Terms & Conditions

Definition of Terms

    A. The terms "you" and "your" refer to users of the Service.
    B. The terms "we", "us", "our" and "United" refer to United Bank.
    C. The term "Account" refers to your credit card account with us.
    D. The term "Service" refers to United Online Credit Card Access as described in this Agreement, which is available through the United Web site.
    E. The term "Password" refers to the code that you use to access the Service.
    F. The term "Software" refers to the computer programs through which you are permitted to access the Service.
    G. The term "Agreement" refers to this Online Credit Card Access Disclosure Statement and Agreement.
  1. PURPOSE. The primary purpose of this Agreement is to authorize credit card payments by electronic means. When you use, or you permit any other person to use, the Service, you agree to the terms and conditions of this Agreement.
  2. SERVICES. You may use the Service to request the following for accounts that may be accessed through the Service:
    • Obtain certain account balance, available credit and transaction information;
    • Schedule the distribution of funds from your checking or savings account to United for credit card payments;
    • Request a credit line increase;
    • Request maintenance on your account.
  3. USE OF PASSWORD; AUTHORIZATION. The primary purpose of this Agreement is to authorize credit card payments. The Password used with the Service acts as the signature of the owner of the account. The Password identifies the user of the Service as an individual who is authorized to conduct transactions from the account and validates the directions given. By using your Password to gain access to the Service and directing us in your use of the Service, you authorize us to follow those directions. All electronic communications that are authenticated and validated by us will be deemed to be valid and given the same effect as written and signed paper communications.
    Your Password for the Service is a security method by which we are helping you to maintain the security of your account. Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PASSWORD. You will be denied access to the Service if you do not enter the correct Password or other requested information. We may require you to change your password from time to time for security reasons.
  4. POSTING. Payments made via our Web site by 5:00 p.m., EST on any Monday through Friday that is not a holiday, will be credited on the day of receipt. All other payments will be credited within five days of receipt.
  5. ELECTRONIC PAYMENTS. When you authorize us to charge your checking or savings account to make a payment on your Account, you must have enough money in the checking or savings account to cover the payment. If our attempt to charge your checking or savings account is not successful because you do not have enough money in your account or for any other reason, we will not be liable for your losses or damages. Your electronic payments may be subject to terms and conditions required by your bank. You are responsible for obtaining copies from your bank of its terms and conditions and for complying with them. If we receive payment information and/or instructions from you and the information and/or instructions are erroneous in any way, we will have no obligation or liability for the error. Your payment will be posted to your account in accordance with the credit card agreement. Your request to transfer funds from your depository account for payment on your credit card account constitutes your acceptance of this agreement.
  6. ACCOUNT RULES AND REGULATIONS. You agree that the use of the Service is subject to the rules and regulations of each account and any other applicable agreements you have with us. This Agreement will control if there is a conflict between agreements.
  7. FEES. Online Credit Card Access is available at no charge. However, we reserve the right to charge a fee for Online Credit Card Access. You will receive advance notice of any change. Any such fee may be amended from time to time in accordance with these terms and conditions. All other fees applicable to your Account remain in effect.
  8. BUSINESS HOURS. Our business hours are Monday - Friday 8:00 a.m. - 5:00 p.m. Holidays are not included.
  9. HOW TO CONTACT US. If you believe your Password has been lost or stolen, please contact us immediately by calling an online Customer Service Representative at 1-800-242-7600 , or writing to United Bankcard Center, P.O. Box 1382, Parkersburg, WV 26102. You may be denied access to the Service until the Service is reactivated and a new Password is selected.
  10. RECORD OF TRANSACTION. You will receive a monthly billing statement showing the status of your account(s), including transactions that occurred during the past month.
  11. DISCLOSURE OF ACCOUNT INFORMATION. We shall disclose information to third parties about your account(s) or the transactions you make:
    1. A. Where it is necessary to complete transactions or investigate transaction errors and verify transactions;
      B. In order to verify the existence and standing of your account(s) with us upon the request of a third party, such as a credit bureau or merchant;
      C. In accordance with your written permission; or D. In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports.
  12. OUR LIABILITY. If we fail to complete a payment to your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if:
    • There are insufficient funds in your checking or savings account to make the payment through no fault of ours;
      A. The funds in your checking or savings account are unavailable;
      B. The transaction you requested exceeded the funds in your checking or savings account plus any available overdraft credit;
      C. Your password has been reported as lost or stolen or your service privileges have been suspended;
      D. We have a reason to believe that the transaction requested is unauthorized;
      E. The failure is due to an equipment breakdown which you knew about when you started the transaction;
      F. The failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer failure or by another cause beyond our control, despite reasonable precautions we have taken;
      G. You attempt to complete a transaction using the Service which is not a permissible transaction;
      H. You have not given us complete information or properly followed our procedures on how to complete the transaction; or


  13. AMENDMENT OF THIS AGREEMENT. We may change the terms of this Agreement at any time, including changes to the Service. We will notify you of the changes as required by law. Your use of the Service, including any new or additional service, after the effective date of the change will constitute your acceptance of and agreement to the change. We have the right to suspend or cancel the Service in whole or in part, at any time, without cause or notice. If the Service is suspended or cancelled, you understand that any scheduled transactions will not be made as scheduled. Suspension or cancellation shall not affect your liability or obligations under this Agreement.
  14. GOVERNING LAW. The terms and conditions of this Agreement are governed by and construed in accordance with the laws of the State of West Virginia, without regard to conflict of law provisions, and federal law.
  15. ASSIGNMENT. We may assign or transfer this Agreement.


Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

United Bankcard Department
P.O. Box 1382, Parkersburg, West Virginia 26102

You may also contact us on the Web at: bankwithunited.com or bankcard@bankwithunited.com. In your letter, give us the following information:

  • Account information: Your name and account number.
  • Dollar amount: The dollar amount of the suspected error.
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

  • Within 60 days after the error appeared on your statement.
  • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

  1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
  2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

  • We cannot try to collect the amount in question, or report you as delinquent on that amount.
  • The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
  • While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
  • We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

  • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
  • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

  1. The purchase must have been made in your home state or, within 100 miles of your current mailing address;
    and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
  3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:

United Bankcard Department
P.O. Box 1382, Parkersburg, West Virginia 26102
bankwithunited.com or bankcard@bankwithunited.com

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.