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Frequently Asked Questions

Routing Numbers: Oklahoma 103100881, Texas 111911321

Bill Pay
Mobile Check Deposit

BILL PAY   Watch Demo

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

It’s easy to enroll for Bill Pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.

The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is: Log in to your account and click the "Bill Pay" link. Click the "Add a Payee" button on your home page dashboard. Enter the requested information. Typically this information can be found on your latest bill statement. Once you add your payee, you can start making payments in seconds.

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.


With Mobile Check Deposit from First United, you can make deposits virtually anywhere and anytime. Use your smartphone or tablet to capture a picture of the check you wish to deposit. Submit the picture to your account and you’re done. Deposits are fast, convenient, and easy with Mobile Check Deposit.
• Enjoy the convenience of making deposits 24 hours a day, including weekends and holidays.
• Deposits received by 6 p.m. CST are processed that business day. Weekend and holiday deposits will be processed the next business day.
• Get money to your account faster. Save time and avoid trips to the bank when you use Mobile Check Deposit. Each deposit should take just a couple of minutes, depending on your connection speed.

Mobile Check Deposit for Personal Checking or Savings accounts has no fee for First United customers when depositing to their personal checking or savings account. Message and data rates may apply. Such charges include those from your communications service provider. Mobile Deposit Check Fees for Business Checking or Savings accounts is a flat fee of $10.00 per month for First United customers. Message and data rates may apply. Such charges include those from your communications service provider.

To use Mobile Check Deposit, you must be a current First United customer with a checking or savings account. Your deposit accounts must be in good standing, which includes very limited insufficient and returned check activity. You must also be enrolled in Online Banking.

Using your mobile device, download the First United Mobile App. As a First United customer,
• For personal checking or savings accounts no sign-up is necessary.
• For business checking or savings accounts, just complete the short application here.

Mobile Check Deposit works on most iPhone® and Android™ smartphones.
iPhone® requirements: iOS 5.0 or higher
Android™ requirements: OS 2.2 or higher

At First United, we’re dedicated to protecting your personal information. And we use a variety of technologies that include:
• Security and audit trails
• Industry-standard SSL (Secure Sockets Layer) protocol
• State-of-art 256-bit encryption

If your deposit was accepted prior to 6:00 p.m. CST, your deposit will generally be available the next business day. Deposits made after 6:00 p.m. or on weekends or holidays, are generally processed the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

You can use Mobile Check Deposit 24 hours a day, including weekends and holidays.

Yes, limits are determined by the type of account you chose at First United.

There are a few common errors that may cause your check to reject:
• Folded or torn corners, front image is not legible, amounts not matching
• Routing and account numbers are unclear
• No camera on device
• Image is too dark
• Image is blurry

After submitting images of the front and back of your check, you will receive onscreen confirmation that your Mobile Check Deposit was submitted. You will also receive an email with detailed information and the status of your deposit.

After you receive confirmation that your check has been accepted for processing, mark on the check “Electronically Presented”, “VOID”, or otherwise render it incapable of further transmission, deposit, or presentment. Retain the check for at least 7 days calendar days. You need to maintain control over and be responsible for the check. Please store in a secure place. On rare occasions, we may ask you to provide the check to us. Please destroy check, no later than 7 days after date of deposit.

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