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USER MANUAL
UB ONLINE
User Manual
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TABLE OF CONTENT
Introduction........................................................................................................................................3
I. How to log in UB Online – Internet Banking?.............................................................................4
II. Help tools/ functions......................................................................................................................6
III. Menu – Service Categories……..…............................................................................................6
III.1 Transactions List........................................................................................................................7
Processed Transactions…...................................................................................................7
Show Draft/ Template….....................................................................................................7
III.2 Accounts......................................................................................................................................8
Total position…………........................................................................................................8
Accounts Summary...............................................................................................................8
Account Details....................................................................................................................9
Account Activity…...............................................................................................................9
Ad hoc Account statement request…….............................................................................10
Account Statement………..................................................................................................10
III.3 My Deposits…..........................................................................................................................10
Time Deposits Details...…..................................................................................................10
Open new Time Deposit.....................................................................................................11
III.4 My Loans…..............................................................................................................................11
Loan Details......................................................................................................................11
Loan Schedule..................................................................................................................12
Loan Account Activity......................................................................................................12
III.5 My Payments............................................................................................................................12
Own Account Transfer……………....................................................................................12
Setup standing order….......................................................................................................13
Internal Transfer……….....................................................................................................14
Setup standing order….......................................................................................................16
Beneficiary maintenance....................................................................................................17
Domestic Transfer…..........................................................................................................18
Setup standing order...........................................................................................................20
International Transfer..........................................................................................................21
View standing instructions.................................................................................................23
Standing Instruction Cancellation...…...............................................................................23
III.6 Bills Payment............................................................................................................................24
Add new biller………………............................................................................................24
Pay Bill…….......................................................................................................................24
III.7 Customer Services....................................................................................................................24
Set Account Preferences….................................................................................................24
Mailbox...............................................................................................................................25
Open New Account….........................................................................................................25
Exchange rate Inquiry.........................................................................................................25
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UB Online is the banking electronic service that enables accounts control and bank account
transactions 24 h/ 7 days just by using the computer.
This manual gives you the necessary instructions on how to use the UB Online service, showing all
steps that should be followed.
UB Online internet banking service allows:
● Balance control and detailed information for all accounts;
● Detailed control over transactions (Account Statement);
● Information about deposits and opening a new one;
● Informacton about loans;
● All types of payments:
- Own accounts transfer;
- Internal account transfer;
- Domestic account transfer;
- International transfer;
- Standing instruction set up;
- Bill payment;
● Information about exchange rates;
● Setting account preferences;
● Password change;
● Internal communication through e-mail;
You can use the UB Online service only if you have the login details: User ID and Password/ Token
device.
Please make sure you have read the instructions before using the service.
For every question or problem you may have, please contact Union Bank in the following
addresses: [email protected], [email protected], through the service Mailbox or visit
one of our branches, where a specialized staff will help you.
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I. How to login?
To access UB Online you can:
1. Visit Union Bank webpage www.unionbank.al and then click the application UB Online (on the
right).
2. Click the link:
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- The image below will appear:
You can make some choices:
● Language; You can choose the preferred language: Albanian or English.
● User Type; Click Corporate/ Retail if you are an individual user.
● Style; select the preferred version Classic or Contemporary (Modern).
● Username; Fill the box with you username you have taken from the bank when you have applied
for the service.
● Password; Fill the box with the password you have taken through e-mail or the one time
password generated from the Token device.
● Use virtual keyboard; You can choose to use the service’s virtual keyboard or uncheck it and
use the keyboard of your computer.
● Sign in; click to sign in.
● If you have forgotten the password or the username is locked, click the link Access Problems?
Warning!
The first time you will access the service, the application will ask you to change the password
received from the bank via e-mail. This way you can set another one that you can easily remember.
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II. Help tools/ functions
In the main page above on the right, you will find these helping functions:
● Help – contains the user’s manual
● Session summary– gives information about the hour and the date of the last times you were
logged in.
● Change Password – click on it if you want to change the password.
● Site map – gives information about all the service categories that UB Online offers.
● Print this page – click on it if you want to print the current page.
● Log out – If you are signed in, but in ten minutes there is no activity, the session expires
automatically. If you are using the service and want to log out, just click on “Log out”.
II. The Menu – Service’s categories
UB Online offers these service’s categories:
● Transaction Activities
● Accounts
● My Deposits
● My Loans
● My Payments
● Bill Payments
● Customer Services
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III.1 TRANSACTION ACTIVITIES
● Initiated Transactions; gives information about the initiated transactions and their actual status,
(Accepted, Completed or Rejected). By clicking on the Status you get further information about the
transaction (date, amount, detailed information about the beneficiary).
