Union First Market Bank - Support - Customers - Frequently Asked Questions (FAQs)

Support > Customers > Frequently Asked Questions (FAQs) > Mobile Banking

Frequently Asked Questions About Mobile Banking

Text Banking
Mobile Web
Mobile App

Text Message Banking

Q: How secure is Text Message Banking?
A: Our Text Message Banking service is secure. You can activate the service only after logging into our Online Banking site. Text messages will never contain confidential information about you or your accounts and messages will never reference full account numbers. Text Message Banking is as secure as Online Banking, so rest assured that your information is protected.

Q: Will I be charged for Text Message Banking?
A: Our Text Message Banking service is free. However, standard text messaging fees from your wireless carrier may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Q: Will Text Message Banking work on my phone?
A: Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

Q: Which carriers do you support?
A: Our Text Message Banking service works on all major mobile providers in the U.S., including:

Alltel
AT&T
Nextel
Sprint
T-Mobile
US Cellular
Verizon Wireless
Virgin Mobile

Q: How do I deactivate the Text Message Banking service?
A: You can text back "stop" to 454545 on your activated cell phone, or you can return to the Mobile Banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.

Q: Why do I need to verify my phone?
A: Verifying your phone is an important one-time step that helps to ensure the security of Text Message Banking.

Q: Where do I find my activation code?
A: During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.

Q: Can I come back later to enter my activation code?
A: Yes. If you experience difficulties, we recommend that you complete the setup process again to obtain a new code.

Q: I still have not received my code, what do I do?
A: It might take several minutes to receive your code. If you feel you have waited sufficiently, you can click the Resend Code link. Please check your mobile device shortly for a new text message. If you still do not receive the code, be sure you entered the correct mobile number during setup.

Q: What is a primary Text Banking account?
A: Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to 454545.

Q: Can I get the balances of all my other accounts?
A: Yes. When you text "BAL ALL" to 454545, we will reply with a message containing the balances of all your checking, savings and credit card accounts.

Q: Can I change the primary Text Banking account later?
A: Yes. Simply return here to the Mobile Banking page and select the Edit link next to your primary account information.

Q: Are there any shortcuts for the keywords?
A: Yes. The keywords are:

STOP =Deactivate service
HELP = Help on keywords
BAL = Primary account balance
BAL CHK = Checking account balances
BAL SAV = Saving account balances
BAL ALL = All account balances
LAST = Last 5 transactions
TRANS = Transfer funds to primary account

Q: Are keywords case sensitive?
A: No, keywords are not case sensitive. For example, you can type "help" or "HELP".

Q: What is the number I should use to send my keyword text messages?
A: The short code is 454545. This short code will only work if you have activated the Text Message Banking service on our internet banking site.

Q: How long does it take to get a response via text message?
A: You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

Q: Is there any password needed for Text Message Banking?
A: You don't need a password to access your account information via text message.

Q: I have a new mobile phone number. Can I change or add my number online?
A: Yes. You first need to deactivate your cell phone and add your new cell phone number. You can do this within alerts and mobile set up.

Q: Is there a transfer limit within text message banking?
A: Yes, there is a transfer limit of $9,999 per transfer when performed within text message banking.

Q: What alerts can I set up for text banking?
A: You may set up alerts notifying you of low balances, payment transactions, and deposit transactions.

Q: What is the low balance alert?
A: This existing alert will notify you if the balance is equal to or less than a specified amount.

Q: What is the payment transaction alert?
A: This alert will notify you when a debit transaction is equal to or over a specified amount posted to your account.

Q: What is the deposit transaction alert?
A: This alert will notify you when a credit transaction over a specified amount has been posted to your account.

Q: When are these alerts sent out?
A: Alerts are sent out to notify you if a particular transaction exceeds a specific level, or if a balance falls below a specific level.

Q: Can I choose the level when an alert would be sent?
A: Yes, you may now specify the threshold in which alert notifications are sent. This is a free entry field where you can enter a desired threshold amount greater than $50.

Q: Can I set up alerts on multiple accounts?
A: No, you may only set up alerts from your primary account.

Mobile Web Banking

Q: What is Mobile Web Banking?
A: A service that enables you to access your account information, conduct transfers, and pay and manage your bill payments from any mobile device that has Web browsing capabilities and active data plan.

Q: What does Mobile Web Banking cost?
A: Mobile Web Banking from Union First Market Bank is FREE, but you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren't sure whether additional fees might apply.

