Mobile Banking


Anytime Access Has Never Been Easier

   

Mobile Banking


Anytime Access Has Never Been Easier

   

Your Mobile Wallet

Make contact-free purchases almost anywhere. You can swipe or tap your card using mobile payment services like Apple Pay, Samsung Pay or Google Pay.

Transfer Funds

Instantly make transfers right from your phone.

Deposit Checks

Deposit checks easily. Just tap, snap, and send.

Cardless Cash

Use your mobile app to withdraw cash at participating ATMs. Easily locate Cardless Cash ATMs within the Cardless Cash feature.

Pay Bills

Securely pay bills on the go. View recent, pending and scheduled payments all on one screen.

Send and Receive Money with Zelle®

Easily start making friend-to-friend payments in seconds from your Bank With United mobile app with no separate download required. 

Manage Your Accounts

Conveniently access the Personal Finance feature to view all of your accounts in one place. 

SMS Banking

A fast, easy way to look up account balances or recent account transaction history by sending a text message command.

United Bank Has Your Back

  • Enable Touch ID or Face ID for the same secure access that keeps your identity safe in Online Banking.
  • Only registered mobile devices have access to your accounts.
  • No account data is ever stored on your mobile device.

Frequently Asked Questions


General

Mobile Web Banking gives you access to your accounts using your mobile web browser. Mobile App Banking provides access to your accounts using a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. The downloadable mobile application, also allows provides you with the option to deposit checks. Note: You must first be enrolled in United’s Personal Online Banking System before Mobile Banking is available

There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

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Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, or password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web Banking option, or check back later, as new carriers will be added over time.

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Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

You must first enable your bank account(s) for online banking before using mobile.

  • Activation is a one-time process that helps ensure your security. You will be asked to provide your name, birthdate, and phone number and you must correctly answer a series of public records questions to validate your identity before the service will be activated.

Mobile App Banking

NOTE: You must first be registered in United Bank’s Personal Online Banking before access to Mobile Banking. To log into mobile banking you can use your online banking credentials. 

   

Or 
Search for United Bank or Bank With United on the App Store or on Google Play.  Look for our icon. 

For iPhone or iPad:

  1. Navigate to the App Store
  2. Search for United Bank WV
  3. Select "Install" to download the application
  4. iPhone needs to run on iOS 13.0 or higher to be compatible with mobile banking

For Android

  1. Navigate to the Google Play Store
  2. Search for United Bank WV
  3. Select "Install" to download the application
  4. Android needs to run on operating system Android 6 (SDK 23) for minimum support

For Kindle Fire

  1. Navigate to the Amazon Appstore and select Kindle Fire Apps
  2. Search for United Bank WV
  3. Select "Install" to download the application


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The downloadable mobile application is available on iPhone and Android devices. The App can be downloaded by searching for United WV on the App Store or Google Play Store, or by entering the URL (/online-mobile-banking) in your phone's browser and selecting the appropriate app on the page.

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Yes, a tablet-optimized mobile banking app is available for the iPad (United Bank WV for iPad).

NOTE: The iPad app will not work with first-generation iPads.

The Face ID feature allows you to scan your face and match it against a registered face on your device for quick access to all features of the mobile app. This feature can be used in place of a user ID or passcode. Touch ID allows you to view account balances, transaction history, summary information, perform transaction searches, transfer funds, pay bills and deposit checks. You must have Face ID enabled on your device in order to set it up on the mobile app. Face ID and Passcode cannot be used at the same time. You must choose which access method you plan to use (it can be changed at any time). If there are registered faces for other people on your device, those users will have access to your account information as well.

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Face ID is available for the following devices while using the Bank With United mobile app:

iPhone

  • iPhone 13 Pro Max
  • iPhone 13 Pro
  • iPhone 13 mini
  • iPhone 13
  • iPhone 12 Pro Max
  • iPhone 12 Pro
  • iPhone 12 mini
  • iPhone 12
  • iPhone 11 Pro Max
  • iPhone 11 Pro
  • iPhone 11
  • iPhone XS Max
  • iPhone XS
  • iPhone XR
  • iPhone X

. All other iPhone and Android users may set up the Passcode feature. The Face ID feature for Mobile Banking is not available for Apple Tablet (iPad) apps at this time.

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Mobile Web Banking

After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at

At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 79680. If United Bank WV supports enrollment on your mobile phone, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.

We recommend 3 steps for an optimal experience:

  1. Ensure your phone's browser has cookies enabled
  2. Enable style sheets on your browser
  3. Bookmark our Mobile Banking site
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There are two easy ways to navigate links. You can either click on the link or enter the associated "accelerator key" number. Just type the number to quickly navigate to the link's destination. Accelerator key numbers appear next to many, but not all of the content links.

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Mobile Web Banking is supported on most phones with a mobile web browser that supports cookies. Blackberry will only work if the Operating System is 6.x or 7.x. All other older versions of the Operating System are no longer supported on Mobile Web.


