name or you receive an alert by email or phone You can then pay your bill by sending a one-time payment or a recurring payment
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
63
Expanded Bill Pay Categories
You can assign your payees into Categories to better organize your transactions
1
2
3
4
Click the Expanded Bill Pay tab
1 Click on the My Account tab
2 Click the ldquoAdd Categoryrdquo link
3 Name your category in the new window and when you are finished click Submit
4 Your category will now appear on the right side of the screen
Expanded Bill Pay Categories
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
64
Services Stop Payment Request
If yoursquore ever worried about a pending written check you can initiate a stop payment request to prevent that check from being cashed Once approved the stop payment remains in effect for 6 months If you need the current fee information please call us during our business hours at 8888790008
1
In the Services tab click Stop Payment
1 Select the appropriate account
Services Stop Payment Request
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
65
2
3
4
2 Enter the check number and click the Save button
3 (Optional) Enter the payee and click the Set button
4 (Optional) Enter the amount and click the Save button
Services Stop Payment Request
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
66
7
6
5
5 (Optional) Enter the date of the check using the calendar
6 (Optional) Enter a description under ldquoNoterdquo and click the Set button
7 Click the Send Request button when you are finished
NoteenspYou can view the approval status of a stop payment in the Activity Center
Services Stop Payment Request
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
67
Services Reordering Checks
If yoursquove previously ordered checks through Union Bank you can conveniently reorder checks online at any time on our trusted vendorrsquos website
1
2
In the Services tab click on Check Reorder
1 Choose the account you want checks ordered for
2 Complete your order on the Harland Clarke website
Services Reordering Checks
NoteenspIf you notice that you are missing checks please contact us right away so that we can take precautions to safeguard against identity theft and fraud
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
68
Services eStatements
The Statements feature is a great virtual filing system for your bank statements saving paper and space in your home or office By storing your statements electronically your account information is always readily available when you need them
1
2
Click on the eStatements tab
1 Review the Online Agreement and Disclosure
2 Enter the Validation Code and click the I Accept button
3 Click the icon to view a printable version of the statement click the icon to view an interactive HTML version of the statement
Services eStatements
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
69
Services Personal Financial Management (PFM)
The interactive PFM tool allows you to monitor and budget your money within your Union Bank Online Banking By linking your external accounts credit cards assets and loans PFM allows you to create budgets and track your spending habits in an organized way
Different links appear on the Home page which take you to interactive widgets with various information
bull Net Worth Sum up your assets and debts and view pie charts to see how funds are allocated
bull Budget Track your monthly finances by adding targets to help you better manage your expenses
bull Spending See how yoursquore spending money in a visual representation
bull Trends Track your habits even further to see how you spend your money over time
bull Debts Lets you see all your debts at once to gage how additional payments or payoffs affect your finances
NoteenspTo use PFM you will need to accept the User Agreement
Services Personal Financial Management (PFM)
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
70
Settings Account Preferences
The Home page and your accounts should appear in a way that is fitting for you The names of accounts order in which they appear on the Home page order of account groups and names of account groups can be changed in Account Preferences to suit your needs
1
2
4
3 5
6
In the Settings tab click Account Preferences
1 Select the up or down arrows on the right side to change the order that your accounts appear in
2 Click on an account to show additional details
3 Use the Visibility switch to toggle whether or not your account is visible on the Home page
4 Click the icon to change the nickname of a group or an account Make your changes and click the check mark to save it
5 Click the icon or Account Nickname button in the mobile app to change the Online Display Name of an account Make your changes and click the check mark to save it
