Frequently Asked Questions
Online Banking FAQ’s
What are the features of Online Banking?
What days of the week can I use Online Banking?
How much does Online Banking cost?
Is Online Banking safe and secure?
How do I get started banking online?
What kind of browser do I need to have?
What is a User ID?
When will my transfers show in my account?
How long is account history retained in Online Banking?
What happens if I open a new account after I am already signed up for Online Banking?
What should I do if I think someone has my password?
What happens if I don’t log off of the system?
Are there limits on the number of transfers I can make?
Can I stop or modify my request to transfer funds?
Will I continue to receive a paper account statement in the mail?
What if I forget my password?
What can I do to keep my information secure?
Is Online Banking available for business accounts?
Can business accounts and personal accounts be combined under the same client online set up?
Bill Pay FAQ’s
What is Bill Pay?
How much does Bill Pay cost?
How do I sign up for Bill Pay?
Who can I pay with Bill Pay?
What happens if I have a scheduled payment that falls over a weekend or holiday?
How long is the Bill Pay history retained in the View Payment History section?
How quickly are payments withdrawn from my account when made electronically?
How quickly are payments withdrawn from my account when made by check?
When should I set up my payments to make sure they are paid on time?
How will I know what payments have been made?
What if my payee says they have not received my payment?
Do I need to contact my payees to tell them I am using Bill Pay?
Can I place a stop payment on a bill payment that I have already set up?
When are payments for Bill Pay processed?
How do I know if a bill will be paid electronically or by check?
Can I edit a payee’s address?
How far in advance can I schedule payments?
Can I have multiple payments to the same payee on the same day?
What does the “status” field indicate on the Payment History Page?
Is there a limit to the number of payees that I can create?
Can I set up recurring payments?
Will the memo field information be passed on to the payee?
What are the maximum and minimum payment amounts?
When can I cancel my Bill Pay Service?
Who do I call with questions?
Mobile Banking FAQ's
What is Mobile Banking?
Why should I use Mobile Banking?
Is there any cost to use Mobile Banking?
How can I get Mobile Banking?
Is my mobile device secure to use?
What if my phone gets lost or stolen?
How do I know that I am downloading the right app?
Can I access my Bill Pay through Mobile Banking?
Who do I call with questions?
Online Banking FAQ’s
Q: What are the features of Online Banking?
A: Online Banking allows UNION Savings BANK customers to conduct banking transactions 24 hours a day, 7 days a week.
- Access, review and print information on all accounts, including loans
- Confirm deposits, withdrawals, and checks cleared.
- Transfer funds between UNION Savings BANK accounts and make regular loan payments.
- Download account information to financial management software.
- Pay your bills with Online Bill Pay.
Q: What days of the week can I use Online Banking?
A: Online Banking is available anytime, 365 days a year, 24 hours a day (with the exception of times when we perform routine maintenance or unanticipated system outages).
Q: How much does Online Banking cost?
A: Online Banking is free! If you decide to include Bill Pay, a small fee may apply depending on what type of checking account you have with us.
Q: How do I get started banking online?
A: Select the Enroll Now link from our website and get started with your online banking service today! No waiting, no paper, no problem!
Q: What kind of browser do I need?
A: You will need a connection to the Internet and a web browser that supports 128-bit SSL encryption. Online Banking works with the most popular browser types, but please check the online banking terms and conditions for more specifics.
Q: When do my account to account transfers show in my account?
A: All same day online transfers made Monday through Friday before 6:00 P.M. CST display online immediately.
Q: How long is account history retained in Online Banking?
A: Online Banking will display up to thirty-six (36) months of your account history.
Q: Why does it say that my account is locked? And what do I do now?
A: As a security measure, and for your protection, accounts will lock for several reasons such as inactivity or the incorrect password being entered too many times in a row. If you are locked out, please please contact customer service during regular banking hours for additional assistance.
Q: What happens if I open a new account after I am already signed up for Online Banking?
A: New accounts automatically appear on the Online Banking system.
Q: What should I do if I think someone has my user name or password?
