United International Bank
Internet Banking User Agreement
Effective: March 15, 2013


This Agreement is a contract that establishes the rules that cover your Internet access to your accounts at United International Bank (UIB) through UIB’s Internet Banking services. By using UIB’s Internet Banking service, you accept all the terms and conditions of this Agreement.

The terms and conditions of the deposit agreements and disclosures for each of your UIB deposit accounts, as well as your other agreements with UIB, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.

This agreement is also subject to applicable federal laws and the laws of the State of New York. If any provision of this agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

The Bank reserves its right to terminate this Internet Banking User Agreement and your access to Internet Banking services (including Bill Pay), in whole or in part, at any time.

In this Agreement, the words "we", "us", "our", "UIB", and "the Bank" mean United International Bank, while "you," "your," and "yours" mean the account owner(s) and any authorized signers on the account.

You agree that your e-mail or other communications viewed or transmitted between you and us through the Internet Banking service shall be treated as "in writing" and shall bind each of us in the same way as written communications. Use of your User ID and Password to access the Internet Banking through our website in connection with a communication that you send to us shall be treated as your signature.


To use UIB’s Internet Banking services, you must have an account at UIB, access to Internet service, and an e-mail address. Once we have received your signed Application Form, and verified your account information, we will send you by postal mail confirmation of our acceptance of your application, along with your assigned Username and temporary Password. Internet Banking can be used to access only the UIB deposit or loan accounts on which you have been designated as an account owner.

Individual Account

If you are an individual customer, you can access to the following Internet Banking services:

  • All Account Inquiry;
  • View account transaction histories;
  • View and print your monthly statement and cancelled check images;
  • Exporting Transaction Information
  • Transfer funds between your linked accounts;
  • Order checks;
  • Stop payment;
  • Bill payment.

Business Account

If you are a business customer, you can access to the following Internet Banking services:

  • All Account Inquiry;
  • View account transaction histories;
  • View and print your monthly statement and cancelled check images;
  • Exporting Transaction Information
  • Transfer funds between your linked accounts;
  • Wire transfers from your account;
  • Order checks;
  • Stop payment;
  • Bill Payment;
  • Cash Management
  • Loan payment

Hours of Access

Internet Banking service is available seven days a week, twenty-four hours a day; however, some or all services may not be available occasionally due to emergency or scheduled system maintenance.


For security purposes, you are required to change your Password upon your initial login to the Internet Banking. You determine what Password you will use.

The identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You accept responsibility for the confidentiality and security of your Password and agree to change your Password regularly. You should not disclose your Username or Password to anyone. If you share your Password with anyone, they will have all access rights to, and if applicable, ability to pay bills from all accounts at UIB owned by you, either individually or jointly.

Your Password must contain at least 6 and no more than 17 characters with at least two alphabetical and two numerical. We recommend that your Password should not be associated with any commonly known personal identification, such as Social Security Numbers, address, date of birth, and names of children. Your Password should be memorized rather than written down. Upon three unsuccessful attempts to use your Password, your access will be revoked. To re-establish your authorization to use the Internet Banking service, you must contact us to have your Password reset or to obtain a new temporary Password.


You understand the importance of your role in preventing misuse of your accounts through Internet Banking and you agree to promptly examine your paper/electronic statement for each of your accounts as soon as you receive it. You agree to protect the confidentiality of your Password and Username. Your Password and Username are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Internet Banking services is encrypted in an effort to provide transmission security and utilizes identification technology to verify that the sender and receiver of transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Internet Banking system is secure, you acknowledge that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Internet Banking services, or e-mail transmitted to and from us, will not be monitored or read by others. E-mail is not encrypted and is not secure. Never send specific account information via e-mail.

The AutoComplete feature that is found in popular web browsers might be convenient to users by pre-populate fields as you type with memorized past entries, however it can also pose a serious security risk when the memorized entries are your security answers or username and password.  This feature is especially vulnerable to theft of personal/account information if you are not sure you are the only one who has access to the computer used for email or Internet Banking, e.g., workplace computer, internet café. 

To turn off the AutoComplete feature in Microsoft Internet Explorer you can do the following steps:

  1. Open a Microsoft Internet Explorer browser window;
  2. Select the Tools menu and click on Internet Options;
  3. Select the Content tab;
  4. Click on the AutoComplete button;
  5. Uncheck Forms and User Names and Passwords on Forms (The Web Addresses option will only track what site you have visited and poses only minor privacy issue);
  6. Click OK twice when you are done.

Fees and Charges

You agree to pay the fees and charges for your use of UIB Internet Banking Services. You agree that all such fees and charges will be deducted from the account designated on your application. If you close your designated account, you must contact us immediately to designate another account. You agree to pay any additional reasonable charges for services you request that are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Internet Baking Services.


Internal Transfers initiated through Internet Banking before 5:00 pm. (Eastern Time) on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. (Eastern Time) on a business day; or on a Saturday, Sunday or banking holiday may be posted on the next business day.

The cutoff time for wire transfer requests initiated through Business Internet Banking is 4:00 p.m. (Eastern Time). 

