Our Online services give you a unified user experience! Whether you are banking on your PC, tablet or smartphone, the features will remain the same across all devices.

  • Check Balances
  • Access eStatements
  • Transfer Money between accounts. Including accounts at other institutions.
  • Deposit Checks with our Mobile App
  • Account Alerts & Notifications
  • Manage account information
  • Download your Online Banking account activity for Quicken® or QuickBooks® software

If you’re not an online banking customer yet and would like to get started, click Enroll Now for the auto enrollment process.

Enroll Now

Mobile App

Manage your money anytime, anywhere! With our Mobile Services, you can check your account balances, transfer funds, pay bills, locate the nearest branch and more. Whether you are using a tablet or a phone you can easily access your accounts.
Mobile App
Enjoy the same features of online banking, including ExpressPay (bill pay), on your mobile phone or tablet! Here are the direct links for the UBKYMobile app for iOS or Android users. Or search the app stores for UBKYMobile or United Bank & Capital Trust Co.

iTunes App Store Button

Google Play Store App Download Button

Mobile Deposit

Now you have the power to deposit a check anytime, anywhere!

Mobile Deposit is a quick and simple way to make a deposit to your United Bank account from your mobile device. You can submit check deposits securely using our easy self-guided process, saving you time and gas!
Sign up by logging in to Online Banking. Select Services and choose Mobile Deposit Enrollment.*

*Mobile deposit requires approval. There is a $0.50 charge for each deposited check.


Text Banking

The quickest way to get account information! Enable text banking for your device from within online banking (choose Text Enrollment under Settings).  Then provide your SMS Text Number, agree to the terms and conditions, and switch the Off status to On and Save. 

To receive account information, text command options to 226563:

  • BAL or BAL <account nickname> - Request account balance
  • HIST <account nickname> - Request account history
  • XFER <from account nickname> to <account nickname> <amount> - Transfer funds between accounts
  • LIST - Receive a list of keywords
  • STOP - Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)

*Message and data rates may apply.

Bill Pay

Make your payments the smart, easy way—securely through online banking or with your mobile device, without the hassle of writing a check. See how easy it is by viewing the bill pay demo. To sign up, once you have a checking account, enroll in Online Banking. Choose the Transactions tab and click on Personal Bill Pay.

Bill Pay Demo

Quicken and QuickBooks