● View drafts/ Templates; you can get information about Drafts and Templates that you have
created before.
- By clicking Ebanking reference No; you get information about the Template details and the
possibility to use it again by clicking “Initiate”.
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III.2 ACCOUNTS
● Account Overview; Total position of all accounts.
● Account Summary; gives information about the accounts balances in different currencies. Also
gives the possibility to name your accounts.
Name account
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● Account Details; informs you about (the account number, date when it was opened, the branch
bank where it was opened and the currency).
Steps to be followed: Select Account - Submit
● Account Activity; gives information about each transaction you have performed, according to the
period of time that you need the information.
Steps to be followed: Select Account – Sort by – Submit
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- UB Online service allows to download the report in different formats as shown below.
● Ad hoc Account Statement Request; enables to request an Account Statement for the selected
account and for the specified period.
Steps to be followed: Account type – Account number – specify dates from date to date -
Submit – Confirm.
● Account Statement; in this section you can find the Statement requested to the previous section.
- The service enables to print or download the statement in Pdf or Html format.
III.3 MY DEPOSITS
UB Online allows to open a time deposit online without the necessity to visit the bank branch.
● Term Deposit Details; gives detailed information about deposits you have in Union Bank:
Processed (all initiated contracts not authorized from the system) and Active (all finalized
contracts).
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● Open Term Deposit; allows to open a new deposit online by specifying: 1. The tenor of deposit,
2. The source account, 3. The Amount, 4. What do you prefer to do in maturity, 5. Submit.
6. Click on Change if you want to do any change or click Confirm to go on. In the end click OK.
- Other services:
● Amend Term Deposit, you can use this function if you want to make changes like: the tenor,
instructions in maturity.
● Term Deposit Activity, by specifying the deposit you need information and the period of time.
● Close deposit (Redeem Term Deposit).
III.4 MY LOANS
● Loan Details; gives detailed information for loans you have in Union Bank (amount, tenor,
interest, installments, remaining principal).
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● Loan schedule;
● Loan Account Activity; choose the account you need information, specify the period of time and
click Submit.
● Loan Interest Rates; gives information about the interest rates the bank actually has.
III.5 MY PAYMENTS
According to the service package you have, you can make the transfers listed below:
● Own Account Transfer; allows transfers between different accounts you may have in Union
Bank (example. from salary account to credit card account, from salary account to saving’s accounts
etc.).
Steps to be followed:
1. Make New Payment, 2. Choose the source account, 3. Choose the destination account, 4.Set the
amount that will be transferred, 5. Set the transfer date or urgent, 6. Make a short description for the
transfer (payment details), 7. Click on Initiate.
- If you want to use it as a Template other times, click Save and Submit.
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8. If you want to make any change click on Change, if you want to go on click Confirm and in the
end click OK.
- If you want to search for an Existing Template an use it, click on Existing Template.
● Setup Standing Instruction, allows to transfer every month or according to the chosen
periodicity a specified amount of money automatically from your account to another account you
have in Union Bank. Steps to be followed:
1. Make New Payment, 2. Choose the source account, 3. Choose the destination account, 4. Click
on Setup Standing Instruction, 5. Specify the frequency of execution of the order, 6. Specify the
date the execution begins and the date when the order expires, 7. Make a short description for the
transaction, 8. Click on Initiate, 9. If you want to make any change click on Change or click on
Confirm to go on. In the end click OK.
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● Internal Account Transfer; allows to make transfers from your account to the account of
another client in Union Bank. Steps to be followed:
1. Make New Payment, 2. Choose the source account, 3. Choose the destination/ beneficiary
account (if the beneficiary in registered from you before, you can make search with the registered
name and all data fill automatically), 4. Specify the amount that will be transferred, 5. Specify
transfer currency, 6. Specify the transfer date or click on Urgent, 7. Make a short description,
8. Click on Initiate.
- If you want to save the Template and use it in the future, click on Save and Submit.
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9. If you want to make any change click Change, to go on click Confirm and in the end click OK.
- If you want to use an existing template to make the transfer:
Existing Template – Search – User Template and all data will be filled automatically.
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● Setup Standing Instruction, allows to transfer every month or according to the chosen
periodicity a specified amount of money automatically from your account to the account of another
client within Union Bank. Steps to be followed:
1. Make New Payment, 2. Choose the source account, 3. Choose the destination account, 4. Click
on Setup Standing Instruction, 5. Specify the order execution frequency, 6. Specify the date the
execution begins and the date when the order expires, 7. Make a short description for the
transaction, 8. Click on Initiate, 9. If you want to make any change click on Change or click
Confirm to go on. In the end click OK.
