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Unified Bank

Mobile FAQ

What is my “default account”?

Your “default account” is the first account displayed with the “Balance” message in Text Banking, or the first account displayed in Online Banking, or the first account displayed under Mobile Banking.

Is Google Voice supported for text messaging?

Google Voice uses a pseudo-telephone number that is not support with the SMS system.  You must always enter your real mobile device number for SMS text messages to work properly.

I have an auto signature attached to each of my sent text messages. Will my signature cause errors when texting commands to Mobile Banking?

Yes.  The system will think the signature is a part of the account nickname and return an error. You need to disable the text message auto signature feature before you send text inquiries to Mobile Banking.

What is an App?

An App stands for application or a program that performs certain functions.  Smartphone users use an "App" to do certain jobs on their phone. An app is a piece of software that is developed specifically for the mobile device.  We offer Apps for Apple’s mobile devices (i.e. iPhone®, iPod®, and iPad®), Android™ devices and Blackberry devices.

Is an App from Google’s Play store or Apple’s App Store required?

No.  An App is not required to use Mobile Banking.  A mobile web browser or SMS/text messaging are other alternatives.

Is there a fee for the Mobile Apps?

No.  All of our mobile Apps are free. (Data Rates may apply for download).

Do I have to sign into Online Banking in order to have Mobile Banking?

No.  You can use the Mobile App without signing into the Desktop version.

What happens if I change my phone number?

If you switch to a new mobile number, sign in to your Online Banking account and click the “Profile” tab. You can edit your phone number here.  For text banking, click on "Manage Devices" next to Mobile Banking.  You can deactivate your old number here and add your new number.

My spouse and I share a Login ID for Online Banking. Can we both use Mobile Banking on our phones?

Yes.  First, we always recommend that an account holder obtain their own, unique login credentials.  Under the "Profile" tab, you can view and manage devices that are connected to this account by clicking on "Manage Devices" next to Mobile Banking.

Can I pay bills through my Mobile Banking? 

If you are enrolled in our Bill Payment service you can pay bills on your mobile device.

How do I cancel my mobile banking service?

To cancel, login to your Online Banking account and click the “Profile” tab.  Then click on "Manage Devices" next to Mobile Banking.  You can choose which device to stop using for Mobile Banking.

Can I use cash management with Mobile Banking?

Yes.  Mobile Banking is available to our commercial customers.  Search for "Unified Bank Business" in the Android or Apple Stores.

How often do I need to change my password?

Mobile Banking password’s do NOT expire. You can change your mobile password as often or as little as you like.

If I don’t have a data package or internet access on my mobile device can I still use Mobile Banking?

Yes.  If your mobile device is set up with SMS text message services, you can still interact with Mobile Banking through text messages.

Is there a delay in Mobile Transfers or is the transfer immediate?

Transfers in Mobile Banking are immediate to a bank deposit account…just like Online Banking.

Can I “opt out” of Mobile Banking if I do not want to use it?

Yes.  Simply do not enroll in Mobile Banking.  If you are already enrolled, Un-Enroll in Mobile Banking or call our Online Banking customer care at 1-800-960-5759 x6170.

What if I think my Mobile Banking has been compromised and it is after hours?

You can Un-Enroll or disable your Mobile Banking access from your Online Banking account.

Will Mobile Banking time-out or kick me out?

Yes, Mobile Banking will log you off after 5 minutes of inactivity.

I receive an error when attempting to make a transfer?

The two (2) common errors during transfers are “There was an error processing your request.  Please try again.”, and “Duplicate transaction.  Please check your statement before resubmitting.”  These messages typically appear when attempting to transfer to a dormant account.  Only active accounts can be transferred from or to.


What is FreedomDeposit?

FreedomDeposit (Remote Capture) is a mobile, quick and easy way to make a deposit with your smartphone or device from virtually anywhere at any time.

Is mobile FreedomDeposit secure?

Yes.  Mobile deposit uses the same login, password, and multi-factor authentication (MFA) security as your Online Banking account. You are also asked to answer one of your Online Banking security questions when you login. Making a deposit with your phone is as safe as using Online Banking.

Who is eligible to use FreedomDeposit?

A customer that has an active checking or savings account, Online Banking with our bank, and a mobile device such as iPhone, Android, or tablet is eligible.  

Are there fees associated with FreedomDeposit?

There are no bank fees associated with this service but your mobile carrier may charge for internet access and/or text messages.

What types of checks can I deposit through FreedomDeposit?

Single party personal checks, on-us checks, or business checks that are payable to the owner of the deposit account.

What types of checks are not eligible for deposit? 

Third party checks, checks made payable to cash or the bank, checks not properly endorsed (must be endorsed and "For Mobile Deposit Only - Unified Bank" must be written on the back of the check), incomplete, poor quality or missing information, stamped non-negotiable, returned checks, altered checks, non-domestic checks, travelers checks, bonds, stale dated checks (more than 6 months old), and checks that exceed deposit limits.

Can more than one check be included in a deposit?  How many deposits can be made in a day?

No.  Only one check per deposit with no more than 25 checks within a month as long as you are within your limits.


What are the deposit limits?

$1,500 per deposit, $2,000 per day, and $15,000 per month.

Do I need to use a deposit slip?

No.  An electronic deposit slip will be generated.

How do I endorse my check for mobile deposit?

Sign the back of the check and write “For Mobile Deposit Only - Unified Bank” just below your signature.

When will the deposit be credited to my account?

Deposits submitted on a normal bank business day before 4:30pm will generally be posted to your account the next business day.  Deposits made after 4:30pm or on weekends or holidays will generally be processed the next business day and credited to your account on the following business day.  Our standard hold policies apply and any holds placed are at the sole discretion of the bank.

How soon will the funds I deposit become available?

If you submit a mobile deposit before 4:30pm on a bank business day, your funds should be available the next business day.  Deposits made after 4:30pm, on weekends or holidays will be processed the next business day and should be available the business day following. Holds will be placed on a case-by-case basis as determined by the bank. We reserve the right to reject any item transmitted through this mobile deposit service.

How do I know if the deposit has been accepted and for how long should I keep the check?

For immediate review you can check your mobile Deposit History within the App but it is best to review your statement to confirm that the deposit has posted to your account with the correct dollar amount. Checks should be retained until you have confirmed the deposit is on your account.  You can also review your online banking account the next business day.

How will I know if a deposit has been declined?

In most cases, it will be declined immediately and a message will appear on your device explaining the problem.   After your deposit has been successfully submitted, the status will say "pending" until it has been reviewed.  Once reviewed, the status will change to "Approved" or "Failed".  Please contact your local banking center for questions regarding a failed deposit. 

How long does it take to submit a check deposit through FreedomDeposit?

The transmission time varies depending on the signal strength and speed of your mobile network but normally it should take only a few seconds.  The entire process should take under two minutes.

Can I make deposits into all of my accounts?

You can deposit into a checking, savings, or money market account.

Can I split a mobile deposit between two checking accounts?

No.  A check can only be deposited to a single checking account. After the deposit has cleared, you can then make an online transfer from your checking to another checking account.

Do I need to take a picture of both the front and the back of the check?

Yes.  To successfully complete a mobile deposit you must take a picture of the front and the back of the check.

How do I orient my check when I take the picture for mobile deposit?

Your check should be positioned in landscape format with all four corners of the image to be accepted.  For a clear picture, and to prevent glare and shadows, please take the picture straight down and not at an angle.

May I make a mobile deposit with a check made payable to a joint owner on my account?

Yes.  As long as the individual is a joint owner on the account and the check has been properly endorsed the check can be deposited.