Overdrafts (Posting Priority of Payments, Transfers, and Other Withdrawals)

If your account has insufficient funds to perform electronic fund transfers you have requested for a given business day, then:

  • Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority.
  • In the event the electronic fund transfers initiated through Internet Banking, which would result in an overdraft of your account, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account, even it is cancelled or reversed at our discretion.

Limits on Amounts and Frequency of Internet Banking Transactions

The number of transfers from UIB accounts and the amounts, which may be transferred, are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. Transfers from a savings or money market deposit account requested via computer count toward the 6 transfers per cycle limit required by Federal Regulation D.

Periodic Statements

You will not receive a separate Internet Banking statement. Transfers to and from your accounts using Internet Banking will appear on the respective periodic paper/electronic statements for your accounts.

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any Internet Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the UIB website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Internet Banking services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Internet Banking services provided to you under this Agreement. We do not and cannot warrant that Internet Banking will operate without errors, or that any or all Internet Banking services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our Officers, Trustees, Employees, Agents or Contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Internet Banking, including: loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of United International Bank exceed the amounts paid by you for the services provided to you through Internet Banking.

We recommend that you do not “save” your password at the sign-in screen for future sessions. This could jeopardize the security of your account access. If you choose to "save" your password, you agree to accept any security risk associated with this.

Consumer Liability for Unauthorized Transactions

Tell us immediately if you believe your Password has been lost or stolen. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your Password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Username and Password, and we can prove that we could have stopped someone from using your Username and Password without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. We are liable only for losses in excess of the limits stated. Please see our Regulation E, Electronic Funds Transfer Disclosure for complete information.

Your Right to Terminate

You may cancel your Internet Banking service at any time by providing us with written notice by postal mail or fax. Your access to Internet Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation. We recommend that you cancel all bill payments that you have scheduled to avoid any duplication of future payments.

Our Right to Terminate

You agree that we can terminate or limit your access to Internet Banking services, upon reasonable notice, for any reason at our sole discretion.

Contact us

You can communicate with us in any one of the following ways:
E-Mail: Info@uibbank.com
E-mail is sent through your own e-mail software. These transmissions are a way to communicate, but are not secure. Therefore, you should not include specific account information such as account numbers, or balances in your e-mail. UIB will not reply to any e-mail with any specific account information.
Telephone: (718) 886-1788
Facsimile: (718) 886-8388
Postal Mail: 41-60 Main Street
Flushing, NY 11355
In Person: Same as above.

Consent to Electronic Delivery of Notices

You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including Electronic Funds Transfer disclosures, may be made electronically by posting the notice on the United International Bank website or by e-mail. You agree to notify us immediately of any change in your e-mail address.


This is your bill paying agreement with United International Bank. You may use United International Bank bill paying service, BillPay, to direct United International Bank to make payments from your designated checking account to the Payees you choose in accordance with this agreement. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a payee.


Complete a bill paying enrollment form. If you want to add a new Payee, use “SET UP ACCOUNTS/PAYEE” on the Internet or speak to our Customer Service Representative. You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. We reserve the right to refuse the designation of a Payee for any reason. Each Payee accepted by us will be assigned a payee code. You may pay any payee you wish in the US. However, you cannot use this service to make transfers to any person subject to Office of Foreign Asset Control restrictions, or to other payees or categories of payees that we establish from time to time. We are not responsible if a Bill Payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.


When you complete your bill paying enrollment form, you will select a USER I.D. and Personal Identification Number (PIN). We will make every effort to accommodate your request. Each time you access the Service, you will be asked to enter your USER ID AND PIN. Correct responses will give you access to the Service.


Single Payments
A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date. Our daily cut-off time is currently 3:00 pm. A single payment submitted after the cut-off time on the designated process date will be processed on the following business day. If you designate a non-business date (generally weekends and certain holidays) as the payment’s process date, the payment will be processed on the first business day following the designated process date.

Recurring Payments
When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

  • If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
  • If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated.

You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to us. We reserve the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and we have not exercised the right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

We reserve the right to change the cut-off time. You will receive notice if it changes.


You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify the Bank and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. The Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. The Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify the Bank after you learn that you have not received credit from a Payee for a Bill Payment. The Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Bank’s agent. In any event, the Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if the Bank has knowledge of the possibility of them. The Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Bank’s reasonable control.

Amendment and Termination

The Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on the Bank’s records, by posting notice in branches of the Bank, or as otherwise permitted by law.

The Bank has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to the Financial Institution. The Bank is not responsible for any fixed payment made before the Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by the Bank on your behalf.


Please refer to our Fees and Charges Schedule for the fee for the Bill Paying Service.

Additional Charges for Customer requested Services and Other Items

These charges will only be assessed if you request one or more of the services listed here. There will be NO Charge for any item if needed to correct a Bank error.

Written Correspondence to Payee: $10.00
Per proof of Payment not necessitated by a dispute: $10.00
Payments returned due to customer error: $5.00
Overdraft Fee: $25.00
The Bank reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred.

Bill payments are Electronic Fund Transfers (EFT) for the purpose of Federal Regulation E. Please see the Electronic Fund Transfers Disclosure Statement received when you opened your account, which discloses important information concerning your rights and obligations.