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● Beneficiary Maintenance;
To create a new template: 1. Choose the transaction type, you are creating a template for, 2. Click
on “Create Beneficiary Template”.
3. Fill all data and then click on “Add”.
4. If you want to make any change click on Change, if not click Confirm and OK in the end.
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- To delete or modify an Existing Template.
Steps to be followed: 1. Write the name or nickname of beneficiary (as you have saved it before),
2. Click Search, 3. Then click Modify or Delete, 4. Click Change or Confirm and click OK in the
end.
● Domestic Fund Transfer; allows you make fund transfer from your accounts to other accounts
in other banks within the country.
Steps to be followed:
1. Make a New Payment, 2. Choose source account, 3. Fill beneficiary details (name, account
number, address, city, e-mail) (if the beneficiary is maintained before, you can make search and all
the necessary data will fill automatically), 4. National clearing code type (Bank of Albania), 5.
National Swift codes (is the swift code of the beneficiary bank, if you do not know it you can make
search), 6. Beneficiary bank details will fill automatically after setting the swift code of the bank, 7.
Specify the amount to be transferred, 8. Specify currency, 9. Specify the date or click Urgent
Payment, 10. Make a short description about the transfer, 11. Define who will pay transfer’s
commissions (Beneficiary, Remitter or Shared), 12. Click on Initiate.
- If you want to save it as a Template and use it again click on Save and Submit.
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13. If you want to make any change click on Change, if not click on Confirm and OK in the end.
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● Setup Standing Instruction, allows to transfer every month or according to the chosen
periodicity a specified amount of money automatically from your account to accounts in other
banks within the country. Steps to be followed:
1. Make New Payment, 2. Choose the source account, 3. Fill beneficiary details (if you have
maintained it before, just make a search), 4. Fill Beneficiary Bank Details or make search choose
the bank and the details will fill automatically, 5. Specify the amount to be transferred, 6. Click on
Setup Standing Instruction, 7. Specify the order execution frequency, 8. Specify the date the
execution begins and the date when the order expires, 9. Make a short description for the
transaction, 10. Click on Initiate, 11. If you want to make any change click on Change or click on
Confirm to go on. In the end click OK.
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● International Account Transfer; allows you to make transfers from your accounts to other
accounts in banks in foreign countries.
Steps to be followed:
1. Make a new payment, 2. Choose source account, 3. Fill beneficiary details (name, account
number, address, city, country) (if the beneficiary was maintained before you can make search and
dates will fulfill automatically), 4. Beneficiary bank details (if you do not know the Swift code you
can make search and all data will fill automatically), 5. Specify the amount to be transferred, 6.
Specify the currency, 7. Specify transfer date or select Urgent Payment, 8. Make a short description
for the transfer, 9. Define who will pay the transfer’s commissions (beneficiary, remitter or shared),
10. Click on Initiate.
11. If you want to make any change click Change, if not click Confirm and OK in the end.
- If you want to use the template in the future again, click Save and Submit.
**International transfer is the only one that needs to be authorized from bank employees to be
further processed.
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● View Standing Instruction; lists all standing instructions that you have set according the period
you make search.
● Standing Instruction Cancellation; allows you to cancel automatic standing orders you have set
before.
Steps to be followed: Choose source account – Period of time - Frequency- Submit
III.6 BILL PAYMENTS
This function enables you to pay your utility’s bills online by using internet banking.
● Register Biller; by clicking Add New Biller, you can create Templates that you can use every
time you want to make a payment.
Steps to be followed:
1. Select customer (automatically will come out you name), 2. Select Biller (the company to which
you will pay bills), 3. Account number with biller (contract number), 4. Choose a nickname to
easily identify the biller, 6. Click Submit.
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7. If you want to make any change click Change, if not click Confirm and in the end click OK.
● Pay Bill; allows you to pay bills according to the Templates you have created before. Fill the
obligatory fields then click Submit. If you want to make any change click Change, if not Click
Confirm and OK in the end.
III.7 CUSTOMER SERVICES
● Set Account Preferences; enables to name accounts with a nickname and to list them according
to preferences. Steps to be followed: Write the nickname and click Save.
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● Mailbox; The application allows to communicate with the bank through an internal system.
- You can control your Inbox or Outbox, also you can reply to a message or print it.
● Open new account, the application allows you to open a new saving or current account.
1. Choose the type of account, 2. Select the currency, 3. Click Submit, 4. Click Back to make any
change, or Confirm to go on and in the end click OK.
● Exchange rate Inquiry: gives information about current exchange rate
● User Manuals.