Merchant Services

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.

Transactions that are restricted under the Unlawful Internet Gambling Enforcement Act are prohibited and should not be processed through commercial accounts.

Help Us Prevent Identity Fraud
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According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
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The USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
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Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity.  It may also be required for you to provide one or more forms of identification.

Identity theft is when someone has access to your personal information, such as your name, date of birth, and Social Security number, and uses it to commit fraud.
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Identity thieves can cost you both time and money. Recognize the signs of ID theft and take immediate action.

• Unauthorized activity is detected on your bank account or on new accounts that you have on your credit report.
• Unexpected calls and letters from debt collectors arrive about loans or other debts that you do not owe.
• The IRS has notified you that there is a possibility that your tax return may be incorrect or that your tax return was filed under your name previously.
• You are notified that your account was accessed using a device you don’t recognize.
• You are charged for medical services that you did not receive.
• Bank statements and bills are no longer sent by mail.
• Credit is suddenly denied to you.

Anyone can become a victim of identity (ID) theft. These steps can help reduce the risk of ID theft.

1) Secure your personal data.

• Don't give out personal information to anyone via email, text, or phone call.
• Switch to paperless statements.
• Don't put anything with your Social Security Number on it in your wallet. Only give it out when absolutely necessary.
• Do not overshare on social media. Use privacy controls to ensure that your personal information isn't made public.
• Talk to your children about internet safety and make sure they don't share any information online without permission.

2) Protect all of your devices.

• Make sure you keep your devices up-to-date with the most recent security patches and software.
• Use a password that is at least 8 characters to secure your home Wi-Fi network and devices.
• When possible, enable biometrics like fingerprint sign-on, retina/facial identification.

3) You can control who can access your accounts.

• For each account, create a strong password and don't reuse it on any other website.
• Multifactor authentication is a great way to provide extra security when signing in to accounts.
• To help you keep your accounts safe and monitor your finances, activate account alerts.
• Confirm that your email address and phone number are correct in your financial accounts.

If you are a victim of ID theft, act quickly. Report identity theft and get a recovery plan at IdentityTheft.gov.
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United, we have the power to combat fraud. We believe that knowledge is the best defense against fraud. Learn more by visiting AARP Identity Theft or the Identity Theft Resource Center.