Disclosures

Site Link Disclaimer
Throughout this website we provide links to other websites or resources that are not affiliated with United Bancorp, Inc. As a result, you will be leaving United Bancorp webspace and United Bancorp does not necessarily endorse the views expressed, or concur with the facts presented on these sites. Furthermore, United Bancorp, Inc., its affiliates, or its divisional banks do not endorse any commercial products or services that may be mentioned on these sites. United Bancorp, Inc., its affiliates, or its divisional banks are not responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with use or reliance on such content, goods or services on or through any such site or resource.

Security Statement
At United Bancorp, Inc. we believe that a computer system's security is just as important as securing currency in a vault. This is why we have installed industry standard and proven security devices to protect your personal information from falling into the wrong hands. Our Internet Banking Solution utilizes routers, firewalls, Secure SSL Certificate, Secure Socket Layer (SSL) 128-bit data encryption, and Login protection to keep your information just as you want it… private.

Router and Firewall
Our firewall is industry standard and developed by the best-in-the-business. Our firewall filters Internet traffic to and from our Internet Banking Solution (IBS) server. The Firewall is capable of denying malicious traffic and allowing only specific traffic to the server. Requests must filter through a firewall and a router before they are permitted to reach the server. Our routers, more of the best, work in conjunction with the firewall to block and direct traffic coming to the server. The configuration restricts traffic and only permits data flow when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the Bank.


128-bit SSL Encryption
Our Secure SSL Certificate enables users to verify our site's authenticity and to communicate with it securely via state-of-the-art SSL encryption, which protects confidential information from interception and hacking.

By utilizing 128-bit SSL IDs, we enable the world's strongest SSL encryption with both domestic and export versions of modern browsers. 128-bit SSL is the standard for large-scale online merchants, banks, brokerages, health care organizations, and insurance companies worldwide.

Once an Internet Banking session is established, the user and the server are in a secured environment. Because the certificate has certified the server as a 128-bit secure server, data traveling between the user and the server is encrypted with SSL. With SSL, data that travels between the bank and the customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end users browser and creates a temporary private key. These two keys are the only two possible keys for that session. When the session is complete, the keys expire and the whole process starts over when a new user establishes an Internet Banking session.

Click here for more information on SSL and Server Ids


Login Protection
If any unauthorized user attempts entry into an end-user's account by trying to guess a login ID, IBS will disable the password on the third incorrect attempt, thus invalidating the login combination. United Bancorp, Inc., its affiliates, or its divisional banks use a "3-strikes-and-you're-out" lockout feature to disable the password for a set time period. If an end-user accidentally activates this security feature by unintentionally keying a password three times incorrectly, the end-user would need to call the financial institution to reestablish the password for that account if the 24-hour set time period in not acceptable. Information obtained from your Enrollment Form will be utilized to authenticate user access. However, if the information in the Enrollment Form is inaccurate or outdated, a personal trip to your nearest banking office may be necessary.


Two-factor Authentication
Your security is our top priority!

To help protect your online privacy and security from possible fraud and identity theft, a security feature has being added to improve the way you login to your online banking information.

First time users will need to enroll by picking an image, write a brief phrase, and select three challenge questions.

An image, something you know, called a PassMark™, and a Phrase are now in addition to your login and password. Your PassMark™ and Phrase help you to identify that you are using our website and not a fraudulent look-alike site. Here's how it works:

It's quick and easy! And, you can rest assured that your online banking experience has been enhanced to meet today's stringent security standards.


Privacy Principles
We have adopted the following information privacy principles:

Recognition of an Individual's Expectation of Privacy

We recognize and respect the privacy expectations of individuals and have established policies and procedures to prevent misuse of individuals’ nonpublic personal information.

What is “Nonpublic Personal Information”?

Nonpublic personal information is personally identifiable financial information such as 1) information provided by an individual on a form or application, containing sensitive information, such as social security number, tax ID, and account numbers; 2) Information about a customer's transactions, or 3)any other information that Unified Bank has obtained about an individual which is otherwise unavailable to the general public.

Collection and Retention of Information

We collect and retain nonpublic personal information about individuals only where the Bank reasonably believes it is useful (and allowed by law) in administering the Bank's business and providing products, services, and other opportunities to the public.

Disclosure of Customer Information within the Bank

Our various employees, departments, business units, affiliates, etc. share nonpublic personal information about individual customers only where the Bank reasonably believes it is useful (and allowed by law) in administering the Bank's business and in providing products, services, and other opportunities to our customers. For example, our New Accounts Department might inform our Marketing Department about a new customer to allow the Marketing Department to offer the new customer other products and services which might be of interest to the customer. A customer may not “opt-out” from receiving marketing material provided by the Bank.

Disclosure of Customer Information to Non-affiliated Third Parties

In some instances it is impractical for us not to disclose nonpublic personal information to non-affiliated third parties. Nonpublic personal information may be disclosed to non-affiliated third parties 1) to effect, administer, or enforce a transaction that an individual requests or authorizes, 2) to help administer the Bank's bona fide business, 3) at the customer's request, 4) to comply with a legal requirement (i.e. subpoena), 5) to a reputable information reporting agency (i.e. credit bureau), or 6) after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to “opt out” whereupon that individual's nonpublic personal data would not be disclosed.

Except as indicated above, we do not currently disclose nonpublic personal information to non-affiliated third parties. Additionally, we do not have any future plans to change this policy on disclosing data. In the event the Bank does change this policy on disclosing data, the individual will be notified and given the opportunity to “opt out” whereupon that individual's nonpublic personal data will not be disclosed.

Whenever we do provide specifically identifiable customer information to a third-party, we insist that the third-party adhere to similar information privacy principles that provide for keeping such information confidential.

Maintenance of Accurate Information

We have established procedures so that our customer's financial information is accurate, current, and complete in accordance with reasonable commercial standards. We will respond in a timely manner to customer requests to correct inaccurate information.

Limiting Employee Access to Information

We limit access to our customer's confidential and private information to those employee's with a legitimate business reason for knowing such information. Unified Bank will educate our employees about importance of confidentiality and customer privacy and will be appropriately disciplined for any failure to comply with these information privacy principles.

Protection of Information via Established Security Procedures

We have established security procedures regarding unauthorized access to customer information.

Disclosure of Information Privacy Principles to Customers

We will make these information privacy principles available to our customers so that our customers can get a better understanding of our commitment to safeguarding our customer's confidential and private information.

Special Information Applicable to Electronic (Internet) Banking

Our information privacy principles will apply to customer's confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, we feel it is important for its customers to be aware of the unique issues surrounding Internet banking.

To better serve legitimate Internet banking customers, we:

Comments or Complaints by Customers

Any comments or complaints about this policy, any privacy-related issue, or any inaccuracy in customer data can be made by contacting:

Unified Bank
Attn: Privacy Officer
201 S. Fourth Street
P. O. Box 10
Martins Ferry, OH 43935
Telephone: (888) 275-5566 extension 7347
E-mail: Please visit our Contact Us page