Security

• Do not use your social security number as a username or password. Change your password regularly and use combinations of letters, numbers and special characters ( #, *, @) to strengthen your password.
• Do not use your online banking username or password for other online accounts.
• Protect your passwords; do not write them down.
• Protect security challenge questions. Use easy to remember answers, but hard for others to guess. To protect your United Bank & Trust online account, do not use questions and answers used on other web sites.
  • You can change your password and security challenge questions/answers by selecting "Options" tab at the top of the page once you sign in.
• For your protection make sure anti-virus and anti-malware software is up to date. Perform regular scans on your computer to detect and remove any malicious threats.
• Use secure sites for shopping online. Online shopping should be with a vendor you know and trust. Look for the secure symbol in your browser, such as the lock in the lower right hand corner or "https" included in the address bar.
• Log off online banking sites or other web sites you enter credit or debit card information when finished.
• You should update your Mobile Banking profile if you lose your phone or upgrade to a new device.
  • You can manage your Mobile Banking profile from your computer when you sign into www.ubankonline.com. Select "Options", scroll to the section labeled "Mobile Banking Profile" and select "Manage Your Device(s)." You can also call 785-562-4312 to update your Mobile Banking profile.

Preventing Fraud

• Identity theft occurs when your personal information is obtained and used to acquire new bank or credit card accounts, secure loans or even commit crimes.
• Effective methods of reducing fraud are: Shred personal and/or financial documents before disposing of them. Destroy unused credit cards. Match receipts to monthly billing statements. Use longer and more complex PINs and passwords. Sign all credit cards and debit cards immediately. Notify financial institutions of address changes in advance. Look closely at ATMs to detect any suspicious alterations before using them. Be cautious of suspicious e-mails. Never click on hyperlinks from unknown senders.
• E-mail is not a secure method of communication. Sensitive personal and account information such as account numbers, passwords, PINs, or Social Security numbers should not be sent via e-mail.
• Forward fraudulent e-mails to reportphishing@ubankonline.com. Delete the e-mail immediately after forwarding it.
• If you feel you have responded to a fraudulent e-mail, text message, or phone call, please call 785-562-4312 for assistance. Provide as much information as possible contained in the message.
• The links below are additional resources for fraud detection and reporting.
  https://www.identitytheft.gov
  https://www.consumer.ftc.gov/topics/identity-theft
  https://www.ic3.gov/default.aspx

Mobile Banking

• Use a password to lock your screen when your phone is not in use.
• Remove old text messages from your financial institution prior to selling, loaning, or discarding your phone.
• Do not send confidential information, such as complete account numbers, social security numbers, and passwords via text message.
• You should update your Mobile Banking profile if you lose your phone or upgrade to a new device.
  • You can manage your Mobile Banking profile from your computer when you sign into www.ubankonline.com. Select "Options", scroll to the section labeled "Mobile Banking Profile" and select "Manage Your Device(s)." You can also call 785-562-4312 to update your Mobile Banking profile.
• When you are finished with Mobile Banking select Log Out, rather than just closing the application.