Frequently Asked Questions

What do I need to access online banking?

In order to access online banking you must have a PC attached to a phone line with a modem. You must also have a web browser such as Netscape Navigator 4.75 or Microsoft Internet Explorer 5.5 or higher versions running under Windows 98, ME, 2000 or XP or MacOS 7.5 or higher, and an Internet Service Provider.

What must I have to sign up for online banking?

We require that you have a checking account with United Bank.  You may stop by your branch or call the Contact Center at (770) 412-7211, (770) 358-7211 or (706) 646-7211 to request a sign up package.

Will I be able to use online banking for my personal accounts and my business accounts?

If your business is a sole proprietorship and uses your personal social security number, you'll be able to access all of your accounts with one user name and password. If your business has a federal tax ID number, you will need a separate user name and password for your business accounts.

How safe is my account information?

Every user has an id and password, challenge and response area before gaining access to our system. The user name and password provides a linking to your customer number which provides the mechanism for access to accounts. Therefore, if you are not listed as an owner of an account, you will be denied access to the information. Finally, United Bank utilizes Netscape's Secured Socket Layers (SSL) which provides session encryption of all information exchanged from your PC to our servers. This protects unwanted monitoring or eavesdropping while reviewing your account through online banking.

Will I be able to access my daughter/son's account or be able to transfer funds to their accounts?

You will only be able to access accounts that you own or co-own with others. Your online banking access is driven by your social security number. If your SSN is not listed on an account in a primary or secondary position, you will not be able to view the account.