Q: Is Mobile Web Banking currently available to all users?
A: Mobile Web Banking is available to all users that own mobile devices with Web browsing capabilities and that subscribe to a data plan through their wireless carrier.

Q: Will Mobile Web Banking work on my mobile phone?
A: Mobile Web Banking will work on any mobile device with Web browsing capabilities and an active data plan through a wireless carrier.

Q: Which mobile service providers support this service?
A: The service works on all major mobile providers in the U.S., including but not limited to:

Alltel
AT&T
Cellular One (Dobson)
Nextel
Sprint
T-Mobile
US Cellular
Verizon Wireless
Virgin Mobile

Q: How does Mobile Web Banking work?
A: From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and enter Union First Market Bank's URL (e.g. m.bankatunion.com) to access the Union First Market Bank Mobile Banking home page. Enter your user ID and password - the same you use for Online Banking - and select the Log In button. No separate or different registration is required. Answer any additional security questions (if needed) then select the Continue button to access Mobile Web Banking.

Once logged in, you can:

Access Your Accounts - the Mobile Web Banking experience is virtually the same as Online Banking, although on a smaller screen.
Pay Bills - you must first register and set-up your payees / billers on a PC before utilizing bill payment through Mobile Banking.
Make Transfers - you must have more than one account on Online Banking for this functionality to be available on Mobile Banking.

Q: Is there a transfer limit within mobile banking?
A: Yes, there is a transfer limit of $9,999 per transfer when performed within mobile web banking.

Q: What other options are available on the log in page?
A: You will see links that provide branch and ATM locations, current interest rates (Money Market and CollegeWealth® 529), as well as how to contact Union First Market Bank customer service.

Q: How many transactions can I see on my phone at a time?
A: When you select an account name link on the Accounts tab, up to 15 transactions display for the last 10 days - use the vertical scroll bar to see all of your transactions. If more than 15 transactions occurred during that time period, select the More history button to view the rest of your transactions.

Q: Can I see transactions for a different time period?
A: Yes, just use the Change Date Range "to" and "from" fields entering the date as mmddyyyy with no punctuation, then select the Go button to get the transactions.

Q: Can I change accounts on the Transaction History page?
A: Yes, just locate the dropdown field below the Change Date Range fields, then select another account from the list. The display will refresh to show recent transactions for the new account.

Q: Where can I locate the transaction details?
A: Within the Transaction History page, just click the payee name (e.g., Target) to see the transaction details, including: Date, Amount, Type of Transaction, Reference #, Store name and ID.

Q: What different kinds of funds transfers are available?
A: On the transfer tab you can enter an immediate transfer between your accounts using the Transfer Now feature. Or to schedule a future transfer, use the Schedule Transfer link.

Q: Can I see scheduled transfers on my phone?
A: Yes, just select the View Scheduled Transfers link on the Transfer tab to see up to 10 transfers scheduled over the next 30 days. If you have more than 10 transfers scheduled, just select the View More button.

Q: Can I change or remove a scheduled transfer?
A: Yes you can do both. On the Schedule Transfer page scroll down and use the Edit Scheduled Transfer link to change the Amount, From Account, To Account or Date for any future dated one-time transfer. Or you can use the Delete Scheduled Transfer link to remove a future dated one-time transfer.

Q: Why can't I access the Bill Pay tab?
A: The Bill Pay tab is only enabled for users that have signed up for Bill Pay within the Online Banking application on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, selecting the Bill Pay tab will open the Make a Payment page.

Q: Can I register for Bill Pay on my phone?
A: Sorry, not at this time. You have to access Online Banking using a personal computer, find the Bill Pay button and enroll there. Chances are, you automatically registered for Bill Pay when you signed up for Online Banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.

Q: How do I make a payment using my phone?
A: Select the Bill Pay tab and review the Pay from account (to change it, select another account from the dropdown field and select the Change button). Then select a payee name link from the list and enter the Amount of the payment and the date to send / deliver the payment (as mmddyyyy) then select the Pay button. A confirmation message is then displayed, select OK (or Submit) to continue.

Q: Can I see pending payments?
A: Yes, just select the Pending Payments link on the Make a Payment page to see up to 10 pending payments closest to today's date. Use the vertical scroll bar to view all 10 payments or select the View More button to see additional payments.

Q: Can I remove a pending payment?
A: Yes, on the Pending Payments page scroll to the payment you want to remove and select the Cancel link. Then confirm that you want to delete the payment.

