Online Banking/Bill Pay
Banking Has Never Been Easier For Union Bank Customers
With Union@Home you can bank where you want when you want. It's so easy, all you need is a personal computer and you'll have instant access to all of your account information.
You Can Go Online 24 Hours A Day, 7 Days A Week
Bank at your convenience. At home. At work. You can access Union@Home anywhere and get all your financial information quickly and easily.
Union@Home Gives You Instant Access
- Check account balances and transactions.
- See if checks have cleared and deposits have been credited.
- Transfer funds between accounts.
- Your access is safe and secure.
Union@Home Gives You Up-To-The-Minute Information On All Of Your Accounts
With just the click of a mouse you'll get detailed information on all of your banking transactions.
You Can Even Transfer Funds Between Accounts
It's easy to move money between all of your Union Accounts directly from your personal computer.
Pay all your bills with Power Pay
Once you're a Union@Home subscriber, you can sign up for Power Pay and pay all your bills online. You receive your first 10 paid bills at no charge, per monthly statement cycle, and it's only .50 cents per bill there after.
It's Easy To Get Online At Union Bank
From our website (www.unionbankofmena.com) you can log on to Union@Home, apply while you're online, or call 479-394-2211 and we'll show you how Union@Home can bring the best in hometown banking directly to your home.
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|
|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 an eight-digit number/letters 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, ect.
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 falls in this category and is not shown on your listing, simply call customer service at 479-394-2211 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 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: There is no monthly fee. The first fifteen items are free each statement cycle, each item after 15 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 email email@example.com for assistance.
With proper safety measures in place, your Union@Home transactions remain confidential and safe. The following measures have been taken to ensure your privacy:
Secure access and Verifying User Authenticity:
Unique ID and Personal Identification Number (PIN) - In order to access Union Bank of Mena's Online Banking, you must enter a unique User ID and PIN.
Account "Pseudo" names - Union Bank of Mena does not display your account numbers over the Internet. Instead, we allow you to choose a "pseudo name" for each of your accounts. For example, Home Checking, Judy's Savings, etc.
Automatic log-off - If you are logged on to Union@Home but do not use it for 10 minutes, you will not be able to proceed until you "re-log" onto the system.
PIN "lockout" system - To keep unauthorized individuals from accessing your account by guessing your PIN, we have instituted a PIN lockout system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system.
Secure Data Transfer:
Encryption - The latest encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to Union Bank of Mena. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.
Router and Firewall:
Other Security Measures - In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.
How you can protect your Internet security?
While Union@Home works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Union@Home account information is protected, including:
- Keep your PIN to yourself
- Change your PIN frequently
- Remain at your computer until your Union@Home transactions are completed and log out. Log out of Union@Home prior to visiting other Internet sites
- If you notice suspicious or unusual activity on your Union@Home accounts, call (479) 394-2211.
- Do not change your "pseudo name" for your Union@Home accounts to your account numbers.
The USA PATRIOT Act
According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase
But there is hope ...
The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more of the following types of identification:
- Driver's license
- Passport and country of issuance
- U.S. taxpayer identification (ID) number
- Alien ID card
- Any other government-issued document evidencing nationality or residence.
Union Bank Online Banking Services Agreement and Disclosure
This Online Banking Services Agreement and Disclosure (“Agreement”) is entered into between Union Bank (the “Bank”) and the undersigned customer of the Bank, who hereby subscribes to Union Bank Online Banking Services. This agreement discusses how you can use Union@Home to obtain information about your account, transfer funds between your accounts, request certain other bank services, and pay bills. It also contains the terms and conditions governing Union@Home. The customer is referred to in the Agreement as “you” or “your”. The Bank is referred to in this Agreement as “Bank”, “we”, “us” and/or “our”. If you use Union@Home or permit another to use Union@Home on your behalf, you agree to the terms and conditions stated in this Agreement.
