Internet Banker Frequently Asked Questions
What do I need to have to register for an online bank account?
You will need the following information:
- Current personal information including: Name, address, phone (W & H), date of birth, social security number, checking account number, and amount of last deposit.
- A United Republic Bank Checking account in good standing.
- Internet access and secured browser that is set up to accept "cookies".
- Internet Explorer 5 or higher, Netscape Navigator 4.7 or higher
- Monitor resolution set to a minimum of 800 x 600
How much will it cost me to have an online account?
The basic online service is free for our customers. For consumer accounts, CheckFree BillPay service is $5.95 per month with no additional charges for the first 15 transactions, after a 60-day trial period. BillPay fees may be waived if you have certain types of checking accounts or other relationships with us. Business accounts will need to check with a Bank customer service representative to determine access options and pricing.
What happens if I forget my Internet Banker password?
You are allowed 3 attempts to enter your PIN / password. On the third attempt, if invalid, you will be locked out of the system. At the bottom of the screen, you may select “forgot password”. Internet Banker will then ask you the secret question you selected when you auto enrolled. If you answer your secret question correctly, Internet Banker will email your password to you. If you had to manually enroll or you forgot your secret question as well, please call the Internet Banker Administrator Monday-Friday 8:00 a.m. thru 5:00 p.m.
Customers will be prompted the first time they log on to change the password to make their on-line experience safe and secure. Once they have changed their password, United Republic Bank has no access to that security item. If a customer should lose the username or password, their account will need to be re-registered.
If I am a new customer, what should I do to apply for an online account?
New online banking customers will have access to the Internet Banker system. Transfer capabilities and BillPay will not be available until the account meets the following conditions:
- There must not be any account abuse present in the last 60 days (NSF, Overdraft, etc.)
- All personal information; Name, Address, Phone (W & H), Date of Birth, and SSN, all need to be updated with any changes (if necessary) before having transfer and BillPay capability.
What accounts can I view online?
You can view any active United Republic Bank account on which you are the primary owner. If there are some accounts that you don't want to view on-line, or would like to give another account holder permission to view, simply fill out a "Permission to View" form, so we can process your request accordingly. This form can be faxed to you or picked up at a Bank office.
Why would I benefit from having an online United Republic Bank account?
It is safe, convenient, and easy to have an online banking account. Customers will have 24/7 access to their accounts, transfer funds, reorder checks, and view/print statements. Also, there is a bill payment system online called CheckFree BillPay where the customer can pay all of their bills online-check free.
How safe is online banking?
The information on the site is only made available to the customer. There are several layers of security to ensure that the customer is protected such as:
- Encryption: prevents others from reading your information as it passes over the Internet.
- Firewalls: prevent hackers from entering the site
- Each customer has a unique User Name and Password. Not even the bank has these on file. If a customer should lose either, they will have to re-register their online account for their safety.
- If you have not done any activity on the website for several minutes, the service will automatically log you out and you will have to re-enter your user name and password.
What can I do to protect my account information while I am on the Internet Banker banking web site?
- NEVER give your online banking personal identification number (PIN) to anyone.
- When you are done using the online banking service, exit the service by selecting "Log Out".
- Don't pick a PIN that is easily guessed, and change your PIN regularly.
- Don't write down your PIN. Memorize it if possible. If you need to write it down, don't write it in a public place, and keep it where no one but you can find it.
When is online banking information updated?
Many transactions are available as soon as they are posted online, such as cash withdrawals, account transfers, etc. However, current balance and history items are updated every night.
If I register my account online, will I still receive a statement in the mail?
Yes. If you currently receive mailed statements, they will continue to be sent as scheduled.
When reading "Current Information" (by selecting Details from Balance Inquiry) on my checking or savings account, what is the difference between 'Current' and 'Available' balance?
- Current balance- is your balance at the completion of the previous day's business. This balance does not include any transactions that might have occurred on the current day's business.
- Available balance- is your withdrawable balance as of that day's business. This balance will include any transactions that might have posted on that day's business. For withdrawal purposes, the Available balance is the balance you will need to reference.
What accounts can I transfer money to and from?
You can transfer money between any current Checking, Savings, and Money Market account. Please note that with Money Market accounts you are limited to 6 pre-authorized withdrawals or transfers a month, three of which can be checks. However, any account that requires 2 or more signatures to make withdrawals cannot be considered for online account transfers. In addition, you can transfer funds between your deposit accounts and loan accounts that have transfer capability. You may need to call us to set up this transfer capability.
