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Digital Banking Agreements

Terms and Conditions of United Bank of Union's Online Service Agreement 

This Agreement governs the use of the United Bank of Union's Internet Banking service.  By subscribing to this service or using the service to access account information, or to make any transfer between accounts or payment to a third party, you agree to the terms of this Agreement.  The words "we", "us," and "our" refer to United Bank of Union, the bank which holds the deposit accounts accessed by the service at its sole discretion, involved in the provision of the service.  The words "you" and "your" refer to each person subscribing to the service and each person who uses the service with the permission of the subscriber.

Much of our relationship with you is regulated by state and federal law, including the Uniform Commercial Code, and regulations of the Federal Reserve System, other regulatory agencies and clearinghouse associations.  These laws and regulations, as well as the terms of the Agreement, may change from time to time without notice to you unless required by law.  Your continued use of the service following receipt of the Agreement or notice of a change is considered acceptance of the Agreement or change.  Notice of a change may be made by mail or electronically.  Some of the transactions permitted under this Agreement are governed by the Electronic Fund Transfer Act and some terms and conditions included in the Agreement are required by this Act.

Computer Equipment and Software

You are solely responsible for the maintenance, installations, and operation of your computer and for the software used in accessing Internet Banking.  The Bank shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will the Bank be responsible for any computer virus that affects your computer or the software while using Internet Banking.        

Additionally, you must have an Internet Service Provider and a Browser to utilize our Internet Banking service through the Internet.   It will be your responsibility to establish Internet service through a provider.  Any costs or fees from your Internet provider are solely your responsibility.

System Requirements and Recommendations

Merchant Source Capture Optimization - 6.4 Workstation Browser
- Apple Safari 10.0 (Supported)
- Google Chrome (Supported)
- Microsoft Edge (Certified) for Microsoft Windows 10
- Microsoft Internet Explorer 11.0 (Supported) 4
- Mozilla Firefox (Supported) Disk Space

11GB to 20GB recommended of available disk space on the system drive to install required program component hardware. 

Internet Access (Minimum) with 1.5 MB connection speed.

Memory - 2 GB recommended

Operating System - Mac OS X 10.11 (Certified)
- Microsoft Windows 7 - 32 bit (Supported)
- Microsoft Windows 7 - 64 bit (Certified)
- Microsoft Windows 8.1 - 64 bit (Supported) 5
- Microsoft Windows 10 - 64 bit (Supported) 6 Processor
- Dual Core 2.0 GHz (Recommended) Software
- Appropriate Ranger Device Driver (Required) 7

Free Downloads

Internet Explorer - www.microsoft.com


You understand that the Bank has implemented a security procedure for the purpose of verifying the authenticity of the payment instructions transmitted to the Bank by you and not for the purpose of detecting errors in such instructions.  The security procedure consists of unique user identification and a transmission password.  In an effort to provide the highest degree of confidentiality and security, the Bank requires the use of browsers that provide encryption using a 128-bit key.  You agree that this procedure constitutes a commercially reasonable method of providing security against unauthorized instructions.  You agree to be bound by any instruction issued by you and received and verified by the Bank in accordance with such security procedure.  In addition, you shall indemnify and hold the Bank harmless from and against any loss suffered or liability incurred by, or arising from the execution of instructions in good faith and in compliance with such security procedure.

Access ID and Password

You will be required to establish an Access ID and Password during your first online session through our online registration process.  Your Access ID and Password identify and authenticate you to United Bank of Union when you use Internet Banking.  Upon establishing an Access ID and Password you agree to:

  1. Not disclose your Access ID and Password or otherwise make it available to anyone else;
  2. Use your Access ID and Password as instructed in the account disclosure;
  3. Immediately notify us of any loss or theft of your Access ID and Password; and
  4. Be liable for your Access ID and Password and for its authorized use and for its unauthorized use as described in your agreement.
Unless you notify us as provided in this agreement, you acknowledge that we are entitled to rely on the use of your Access ID and Password as your authorization for any transaction through Internet Banking.  You are responsible for all transactions you initiate or authorize using Internet Banking.  If you permit any other person to use the services provided by Internet Banking or your Access ID and Password, you will have authorized that person to access your accounts and you are responsible for any transaction that person initiates or authorizes from your accounts.

