FAQs
Internet Banking FAQs
Q: How do I apply for UBTC Online Banking?
A: Visit the Online Banking Login section of the homepage and click 'Personal' or 'Business' in the 'Apply Now' section. This will take you to our Electronic Disclosure Consent Statement. After you read the disclosure and check 'I Agree' you will be taken to the Internet Banking and BIll Payment Agreement. After you read the disclosure and check 'I Agree' you will be taken to our Online Internet Banking Enrollment Form.
Q: What do I need to enroll for Online Banking?
A: You must have an account with us, and you must have a secure Internet connection. Our Online Banking system currently is best viewed with the latest versions of Internet Explorer and Firefox. Your browser must also be SSL compliant with 128 bit encryption.
Q: Can I receive my bank statement electronically?
A: Yes, UBTC does offer E-Statements to our Internet Banking customers.
Q: How do I sign up for E-Statements?
A: When applying for Online Banking simply select ‘Yes’ when answering the question ‘Would you like to receive your statement and other disclosures in electronic format only?’ If you already have an Online Banking account select ‘User Services’ and click on ‘EStatement Only’ or choose the account you wish to opt in to E-Statements, view the statement and select the ‘Opt in for this account’ button.
Q: What type of security do you offer?
A: Our Online Banking system uses many lines of defense to protect your account information. From authentication, SSL, exclusive encryption software, high-end firewalls, and automatic sign-off, your information is always safe -- it’s like having a bank vault online.
Q: What does SSL mean?
A: SSL stands for “Secure Socket Layer.” This technology allows users to establish sessions with secure Internet sites - meaning they have minimal risk of external violation. Once inside the Internet Banking site, our use of SSL technology keeps you and your account information secure.
Q: What can I do to protect my account information while I’m online?
A: We take numerous steps to keep your account information secure. However, you must take precautions as well.
- Choose a good passcode - Your online passcode, along with your access ID, authenticates you when you begin an Internet Banking session. You should carefully select a passcode that is hard to guess. You should not use personal information or a word that can be found in the dictionary.
- Keep your passcode safe - Even the best passcode is worthless if it’s written on a note attached to your computer or in your checkbook. Memorize your passcode and never tell it to anyone. We do not need your passcode to help you, so we will never ask you for it.
- Change your passcode regularly - It’s important to change your passcode regularly. Every time you choose a new passcode, the Internet Banking system runs a quick program to test it. If we can guess it, we will immediately ask you to choose another one.
- Remember to sign-off properly - You may not always be at your own computer when you bank online. Therefore, it’s important to sign off when you’re finished banking. If you forget to do so, the system automatically signs you off after 10 minutes of inactivity. This will prevent anyone else from accessing your account.
