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Online Banking User Guide UBLOCAL.COM 888.879.0008

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Page 1: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 2: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 3: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 4: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 5: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 6: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 7: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 8: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 9: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 10: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 11: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 12: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 13: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 14: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 15: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 16: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 17: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 18: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 19: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 20: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 21: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 22: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 23: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 24: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 25: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 26: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 27: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 28: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 29: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 30: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 31: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 32: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 33: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 34: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 35: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 36: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 37: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 38: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 39: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 40: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 41: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 42: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 43: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 44: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 45: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 46: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 47: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 48: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 49: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 50: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 51: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 52: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 53: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 54: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 55: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 56: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 57: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 58: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 59: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 60: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 61: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 62: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 63: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 64: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 65: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 66: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 67: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 68: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 69: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 70: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 71: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 72: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 73: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 74: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 75: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 76: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 77: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 78: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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
Page 79: Online Banking User Guide - Union Bank · Review the Online Banking Services Agreement on the Disclaimers page and . 9. Getting Started . New User Enrollment . If you’re new to

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