Electronic Banking FAQ's
Online Banking FAQ’s
What are the features of Online Banking?
What days of the week can I use Online Banking?
How much does Online Banking cost?
Is Online Banking safe and secure?
How do I get started banking on-line?
What kind of browser do I need to have?
What is a User ID?
When will my transfers show in my account?
How long is account history retained in Online Banking?
What happens if I open a new account after I am already signed up for Online Banking?
What should I do if I think someone has my access codes?
What happens if I don’t log off of the system?
Are there limits on the number of transfers I can make?
Can I stop or modify my request to transfer funds?
Will I continue to receive a paper account statement in the mail?
What if I forget my PIN?
What can I do to keep my information secure?
Is Online Banking available for business accounts?
Can business accounts and personal accounts be combined under the same client online set up?
Bill Pay FAQ’s
What is Bill Pay?
How much does Bill Pay cost?
How do I sign up for Bill Pay?
Who can I pay with Bill Pay?
What happens if I have a scheduled payment that falls over a weekend or holiday?
How long is the Bill Pay history retained in the View Payment History section?
How quickly are payments withdrawn from my account when made electronically?
How quickly are payments withdrawn from my account when made by check?
When should I set up my payments to make sure they are paid on time?
How will I know what payments have been made?
What if my payee says they have not received my payment?
Do I need to contact my payees to tell them I am using Bill Pay?
Can I place a stop payment on a bill payment that I have already set up?
When are payments for Bill Pay processed?
How do I know if a bill will be paid electronically or by check?
Can I edit a payee’s address?
How far in advance can I schedule payments?
Can I have multiple payments to the same payee on the same day?
What does the “status” field indicate on the Payment History Page?
Is there a limit to the number of payees that I can create?
Can I set up recurring payments?
Will the memo field information be passed on to the payee?
What are the maximum and minimum payment amounts?
When can I cancel my Bill Pay Service?
Who do I call with questions?
Mobile Banking FAQ's
What is Mobile Banking?
Why should I use Mobile Banking?
Is there any cost to use Mobile Banking?
How can I get Mobile Banking?
Is my mobile device secure to use?
What if my phone gets lost or stolen?
How do I know that I am downloading the right app?
Can I access my Bill Pay through Mobile Banking?
Who do I call with questions?
Online Banking FAQ’s
- Access, review and print information on all accounts, including loans
- Confirm deposits, withdrawals and checks cleared.
- Transfer funds between UNION Savings BANK accounts and make regular loan payments.
- Download account information to financial management software.
- Pay your bills with Online Bill Pay.
Q: What kind of browser do I need to have?
A: You will need a connection to the Internet, and a Web Browser that supports 128-bit SSL encryption. Online Banking works with the most popular browser types but please check the online banking terms and conditions for more specifics.
Q: Why does it say that my account is locked? And what do I do now?
A: As a security measure, and for your protection, accounts will lock for several reasons such as inactivity or the incorrect password being entered too many times in a row. If you are locked out, please contact customer service during regular banking hours for additional assistance.
Q: What should I do if I think someone has my access codes?
A: Immediately change your password in online banking. This feature can be accessed under the Options menu. Additionally, please contact the bank during business hours and ask to speak with customer service.
Q: What happens if I don’t log off of the system?
A: Online Banking has a ten (10) minute time out feature. If the system has been inactive for over ten minutes, the user will be required to re-enter their Access ID and password.
Q: Are there limits on the number of transfers I can make?
A Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers that can be made. However, savings accounts and money market deposit accounts, by federal regulation, have limits to the number of permissible transactions. More information is available by contacting the bank or this information can be found in the disclosures provided at the time you opened your account.
- Do not use an obvious number (for example, 1234) or other accessible information for your Access ID or PIN.
- Ensure no one is watching when you enter your Access ID and PIN.
- Try to memorize your Access ID and Password, rather than writing them down.
- If you record your Access ID and Password, store the document in a secure place.
- Do not allow Windows to automatically save your online passwords.
- Do not share your Access ID and Password with others.
- Change your Access ID and/or Password on a regular basis.
- Report any unusual account activity immediately.
- Do not provide personal information, including passwords, over the phone.
- Always log out of the system.
Q: Can business accounts and personal accounts be combined under the same online set up?
A: Not generally. Online setups are done on an individual basis, and businesses are considered to be a separate entity.
Bill Pay FAQ's
Q: What is Bill Pay?
A: Bill Pay is a convenient way to pay all of your bills over the Internet. You can set up future and repeat payments as well as check the status of your payments. Payments are made electronically (ACH) whenever possible. If the payee doesn’t accept electronic payments, a paper check is automatically prepared and mailed to them.
Q: How much does Bill Pay cost?
