E-CHECKING

If you like your home computer…you’ll love E-Checking.

You can view or print your account statement right from you computer.

Statements are available the 1st  business day of each month.

Interest paid monthly on your account balance.

We store 12 months of statement accessible from our Internet Bank site. No more hunting for lost statements or digging through the old mail.

For more detail on how to convert your present UB&T checking account to E-Checking, contact up by email or phone.

–No minimum balance required
-Interest on balances -25 free checks per month, $.25 per check over 25

-Statements available by internet only, monthly
-No service charges with a UB&T home mortgage or related account balances.

What is bill pay?

This new technology called “bill pay” is the most convenient service to be introduced since ATM’s. As a subscriber, you can pay any bill by Internet or from touch-tone phone 24 hours a day 7 days a week.

How do I get started?

Complete an enrollment form from our website. Click on Internet Banking and enter your passwords. Click on Bill Pay and then on the Enroll button. Fill in the entire application and Submit. Your bills/merchants can be set up online or by phone once you have received a confirmation letter from us.

 

What is the cost of PayMate bill pay service?

By paying one bill per month through PayMate, all PayMate services are free!

Is there anyone I cannot pay through electronic bill pay?

Only government taxing authorities or court directed payments such as alimony and child support. No payments outside the U.S.

Should the processing date I give be
the date the payment is actually due?

No. You should allow 5 business days for payments to reach your payee. Be sure to remember that, although you can schedule a payment at any time, payments are actually sent to payees only on business days.

How far in advance can I schedule a payment?

You can schedule a single payment for up to 60 days in advance.

How soon are funds actually take out of my account?

Bill payments are debited from your account on the processing date you requested.

What happens if I don’t have enough money
in my account to cover a bill payment?

If funds are not available on the requested processing date, your bill payment will be cancelled. If you have overdraft protection with a Check Credit Line your bills would be covered up to the limit of your credit line.

When and how are my payments delivered and how can I ensure that my payee receives my payment by the due date?

You may schedule payments to be initiated on the day you enter the information, on a future date or on the same date each month. Although you can enter payment information 24 hours a day 7 days a week, payments can only be initiated on business days.

After funds are withdrawn from your account, we may remit your payments by electronic funds transfer, or if the biller does not accept electronic payments, by mailing your payee a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they would not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be 5 business days before the bill’s actual due date.

How close to the original payment date
can I change or cancel a bill payment?

You can change or delete a bill payment up until 3:00p.m. CST of the processing date you originally gave us.

What should I do if a payee has not posted my payment?

First, be sure to allow the 5 business days for a payee to receive your payment. If a payee does not post your payment within 5 business days of the date you requested the payment to be processed, simply dial the bill paying system at 1-877-576-9942 and press “0” for subscriber services. We will follow up on the payment and get back to you within 24 hours. Or you may send an email from the PayMate bill pay screen.

How do I add payees?

You may use the “SET UP ACCOUNTS & PAYEES” button online, or dial “0” for subscriber services when using a touch-tone phone. A representative will process your request within 24 hours. Once you are given a merchant code, you will be able to make payments to this payee immediately. Merchant codes are only needed when you are using a touch-tone phone for bill paying.

How can I prove payments and transfers were made?

Each time you enter a payment you are given a transaction number so you can be sure we received your request. You can also request an email confirmation to be sent to you when the bills are processed. In addition, payments will appear on your monthly statement. Or, you may call the electronic bill pay system to hear a listing of your most recent transactions.

How can I be sure no one else can access my bill paying service?

You will access the system by entering the User ID and Password chosen by you. Only individuals with this information can access your account. Be certain not to release this information to anyone you do not want to fully authorize as a user on your account. SAFE GUARD!!

• Purchase U.S. Savings Bonds

  If you are a Web Teller customer, you can purchase U.S. Savings Bonds directly from our web site. Click here to enter Web Teller.

• Additional Helpful Information

  Bond Wizard; Software to keep inventory of bond holdings and calculate values.