Multifactor Authentication

Upon initial log in, you will be assigned a random image and you will be required to enter a specified authentication pass phrase that you will recognize each time they log in our system.  Visual recognition of this image and phrase will help deter you from entering personal information on a UBU phishing site.  You will also be required to answer three security questions.  These security questions will be prompted when you attempt to log in using an unregistered computer.  Once you answer the question correctly, you will have the choice to register the PC as a public or private computer.
Our bill pay program also has added security features for all bill pay users.  Upon initial log in to the bill pay system, you will be ask to fill in some security questions and choose a security key phrase.  This security key will scroll across the screen when you log in our bill pay system and will help you recognize that you are on the correct site.  Security questions will also be prompted when you conduct higher risk transactions through the online system. 

Account Requirements

To subscribe to Internet Banking, you must maintain at least one deposit account or loan account with the Bank which may include the following types of accounts: Regular Checking, NOW, Money Market, Thrift, ETA, Seniority, any Rebel, Statement Savings, Ultimate Savings, any loan account collectively and individually.  Internet Banking will allow you to access more than one account to view account balance and transaction information, transfer funds among designated accounts, send electronic mail to the Bank and receive electronic mail from the Bank.

In order to access the bill payment function, you must have an established checking account (Regular Checking, NOW, Thrift, Seniority, any Rebel account). Although you may currently have a different type of account with us, the Regular Checking, NOW, Thrift, Seniority, any Rebel are the only accounts accessible for the bill payment function.  This decision was based on Regulation D, which limits the number of withdrawals made from certain types of accounts. 

Transfer Now

Transfer Now is a product that allows customers to transfer to and from accounts here at United Bank of Union and accounts at other financial institutions.  The three different ways to make transfers are as followed:  Standard Delivery Inbound which takes 3-4 business days, Standard Delivery Outbound which takes 3-4 business days, and Next Day Outbound which takes 1 business day.  There is no fee assessed with Standard Delivery Transfers, but there is a $5.00 fee for any Next Day Outbound Transfer.  The fee is added into the total amount of the transfer.  If there are not sufficient amount of funds in the account to cover the transfer and the fee the transfer will be rejected and an email notification will be sent.  The cutoff time for Transfer Now is 12:00 A.M. Central Standard Time.  There are two different ways to verify accounts for authorization of usage at other financial institutions.  The first is using the online banking credentials from another financial institution for instant verification of an account.  The second way of verification is two small trial deposits being put into the account at another financial institution and then verifying those in the external transfer section of Online Banking.  The second way of trial deposits may take 1-2 business days.  The limits are as followed:  Next Day Outbound - 2,000 daily and 5,000 monthly. Standard Delivery Inbound is 5,000 daily and 20,000 Monthly.  Standard Delivery Inbound is 5,000 daily and 10,000 Monthly.

Electronic Bill Pay

You may specify the date on which you want the payment to be made ("Payment Date").  That day can be any Business Day up to 365 days in the future.  For electronic bill pays that require an online check payment, the "Payment Date" needs to be set at least 10 business days before the bill is due.  Authorizations to be paid by check received prior to 3:00 p.m. will be issued on the next business day.  After 3:00 p.m., the check will be issued on the second business day following the business day of the initial request.  Depending on the U.S. Postal Service, or other commercial delivery service, and the manner in which the Payee processes the check and online check payment, the check may post to your account before the payment date.  If more than one online check payment is presented to us and/or more than one online Electronic Funds Transfer payment is scheduled on the same date, we will, in our sole discretion, determine the order in which these payments are processed.  For electronic bill pays that are transmitted through ACH, payments will have to be requested 5 business days prior to the "Effective Date" of the transaction.  Authorizations to be paid by ACH received prior to 3:00 p.m. will be issued on the next business day.  After 3:00 p.m., the ACH will be issued on the second business day following the business day of the initial request. 