1. SCOPE OF AGREEMENT
1.1 Other Accounts, Loan Agreements and Services.
This Agreement governs your use of our Internet Banking and Bill Pay services Bank. The terms and conditions set forth herein are in addition to, and do not cancel or supersede, any other agreements or signature cards governing your deposits, loans or other business relationships with the bank. All of the terms, conditions, agreements, representations, schedules, disclosures, and fees set forth in or association with such other agreements and signature cards remain in full force and effect. However, the persons you authorize to have access to and make transfers from your account(s) through Union@Home may not be the same persons who are authorized to sign on the account under your other agreements and signature cards with us. In cases where our authorizations to other persons do not coincide with your authorizations for the same account(s) under the signature card agreement(s), the signature card agreement(s) will govern Union@Home transactions.
1.2 Instructions and Fee Schedules; Amendment.
Any instructions we may issue for the use of Union@Home (collectively, “Instructions”) and may issue are a part of this Agreement and are incorporated herein by reference.
The current Union@Home fee schedule is attached to this Agreement as Schedule A. The fees and service charges provided for in your deposit, line of credit, loan, and other agreements with us, as described in the Bank’s Schedule of Fees and Charges, may apply to services ordered online.
Subject to any applicable notice requirements imposed by the Electronic Fund Transfer Act (“EFTA”) and Regulation E “(Reg E”) hereunder, the Bank may change or add any fees, modify the instructions for Union@Home , or otherwise amend this Agreement in whole or in part at any time.
Either you or the Bank may terminate this Agreement at any time upon giving written notice of the termination to the other party. Termination will not affect any liability or obligation of either party incurred hereunder prior to termination. For reasonable cause including non-usage or inactivity, the Bank reserves the right to terminate this Agreement and your access to Union@Home , in whole or in part, at any time without prior notice to you. Upon termination, we reserve the right to make no further payments or transfers from your account(s) pursuant to this Agreement, including payments or transfers you have previously authorized. If you terminate your Union@Home services, you authorize the Bank to continue making transfers you have previously authorized until such time as the Bank has had a reasonable opportunity to act upon your termination notice. You agree that upon termination of your Union@Home services, either by you or by us, you will cancel all automatic or recurring transfers you have previously authorized, and that if you fail to do so, you are responsible for such payments.
2. DESCRIPTION OF AND LIMITATIONS ON UNION@HOME
2.1 General Description of Services.
In general, the Union@Home package enables you to:
- Search transaction histories and obtain balance information with the Bank you include in your Union@Home program, which may include checking, savings, money market, certificate of deposit, line of credit, installment loans, real estate loans and commercial loans.
- Transfer funds between your transaction accounts.
- This list is not exhaustive and the Bank may offer additional or different Union@Home services in the future, all of which will be governed by this Agreement, as amended.
2.2 Power Pay Service.
PowerPay is an electronic payment system which permits you to initiate and authorize payments from your accounts to payees which you have selected in advance to receive payments by means of this service. (A payee is a person or business you are paying). You have the option of setting up a payment to occur only on demand or on a recurring frequency. Recurring payments are payments of a fixed amount that are paid at a regular time interval, such as monthly; and on demand payments are payments that vary in amount and/or date. After you have established a recurring or on demand payment, the Bank will automatically execute bill payments according to your instructions until you have properly notified the Bank, in accordance with the Bank's procedures in effect at the time, of any cancellation of your instructions. You may notify the bank by either writing us at P. O. Box 898, Mena, Arkansas 71953, or e-mail via the "Contact Us" option.
To participate in Union@Home Power Pay, you must have a checking account with Union Bank. If you participate in this service, you may use PowerPay to make payments from any of your checking accounts.
To pay bills using PowerPay, you must use your computer and the Union@Home software product to authorize a payment from your account. After your instruction is received, payment will be made either by transferring funds electronically from your account to the payee or by preparing a paper check to the payee via first class mail. Your payment will be sent within 48 hours of your selected payment date.
You may use PowerPay to authorize automated recurring payments in order to pay recurring bills. These payments must be for the same amount each month, and they will be sent on the same calendar day of each month, or on the following business day if the regular payment day falls on Saturday, Sunday or federal banking holiday.
