FAQs

Internet Banking FAQs

+ - Q: What can I do to protect my account information while I’m online? Click to collapse

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.

+ - Q: What does SSL mean? Click to collapse

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 type of security do you offer? Click to collapse

A: Our Internet 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: How do I apply for Internet Banking? Click to collapse

A: Visit the Online Banking Login section of the homepage and click ‘Apply Now.’  This will take you to our Internet Banking Agreement.  After you read the disclosure and check ‘I Agree’ you will be taken to the Online Banking Enrollment Form.  If you are a business customer you must complete and sign our Commercial Account Internet Banking Application  and return it to any UBTC office.

+ - Q: What do I need to enroll for Internet Banking? Click to collapse

A: You must have an account with us, and you must have a secure Internet connection. Our Internet 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: How do I sign up for E-Statements? Click to collapse

A: When applying for Internet 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 Internet 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: Can I receive my bank statement electronically? Click to collapse

A: Yes, UBTC does offer E-Statements to our Internet Banking customers.