Online Banking FAQ's
Here are some FAQ's that many of our customers usually have.
Q: What is Union @ Home?
A: Online Banking allows our customers a secure and convenient access to their accounts using the internet anytime of the day, any day of the year. Some of the functions available with Online Banking are:
• Access and print information on all accounts including loans.
• Review and print transactions and statements.
• Confirm deposits, withdrawals and checks cleared.
• Transfer funds between accounts and make loan payments.
• Download transactions to the leading financial management programs.
Q: What do I need to access Online Banking?
A: You will need a connection to the internet, and a Web Browser, which supports 128-bit SSL encryption. See chart below for a list of supported versions. You may contact either of these vendors for a current copy of their browser. Online banking works on any operating system that supports the browser listed below. You also need accounts with our banks and an assigned user ID and PIN.
|Microsoft Internet Explorer (IE)||Version 7.0 - 8.0|
|Microsoft Internet Explorer (IE)||Version 9.0 (after June 14, 2011)|
|Firefox||Version 3 and Higher|
|Safari||Version 4.0 and Higher|
Q: Do I have to register to use Online Banking?
A: Yes, a one-time application is required. Once the application is received by the bank and the information verified, we will issue an Identification Number and a PIN (Personal Identification Number). These numbers will be mailed to you under separate cover. You will use these numbers the first time you log-in and you will be required to change the PIN to a eight digit numerical and letter combination of your choice. That PIN will be used whenever you log in. Union Bank recommends that you do not choose an easily-identifiable PIN such as your social security number, telephone number, etc.
Q: What if not all my accounts appear on my account list?
A: You must be a sole or joint owner on an account to have it added to your profile. If an account fails in this category and is not shown on your listing, simply call customer service to have it added.
Q: How current is the information about my accounts?
A: Account transactions and balances are real-time and may change during the day as you carry out transactions. There may be delays from time to time because of processing or system issues, which we cannot control.
Q: What is Power Pay?
A: Power Pay is the online banking service that allows you to pay bills electronically or by check directly from your checking account.
Q: How do I enroll in Power Pay?
A: On the top right of each page, you'll see "Enroll" Click on "Apply for Online Banking" and it will take you to a an application. Check "Power Pay" and complete the application. Once you submit the application to us, we'll activate Power Pay on your Internet account and will advise you by e-mail.
Q: What is the fee for Power Pay?
A: No monthly fee with 15 items free each statement cycle; after the first 15, each item is 50 cents.
Q: Who can I pay with Power Pay?
A: You can pay a bill to anyone, either by check or electronically. You will enter the payee information, address, your account number and Power Pay will create and mail a check for you. If the payee is in the electronic database, the bill will be paid electronically.
Q: How much time should I allow for a payment to be made?
A: Electronic payments are sent within 24 hours; checks are mailed within 24 hours of the time they are entered on Power Pay. Electronic payments are generally received by the payee within 72 hours. Check payments are mailed; normal mail time should be allowed.
Q: What if I have a problem or a question?
A: You can call Union Bank at 479-394-2211 or e-mail firstname.lastname@example.org for assistance.