A: Bill Pay is free for customers in our Lifetime or eChecking accounts. Otherwise, the cost for Bill Pay is $4.95 per statement cycle, which includes twenty free bill payments each cycle. If you make more than twenty payments in one statement cycle, the fee for each transaction is $0.50 each. The fees are waived for the first three statement cycles after you have signed up and been approved for Bill Pay.
Q: How quickly are payments withdrawn from my account when made by check?
A: Payments made by check are withdrawn from your account after the payee has received and presented the check for payment and the check is then processed by our bank.
Q: When should I set up my payments to make sure they are paid on time?
A: The date you select using the calendar feature of bill pay should be on or slightly before the bill due date. Bill Pay will show you the date the payment will be applied at the biller in the calendar. For payments being made by check, you should allow a minimum of seven (7) business days.
Q: What if my payee says they have not received my payment?
A: If a payee notifies you that a payment has not posted, please call the online banking customer service department. We will investigate the payment in question and will work with you to resolve the issue.
Q: Do I need to contact my payees to tell them I am using Bill Pay?
A: No. Using the Bill Pay service will not change the way your payments are credited with the payee or how money is debited from your accounts.
Q: Can I stop bill payment from being processed?
A: You can cancel certain bill payments in Bill Pay if they have not reached yet reached a processing status. Please contact us if you need to amend or stop a bill payment so that we can review all options available for the transaction.
Q: When are payments for Bill Pay processed?
A: Bill Pay payments are processed each day at 7:00 PM CST. Payments entered after that time or on a non-business day, the transaction will be processed on the next available business day.
Q: How do I know if a bill will be paid electronically or by check?
A: The Bill Payment system will automatically determine the method of payment based on your prior history with Bill Pay and the terms and conditions we have established with the Biller.
Q: Will the memo field information be passed on to the payee?
A: Generally, yes, the information in the memo field is passed onto the payee. It is a good idea to include your account number with the payee in this field.
Q: When can I cancel my Bill Pay Service?
A: You may cancel your Bill Pay services at any time. However, you will be charged for the current month’s service during the next statement cycle. Please note that all scheduled payments will be deleted immediately upon cancelation of Bill Pay services.
Mobile Banking FAQ's
Q: What is BANK Mobile Banking?
A: In short, with UNION Savings BANK Mobile Banking, you can be sure that your banking account is with you and accessible at all times! You can securely access your UNION Savings BANK accounts from most mobile device types to check your account balances, transfer funds, pay bills and find the nearest branch or ATM and more!
Q: Why should I use Mobile Banking?
A: UNION Savings BANK's Mobile Banking service is just one more convenient way to access your account information. You can use many different mobile device types - from tablets to smart phones to get up-to-the-minute information on your accounts.
Q: Is there any cost to use Mobile Banking?
A: Our Mobile Banking service is absolutely free to use - just one more reason to enroll today! Please keep in mind that message and data rates may apply from your phone carrier. Please check your mobile service provider plan for details.
Q: How can I get Mobile Banking?
A: It's really easy to enroll for Mobile Banking! First you need have a current online banking access id and password. Then, you can simply download the app from your device app store or login to online banking and select the Options tab to enroll manually. See the mobile banking page for more details!
- Smart phones such as Iphones, Android and Blackberry devices have very controlled and secure operating systems.
- Mobile Banking uses 128 bit SSL encryption just like Online Banking - which simply put, encrypts and protects the transmission of data including your financial data during app usage.
- Mobile Banking uses strong Firewalls, just like Online Banking - which protects you from unauthorized or malicious intrusion during app usage.
- Mobile Banking uses your Username and Password for access - just like Online Banking. And similar to Online Banking, failed attempts to login will trigger a lockout, further protecting your account from unauthorized access.
Q: What if my phone is lost or stolen?
A: In the rare case that you lose a device, first contact the bank to update your mobile banking account. We can disable the device and prevent it from accessing mobile banking. If the loss occurs outside of normal banking hours, you can rest assured that your password is never stored by the app and that any active sessions will expire after a short period of inactivity. Also, bad password attempts will also trigger a lockout that requires the bank to reset the password and devise.
Q: How do I know I am downloading the right app?
A: Only download the app from reputable sources (e.g. Apple App Store, Google Play) or directly from the links provided through Online Banking. Please check the mobile banking page for detailed instructions on this process.
Q: Can I use Bill Pay in Mobile Banking?
A: Absolutely! You need to first be enrolled in online banking user with Bill Pay (you can self-enroll for both if you haven't already). Once you are enrolled, bill pay will be available in the mobile banking app. Please keep in mind that depending on the account type you have, Bill Pay may be a service that you are charged for each month. Please check the disclosures you were provided at account opening or contact us to review.