Q: What is UBTC mBanking?
A: UBTC mBanking is the ultimate on-demand service, providing you the triple play mobile solution of smart phone mobile apps (iPhone®, iPad® & Android®), mobile web and text banking. mBanking is available free of charge to all UBTC Online Banking customers.
Q: How much does it cost?
A: United Bank & Trust Company does not charge for mBanking services. However, there may be charges associated with text messaging and data usage on your phone. Check with your carrier for more information.
Q: Is it secure?
A: Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your device is not in use. Only the devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your device. And in the event your device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Mangement website or calling UBTC.
Q: Do I have to be enrolled for UBTC Online Banking to use mBanking services?
A: Yes, you must first have a UBTC Online Banking account.
Q: What is Enrollment?
A: Enrollment is a one-time process that helps ensure your security. The enrollment process for both native and mobile browser Mobile Banking applications requires you to download the application, sign-in using your online banking username and password, answer your security question, accept the Terms and Conditions, and finally enter your device phone number (not applicable for tablets). The enrollment process for SMS text banking requires you to log in to online banking, select the Mobile Management link under the User Services tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.
Q: Will UBTC smart phone apps work on all mobile devices?
A: UBTC smart phone mobile apps have been developed for iPhone®, iPad® and Android® devices.
Q: Where do I download the UBTC iPhone®, iPad® and Andoid® apps?
A: Download the UBTC mobile apps for free from the Apple Store or Google Play - simply search for UBTC!
Q: What accounts can I access with UBTC mobile and text banking?
A: UBTC mobile banking and text banking allow you to access any of your accounts available for access within Online Banking.
Q: What can I access from the UBTC smart phone app or mobile web?
A: View real-time account balances, check images, transaction history, transfer funds between accounts, pay bills, utilize UBTC calculators, link to our locations, ATMs and Hours page, view the FAQs from our website and view the Meet Our Staff page from our website.
Q: Can transfers be made using UBTC mobile banking?
A: Internal transfers can be made using the mobile service. The transfers page will list all approved online transfer accounts.
Q: What is the UBTC mobile web browser address?
Q: What is UBTC Text Banking?
A: Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.
Q: What is the UBTC shortcode?
A: All text messages will come from, and should be sent to, 96865
Q: What are the UBTC text banking commands and shortcuts?
A: Text Banking Commands: B=Balance; H=History; C=Command, HE=Help, L=Login; S=Stop. Text Banking Shortcuts help the user access specific account balances or transactions quickly by providing both the command and account number at the same time. Example shortcut commands are: B 2, H 1, BAL 1, HIST 2. NOTE: You can check for additional available commands by activating your phone and sending C to 96865.
Q: What is Mobile Check Deposit?
A: Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile device into one of your UBTC accounts. With the UBTC Mobile Banking app on your iPhone®, iPad®, or device utilizing the Android® operating system, you can take a photo of your check, enter the check information and securely submit your deposit for processing.