NetTeller allows UNION Savings BANK customers to conduct banking transactions 24 hours a day, 7 days a week. NetTeller transactions are processed and information updated only on business days. Our business days are Monday through Friday, excluding Federal holidays. Use NetTeller to do many of the same things that you normally do in person or by phone.

• Access, review and print information on all accounts, including loans
  
• Confirm deposits, withdrawals and checks cleared
  
• Transfer funds between UNION Savings BANK accounts and make regular loan payments
  
• Download account information to financial management software (such as Microsoft Money)
  
• Contact us with questions
  
• Even pay your bills online

NetTeller is free! If you decide to include Bill Pay a small fee will apply.

Yes. Please see our page on security.

A one-time signed application is required for NetTeller. Once your signed application is received by the Bank, with your account information, you will receive your User ID by mail within 5 business days. Upon your first visit to the Online Banking site you will be asked to select a PIN (Personal Identification Number) of your choice and that PIN will be used whenever you access NetTeller.

You will need a connection to the Internet, and a Web Browser that supports 128-bit SSL encryption. You will also need accounts with UNION Savings BANK and an assigned User ID and PIN. Click here to test your browser for 128-bit encryption.

A User ID is a series of numbers assigned by UNION Savings BANK to identify you as the accountholder whenever you use NetTeller. The User ID will help to keep your account information secure.

A PIN or Personal Identification Number is a password that you use to access your accounts on NetTeller. Initially UNION Savings BANK will assign a PIN and you will have the ability to change it periodically which will help to protect your account information.

This is an account name that you can create for your UNION Savings BANK accounts. For security purposes NetTeller does not use your account number. Assigning a Pseudo Name will help to keep your account information secure.

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All same day transfers made Monday through Friday before 5:00P.M. CST will show in your account immediately. Transfers will not be available on the ATM network until the following business day. Any scheduled transfers that fall on a weekend, bank holiday, or requested after 5:00PM CST will be processed the following business day.

NetTeller will retain account information up to six (6) months starting from your initial NetTeller sign-on.

As a security measure, and for your protection, accounts will lock for several reasons such as the activity or the incorrect PIN being entered three (3) times in a row. If you find that you are locked out you need to contact the NetTeller manager during regular banking hours and, upon proper identification, we will be happy to unlock the account and reset the PIN. You can reach the NetTeller manager at 1-815-235-0800. This procedure is only for the security of our customers. We apologize for any inconvenience.

Yes, you can change your User ID and PIN as often as you want by selecting the “Management” option under the “Home Banking” drop down menu. The User ID can be up to 12 characters and can use letters and/or numbers.

New accounts do not automatically appear on the NetTeller system. The account can be added to your NetTeller profile by requesting it in writing. You must be the sole or joint owner of the account to have it added to your NetTeller profile.

Immediately change your current User ID and PIN number under the “Management” option of the “Home Banking” drop down menu. Then contact the bank at 1-815-235-0800 during business hours and speak with the NetTeller manager.

NetTeller has a ten (10) minute time out feature. If the system has been inactive for over ten minutes, the user will be required to re-enter their User ID and PIN number.

Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers that can be made. However, savings accounts and money market deposit accounts, by federal regulation, are allowed no more than six transfers per month (including no more than three transfers by check).

Yes, as long as you modify or delete the transfer request prior to 5:00PM CST. However, if a transfer is made in error, you may initiate another transfer and transfer the money back.

Yes. We will mail a copy of your account statement at regular intervals.

We do not have access to your PIN once it has been changed by you. However, we can reset your PIN back to your initial PIN and you can then reset your own preferred PIN. Just give the NetTeller manager a call at 1-815-235-0800.

There are several things that you can do to protect your User ID and PIN.

• Do not use an obvious number or other accessible information for your NetTeller User ID or PIN.
  
• Ensure no one is watching when you enter your User ID and PIN.
  
• Try to memorize your User ID and PIN, rather than writing them down.
  
• If you record your User ID and PIN, store the document in a secure place.
  
• Do not let Windows save your online password.
  
• Do not share your User ID and PIN with others.
  
• Change your User ID and/or PIN on a regular basis.
  
• Report any unusual account activity immediately.
  
• Do not give your information to anyone requesting it over the phone unless you have initiated the call.
  
• Always log out of the system.

If you get an error message please make a note of the message, the error number and the time. Then call the NetTeller manager at 1-815-235-0800 during regular business hours and we will make every effort to resolve the issue as soon as possible.

Yes. The person opening the account must be on the corporate resolution and authorized to open accounts on behalf of the business. If the person is authorized all he or she needs to do is fill out an application. For even more online banking options, business customers may be interested in NetTeller Cash Management services. Please contact the NetTeller manager at 1-815-235-0800 for more information or to sign up for this service.

Not generally. Online setups are done on an individual basis, and businesses are considered to be a separate entity.

