Online Banking: Frequently Asked Questions

General

  • How do I set up online banking?

    Enrolling for online banking service:

    1. Visit the First United Bank website or click this link to access the online banking enrollment form.
    2. Follow form instructions to enroll for online banking.

    First time setup for online banking:

    1. Login to the Online portal with your online banking ID and password.
    2. For security reasons, you will be prompted to enter a secure access code during your first login. You will receive the secure access code on the registered contact number/email address.
    3. Create a new password for your online portal.
    4. You will be prompted to register the device you are logging in from. We recommend registering personal devices that you would frequently use to access the online portal.
    5. Login and access the online banking dashboard.
  • How do I access my online account?

    1. Log in to your Online Banking account with your Online Banking ID and password. Click this link to access the Online Banking Portal.
  • How do I reset my password?

    Forgot password:

    1. In case you have forgotten your password you can access the “Forgot password” link on the login page.
    2. Enter your login ID and follow the instructions on the form to reset your password.

    Change Password:

    In case you wish to change your password, you can access the ‘Security preferences’ option in the navigation tab and click on ‘Change password’.

  • How do I sign up for eStatements?

    1. Log in to your Online Banking account with your Online Banking ID and password.
    2. Follow instructions on the Online Banking Portal to set up your account with eStatements. Click this link to access information on eStatements.
  • Where do I find my routing and account number?

    1. The routing number associated with your account is dependent on the state that you are located in
      • Oklahoma Routing Number - 103100881
      • Texas Routing Number - 111911321
    2. There are multiple ways to find the account number associated with your account
      • Your account number should be on the Information page of this welcome package.
      • Your account number can also be found on the Online Banking page. Please follow the instructions above to log in to your Online Banking account.
      • Your account number can also be found on any FUB checks provided to you.
  • How do I set up direct deposit?

    1. Download the direct deposit form to set-up or switch direct deposits to your FUB account. Click this link to access the direct deposit form ➡

      Note: Please use a separate form for each direct deposit
    2. Fill the form with relevant information to authorize the depositor to automatically deposit funds into your account.
    3. Submit the completed form to your employer or any other agency that deposits directly to the bank.
      Note: Voided checks can be provided to employers for proof of direct deposit
  • How do I activate my debit card after receiving it?

    The debit card can be activated by using your PIN at any ATM or Point-of-Sale transaction. Other convenient ways to activate your card are as follows:

    1. Call Customer Care at 1-800-924-4427 during business hours (9:00 AM- 4:00 PM).
    2. Visit your nearest First United Bank branch.
    3. Call automated telephone banking helpline at 1-800-924-2373, Select Option 6, followed by Option 1.
    4. Visit Online Banking portal,
      1. Access the ‘Settings & Profile’ tab.
      2. Choose the ‘Manage Debit Card’ Option to access and activate your debit card.
    5. Visit the First United Bank Mobile App and access the ‘Manage Cards’ section.
  • What is my daily debit card limit?

    The debit card limit is $2500 per day. To request to have your daily debit card limit raised, call us at (800) 924-4427.

  • How do I dispute unauthorized charges on my debit card?

    1. In case you notice suspicious activity on your account/debit card, call us at (800) 924-4427.
    2. To report a lost or stolen Debit card, you may opt for one of the following:
      • Call 800-924-4427 during business hours.
      • Call 888-297-3416 after business hours and holidays.
      • Mobile App - Login to the Mobile App and click on Manage Cards. Select the card option to either Suspend or Report Lost or Stolen. Log out of the app.
      • Online Banking - Login to Online Banking and click on Settings & Profile. Under Manage Debit Card, check the box next to the card you want to report lost or stolen.
      • Click Submit and log out of Online Banking.
  • How can I order checks from FUB?

    1. Access the additional services tab on First United Bank’s website and click on the ‘Order Checks’ option.
    2. Upon clicking, you will be redirected to a Harland Clarke third party account information form.
    3. Enter valid account information to order checks from FUB.
  • What should I do if I am traveling and want to use my debit card?

    If you will be traveling, call us at (800) 924-4427 and notify us that you will be traveling to avoid having your debit card flagged and blocked for fraud.

  • What should I do if I suspect fraud has occurred associated with my account?

    • If fraud is detected, you may receive an email, text or phone call to verify transactions. Our Fraud Center will only attempt to call customers between 8am & 9pm. Always remember, First United Bank will not call you and ask for your account number, password, or Social Security Number to validate your identity.
    • If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at (800) 924-4427.
  • How can I set-up wire transfers?

    To set-up a wire transfer, you must have submitted the Wire Transfer Agreement form during the account opening process. If you have not submitted this form and would like to set-up a wire transfer, please visit your community bank to complete and submit the form. If you have already submitted the Wire Transfer Agreement form, please follow the instructions below:

    1. Wire transfers can be completed at any First United branch or can be initiated online through the treasury management section.
    2. Wire transfers to domestic and international banks can be initiated by filling out the associated wire form.
      Click this link to access the domestic wire form
      Click this link to access the international wire form
    3. Please call (800) 924-4427x1373 for information regarding wiring money to FUB.