6 Select the ldquoAccount or Group Namerdquo drop-down to change the group that account is in
Settings Account Preferences
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
71
Settings Text Enrollment
Text Banking allows you to manage your accounts on the go Once enrolled you can check balances review account history and transfer funds from your Online Banking account using any text-enabled device
3
1
4
2
5
In the Settings tab click Text Enrollment
1 Toggle the Text Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
2 Enter your mobile number (SMS text number)
3 Read the terms and conditions and check the box next to ldquoAgree To Termsrdquo
4 Click the Save button when you are finished
5 Click the Visit Preferences button to be taken to the Accounts feature
Settings Text Enrollment
NoteenspOnce yoursquove signed up for Text Banking you should receive a text confirmation
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
72
6
7
8 9
6 Select an account you want to enroll in text banking
7 Click the SMSText tab
8 Toggle the SMSText Enrollment switch from ldquoOffrdquo to ldquoOnrdquo
9 (Optional) Click the icon to change the SMSText Display Name Make your changes and click the check mark to save it
Commands for Text Banking
Text Command Options to 226563 for the Following Information
BAL or BAL ltaccount nicknamegt Request account balance
HIST ltaccount nicknamegt Request account history
XFER ltfrom account nicknamegt
ltto account nicknamegt ltamountgt
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alertsnotifications)
START Enable message sendreceive for text banking
Settings Text Enrollment
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
73
Settings Address Change Request
If your address ever changes and you need to update your contact information you can submit a request to Union Bank for some or all accounts
1
2
3
In the Settings tab click Address Change
1 Choose the account(s) that need the address change
2 Update your contact information
3 Click the Submit button when you are finished
Settings Address Change Request
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
74
Locations Branches and ATMs
If you need to locate a Union Bank branch or ATM the interactive map below can help you find locations nearest you If your devicersquos location services feature is turned off or your location in unavailable a general list of branches appears
B
A
Click on the Branches tab
A You can locate a Union Bank branch or an ATM by searching by zip code
B Union Bank locations or ATMs are marked along with your location Click a branch for additional details such as phone numbers directions lobby hours and drive-thru hours
Locations Branches and ATMs
NoteenspIf you are using a mobile device with Location Services turned on we will display the closest ATMs and branches for you
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-
UBLOCALCOM
- Getting Started
-
- First Time Logging In
-
- Logging Off
-
- Second Time Logging In
- Resetting A Forgotten Password
- New User Enrollment
-
- Home Page
-
- Home Page Overview
-
- Account and Debt Summary Overview
-
- Account Details Overview
- Quick Transfer
- Account Grouping
-
- Editing a Group Name
- Deleting a Group
-
- Security
-
- Protecting Your Information
-
- General Guidelines
- Username and Password
- Fraud Prevention
-
- Security Preferences
-
- Change Password
- Change Username
- Secure Delivery
-
- Mobile Security Preferences
-
- Enabling Touch ID or Fingerprint Login
- Enabling Passcode Authentication
- Disabling Passcode Authentication Touch ID or Fingerprint Login
-
- Alerts Overview
-
- Date Alerts
- Account Alerts
- History Alerts
- Online Transaction Alerts
-
- Security Alerts Overview
-
- Edit Delivery Preferences
-
- Secure Message Overview
- Sending a Secure Message
-
- Transaction Types
-
- Transfer Funds Overview
-
- Transactions
-
- Transfer Funds
- Transfer to Union Bank Customers
-
- Linking Someonersquos Union Bank Account
- Single Transfers Between Union Bank Accounts
-
- Adding A Personal External Account
- Verifying A Personal External Account
- Activity Center Overview
-
- Using Filters
- Creating or Deleting Custom Views Using Favorites
- Canceling Transactions
-
- Quick Bill Pay
-
- Bill Pay Overview
-
- Creating a Payee
- Editing a ldquoPay Fromrdquo Accounts
- Deleting a Payee
-
- Making a Single Payment
- Paying Multiple Bills
- Payment Activity
-
- Expanded Bill Pay
-
- Payments Overview
- Create a Payee
- Schedule Payments
- Recurring Payments
- Edit or Cancel Payments
- Rush Delivery
- eBills
- Categories
-
- Services
-
- Stop Payment Request
- Reordering Checks
- eStatements
- Personal Financial Management (PFM)
-
- Settings
-
- Account Preferences
- Text Enrollment
- Address Change Request
-
- Locations
-
- Branches and ATMs
-