Text Banking

Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.​​​​​​​

All text messages should be sent to 79680

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Yes. Simply enroll for both Text Banking and Mobile Banking to enable this

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Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

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No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

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Use the following commands for Text Banking:

FunctionCommandDescription
BalanceBSummary of available balances for all accounts 
HistoryHSummary of recent transactions per account 
CommandCList of available Text Banking commands 
HelpHEHelp content for Text Banking 
LoginLReceive a URL for the United Bank Mobile Browser website 
RecoverRReceive a URL and new activation code for the United Bank Mobile web site 
StopSDeactivate all United Bank text services 

NOTE: You can check for additional available commands by activating your phone and sending C to 79680.


Mobile Deposit

  • A smart phone or tablet equipped with a camera along with the United Bank mobile app
  • An endorsed check
  • A dark surface to place the check on
  • A well lit room
  • A few minutes to submit the deposit

To enroll in the Mobile Deposit Service, you must maintain an Account in Good Standing with 3 or less overdraft occurrences during the past 12 months.  You must also use an approved access device and approved software.

We reserve the right to impose limits on the dollar amount(s) and/or number of items that you transmit using Mobile Deposit and to modify such limits in our sole discretion. Limits will be determined by your banking relationship and your daily limit will display within the Mobile App. If you attempt to initiate a deposit more than these limits, we may reject your deposit. If we permit you to make a deposit more than these limits, such deposit will still be subject to the terms of the Digital Banking Agreement, and we will not be obligated to allow such a deposit at other times.

The endorsement should include: “For deposit only at United Bank” and your signature. You do not need to include your account number as that is already associated with your mobile banking account.

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Mobile Check Deposit offers the same security that you have with Online Banking. For added protection, the images of your checks are stored securely at the bank and not on your mobile phone. As with all banking applications, security begins with you and the safeguarding of your phone and the security credentials used to access this service.

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  • Personal Checks
  • Business Checks
  • Government/Treasury Checks
  • Cashier's Check

Checks must be from a U.S. Financial Institution, in U.S. dollars, and be made payable to you.

Funds deposited by our cut-off time are typically available in your account the next business day. However, deposits are subject to verification and funds may not be available immediately. Once the deposit has been received, you'll be able to view the pending transaction on your phone.

You will receive an automated email notifying you of why the deposit was declined. If you have additional questions, please call us at 1.877.951.9012, email us at customerservice@bankwithunited.com or stop by your local branch.

Device Enrollment

Device enrollment allows the user to register for Mobile Banking using their mobile device, instead of a personal computer. This added convenience means that users may register their device while on-the-go.

Device enrollment validates the user's banking relationship by asking the user to provide their credentials and mobile telephone number.

Yes, if a mobile-only enrollment is not offered. Your User ID, password and mobile telephone number will be used to enroll you in Mobile Banking. If you are not enrolled in Internet (Online) Banking, please proceed to the institution's website to register for Internet (Online) Banking first.

Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.

Your User ID is the same as the User ID you established for Internet (Online) Banking or created during the mobile-only enrollment process, if available.

On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".

Your Password is the same as the Password you established for Internet (Online) Banking or in mobile-only registration, if available.

In this case, you should visit the Internet (Online) Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact Customer Service.

When you use a non-phone device, such as tablets and MP3 players that are Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.


Mobile Bill Pay

Mobile Bill Pay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your Internet (Online) Banking account. You may pay bills using your mobile device while on-the-go, anytime, anywhere.

You enroll for Bill Pay through your Internet (Online) Banking account. Once enrolled, you will be able to access Bill Pay on your mobile device. You must be enrolled for, both, Internet (Online) Banking and Bill Pay before you may use Mobile Banking and Mobile Bill Pay.

Mobile Bill Pay is available on the web/browser and downloadable application modes. It is not available through the SMS/Text mode.

To pay a bill, select the "Bill Pay" option from the main menu, then select "Pay Bill". A simple flow guides you through choosing the payee, the payment account, send or due date and amount. Then you may enter an optional memo.

Only you may create and authorize a payment. Depending on the Payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your Payee may credit your account.

For more information about payment scheduling and delivery, please visit the Help section on your Internet (Online) Banking website.

No. You must add Payees through the Internet (Online) Banking website.

You may manage your Payees, including deactivation by logging onto the Internet (Online) Banking website and accessing the list of Payees.

To cancel a payment, select the "Bill Pay" option from the main menu, then select "Scheduled". The system will respond with a list of payments currently scheduled and unpaid. Choose, from this list, the payment you wish to cancel. The system will display the payment details. From this screen, select "Cancel Payment". The system will ask you to confirm that you wish to cancel the payment.

To view previously paid bills, select the "Bill Pay" option from the main menu and then select "Recent". Your display will refresh with a list of completed bill payments in a summary format. Select an item to see the payment's details.

If you have an issue with a bill or a specific item on the bill, contact the Payee directly. Remember, you may pay whatever amount you desire in Bill Pay while you are disputing any item.


Troubleshooting

Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure text messaging is enabled on your phone.

If you get a new mobile device or change phone numbers, be sure to return to Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. We recommend removing your old device and re-enrolling your new device.

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device.

At the time of activation a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 79680. If United Bank WV supports enrollment on your mobile phone, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.

If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to online banking and disable or remove your mobile device.

Improve your experience with the Bank With United Mobile Banking App

  • Download the app
  • Sign in using your Online Banking username and password
  • Easily view and manage your United Bank accounts