    Note: If you have not submitted the Wire Transfer Agreement form, you may bring a completed wire transfer form to submit along with the Wire Transfer Agreement form.

  • What is my account maintenance or service fee?

    The maintenance or service fee for checking and savings accounts are shown below:

    Personal checking accounts:

    Maintenance or Service fees for Personal Checking Accounts
    Account type
    Monthly Maintenance Fee
    Basic Checking $3.50*
    Secure Checking $6.95
    Prestige Checking $7.50*

    Note: To waive the monthly maintenance fee for Basic Checking: Sign-up for eStatements, setup Direct Deposit, or Primary account holder maintains $10,000 or more in combined deposit accounts (Checking, savings, certificates of deposit) throughout the periodic statement cycle: on any given day of the periodic statement cycle; on the day the Monthly Maintenance fee may be charged. Automatically waived for account holders 17 and under. To waive monthly maintenance fees for Prestige Checking, have $1,000 min. daily balance.

    Personal savings accounts:

    Maintenance or Service fees for Personal Savings Accounts
    Account type
    Monthly Maintenance Fee
    Savings $0
    SmartStart Kids Club $0
    Money Market $9.95*
    CD N/A

    Note: To waive the monthly maintenance fee for Money Market: Maintain a minimum daily balance of $1,500.

    Business checking accounts:

    Maintenance or Service fees for Business Checking Accounts
    Account type
    Monthly Maintenance Fee
    United Business Free $0
    United Business $9.95*
    Prestige Checking $0*

    Note: To waive the monthly service fee for United Business: Maintain a $15,000 minimum daily balance in United Business checking or $50,000 loan balance. Service fee for Prestige Checking is determined by transaction volume, services utilized and earnings credit for balances maintained.

    Business savings accounts:

    Maintenance or Service fees for Business Savings Accounts
    Account type
    Monthly Maintenance Fee
    Business Savings $0
    United Business Money Market Gold $9.95*
    United Business Interest Checking $9.95*

    Note: To waive the monthly service fee for United Business Money Market Gold: Maintain a $5,000 minimum daily balance. To waive the monthly service fee for United Business Interest Checking: Maintain a $5,000 minimum daily balance.

  • What are the limits to the mobile check deposits for newly opened checking accounts?

    1. The mobile check deposit limit varies based on the type of account opened. You may refer below to understand the cap on mobile check deposits for your account.
    Mobile Check Deposit Limit based on Account
    Account type
    Daily limit
    Monthly limit
    Basic Checking (First 30 days) $300 $1,000
    Basic Checking (After 30 days) $3,000 $6,000
    Prestige Checking $10,000 $20,000
    Other account type $300 $1,000
  • How do I contact the bank with questions?

    1. The best resource to contact in case of any questions is the First United Bank Customer Care Center. This call center consists of FUB employees and call centers are located in Sherman, TX and Durant, OK, so you will always receive the highest level of service. The contact information for the Customer Care Center can be found below.

      Customer Care Center Phone Numbers
      • Toll Free: (800) 924-4427
      • Phone: (580) 924-2211
      • Fax: (580) 916-3287
    2. If, for any reason, you would like to speak to a Relationship Banker or your home branch, please call the number of the branch provided to you on the Information page. Click the link and search your location to locate the branch nearest to you.
  • How can I find quick information about my account?

    • To find quick information regarding your account, please call the automated telephone banking number at (800) 924-2373. At this number, you can find information such as:
      • Account balance and history
      • Transfer funds or make a payment
      • Stop payment
      • Debit card services
      • Change access code
      • Get bank information
      • Get account information by email

Enrolling, Logging In, & Device Registration

Alerts

  • Can you set the time for the Alerts?

    Security and Online Transaction alerts are event driven and are sent once the event is recognized, so the user cannot enter a time. Date, Account and History alerts are sent on a daily basis after system processing and do not offer a specific time option.

Bill Pay

Account Transfers & Linking Accounts

Funds Transfer, Account to Account & External Transfers

  • Why can't I cancel a transfer online?

    The transaction is most likely already in the 'Processed' status. You can give us a call at (800) 924-4427 to ask if the bank is able to stop the transfer any other way.

  • What is a "Linked Account"?

    When you link an account from another financial institution, you have view only access to review the transaction details and balance of the account. You are unable to transfer or make a payment.

  • How long does a transfer take to process?

    Whether you are transferring between your own accounts (Funds Transfer) or to another First United customer (Account to Account*), the transfer will be 'real time', in other words, instantly (within regular banking hours with a cut-off time of 7:00pm)

    *Please note that for "Account to Account" transfer both parties must be enrolled in Online Banking