Help Center

 

What is consumer banking?

consumer banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using consumer banking, you can:

What do I need to bank online?

Banking online is easy. consumer banking works well on most of today's browsers and must support 256-bit SSL encryption. If your browser does not support these encryption levels, you'll need to update it. To get started, simply enroll to receive your log in information.

What types of accounts can I view with consumer banking?

With consumer banking, you can view all your Bank of Utica accounts, as well as loans.

How often is my account information updated?

Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?

Bank of Utica uses the latest Internet security available, including secure communications (SSL), firewalls, 256 bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?

If consumer banking has been inactive for a period of time, consumer banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using consumer banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for Bill Pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?

Yes.

How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your Bank of Utica accounts.

Do I need extra software or hardware to use consumer banking?

No extra software is necessary. You can access your Bank of Utica accounts from almost any PC that has Internet access.

Will consumer banking work with my current Internet Service Provider?

Yes, consumer banking works with any ISP.

Can I access my accounts from both home and work?

Yes, you can access your accounts from almost any PC.

Need Assistance?

If you have additional questions, contact Bank of Utica for assistance.