What if I hold both a personal account and a business account?

In the event that you hold a personal account and also act as a signatory for a business, and you want to register both for online banking, you will need to complete the registration form separately for your personal online banking and your business online banking.

This is because account numbers are directly linked to the customer type and profile, i.e. a personal customer can only see their personal accounts on online banking and a business customer can only see their business accounts.

If you act as a signatory for more than one business, you will need to sign these up separately as well since only the relevant accounts for that business will show online.

How does dual authorisation work?

When maturity instructions are given or notice is served online by one of the authorised signatories on your account, a text message is automatically sent to the remaining signatories to request their approval.

If your signing arrangements are set to ‘all’, please note that a text message will be sent to any signatory yet to sign in and approve a request each time one of the other signatories gives their approval. In practice, this means if your account has four signatories and the signing arrangements are set to ‘all’, the last person to sign in and approve the request will receive three separate text messages requesting their authorisation.

What is dual authorisation and when does it apply?

Dual authorisation is required when your signing arrangements are set to ‘both’, ‘any two’ or ‘all’ to sign, i.e. you have stated that in order to make any changes or provide maturity instructions on your account, two signatories must consent separately to the request.

For online banking, this applies when you wish to provide us with maturity instructions or give notice on any account held with United Trust Bank.

How do I register for online banking?

To register your details, please click here. You will need your United Trust Bank account number, National Insurance number, email address and mobile phone to hand.

You will also need to ensure you have an email address and a mobile number registered with us. Please contact us on 020 7190 5599 between 9am and 5pm Monday to Friday if you think you need to update your contact details.

After you have registered your details, we will email you your username and a temporary password. This email should arrive within a few minutes. If it doesn’t, please check your junk or spam folders. You can then log in to online banking here to complete your registration.

Push Notification

Below is a short video guide on how to register for online banking using push notifications:

SMS Notification

Choosing SMS means we will use a text message to complete authentication using a one-time passcode sent to your registered mobile number.

An example of the message we send for Two Factor Authentication is displayed below. You only need to enter the numbers displayed in the SMS:

Who can access online banking?

Only signatories for your business will have access to online banking, which includes the ability to provide maturity instructions, change their personal details, and send secure messages.

There is no limit on how many signatories you can add to your account. If you would like to add more, please complete the mandate form here.

Is my business eligible for online banking?

All business types are eligible for online banking, other than Self Invested Pension Plans (SIPPs) and Small Self Administered Schemes (SSASs). These can still be managed by phone, email and post.

For all other business types, all signatories will be able to sign up for online banking. To register your details, please click here. If you need to check who the authorised signatories are, please contact us here.

After you have successfully registered your details, we will email you your username and a temporary password. This email should arrive within a few minutes. If it doesn’t, please check your junk or spam folders. You can then log in to online banking here. Please note, if you have not consented to email communications, your details will be sent by post.

To find out more about the access level you will have, please see Who can access online banking?

How do I register for online banking?

We are working on an online banking service for our business and charity customers, and once this is available, we will invite you to register. In the meantime, you can manage your account by email, phone and post.

How do I choose the best business savings account?

This decision should be based on your long-term goals and factor in any immediate needs. For example, if you have funds spare that you can afford to set aside for a fixed period of time, a fixed rate bond is an excellent way to grow those funds with a higher interest rate. For more flexibility, a notice account, including the tracker account, may be more attractive as it will allow you to withdraw funds provided you give the required notice period. Alternatively, an easy access account allows you to deposit and withdraw funds at any time.

How do I know you have received my funds if I can’t access the account online?

For our fixed savings accounts, when we have received the full pledged deposit we will send a confirmation to you. For our notice accounts, we will send you a receipt with each deposit you make.

If you register a mobile number with us as part of your application, we will send you a text message each time you send us funds – regardless of the type of account you hold.