Q: Can I change a pending payment?
A: Yes, on the Pending Payments page scroll to the payment you want to change and select the Details link. On the Payment Details page select the Edit button. Then change the amount, payment date, pay from account or payment category as needed and save your changes.

Q: Can I see completed payments on my phone?
A: Yes, just select the Payment History button on the Make a Payment page. You will see the most recent 10 payments that have been made. Use the More History button to see additional payments, a maximum of 90 days in the past. The details provided include the payee name, payment date, amount and "From" account.

Q: How do I log out?
A: When you're ready to log out, just select the Log Out button at the top right of the page to exit Mobile Web Banking and return to the Login screen.

Q: Are my challenge question answers case sensitive?
A: No, your challenge answers are not case sensitive(e.g., Pine is the same as pine). However, they must be in the same format that was originally used (e.g., 1/2/10 is not the same as 01/02/2010 or Jan 2, 2010). Try to select answers that only you know and ones that you should be able to remember.

Q: Is a password needed for Mobile Web Banking?
A: Yes. From your mobile device, all you need to do is login to Mobile Web Banking the same as you would Online Banking, using the same login information you do for Online Banking. No separate Mobile Web Banking sign-up is required.

Q: I have disconnected my mobile phone. Will my service continue to work?
A: For Mobile Web Banking to work, you must have a mobile device with Web browsing capabilities and active data plan through a wireless carrier.

Q: I have a new mobile device and phone number. Will Mobile Web Banking work on it?
A: Yes. You can access Mobile Web Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and active data plan through a wireless carrier.

Q: Is it safe to bank using the Mobile Web Banking service?
A: Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Online Banking, on each individual mobile device. And all communication between your mobile device, wireless provider and the Mobile Banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored by the mobile device or in the Mobile Web Banking application.

Q: Is help available through my mobile device?
A: For help regarding Union First Market Bank's Mobile Web Banking product, contact Union First Market Bank Customer Service by phone or email by visiting https://www.bankatunion.com/home/support/customers/contact/email. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

Q: What does the "Remember this phone" checkbox do?
A: Selecting the Remember this phone checkbox activates extra security for your phone so you don't have to enter the security challenge questions when accessing Mobile Web Banking using that phone. You also have the option to Remove extra security from this phone, if needed, when you get inside Mobile Web Banking.

Q: My session timed out pretty quickly, can I change the timeout value?
A: Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session times out and displays the Mobile Web Banking log in page with a Session Expired message.

Mobile App Banking

Q: What Apps are available at Union First Market Bank?
A: Union First Market Bank has an app for Apple^® phones and tablets (iPhone^®, iPod touch^®, iPad^®) and Android^TM compatible phones.

Q: How do I get a Mobile Banking App?
A: You can download the App to your mobile device by searching for "Union First Market Bank" in your mobile device's app store such as the iPhone or iPad App Store^SM or Google Play.

Q: What does a Union First Market Bank Mobile Banking App do?
A: The Union First Market Bank Mobile Banking App is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from a smart phone or iPad with Internet access from either a WIFI source or the 3G/EDGE networks.

Q: How does the Union First Market Bank Mobile Phone or iPad App work?
A: First you must download our Mobile App or iPad App from the App Store or Google Play. You can do this either from your mobile phone, iPad or computer. If you do access our App from your computer, the App will install on the mobile phone or iPad the next time it is plugged in to the computer. Once you download the App, log in with the same user ID and password that you use for Online Banking. No separate or different registration is required. Once logged in, you can:

Access Your Accounts - you can view account balances and account history.
Pay Bills (for eligible users) - you must first register for the bill payment feature and set-up your payees/billers on a computer before paying bills through Mobile Banking.
Make Transfers - you must have more than one account on Online Banking for this functionality to be available on Mobile Banking.
Find an ATM/Branch - you can use the App to locate the ATM or branch nearest your location.
Contact Us - you can contact us quickly right from the App.

Q: What is the difference between the iPhone App and the iPad App?
A: The iPad App is formatted to fit the screen of the iPad, and is navigated a little differently than the iPhone App.

Q: Is Union First Market Bank Mobile App currently available to all users?
A: The Union First Market Bank Mobile App is currently available to all Online Banking users who own an iPhone, iPod Touch, iPad or Android device with access to 3G/EDGE or WIFI.

Q: Is there an app for other tablet devices beyond the Apple iPad App for your bank?
A: Sorry, not at this time. There may be a release for other device formats in the future.