While most Payees can be reached through our Internet Banking, we reserve the right to refuse to allow you to designate any particular Payee or class of Payees.  We shall have a reasonable opportunity to act before changes to your Payee list are effective.  Funds are available for transfers and payments in accordance with our Funds Availability Policy contained in our Deposit Account Information Agreement booklet.  If there are not sufficient available funds in the payment account to make payments you have authorized, we may either refuse to honor payment requests or may make the payment and thereby overdraw the payment account.  In either event, you will pay on demand the negative balance and are responsible for any insufficient funds and return item charges.  If you have overdraft checking privileges with us, you are bound by the rules and regulations which apply to that credit privilege.  If we refuse to honor a payment request due to insufficient available funds, the bill payment will be cancelled and will not make the payment at a later date.  We will not be liable to you if a Payee cannot or will not accept a payment made through our service.  You agree to notify us promptly if you receive notice from a Payee that a payment you made using the service has not been completed or remains unpaid.


Popmoney is a payment service that United Bank of Union customers are eligible to use to send and receive money.  There is a .50 cent fee pre transaction to use the Popmoney service.

Daily Processing Deadlines and Reviewing Transactions

Account information displayed through Internet Banking is the current information.  Funds transfers between deposit accounts initiated on your computer using Internet Banking, and received by the Bank by 6:00 p.m. CT Monday through Friday will be effective on the current business day.  Funds transfers processed on your computer using Internet Banking, and received after 6:00 p.m. CT Monday through Friday or all day Saturday, Sunday, and banking holidays will be effective the following business day.

You can review transactions for up to 60 days for your linked checking and savings account.  You also have access to 18 months of bank statements for all checking and savings accounts.

Activity Levels for Accounts

Currently there are two activity levels that can be assigned to your linked accounts.  They are:

  1. Inquiry-This level allows you to obtain the current account balance and transaction information.  This level does not allow transfers of funds between accounts.
  2. Financial-This level allows you to obtain account information and to transfer funds between accounts.

Charges and Limits of Transactions

Internet Banking access has no monthly service charges. The bill payment function is free and unlimited to our consumer customers with paper statements or electronic statements.  If the account becomes overdrawn, NSF charges for each paid check or returned check will be charged to the account.  Please refer to the Bank's fee schedule for specific fee information.   Internal banking transfers are limited to a minimum of $0.01 and a maximum of $99,999.99.  There is a charge for copies of canceled bill payment checks.  Please refer to the Bank's fee schedule for specific fee information on copies of canceled checks.  

Subject to available deposit account balances, funds transfers and bill payments can be made for any amount from $0.01 to $5,000.00.  By federal regulation, transfers from a money market deposit account or a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month or statement cycle.  Transfers between your deposit accounts are considered pre-authorized transfers.

Electronic Mail (e-mail)

Although you may currently have e-mail capabilities, it is important to remember that normal Internet e-mail transmissions may not be secure.  You agree to contact us electronically only through the "Contact Us" link on the bank's web page.  You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages.  You are deemed to have received any electronic messages sent to you when they are made available to you. 

In addition, we may not immediately receive e-mail that you send.  We will have a reasonable opportunity to act before taking action on your e-mail requests.  You cannot use e-mail to make a bill payment, account inquiry, stop payment, report unauthorized use of User ID and Password, report an unauthorized transaction or engage in a funds transfer.  You must notify us by calling or writing us at the phone number or address listed below:

United Bank of Union
Internet Banking Department
PO Box 500
Union, MO 63084
(636) 583-2555

Electronic Funds Transfer Act

Some of the terms set forth below are governed by the Electronic Funds Transfer Act (EFT) which is only applicable to consumers.  Commercial account holders are not entitled to the rights provided under this act.

The bank will mail or deliver to you electronically monthly account statements for your bank accounts.  The Bank will include any transfers or bill payments you authorize through Internet Banking on your statements.  You agree to review your periodic statement in accordance with this agreement and any other deposit or credit agreements governing your account, for accuracy of all data transmitted through the online system.  You should promptly notify the Bank of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by any online service.

You may be assessed a fee for certain transactions.  Refer to the Bank's fee schedule for specific fee information.  Fees may be deducted from your account without prior notice to you.  Fees are subject to change from time to time at the Bank's discretion. 

If you have set up bill payments through Internet Banking, you may alter or change the payment order until the payment is processed.  If you are unable to cancel or change the payment, you may call or write us in time for us to receive the request three business days or more before the payment is processed (Refer to earlier paragraph).  We will charge you the applicable fee as published on the fee schedule for each stop payment order you give.  If you request that we stop one or more of these pre-authorized debits three business days or more before the transfer is scheduled, and we do not do so, we may be liable for your losses or damages pertaining to that transaction only. 