A: Immediately change your password in online banking. This feature can be accessed under the Options menu. Additionally, please contact the bank during business hours and ask to speak with customer service.
Q: What happens if I don’t log off Online Banking?
A Online Banking will automatically sign out if it has been inactive for over ten minutes.
Q: Are there limits on the number of transfers I can make?
A Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers that can be made. However, savings accounts and money market deposit accounts, by federal regulation, have limits to the number of permissible transactions. More information is available by contacting the bank, or this information can be found in the disclosures provided at the time you opened your account.
Q: Can I stop or modify my request to transfer funds?
A: Yes, the transfer may be changed on the same business day before 6:00 P.M. CST.
Q: Will I continue to receive a paper account statement in the mail?
A: Yes. We will mail a copy of your account statement at regular intervals unless you opt-in to electronic statements.
Q: What if I forget my password?
A: We do not have access to your password. You can reset your password on your own through Online Banking or by contacting our customer service department.
Q: What can I do to keep my information secure?
A: There are several things that you can do to protect your account information.
- Do not use an obvious number (for example, 1234).
- Ensure no one is watching when you enter your information.
- Try to memorize your user name and password, rather than writing them down.
- Do not allow your internet browse to save your online passwords automatically.
- Do not share your user name or password with anyone.
- Change your password on a regular basis and don't use the password for other online services.
- Report any unusual account activity to us immediately.
- Do not provide personal information, including passwords, over the phone.
- Always log out of the system when you are finished reviewing your accounts.
- Never click on links from emails that ask you to update information, such as credit card information.
Q: Is Online Banking available for business accounts?
A: Yes! We use the same online banking service for both personal and business accounts.
Q: Can business accounts and personal accounts be combined under the same online setup?
A: Not generally. Online setups are done on an individual basis, and businesses are considered to be a separate entity.
Bill Pay FAQ's
Q: What is Bill Pay?
A: Bill Pay is a convenient way to pay all of your bills online. You can set up future and repeat payments as well as check the status of your payments. Payments are made electronically (ACH) whenever possible. If the payee doesn’t accept electronic payments, a paper check is automatically prepared and mailed to them.
Q: How much does Bill Pay cost?
A: Bill Pay is free for customers in our Advantage, Rewards, Wallet accounts. Some account types that are no longer offered may be subject to a monthly fee for the service.
Q: How do I sign up for Bill Pay?
A: You can enroll in Bill Pay on your own after your log into Online Banking.
Q: Who can I pay with Bill Pay?
A: You can pay virtually anyone in the United States from the next-door neighbor to the utility company, to your child in college across the country.
Q: What happens if I have a scheduled payment that falls over a weekend or holiday?
A: Scheduled payments that fall over a weekend or a holiday will be processed on the next business day.
Q: How long is the Bill Pay history retained in the View Payment History section?
A: Payment history for both active and deleted payees is retained and viewable indefinitely.
Q: How quickly are payments withdrawn from my account when made electronically?
A: Payments made electronically are debited from your account on the date the payment is received by the biller.
Q: How quickly are payments withdrawn from my account when made by check?
A: Payments made by check are withdrawn from your account after the payee has received and presented the check for payment.
Q: When should I set up my payments to make sure they are paid on time?
A: The date you select using the calendar feature of bill pay should be on or slightly before the bill due date. Bill Pay will show you the first available payment date on the payment calendar. For check payments, you should allow a minimum of seven (7) business days before the due date.
Q: How will I know what payments have been made?
A: You can see payments through Online Banking, and it will also be clearly itemized on your monthly bank statement.
Q: What if my payee says they have not received my payment?
A: If a payee notifies you that a payment has not posted, please call the online banking customer service department. We will investigate the payment in question and will work with you to resolve the issue.
Q: Do I need to contact my payees to tell them I am using Bill Pay?
A: No. Using the Bill Pay service will not change the way your payments are credited with the payee or how money is debited from your accounts.
Q: Can I stop bill payment from being processed?
A: You can cancel certain bill payments in Bill Pay if they have not reached a "processing" status. Please contact us if you need to amend or stop a bill payment, so that we can review all options available for the transaction.
Q: When are payments for Bill Pay processed?