Are there limits on the number of transfers I can make?
The only limitation on transfers would be transferring to or from Money Market accounts, which have a 6 withdrawal or pre-authorized transfers per month limitation. Please refer to the
on-line user agreement when you register your account.
Are there limits on the transfer amounts I can make?
You must have enough available money or credit in any account from which you instruct us to make a payment. All payments must be in U.S. Dollars.
When will my transfer take place?
Your transfer will be reflected in your available balance immediately. Check the available balance after the transfer to verify the transfer took place.
I have an account with United Republic Bank and an account with another local bank; can I transfer money from my other bank to United Republic Bank, and vice versa?
No. You cannot transfer funds to and from United Republic Bank from another financial institution through online banking.
What 'browsers' does Internet Banker support?
We support Microsoft Internet Explorer 5 and higher and Netscape Navigator 4.7 and higher. We recommend the most current version of the browser. The browser must be Javascript enabled and support 128-bit encryption and the ability to accept cookies and third party cookies. If you use Microsoft Internet Explorer or Netscape Navigator, these browsers can be updated by clicking on the link at the bottom of our home page at Internet Banker.
What are "cookies"?
Cookies are messages given to a Web browser by a Web server. The browser stores the message in a text file called cookie.txt. The message is then sent back to the server each time the browser requests a page from the server.
Why does the system tell me my browser is set up to "Not Accept Cookies"?
Your browser is set to refuse cookies. In order to log on, you will need to reset the option in your browser to accept them. Please refer to your browser's HELP section.
Why do I need to "enable cookies"?
In order for United Republic Bank to assure we have a secure connection established with you, we need to know who you are at all times. "Cookies" allow us to provide a secure connection.
How do I "enable cookies"?
Please refer to your browser's HELP section.
Why can't I access your site from work?
You may be attempting to access the Internet from within a firewall. Your employer may restrict your access to the Internet. You will need to contact your Network administrator if you are experiencing problems while you are at work.
How do I contact customer service?
Select "Contact Us" on United Republic Bank's online web site. This option will give you the choice to email a customer service representative at the bank or contact us by phone or mail.
Bill Payment Frequently Asked Questions
Who is CheckFree?
CheckFree is the leading provider of financial electronic commerce services and products. They work with financial institutions, Web portals, and organizations that issue regular bills or statements to give consumers the ability to receive and pay bills online.
How do I register and what do I need for CheckFree BillPay?
To sign up for a CheckFree BillPay account you will need:
- Current and active checking account with United Republic Bank
- Your checkbook
- Your driver's license
- Your Social Security Number
You will the go through 4 steps:
1. Complete personal information (Name, address, phone, etc.)
2. Complete security information (Date of birth, Social Security Number, etc.)
3. Select payment options and provide payment account information
4. Read and agree to the terms and conditions for CheckFree BillPay.
How do I set up my payees?
Click on "Payee Setup" on the BillPay Welcome screen. Click on the "Add Payee" button and complete the information on the "Add Payee" screen. You will need a copy of your bill to complete the information.
How do I schedule payments?
Click on "Make Payment" on the BillPay Welcome screen. Select type of payment you want to make and complete the information as required.
Can I make payments to people or businesses outside the United States ?
Payments to payees outside the United States are prohibited by this service.
How are my payments sent to the payee?
Whenever possible, transactions are made electronically; however, CheckFree is only able to process electronic payments to certain payees. If a payee does not receive electronic payments, the computer system analyzes the alternatives. Based on the payee's ability, the system might select an individual corporate check as the payment method.
The CheckFree computer system automatically selects how each payment will be processed. We are unable to determine how a payment will be sent prior to issuance. The system evaluates numerous factors before determining how to create each payment.
There are many factors considered before a method is selected. Therefore, the computer automatically selects the best possible payment method.
Are my payments guaranteed?
With the CheckFree Guarantee, you are insured up to $50.00 for any fraudulent activity or late payment charges, provided that the transactions were made in accordance to the Terms & Conditions of the Bill Payment Service.
What happens if my payment made on-line is returned?
If a payment is returned unable to process online for example for non-sufficient funds, you will be charged $30.00 for each return as well as any fee the returning company will charge.
How do I trace a bill through CheckFree BillPay?
In CheckFree BillPay, click on "Payment Activity" and enter in the required information to search for the information you need.
How do I stop an online bill payment?
Pull up "Payment Activity" on BillPay. If the bill can be deleted, you will see that option to the right of the payment information.
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