Digital Banking FAQs

Will this affect my account details?

Most of your account information will remain intact and ready for use. This includes your transaction history, bill pay payees, scheduled payments, internal transfers, and eStatement preferences.

Please note: Alerts, card controls, external transfers, and personal finance manager data will not carry over to the new system. Be sure to record or save this information before November 16th. These features will need to be reconfigured once the upgrade is complete.

Will this upgrade affect the Mobile Banking app?

Yes. As part of this upgrade, we’re introducing a new Mobile Banking app, which will be available for download starting November 18, 2026.

How do I access the new Mobile Banking app?

You have two options:

1. Through the Current Mobile Banking App
Open your existing app and follow the prompt to download the new version. After installation, log in using your current User ID and Password.

OR

2. Direct Download
Search for “United Bank and Trust” in your device’s app store, download the new app, and log in with your existing credentials.

Once the new app has been downloaded, you should delete the old app.

Will this affect the login process?

No. After the new system launches, you’ll continue to sign in with your current User ID and Password. During your first login, you’ll be prompted to verify your identity by choosing either a text message or phone call to receive a one-time passcode. Enter the passcode and submit to complete a secure login.

*After the update you may have to update your username if your current one does not meet the new requirements. You can update you User ID under Profile in Online Banking.

User ID needs a minimum of 9 Characters.
Avoid Last Name, First Name, TIN and DOB as part of the User ID.

What if I use biometrics to log in?

If you normally log in using biometrics, make sure you know your User ID and Password before the upgrade. You’ll need to enter these credentials the first time you access the new system. Once you’ve logged in successfully, you can re-enable biometric authentication for future logins.

What if I don’t know my Username or Password?

If you’re unsure of your User ID, please call your local branch for assistance.

If you’ve forgotten your Password, you can reset it by selecting “Forgot Password” on the Online Banking or Mobile Banking login page and following the instructions provided.

What action items should I consider post-upgrade?

You’ll need to set up any alerts, card controls, external transfers, and Personal Finance Manager settings again, as these will not carry over to the new system. To use Personal Finance Manager, you’ll need to re-register before adding your new preferences.

Please note: Internal transfers will appear in the new system, but if you want to make changes, you’ll need to create a new transfer and delete the old one.