CASH MANAGEMENT

Versatile, Powerful and Time-Saving.

First United Bank offers a robust menu of cash management services designed to help improve cash flow and simplify your accounting. Our secure online banking portal will give you access to products and services that will make managing your cash flow more efficient. Cash management is fully customizable allowing you to set user controls and move money as needed.

Some of its advantages include:

  • It’s available anytime, anywhere you have Internet access
  • It is customizable and allows you to set user permissions
  • Save on bank fees by initiating your own transactions
  • It’s safe, secure and easy to use

Cash management makes it easy to manage your accounts so you can focus on your business.

Service your accounts easily by:

  • Performing a checking inquiry to determine the status of a check
  • Issuing a stop payment on a check at a discounted rate
  • Canceling a stop payment
  • Exporting transactions into QuickBooks®, MicrosoftMoney® and BAI or CSV files

With cash management you can:

  • Pay Bills
  • Administer Collections
  • Process EFT Tax Payments
  • Process ACH Receipts
  • Initiate Wire Transfers
  • Process Payroll
  • Process ACH Payments
  • Order Currency

Safety & Security

We understand our customers and know that trust is a critical part of our relationship. We also know that you need online access to your money and financial information. Aside from basic precautions you should take in any internet transaction, you don't need to be too concerned about the safety of banking online. It’s our job to make your interactions convenient and secure. Rest assured that First United Bank has established stringent policies and procedures in all departments related to online banking transactions in order to ensure the accuracy, integrity and confidentiality of all information we process online.

Passwords

Before you access the First United Cash Management system, you are required to enter your personal user ID and password. Without the correct login credentials, you will be unable to view or use any Web pages within the online banking system. After your initial login, you will be required to change your temporary password to ensure confidentiality. You are allowed to change your password at any time. For your protection, we recommend you update your password every 60 to 90 days.

Secure Connection – SSL Data Encryption

We understand our customers and know that trust is a critical part of our relationship. We also know that you need online access to your money and financial information. Aside from basic precautions you should take in any internet transaction, you don't need to be too concerned about the safety of banking online. It’s our job to make your interactions convenient and secure. Rest assured that First United Bank has established stringent policies and procedures in all departments related to online banking transactions in order to ensure the accuracy, integrity and confidentiality of all information we process online.

Trusteer Rapport

Trusteer Rapport is security software designed to protect personally identifiable information such as online credentials from theft by malware or via phishing attacks. First United Bank offers this software as a free download for our online banking customers.

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Frequently Asked Questions

Any browser software will get you access to the cash management system. The browsers typically used are Internet Explorer® and Netscape Navigator. Due to security limitations in older browser versions, you should be running (at a minimum) Internet Explorer® 4.0 or Netscape Navigator 3.0.

Go to First United Bank’s website (www.FirstUnited.Net). Enter your login ID in the white box under “Online Banking Login” on the far right side of the menu bar. Click “Login”.

Cash management requires the use of a “Login ID” and a password. The initial password was mailed to you in your online banking Welcome Kit. The Login ID is the primary account number you designated in your online banking enrollment application.

It is recommended that you change your password often. There is no real requirement to change a password for cash management, but for your protection, we recommend a new password every 60 to 90 days.

A password on cash manager must be a minimum of five (5) characters and maximum of ten (10) characters long. The characters can be alpha or numeric. The password is case sensitive.

Contact a customer service representative at First United Bank who will in turn contact the Data Processing Department. They will send you a new “temporary” password via eMail. For security purposes, this you will be required to change your temporary password upon your first (next) login.

Accounts are related to your online banking system profile using the Customer Information File (CIF) at First United Bank. If you have multiple accounts on a CIF, those accounts will be related to your primary account after you have enrolled in the online banking system.

Yes. Other accounts that are not naturally related may be added to the online banking profile. First United Bank will make every effort to insure that security is not compromised in adding additional accounts to your relationship.

Wire transfer cutoff time is 1:30 PM, CST. All other requests entered into the online banking system by 3:00 PM will be processed that day. Requests after 3:00 PM will be processed the next business day.

Online banking transactions submitted prior to 3:00 P.M. Central Standard Time (CST) will take place that day. Transactions submitted after 3:00 P.M. CST will take place the next business day.

You may cancel a transfer as long as you do it before 3:00 P.M. CST on the business day that you made the transfer.

You can export checking and savings account history into financial software such as Quicken® and Microsoft Money®. You can also export checking and savings account history into a spreadsheet.

SSL is an acronym, which stands for Secure Socket Layer. Netscape Corporation has created the best-known secure server technologies. It uses a security protocol called Secure Socket Layer, which provides data encryption, server authentication, message integrity and optional client authentication for a TCP/IP connection. When a client program connects with a secure server, they exchange a “handshake” which initiates a secure session. With this protocol, the same server system can run both secure and insecure web servers simultaneously. This means an organization or company can provide some information to all users using no security, and other information that is secured. For example, a business that sells products online can have their storefront (merchandise catalog) unsecured, but ordering and payment documents or forms can be secure.

Encryption software acts like the cable converter box on your television set. It scrambles the data with a secret code so that no one can make sense of it while it’s being transmitted. When the data reaches its destination, the same software unscrambles the information.

The Cash Management system allows a business customer of First United Bank to make ACH payments, wire transfers and payroll transactions. Some businesses have different employees who fulfill the various transactions for an account. The cookie that is placed on a PC for Cash Management purposes will insure that an employee performs their job functions at the same PC every day. They will be unable to log in from home and make transfers. This security is an added benefit to commercial customers.

A cookie is a small file sent to your web browser by a web server to record your activities on a particular website.

A cookie is another security feature of cash management and is only placed on computers using this feature of the First United online banking system. The cookie placed on the PC is a way for the online banking system to identify the location and the user of the Cash Management system.

To learn more about Cash Management services from First United Bank:
  • Stop by your nearest First United Banking Center.
  • Contact our Customer Service Department at (855) 382-7827 (FUB STAR) and ask to speak with a representative from Electronic Services.