Questions & Answers

Banking

How does the "Electronic Federal Tax Payment System" affect me?

Effective December 31, 2010, financial institutions will no longer accept TT&L (Treasury Tax & Loan) payments. Businesses must use the EFTPS (Electronic Federal Tax Payment System) to make their payments. EFTPS is a service offered free by the U.S. Department of the Treasury to help business and individual taxpayers conveniently pay all their federal taxes electronically.

Are deposit accounts FDIC insured?

Yes! Each customer is insured by the FDIC, up to $250,000.

Can I open an account if I don't live in the United States or I am not yet a citizen?

We only accept applications from individuals residing within the United States, with valid U.S. tax identification numbers (Social Security Numbers).

To what extent can I conduct my banking from my home or office?

Due to the benefits of modern technology and the rise of home and office computing, there is almost nothing you can't do from the comfort of your own home or office.

We make it easy with services like:

  • Direct Deposit
  • Telephone Banking
  • Online Banking
  • Online Bill Payment
  • eStatements
  • MasterCard Statements
  • ScoreCard Rewards
  • ATM Network

Even more freedom when you open a Leadership Banking checking account. NO ATM FEES anytime, anywhere.

Checking

Does Uwharrie Bank use real-time interface for ATM / Point-Of-Sale transactions?

Yes, we do use real-time interface for ATM / POS transactions. You will be able to see transactions in real-time when viewing Online Banking. When an ATM / POS transaction is performed, it will immediately memo-post and subtract from the Available Balance. Cash deposits will also be reflected immediately on your cards. Should you have any questions about real-time interface please contact your Relationship Banker.

How do I set up Direct Deposit of my payroll check?

With your Checking Account you will receive a routing number, transit number and account number.

If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Our Switch Assistant can help guide you through this process.

How do I set up Direct Deposit of my Social Security check?

With your Checking Account you will receive a routing number, transit number and account number.

Simply contact us and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Are wire transfers possible to and from my checking account?

Yes! Funds can be transferred to and from your account(s) by wire transfer or via ACH (Automated Clearing House) debits or credits.

How do I make a deposit to my account from a remote location?

Most deposits can be made by taking advantage of Direct Deposit. You can also make deposits at our ATM's or via ACH (Automated Clearing House) transactions.

We also offer a bank-by-mail service which allows you to mail non-recurring deposits.

Online Banking

How do I access my accounts online?

You have many options as to how you can access your accounts online.

Checking Accounts, Savings Accounts, and Loan Services can take advantage of Telephone Banking, which is automatically available to all customers.

Online Bank Statements acts as an online version of your offline statement. Activating this service will discontinue your offline statements.

Online Banking and Online Bill Payment services enable you to interact with your checking, savings, and loan service accounts on a day-to-day basis. Pay your bills and loan payments electronically.

Online MasterCard Statements acts as an online version of your offline credit card statement. Pay your statement bills online and keep track of your credit card transactions.

Online ScoreCard Rewards opens up a whole new world of online rewards, in conjunction with your MasterCard.

What products can I apply for online?

Once you have a Checking Account, Savings Account, Loan Service, or Card Service you may activate many value added services online or by telephone. Please reference activation instructions available on the respective service page.

Can I access both my business and personal accounts under the same ID?

Yes, if the business account(s) is set up as a sole proprietorship with your social security number as the tax ID for the business.

How frequently is my information updated?

All information and transactions are updated nightly. Whether you access your accounts online, via telephone or visit one of our locations, your account information is updated every business night, excluding weekends and holidays, to reflect all account activity.

Can I look at all of my transactions at any time?

Yes! Personal Online Banking allows you to view your checking, savings and loan service transactions, 24 hours a day, 7 days a week! Transactions are updated nightly.

MasterCard Statements allows you to keep track of your credit card transactions 24 hours a day, 7 days a week.

How do I sign-up for Personal Online Banking?

Personal Online Banking enables you to interact online with your Checking, Savings, Loans, CD's and/or IRA accounts. If you do not already have an account, click here to sign-up for Personal Online Banking. Once your application has been submitted it may take between 1-2 business days for us to setup your account. We will notify you by email.

Click here to view Personal Online Banking from within a demonstration account.

Why can't I see my past "Account History" within Online Banking?

Your new Online Banking account tracks your account history from the point at which your NEW account is activated.

You will still have a record of any prior payments on your prior bank statements.

Online Bill Payment

How does Online Bill Payment work?

Forget about rushing to the post office before 5 PM or buying stamps. We've got you covered. Online Bill Payment is like an electronic version of your checkbook. Instead of writing checks every month you can now pay your bills with the click of a button. Automate payments, save time and more effectively manage your money with tools designed to help you.

Are all payments made electronically?

Whenever a payment can be made electronically this method will be used. This is generally dependent on the relationship with the payee (such as the cable company, utility company, etc.), the amount of the transaction, and how long you have been using bill payment services.

Until an "electronic" relationship has been established, with the payee, payments will be made by paper check or draft. These paper items will post to your checking account and will have check numbers in the 5,000 range.

Why might my checking account show checks posted in the 5,000 range?

Whenever a payment can be made electronically this method will be used. This is generally dependent on the relationship with the payee.

