How do I view, add or cancel the details to use for my nominated bank account?

To view, add or cancel a nominated bank account, log in and select the ‘Nominated Bank Account’ option on the left side menu.

Should you wish to add a new nominated bank account, select ‘New’ and provide the new bank details. You will then need to link the new details to the relevant account number within the ‘My Linked Account’ option. Please note, you will need to remove the existing link before you can link your new nominated bank account.

Should you wish to cancel the nominated bank account, select the respective details you would like to remove and click ‘Cancel’.

Please note, you will need to remove the link from the ‘My Linked Account’ option on each of your accounts before you can cancel the nominated bank account.

A nominated bank account is a transactional UK bank account, where electronic payments can be sent or received. You must provide one as part of your application, and any funds you send to us must be sent from the bank you have nominated. Each customer is only allowed one nominated bank with United Trust Bank.

How do I give you my maturity instructions via online banking?

Click here to watch our video guide on how to submit your maturity instructions online.

14 days prior to your maturity date, we will send an SMS notification to your registered mobile phone to advise you that you are able to provide maturity instructions online.

We will also send you an email with a secure link to your maturity form outlining your options. You will need to provide a few characters of your National Insurance number for security before being able to view the document. Please ensure you check your junk or spam folder in case our email arrives there.

To give your instructions within 14 days of maturity, please locate the account(s) that is/are due to mature.

Step 1 Click on the account number that is due to mature, then select ‘Maturity Instructions’:

Step 2 Select ‘Add’ and you will be able to provide your maturity options. As you build your instructions, a summary of your choices will be available to review:

Step 3 Once you are happy with your selection(s), select ‘Complete Instructions’. Please note, you will need to provide instructions for the total balance at maturity. Instructions will not be saved until the total balance has been accounted for.

In addition, if you do not complete the instructions, they will not save and you will need to re-enter them:

Step 4 Should you wish to make any withdrawals to your nominated bank account, you will need to ensure that the account has been linked. To do this, please select ‘My Linked Account’, select the account you wish to link and select ‘Save’. Once the account has been linked, the funds will only be remitted to the linked account:

How do I change my interest preferences?

In Online Banking, select the account you wish to update and then select ‘My Linked Account’. Here you have the option to compound interest or to have it paid to your nominated bank account. Please note, you are only able to have interest paid back automatically if you have a Notice Account or a Fixed Term Bond over one year.

You will need to ensure you have selected a linked account to make any payments to your nominated bank.

How do I request a withdrawal/place notice on my accounts(s)?

To submit a withdrawal request or place notice, please log into online banking and select ‘Messages’ to send us a secure message and make the request.

For United Trust Bank notice accounts, you will be able to place notice on your account. The notice period that applies to your account was specified at account opening. A payment to your nominated bank account will occur at the end of the notice period.

For Call Accounts, you will be able to request a withdrawal to your Nominated Bank Account, in line with our Terms & Conditions.

How do I find the interest rate for my account(s)?

To check the interest rate on your account(s), log in to Online Banking and select ‘Accounts’ and then select the account you wish to see.

How do I check my balance on my account(s)?

Log in to Online Banking and select ‘Accounts’ for an overview of your balances. Select individual accounts to view transactions relating to each account.

What is two factor authentication (2FA)?

When signing up for Online Banking, you can decide whether to use Push or SMS notifications for Two Factor Authentication (2FA). 2FA means using a second mechanism (in each case via your mobile phone) to verify your identity. In both cases, a mobile number is required and must be registered with United Trust Bank.

Once registered with either method, your username and a temporary password will be sent to your registered postal address. You will be asked to change your password upon your first log in.

Push notifications

With push notifications, whenever you log in to Online Banking or make any changes to your account via Online Banking, you will be prompted to complete authorisation via an app on your phone. United Trust Bank have partnered with SecurEnvoy for this purpose, and to use push notifications you will need to download the SecurEnvoy Authenticator app to your phone for iPhone or Android from the relevant app store.

During the sign up phase, you will receive an activation email to your registered email address with an activation code. You will be prompted to enter the code into the next screen. Once this has been accepted, a QR (Quick Response) code will appear on the screen and will need to be scanned using the ‘Scan QR’ option on the SecurEnvoy app, after selecting the ‘+’ button. You will then be set up to use push notifications for Two Factor Authentication.

SMS notifications

If you choose SMS notifications, no further set up is required. Thereafter, whenever you log in to Online Banking or make any changes via Online Banking, you will be prompted to complete authorisation using a one-time passcode sent by SMS to your mobile device.

Can I change my username?

No. Your username is created automatically as a unique identifier for you, and it cannot be changed.

If you think somebody may know your username, please contact the Deposits team on 020 3862 1268 between 9am and 5pm Monday to Friday.

How do I change my password?

To change your password, select ‘My Details’ and ‘Online Security’ from the left side menu within Online Banking. You will be able to enter your new password and will be prompted to re-enter it to confirm that the passwords match. Please ensure that the new password is a unique and new password and not the same password as you are currently using. Once you are happy with your choice, select ‘Change password’ and this will carry out your request.

If you have forgotten your password, please see I have forgotten my password. What should I do? to find out what actions you need to take. If you think somebody may know your password or log in details, please contact the Deposits team on 020 3862 1268 between 9am and 5pm Monday to Friday.

I have forgotten my password. What should I do?

Please select ‘Forgotten your password?’ underneath the ‘Log in’ button, where you will then need to enter your username, followed by your memorable word and email address. A new temporary password will then be emailed to you.

I have forgotten my username. What should I do?

Please select ‘Forgotten your username?’ underneath the ‘Log in’ button, where you will then need to enter your memorable word, email address and postcode. A reminder of your username will then be emailed to you.