Banking | Home-Line Telephone Banking | Debit Cards
INTERNET BANKING – Log
In a hurry? Don't have time to drop by the bank?
Then it's time for Internet Banking. Your personal computer becomes your own
personal banking center. All you need is a personal computer with an
internet connection. You'll be able to take
care of your finances anytime, day or night, from anywhere...even on holidays!
Pay your bills out of your checking account with Internet Banking using
our convenient Bill Pay service. Bill Pay will save you money -
eliminates checks and postage! And save you time - set up your recurring
bills and never worry about them again, and pay your occasional and
one-time bills and save hours of writing and mailing checks.
You have control over nearly every aspect of managing your bank account with
From this tab you can initiate a transfer of money between accounts.
While online, you can request stop payments, re-order checks, change your passcode
and/or mailing address, request documents (like cancelled checks), and send
You are notified about all activity in your Internet Banking activated account
in the Messages section. That way, we can keep you informed of any important
news about your accounts or bills.
There are a lot of concerns about the security of information shared over the
Internet. With Internet Banking, however, there is nothing to worry about.
Our security is state-of-the-art. No entry is allowed without your authenticated,
encrypted access ID and passcode. Click
here for additional online security precautions
Commonly Asked Questions:
How do I add more accounts or loans?
Contact any of our offices
and let them know which account(s) you want to add. You can also
make the request by clicking on the user services tab.
How do I
remove accounts or loans?
Contact any of our offices and let them
know which account(s) you want to remove. You can also make the request
by clicking on the user services tab.
I have forgotten my pass
code! What should I do?
Contact any of our offices and you will
receive a temporary pass code that will allow you to log in and establish
a new permanent pass code. You can also click on the forgot your
pass code link in the log in box.
How can I make a payment on my
United Bank of Iowa loan?
Add your loan to your account list
if it isn’t already there and then go to the transfer screen
and transfer money from your deposit account to your loan.
just been approved for Internet Banking. Why don’t I see
my account information?
It will take 48 business hours from
the time of approval for your account information to be accessible.
long will my account history remain on the Internet?
history will begin to accumulate from the time your application
and will remain on Internet Banking for 24 months.
When I transfer
money, when will it post to my account or loan?
time is 5:00 p.m. each business day. Transactions made after
time will be posted the next business day.
When would a transaction
that has been posted today be updated in my balance?
We update account activity several times each day with the final
update at approximately 8:00 p.m.
What happens if there aren’t
enough funds in my account on the day a bill has been scheduled
to be paid using Bill Pay?
Bill Pay will keep trying to
pay the bill each day until the funds are there.
HOME-LINE BANKING – 1-888-252-5210 or
Our automated telephone banking system allows you to bank anytime,
anywhere. Call toll free 24 hours a day, 7 days a week from the comfort
home, office or car. Home-Line Banking is not only quick and easy – it’s
totally FREE! Call toll free 1-888-252-5210 or 364-3433 in the Ida
Here are just a few of the things you can do with Home-Line Banking:
Check your account balances
- Find out which checks have cleared
- Transfer funds between your UBI accounts
- Make loan payments
- Request an instant statement
- Leave us a message
Home-Line Banking is Safe and Secure!
We know safety is important to you and it’s always a priority
at United Bank of Iowa. Home-Line Banking is a safe and secure way
- The first time you call, you’ll need to establish
a Personal Identification Number (PIN). It will automatically be
the last four digits of
the Social Security or Tax I.D. number of the name that appears first on your
When you call, you’ll be instructed to change your PIN
to a new four digit number that only you will know. This will
until you decide to change it.
- Do not write your PIN down – memorize
- Change your PIN periodically.
- If you forget your PIN number, contact
us and we will delete your old PIN number. Then you can choose
a new one by calling Home-Line
and selecting option 5 on the menu.
Bank anywhere, anytime with
Home-Line Banking! Just call toll free 1-888-252-5210 or 364-3433
in the Ida Grove area.
A debit card provides all
the convenience of an ATM card and a checkbook!
Use your debit card at Automated Teller Machines (ATMs) worldwide
to check your balance, withdraw cash or transfer money between
your UBI accounts. You’ll have access to your account 24
hours a day, 7 days a week.
Use your debit card to make purchases from your checking account.
Use it to purchase gas, food, gifts, or whatever you want anywhere
the Visa symbol is displayed. You approve a debit purchase with
your Personal Identification Number (PIN) or with your signature
on the sales receipt.
This is not a credit card, so there is no balance that accrues
on the card. The amount of your purchase is subtracted from your
checking account usually within 24 hours. The amount and description
of your transaction will be listed on your monthly checking account
Two Options – You Choose!
- Our standard debit card is free as long as you use it for five
or more signed purchases each month. If you don't use your
card that frequently, there is a $1.00 monthly fee. Click here to apply.
- Our photo debit card has your photo and signature imprinted on
the front - making it virtually impossible for anyone to
fraudulently use your card. This card costs just $5.00 to
set up. There is a $1.00 monthly fee, however, this fee is
waived with five signed purchases per month!
Commonly Asked Questions:
Am I eligible for a debit card?
Customers who have a United Bank of Iowa checking account in good standing
are eligible to apply for our debit cards.
How long will it take to get my debit card?
You will receive it in the mail approximately two weeks after your application
has been approved.
What if I forget my PIN?
For your protection, please call any UBI office to set up a new one.
Will I be charged for ATM withdrawals?
There is no transaction fee if you use ATM terminals owned by
United Bank of Iowa. There is a fee of $1.00 for each
transaction over five per month made at non-UBI ATMs. If you
need to use an ATM owned by another bank, look for the Privileged
Status logo. Since United Bank of Iowa is a Privileged
Status member, you can use any ATM with the Privileged Status logo
and avoid surcharge fees.
What is the maximum amount available with my debit card?
You can obtain $250 cash per day at ATMs and $1,000 per day in purchases.
Higher limits can be arranged with officer approval.
Can I put my savings account on the debit card?
You can have access to your savings account by using your debit card at ATM’s
only. Your savings account cannot be used for debit card purchases.
What do I do if I lose my debit card?
Please notify the bank so that activity can be stopped immediately on your
debit card. Click here to report your debit
or credit card stolen.
Why do merchants ask me if I’m paying with debit or credit?
And, what is the difference?
The merchant is simply asking how you would like the transaction processed.
No matter how you respond, the purchase is deducted from your checking account!
So, if you say “credit”, the purchase does NOT get billed to
your credit card.
Here’s the difference...
If you say debit...the transaction is processed through the ATM
network and you must give your PIN.
If you say credit...the transaction is processed through the Visa
network, you do not have to give your PIN and you will receive
a signed receipt. And, if you have five signed purchases a month,
we will waive the monthly fee!
BUSINESS DEBIT CARDS
Our business debit card provides businesses with many benefits
including better record keeping of business expenses, less need for
cash or checks and protection from unauthorized purchases. You can get
multiple cards for employees, each with assigned spending limits.
There is no monthly service charge and your first card has no set-up
Start enjoying the convenience and security of a debit card...apply
at any of our locations or apply now