Our Bank's business days are Monday through Friday 8 a.m. to 4 p.m., Federal holidays on which our offices are closed are not considered business days.  You may access your account information through Internet Banking 24 hours a day, seven days a week, except for interruptions due to maintenance or matters beyond the Bank's control.
We will disclose information to third parties about your account or the transfers you make in accordance with our privacy guidelines.

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages pertaining to that transaction only.  However, there are some exceptions.  We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If the transfer would go over the credit limit on your overdraft protection.
  3. If the automated teller machine where you are making the transfer does not have enough cash.
  4. If the system was not working properly and you knew about the breakdown when you started the transfer.
  5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

**There may be other exceptions stated in our agreement with you.

You shall be responsible for all transfers and electronic bill payments you authorize through Internet Banking.  You shall also be responsible for all transactions initiated by persons to whom you have given your password.

Tell us at once if you believe your Access ID or password has been lost or stolen.  Telephoning is the best way of minimizing possible losses.  After the phone call, follow up in writing within three days.  Failure to notify the Bank could result in the loss of all money in your account plus your maximum Protect-A-Check limit, if you have one.  If you report to the Bank within two (2) business days, the loss sustained by you will be no more than $50 if your password is used without your permission.  If you do not report to the Bank within two business days after learning of the loss or theft of the password, and the Bank can prove that it could have prevented someone from using the password without your permission had we been notified, you could lose as much as $500.  Also, if your bank statement shows electronic transfers you did not make, report them to the Bank at once.  If you do not tell the Bank within 60 days after the statement was mailed or provided electronically, you may lose all of the money transferred after the 60 days if the Bank can prove that it could have prevented the loss had you reported it promptly.  The Bank may extend the time periods for a good reason, such as a long trip or hospital stay, which might keep you from notifying the Bank.

Electronic Fund Transfer Error Resolution

In case of errors or questions about your electronic transfers, or if you feel that any statement or receipt is wrong, or you wish to have more information about a transfer listed on a statement or receipt, contact us in writing or by telephone.  Our information is as follows:

United Bank of Union
Internet Banking Department
PO Box 500
Union, MO 63084
(636) 583-2555

We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared.  When you contact us,

  1. Tell us your name and account number.  (Do not tell us your password.)
  2. Describe the error or the transfer you are unsure about, and explain as clearly as possible why you believe it is an error or why you need more information.
  3. Tell us the dollar amount and the item reference number of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. 

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.  An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. 

We will tell you the results within three business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.


We may change the Internet Banking services and the terms, including fees, set forth in this agreement at any time.  You will be notified of any such change as required by applicable law, either by mail or by an electronic message.  You understand that by using the internet banking system, after a change becomes effective, you have agreed to the change.

Governing Law

This Agreement shall be governed by the laws of the state of Missouri, county of Franklin, where applicable, by federal law.  Any issue relating to an account or service with United Bank of Union shall be governed by the law(s) specified in the agreement for that account or service if there is a separate agreement for that account or service.  United Bank of Union is physically located in Union, Missouri at the following three locations: 15 E. Main St, 210 Hwy. 50 W., and 1440 Rebel Rd.

Bank's Responsibility

The Bank shall be responsible for performing services expressly provided for in this agreement and shall not be liable for any error or delay so long as the Bank has acted in accordance with the terms and conditions hereof.  The Bank shall not be liable if you do not have sufficient funds in a designated account to complete the transaction you initiate or if the account is closed.
The Bank shall not be liable if you have not given us complete, correct or current transfer or payment instructions or if you have not followed proper instructions given through Internet Banking or peripheral software used.  The Bank shall not be responsible for any loss, damage, liability or claim arising, directly or indirectly, from any error, delay, or failure in performance of any of its obligations hereunder which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities or any other circumstance beyond the control of the Bank.

Termination of Agreement

This agreement will remain in effect until you or United Bank of Union terminates it.  We may cancel this agreement and terminate your use of Internet Banking for any reason, at any time.  Both parties agree to provide sufficient written notice of termination to the other party.