Until an "electronic" relationship has been established, with the payee, payments will be made by paper check or draft.

Paper items posting to your checking account, in the 5,000 range, represent bills from Online Bill Payment which are being paid by physical check instead of electronically. Your bank statement will include all the details of these transactions.

How do I sign-up for Online Bill Payment?

Online Bill Payment is a service that adds additional functionality to your existing Personal Online Banking experience. If you do not yet have a Personal Online Banking account, click here to sign-up for an account first.

For those who already have a Personal Online Banking account please log into your account. At the top of the page locate and click on the "Bill Payment" tab. An application form will display. Complete the application to setup Online Bill Payment. That's It!

How do I use the NEW Bill Payment system?

Sign In to your Online Banking account and go to the Bill Payment portion of your account.

Locate the "Help" button, to the right of the page. This section provides detailed step-by-step instructions.

How long does it take to setup a new payee in the Bill Payment system?

Once you have entered a new payee into the Bill Payment system, it takes two business days to set up the payee to receive payments.

Can I enter a bill payment to the new payee during those two business days?

Yes! You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up.

Any payments made to the payee before the payee is added to the system will be delayed by approximately two business days.

Why is it important to enter the "Payment Due Date" when entering bills?

The NEW Online Bill Payment system works off of the Payment Due Date.

This means when you enter the date the payment is due the system will work backwards to begin processing the payment in time for it to reach the payee.

You will be presented with a calendar showing the earliest date available for payment based on the method of payment (paper draft, electronic payment, etc.)

The new system takes care of the calculations and guarantees timely payment. In most cases, payments are not drawn on your account prior to the due date. This allows your money to stay in your account for longer, earning you more interest.

What is the approximate delivery time for payments made via Online Bill Payment?

The delivery time for payments made via Online Bill Payment is determined automatically. Simply select the date you would like your payment to be received and we guarantee your payment arrives on time. Forget about rushing to the Post Office before 5PM or buying stamps. We've got you covered! Pay your bills anytime and anywhere you wish!

Do you offer Alert Messages in conjunction with my Bill Payment account?

Yes! Sign In to Online Banking and go to the Bill Payment portion of your account.

Locate the "Messages" button, to the right of the page. This section provides alert messages in conjunction with your account.

Mobile Banking

Tell me more about mobile banking security?

Mobile Banking is growing in popularity with an estimated 238 million people in the U.S. having access to a mobile phone. Saving you time and keeping you informed Mobile Banking offers many benefits. Learn more about how you can increase the security surrounding your mobile phone and the applications and features you run on it.

eStatements

How far back can I go when viewing eStatements online?

At any given time you can view 365 days worth of statements. Of course, this assumes you have had your bank account for at least 365 days. Check images are also available for prior periods, by clicking on the check numbers or deposit links within eStatements.

Enhanced Login Security

I keep getting this prompt for something called Enhanced Login Security?

This is a new feature we are offering to help improve the security of your Online Banking account. It will help prevent unauthorized access to your account. Once you've enrolled your computer, you won't even know it's there!

I often use a public computer. Should I go ahead and enroll that computer?

We recommend that you do not enroll a public computer. It is better to continue to answer the challenge questions.

How is my identity authenticated?

The first time you enroll, you are authenticated with a user ID and password. Once you have enrolled in Enhanced Login Security, two factors are always required. If you attempt to sign in from an unenrolled computer you will be required to authenticate through additional challenge questions.

Can I enroll multiple computers?

Yes, you can enroll multiple computers but we recommend not enrolling computers with public access, as in the case of a public library or hotel.

How will you handle accessing multiple accounts from one computer?

You will be able to access multiple accounts from the same computer. One secure cookie will be stored in the browser for each account.

When will I get challenged?

If you are enrolled in Enhanced Login Security and the computer lacks the secure cookie credential, you will be challenged.

Online Security

I'm still hesitant about banking online. Can other people see my information?

Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to ensure our systems meet the latest security standards, encryption methods, and software.

What about completing forms within online applications. How secure are they?

All our online applications utilize the latest encryption technologies to secure any data being transmitted between your computer and our servers.

Please be aware that standard email applications like Yahoo Mail, Hotmail, Microsoft Outlook, among others, are not a secure method of communicating sensitive information online. Secure Email is available for secure online email communication, otherwise please call us directly with any questions you may have.

What about information that is stored on your systems. Is it encrypted as well?

Any information stored on our systems is protected by the highest levels of security available.

Tell me more about mobile banking security?

Mobile Banking is growing in popularity with an estimated 238 million people in the U.S. having access to a mobile phone. Saving you time and keeping you informed Mobile Banking offers many benefits. Learn more about how you can increase the security surrounding your mobile phone and the applications and features you run on it.

What exactly is encryption and why does it make everything more secure?

Encryption is a way to rewrite sensitive information into a special code or language that can then be transmitted from one location to another.

During transit this information is unreadable in its encrypted form. This coded information can only be decoded by your computer and our systems.

Our systems employ the latest encryption technologies meaning sensitive information is encrypted at least 128 times before it is ever transmitted via the Internet.

To fully benefit from these encryption technologies it is recommended that your internet browser be Internet Explorer 6.0, Netscape 7.0 or a more recent version.