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Click here to report your debit or credit card stolen.


















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24-Hour Banking
Internet Banking | Bill Pay | Mobile Banking | Home-Line Telephone Banking | Debit Cards

INTERNET BANKINGLog In or Apply today!

In a hurry? Don't have time to drop by the bank?
Sign up for Internet Banking and do your banking anytime, day or night, from wherever you are. Your personal computer, tablet, or cell phone becomes your own personal banking center.

Here are a few things you can do:

  • Check your account balances
  • Find out which checks have cleared and search by amount, date or check number
  • View your check images by simply clicking on the check number
  • Use the electronic register to manage and track transactions
  • Transfer funds between your United Bank of Iowa accounts
  • Make loan payments
  • Request an instant statement
  • Get account information and up to 24 months of account history
  • Download information to Quicken™, QuickBooks® or Microsoft® Money
  • Reorder checks
  • Request stop payments
  • Email us about your account

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.

Security is critical when it comes to financial transactions. To prevent outside interference, we utilize high-end firewalls and exclusive encryption software. You will also have a unique access ID and passcode to access account information. Do not write your passcode down anywhere, memorize it and keep it confidential. The Secure Site Padlock lets your know your information is safe.

Click here for information on how to protect your account.

Commonly Asked Questions:

How do I add more or remove accounts or loans?
Go to the User Services Tab and request to add or remove an account. You can also call or email us and we will add it for you. As a security precaution, Internet Banking does not allow you to add or remove accounts without assistance from the bank.

I have forgotten my passcode! What should I do?
Use the automatic reset feature or call us and we will reset it and give you a temporary passcode. You will need to log in and establish a new private passcode.

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.

I have just been approved for Internet Banking. Why don’t I see my account information?
It will take 48 business hours from the time your enrollment has been verified for your account information to be accessible.

How long will my account history remain on the Internet?
Account history will begin to accumulate from the time your application is approved and will remain on Internet Banking for 24 months.

When I transfer money, when will it post to my account or loan?
Transfers made by 5:00 pm will be posted that day. Transfers made after 5:00 pm will be made 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.



Bill Pay is a feature of Internet Banking that allows you to pay your bills from your checking account electronically. You can set up recurring bills and never have to worry about them again or pay your occasional and one-time bills.

Bill Pay gives you the ability to schedule payments to anyone - businesses or individuals! The only information you need is their name, address and phone number. If you are making a payment to a business it is also helpful to know what your account number is with them.

After setting up the contact information for the bills you want to pay, just enter the amount and date you would like them to be paid. Please allow sufficient time for processing your payments. Allow 1-2 days for vendors who accept electronic payments and up to 5 days for vendors that do not accept electronic payments.

Bill Pay will save you the time of writing checks and the expense of checks and postage. The money management features will also allow you to track your expenses to avoid late payments.

To request this service, click on the payments tab on your Internet Banking screen or simply contact us and request to have it added.



Access all your accounts that are currently set up in Internet Banking with Mobile Banking!

Here are a few things you can do:

  • Check your account balances
  • View recent transaction history
  • Make deposits
  • Pay bills
  • Transfer funds between your UBI accounts
  • Find branches and ATMs

It's Free
United Bank of Iowa does not charge for the Mobile Banking service, however Bill Pay fees may still apply.

Depending on the plan you have with your mobile service provider, you may incur charges when receiving a text or accessing the internet. It is recommended that you have an unlimited text and data plan to avoid additional service fees.

3 Ways to Use Mobile Banking

  • Text Banking: If you have a text messaging plan, you can obtain account balances and view transaction history. You don't need internet access on your phone.
  • Mobile Browser: If you have a phone with internet access, in addition to viewing your balance and transaction history and locating branches and ATMs, you can also transfer funds between bank accounts and pay bills.
  • Smartphone App: If you have a smartphone, such as an Android™ smartphone, iPhone® or Blackberry® smartphone, you can download the UBI app to have all the benefits of the mobile browser.

Getting Started
You must be enrolled in Internet Banking to access Mobile Banking. You can enroll multiple phones, simply complete the enrollment process for each phone.

  • Log into Internet Banking. You will use the same access ID and passcode for Mobile Banking that you use for Internet Banking.
  • Go to the User Services tab, Manage Account section, and click on Mobile Banking enrollment.
  • Click one of the following to download the app for your specific smartphone
    iPhone®   Android™   Blackberry®

Click here for more information on Mobile Banking.

Mobile Deposit
Click here for more information on Mobile Deposit.
Ready to make a deposit? Click here for a tutorial on Mobile Deposit.


HOME-LINE BANKING – 1-888-252-5210 or 364-3433

Bank anywhere, anytime with Home-Line Banking. It’s not only quick and easy – it’s totally FREE! Call toll free 1-888-252-5210 or 364-3433 in the Ida Grove area.

Here are a few things you can do:

  • 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 to access your accounts.

  • 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 account. When you call, you’ll be instructed to change your PIN to a new four digit number that only you will know. This will remain your PIN, until you decide to change it.
  • Do not write your PIN down – memorize it!
  • 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 Banking and selecting option 5 on the menu.



A debit card provides all the convenience of an ATM card and a checkbook!

  • Use your debit card at 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 statement.

Our 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.

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!



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 fee.

Start enjoying the convenience and security of a debit card...apply at any of our locations or apply now by clicking here.


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