Personal Convenience Services

Your day often begins before sunrise and it's still going strong as the clock strikes midnight. We know what that's like. With our digital banking tools, you get to choose the most convenient moment to manage your money. Even better, you can take care of things from pretty much anywhere life takes you.

Someone hands you - or mails you - a check. That's a good thing! But it's just a piece of paper until the funds end up in your account. These days, you can skip the trip to the bank and make lightning- fast deposits with your handy smartphone camera.

A picture must be taken of the front and back of the check. Federal Policy states that all mobile deposit checks should be endorsed for “Mobile Deposit Only”. You can do this by writing “For Mobile Deposit Only” or checking the box on the check, indicated for mobile deposit endorsement on the back of the check. We enforce this policy to protect not only you, the customer, but the bank as well.

All mobile deposit checks should be endorsed for “Mobile Deposit Only”. You can do this by writing “for mobile deposit” on the back of the check, or checking the box indicated for mobile deposit. Once you do either of those two options, re-deposit your check as you did before. Check your secure messages through your UB Mobi app or your email on the account if additional details are needed.

There are multiple options you can try to resolve the issue,

If you continue having issues and need further assistance, please contact eBanking at (251) 581-9008 or (251) 581-9004.

Deposits can be made using the UB Mobi app or by signing into Online Banking on your mobile device.

After confirming that the check has been deposited into your account, properly secure the item for at least 30 calendar days. 

The customer can call the issuer of the check and have them re-issue another check in its place, then redeposit the new check into their account. 

Deposits are reviewed and processed Monday through Friday from 8:00 a.m. to 5:00 p.m. 

Please contact the eBanking department at (251) 581-9008 or (251) 581-9004 for further assistance.

Sure, Debit Cards are nothing new - but they're still the most versatile financial tool in your wallet. Make fast purchases. Withdraw cash at thousands of ATMs and enjoy cutting-edge security features that protect your finances and personal data.

You don't have a traditional checking account. Maybe you're trying to teach your teen about financial responsibility or you'd rather not carry lots of cash when traveling. Here's the answer: A pre-paid debit card. Load it with any dollar amount. Use it to make purchases online or in stores. And then load it up again whenever it runs low.

Funds are available immediately upon loading the card or when a card-to-card transfer is completed.

The Advantage Account Pre-Paid Debit Card can be used to make purchases or cash withdrawals everywhere MasterCard debit cards are accepted.

You will want to select CHECKING at the ATM after you enter your PIN number for balance or cash withdrawals.

You may access your card balance as often as you like and make withdrawals up to your available balance. However, there may be a transaction fee associated with each withdrawal. For specific withdrawal limitations and other applicable fees, please refer to the documents received at card enrollment.

You may use your card to withdraw up to a maximum of your available balance or up to $500 per day at an ATM, however the maximum amount may be subject to limitations imposed by the owner of the ATM. You may use the card to make purchases or get cash in a branch of any financial institution up to maximum of your available balance or $5,000 per day.

You can obtain cash amounts below the ATM minimum by requesting cash back at a point-of-sale location or by cash advance from any participating bank.

You can choose text or email alerts when registering your card or visit www.myubadvantage.com anytime to turn on these options.

You can call the toll-free Advantage Account customer service line 24/7 at 1-800-416-6373 to receive assistance or visit online customer service at www.myubadvantage.com

Your Advantage Account provides 24-hour toll-free support. Immediately report a lost or stolen card by calling 1-800-416-6373. A replacement card will be issued and any available balance will be transferred to the new card.

Simply select "credit" if you want to sign when making a purchase with your Advantage card. Press "debit" if you are making a PIN based purchase or if you want cash back with your purchase.

The card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the Advantage Account at some merchants - for example, restaurants gas stations and mail-order companies - requires the card have an available balance greater than the purchase amount to ensure sufficient funds for tips or incidental expenses.

Normally, any authorization request that is greater than the card's available balance will be declined. However, there may be a situation when a MasterCard merchant puts an item through without prior authorization. In the unlikely event that a negative balance situation occurs, the amount of the negative balance will be automatically deducted from the card reload.

Most of us lead busy lives. Almost every day, there's money going into and out of our checking accounts. At United Bank, we know it's easy to lose track of exactly where your balance stands. That's why we offer overdraft protection services that keep your payments on track and help get your finances back in order.

Sweep Account: Link a secondary account - checking,  savings, or Money Market - to your primary checking account. If your primary account dips into negative numbers, funds will automatically be transferred - or "swept" - into it from the secondary account to cover the shortfall. Fees may apply.

Overdraft Protection Line of Credit: You may also apply for a special loan fund to cover checking shortfalls. This protects you from having payments denied for insufficient funds. Funds are automatically transferred from the credit line anytime you exceed your checking balance. You'll receive a monthly statement detailing any outstanding balance on the credit line. Fees may apply.

Overdraft Privilege: Overdraft Privilege is a service we add to your checking account to cover inadvertent overdrafts, subject to eligibility criteria explained below. With Overdraft Privilege we will generally pay your overdraft items up to $600 total. However, we reserve the right NOT to cover your shortfalls.

Overdraft Privilege Eligibility: No application is required for Overdraft Privilege - eligibility is at the sole discretion of United Bank and based on you managing your checking account in a responsible manner. Overdraft Privilege may be suspended or permanently removed based on the following criteria:

We offer check cashing that's fast, easy, and affordable. Bring just about any kind of check - personal, payroll, pension, government, insurance, or tax refund - to a United Bank branch, and get your cash immediately upon approval. It's easy to enroll in this service and no checking account is required.

The best place to store important documents, irreplaceable valuables and one-of-a-kind heirlooms? In a bank that offers first-rate security at an affordable price. At United Bank, our safe deposit boxes are offered in a variety of sizes, with each designed to give you the ultimate peace of mind.

All-steel construction for durability and strength. Spacious, felt-lined interiors to prevent damage to belongings. That's the type of place you want to store documents and other valuables. At United Bank, our storage compartments offer reliable and easy-to-access alternative to safe deposit boxes.

There are so many smart reasons to sign up for E-Statements:

Going paperless is an easy way to save a tree and produce less waste.

Getting your statements digitally is much more secure than having paper statements sent to your home mailbox.

You can download and save statements to your computer and access them easily any time you need them.

It doesn’t cost anything to go green, be more secure, and enjoy additional convenience.