Commercial Services
One of the greatest challenges a business faces is efficiently managing their financial accounts and transactions. For some businesses, this task is a constant headache, while other businesses seem to breeze through this challenge with no problems. At United Bank & Trust Company we offer an array of products and services to ensure you are in the “breeze” category! Contact us for more information on the availability, terms and fees for each product. Start enjoying a new level of control over your company’s cash flow today!
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Do your banking from your home or office any time it works for you! Conveniently access your business accounts using United Bank & Trust Company’s safe, secure and private Commercial Internet banking program. Available services include:
- Transfers among bank accounts
- Loan payments
- Balance Reporting
- View images of cleared checks
- View up to 24 months of account histories
- View up to 2 years of statements
- Stop Payment Requests
- Scheduled, recurring or one-time bill payments
- Order checks online
- Ability to download to financial management software
- View dollar amounts of clearing items
- ACH origination with dual control (credit/debit)
- Direct Deposit Payroll
- NACHA Import
- EFTPS (Electronic Funds Tax Payment Service)
- Wire transfer origination with dual control & repetitive templates
- Establish controls for Sub-users
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With our check imaging system, you can view, print and store images of cancelled checks. Check images – both front and back sides - are available online if you use our Internet Banking program. If you receive a paper monthly statement, images of the front side of your cancelled checks are included with your statement (unless you have a Valu Checking account). Images of the front and back sides of your cancelled checks can also be burned to a CD for convenient storage. Our online and CD options allow you to search for check images by date, check number or amount. If you write a lot of checks for your business, you’ll appreciate the convenience and efficiency of check imaging!
CARD SERVICES
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If your business accepts payment by credit or debit cards, United Bank & Trust Company can help you evaluate the best option for processing these transactions and then provide you with on-site training to learn how to use the equipment and how to complete transactions. Our merchant card customers recognize the value of the exceptional customer service we provide on an ongoing basis.
Card processing options include:
- Mechanical imprinters with dial-up telephone authorization
- Electronic touch-tone swipe terminals with dial-up or auto-dial authorizations
- Fully automatic swipe terminals (with or without PIN pads) with auto-dial authorizations
- Internet based authorizations (with or without a swipe machine)
Touch-tone and electronic terminals are available on a rental or purchase basis from United Bank & Trust Company.
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Simplify your accounting and maximize your convenience with a separate credit card for business expenses. We offer the Business Edition Visa Card and the Business Edition Plus Visa Card for making the credit card purchases you need.
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United Bank & Trust Company debit cards are excellent tools for many business situations. In addition to the features and advantages of traditional debit cards, the option to have multiple cards, each with a specified limit, is available. All cards are tied to one business checking or savings account so you can control and monitor card usage quickly and conveniently.
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