Bill Pay is a convenient way to pay all of your bills over the Internet. You can set up future and repeat payments as well as check the status of your payments. Payments are made electronically (ACH) whenever possible. If the merchant you are paying doesn’t accept electronic payments, a paper check is automatically prepared and mailed to them.

The cost for Bill Pay is $4.95 per month, which includes twenty (20) bill payments, plus $0.40 per transaction over the first 20 each month. The fees are waived for the first three statement cycles after you have signed up and been approved for Bill Pay. This optional service will make writing checks a thing of the past. Save on postage, envelopes and your valuable time!

You must meet the following criteria to be eligible for this service:

• Be a UNION Savings BANK customer
  
• Have a regular checking or NOW account
  
• Complete and submit the Online Bill Pay application
  
• Be enrolled in NetTeller
  
• We will notify you once you have been approved for Bill Pay

You can pay virtually anyone in the United States from the next-door neighbor, to the utility company, to your child in college across the country. The only persons you cannot pay are governmental agencies including court ordered payments. To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check such as your name, address and account number.

Scheduled payments that fall over a weekend or a holiday will be processed on the next business day.

Payment History for active and deleted payees is retained and viewable indefinitely.

Payments made through the ACH (Automated Clearing House) network are debited from your account on the payment date you established for the payment. In other words, the date that you request the payment be made will also be the date the funds are debited from your account. We recommend you select a payment date at least three (3) business days before the payee’s payment due date to ensure the payment is received on time.

Payments made by check are debited from your account like any other check that you may write on your account. For example, a check will be debited from your account after the payee has received and presented the check for payment and the check is then processed by our bank. We recommend you select a payment date at least seven (7) business days before the payee’s payment due date to ensure the payment is received on time.

You should allow three (3) business days for payments being made electronically. For payments being made by check, you should allow seven (7) business days. The payment method for each of your payees will be clearly identified as either “electronic” or “check.”

Through UNION Saving BANK’s NetTeller, you will be able to view it once a payment has been made. The payment will also be clearly itemized on your monthly bank statement.

If your payee notifies you that a payment has not posted, please call the NetTeller manager at 1-815-235-0800. We will investigate the payment in question and will work to resolve the issue on your behalf.

You may access NetTeller Online Banking and Bill Pay through UNION Savings BANK’s web site at www.unionsavingsbank.com. Input your User ID and PIN. If this is the first time that you are signing on to NetTeller, you will be prompted to change the bank assigned temporary PIN to a new PIN of your choice.

Once you sign up for this service, detailed brochures will be sent to you. If you have additional questions, or need more assistance, please stop by any of our offices and visit with a customer service representative.

No. Using the Bill Pay service will not change the way your payments are credited or how money is debited from your accounts.

Yes. You can cancel an electronic bill payment at any time up until 12:00P.M. Noon CST on the business day prior to the payment date you established. Once the bill payment has been debited from your account, you CANNOT cancel or stop payment on a bill payment which has been paid electronically (ACH). You will have to contact our NetTeller manager by telephone to determine if the check has cleared. If the check has not cleared, we will immediately process a stop payment request. We will notify you if the check has already cleared. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the payee ID number from the Bill Pay “Payment History” screen. You will incur stop payment charges as disclosed in the current Fee Schedule.

Bill Pay payments are processed each day at 12:00 noon CST. Any payments entered up to that time will be processed the same day. If done after 12:00 noon CST or on a non-business day, the transaction will be processed on the next business day.

When setting up payees, the payee type field will tell you if the payee is electronic (ACH) or paid by check.

No, you must set up a new payee with the correct address and delete the old one. However, deleting the old payee will remove the history of that payee. You can leave the old payee listed and retain your history of that payee.

You may schedule payments up to 90 days in advance of the first due date. Recurring payments can have an end date of any year in the future.

You can make multiple payments to the same payee as long as the payment amounts are different. For your protection, the system will not pay duplicate amounts to the same payee in the same day.

Payment Pending
The payment has been processed, but not yet sent.

Payment Processed
The payment has been processed and sent.

Hold
The payment has a research request on it and has not been processed.

Stopped
You have requested the payment to be stopped. It cannot be processed again.

You can set up to 99 payees.

Yes. You can set up recurring payments in the following frequencies:

• One Time
  
• Weekly
  
• Semi-monthly
  
• Monthly
  
• Bi-monthly

Yes. It is a good idea to include your account number with the merchant in this field.

Since electronic payments are validated against the account balance prior to processing, and check payments settle against the customer’s account like any other check, there is no dollar limitation on payments made through Bill Pay. The minimum payment amount is $1.00.

You may cancel your Bill Pay services at any time. However, you will be charged for the current month’s service during the following month. All scheduled payments will be deleted immediately upon cancellation of Bill Pay services.

Please contact our NetTeller manager at 1-815-235-0800 during regular business hours.