Q: Is it safe to bank using the Union First Market Bank Mobile App service?
A: Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from Online Banking. All communication between your mobile device and the Mobile Banking server is encrypted. In addition, your password and account information are never stored on the mobile device. Learn more about mobile security.

Q: How do I access my account history on the iPad App?
A: In the main accounts screen, tap the displayed account to "flip over" the account header and view that account's history screen. To close the history screen, tap the X located at the top right corner of the history. This will return you to the main account screen.

Q: How many transactions can I see on my Mobile App or iPad App at a time?
A: When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the Load More Transactions button to view additional transactions.

Q: What different kinds of funds transfers are available?
A: To do a funds transfer, you must have more than one account in Online Banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your phone nor can you change or remove a scheduled transfer this way.

Q: How can I transfer funds on my iPad?
A: Once you login to the iPad App, tap the Transfer icon. Touch and drag the account from which you want to move funds into the From: box on the screen. Next, touch and drag the account from which you want to move funds into the To: box on the screen. In the calculator type in the dollar amount you wish to transfer. Click the Transfer button. A Transfer confirmation will appear. Click Transfer now to complete your transfer or Cancel to return to the Transfer screen.

Q: Can I setup or maintain scheduled transfers through the iPad App?
A: Not at this time. Scheduled transfers will need to be maintained through full Online Banking site by clicking on the Scheduled Transfers link.

Q: Is there a transfer limit for mobile banking with an app?
A: Yes, there is a transfer limit of $9,999 per transfer when performed within mobile banking when using the iPhone, iPad or Android app.

Q: Why can't I access the Pay Bills tab?
A: The Pay Bills tab is only enabled for users who have signed up for the bill payment feature within Online Banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, select the Pay Bills tab to view scheduled payments and make a new payment.

Q: Can I sign-up for the bill payment feature through my mobile phone or iPad App?
A: Sorry, not at this time. Instead, access the full Online Banking website, click the Bill Pay tab and enroll there. You may have automatically registered for the bill payment feature when you signed up for Online Banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.

Q: Can I make a payment through the mobile phone or iPad App?
A: Payments can be made through the App, but only for existing payees who are already setup through Bill Payment in Online Banking. To setup a new payee, you will need to login to the full Online Banking site and click on the Bill Payment tab.

Q: How do I make a payment using my mobile phone?
A: First, select "Make a New Payment" from the Pay Bills tab. Touch the Make New Payment button, and select a payee name from the list. Touch the Pay from: field to select the account to pay from. Touch the Amount field and type in the amount of the payment. Touch the Send payment on field to select the date to send out the payment. Touch the Pay Now button to submit the payment. A confirmation message will be displayed. Click Yes to submit or No to return the Pay Bills setup screen.

Q: Can I setup or edit payee information for Bill payment through my mobile phone or iPad App?
A: No. To setup a new payee or edit payee information, you will need to login to the full Online Banking site and click on the Bill Payment tab.

Q: Can I see pending payments?
A: Yes, just select the Pay Bills tab to see a list of pending payments.

Q: Can I remove a pending payment?
A: Yes, you can remove a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.

Q: Can I see completed payments on my phone?
A: Yes. From the payee list, you can see the last payment associated with each payee.

Q: Can I access FinanceWorks^TM on the iPad?
A: To access FinanceWorks^TM you can use your iPad's browser to view the full bank site, and login to Online Banking. You will need to allow pop-ups to occur within your iPad's Safari browser in order to see this feature on the full website. The iPad App does not provide direct access to Financeworks^TM.

Q: How do I log out?
A: When you're ready to log out, tap the Log Out button at the top right of the page and you will exit the Union First Market Bank Mobile App. This will return you to the Login screen.

Q: Is a password needed for the Mobile Phone or iPad App?
A: Yes. From your mobile device, you will need to log in to the Union First Market Bank Mobile App. This is the same as you would for Online Banking, using the same login information you do for Online Banking. No separate Mobile App sign-up is required. Reminder: If you change your password through the full website version of Online Banking, then you must use your new password the next time you access mobile banking.

Q: I have disconnected my mobile phone. Will my service continue to work?
A: For the Union First Market Bank Mobile App to work, you must have a mobile device with access to the 3G/EDGE or WIFI networks.

Q: Is help available through my mobile device?
A: Click the Contact Us tab to find our support phone number and email address. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.

Q: What does the "Save my User ID" checkbox do?
A: Selecting the Save my User ID checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe.

Q: My session timed out pretty quickly, can I change the timeout value?
A: Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the Union First Market Bank Mobile App login page displays with a Session Expired message.