A: Bill Pay payments are processed each day at 7:00 P.M. CST. Payments entered after that time or on a non-business day will be processed on the next available business day.
Q: How do I know if a bill will be paid electronically or by check?
A: The Bill Payment system will automatically determine the method of payment based on your prior history with Bill Pay and the terms and conditions we have established with the Biller.
Q: Can I edit a payee’s address?
A: Yes, you can edit all payee information by modifying the biller information.
Q: How far in advance can I schedule payments?
A: You may schedule payments up to 90 days in advance. Recurring payments can have an end date of any year in the future.
Q: Can I set up recurring payments?
A: Yes. You can set up recurring payments that will process each month.
Q: Will the memo field information be passed on to the payee?
A: Generally, yes, the information in the memo field is passed onto the payee. It is a good idea to include your account number with the payee in this field.
Q: What are the maximum and minimum payment amounts?
A: The maximum is the amount of funds available in your checking account that is used for the payment and the amount the biller will accept electronically (limits will vary by biller). The minimum payment amount is $1.00.
Q: When can I cancel my Bill Pay Service?
A: You may cancel your Bill Pay services at any time. However, you will be charged for the current month’s service during the next statement cycle. Please note that all scheduled payments will be deleted immediately upon cancelation of the Bill Pay service.
Q: Who do I call with questions?
A: Please contact the online banking customer service department at 815-235-0800 during regular business hours for assistance.
Mobile Banking FAQ's
Q: What is Mobile Banking?
A: In short, with UNION Savings BANK Mobile Banking, you can be sure that your banking account is with you and accessible at all times! You can securely access your UNION Savings BANK accounts from most mobile device types to check your account balances, transfer funds, pay bills, and find the nearest branch or ATM and more!
Q: Why should I use Mobile Banking?
A: UNION Savings BANK's Mobile Banking service is just one more convenient way to access your account information. You can use many different mobile device types - from tablets to Smartphone to get up-to-the-minute information on your accounts.
Q: Is there any cost to use Mobile Banking?
A: Our Mobile Banking service is absolutely free to use - just one more reason to enroll today! Please keep in mind that message and data rates may apply from your phone carrier. Please check your mobile service provider plan for details.
Q: How can I get Mobile Banking?
A: It's really easy to enroll for Mobile Banking! First, you need to have a current online banking access ID and password. Then, you can simply download the app from your device app store or log into online banking and select the Options tab to enroll manually.
Q: Is my mobile device secure to use?
A: Rest assured, Mobile Banking is secure and safe to use.
- Mobile Banking uses 128-bit SSL encryption, just like Online Banking - which simply put, encrypts, and protects the transmission of data, including your financial data during app usage.
- Mobile Banking uses secure Firewalls, just like Online Banking - which protects you from unauthorized or malicious intrusion during app usage.
- Mobile Banking uses your Username and Password for access - just like Online Banking. And similar to Online Banking, failed attempts to login will trigger a lockout, further protecting your account from unauthorized access.
Q: What if my phone is lost or stolen?
A: In the rare case that you lose a device, first contact the bank to update your mobile banking account. We can disable the device and prevent it from accessing mobile banking. If the loss occurs outside of normal banking hours, you can rest assured that the app never stores your password and that any active sessions will expire after a short period of inactivity. Wrong password attempts will also trigger a lockout that requires the bank to reset the password and device.
Q: How do I know I am downloading the right app?
A: Only download the app from reputable sources (e.g., Apple App Store, Google Play) or directly from the links provided through Online Banking. Please check the mobile banking page for detailed instructions on this process.
Q: Can I use Bill Pay in Mobile Banking?
A: Absolutely! You need to to be enrolled as an online banking user with Bill Pay (you can self-enroll for both if you haven't already). Once you are enrolled, bill pay will be available in the mobile banking app. Please keep in mind that depending on the account type you have, Bill Pay may be a service that you are charged for each month. Please check the disclosures you were provided at account opening or contact us to review.
Q: Who do I call with questions?
A: Please contact the online banking customer service department at 815-235-0800 during regular business hours for assistance.