When you have entered and transmitted payment instructions, you authorize the Bank to withdraw funds from your account accordingly. These funds are taken from your account on the day of your scheduled payment. If there are insufficient funds in the account to make an electronic payment, payment will not be made. If making a payment by check and there are insufficient funds in the account to pay the check on the day it is presented for payment, you will be responsible for any non-sufficient funds or overdraft charges the Bank may impose, as stated in the deposit agreements governing your accounts. The Bank reserves the right to refuse to honor payment requests that reasonably appear to the Bank to be fraudulent, incomplete, erroneous, or if you do not follow the Bank's instructions for PowerPay. In addition, the Bank will not be able to execute any bill payment if the payee cannot or will not accept such payment.
Using PowerPay, you can only pay payees with United States addresses. While most payments can be made using Power Pay, the Bank reserves the right to refuse to pay certain payees. The Bank also reserves the right to terminate your use of the PowerPay service. Due to liability issues, we will not accept payments to federal, state or local tax agencies, or payments to settle securities transactions.
When scheduling payments, you should take into account delays that are inherent in processing and sending bill payments. In general, bill payments may be scheduled for the current business day or any date in the future, and we will process your payment on the date you schedule. However, a bill payment may not actually be sent until two days after it is processed, so you should schedule a payment for at least two business days before you wish it to be sent. Payments will only be processed once a day at 12 noon Central Time. If you attempt to schedule a payment for the same business day after 12 noon Central time, or on a non-business day, it will not be processed until the following business day. If the payee is to be paid by paper check, you understand and agree that the check is mailed to the payee and may not be received by the payee until 5 to 8 business days or more after it is debited from your account. If the payee is to be paid electronically, you understand and agree that the payee may not receive the payment until 72 hours or more after it is debited from your account. Further delays may be caused by the failure of the payee to process a payment on the business day that it is received. You authorize Union Bank and any third party processing agent that we may select to use any payment method (electronic or paper) we choose to process each of your payments. It is your responsibility to authorize your bill payments in such a manner that your bills are paid on time. You are responsible for any late payment or finance charge that may be imposed as a result of your failure to schedule payments or transmit payment instructions in a timely manner. We are not responsible for any delay or other adverse consequence that results or is alleged to result from the choice of payment methods, from delays in the delivery of mail or the improper handling or transmission of payments by a third party or the failure of a payee to accept, process or properly post a payment in a timely manner.
To cancel a bill payment that you have scheduled, you must cancel the payment online by 11 a.m. on the date the payment is scheduled to be debited from your account.
|Union@Home Online Internet Banking||No charge|
|Union@Home Power Pay||No monthly charge
• No charge for first 10 items, per monthly statement cycle
• 50 cents each after 10
2.3 Types of Transfers and Limitations.
You can make an internal transfer of funds from one account with the Bank to another, such as a transfer from a savings account to a checking account. Transfers may be limited in amount as provided in our agreements with you governing these services or in accordance with bank policies. In addition, your ability to transfer funds between certain accounts is limited to federal law, as stated in your deposit agreements with us. For example, you can make no more than six (6) transfers from a savings or money market account during each statement period. Transfers made using both Union@Home and other transfer methods described in the Deposit Agreements are counted against the permissible number of transfers. The bank reserves the right to further limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as the Bank may determine at any time at its sole discretion.
2.4 Overdrafts; Order of Payments.
It is your responsibility to ensure that you have enough money or credit available in an account from which you instruct Union@Home to make a payment or transfer. If funds are withdrawn from any of your accounts by means of electronic fund transfers, other than through Union@Home on same business day as a Union@Home transaction, and if the account contains insufficient funds to enable both the electronic funds transfer and the Union@Home transfer to be made, the transfers will be made in the order determined by the Bank, in its sole discretion. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree to reimburse us upon our demand, and you further agree that we may reverse the transaction or offset the shortage with funds from any other deposit accounts(s) you have with us to the extent permitted by the applicable law and the terms of any other relevant agreements.
2.5 Computer Requirements.
In order to use Union@Home, you must have your own Internet Service Provider and the necessary computer equipment required by the browser, which you select. In this Agreement, your computer and the related equipment are referred to together as your “Computer”. You are responsible for the installation, maintenance, and operation of your Computer and your software.