First Time Login Process
Personal Banking Users
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Log in using your current User ID and Password
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During first login, you'll be prompted to receive a one-time passcode to verify your identity.
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Once logged in, most of your account details and settings should be available and ready to use. We recommend reviewing to ensure everything transferred correctly.
Business Banking Users
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Upon first login, all Business Users must select Forgot Password and follow the prompts to generate a password. After setup, all users will log in with their User ID and Password.
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Token Users: After entering your credentials, you'll need to complete the Token Enablement process. Follow our Hard Token or Mobile Token guides for step-by-step instructions.
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Once logged in, some features and settings may work differently or need to be reestablished. Please see the Business section below for details.
Important Change for Token Users:
Previously, token users entered their token code and PIN in the password field. Now, you'll log in with your password first, then enter your token code when prompted. PINs are no longer used.
Get Our New Mobile App
If you have auto-updates enabled, your app will update automatically. Otherwise, you’ll be prompted to update when you open your current app. If you’re new to our app, use the links below or search “United Bank of Michigan” in your app store to get started.Business Mobile App Users: This new app will replace the previous business banking app, please update to the new app and delete the old.Note: If you used biometrics to log in, you'll need to reestablish in the new app. Any mobile app push alerts will need to be set up in the new app.
Business Banking Updates
Please review your account details carefully to ensure everything transferred correctly. Pay close attention to your Bill Pay Payee information, scheduled payments and internal transfers, and any migrated ACH templates and participants prior to scheduling any new batches, transfers or payments.
The following services may require action
- Bill Pay (multiple companies): See section below for details
- Third-party account integrations: All integrations must be reconnected
- Transfer Templates: Must be recreated in the new system
- Payments & Transfers: Verify payees, scheduled payments, internal transfers, ACH templates, and participants before initiating new activity
Please Note: ACH and Wire history prior to the upgrade did not carry over.
New Features and Benefits
We’re excited to introduce a range of new features designed to save you time and simplify your day-to-day tasks.
- Easily manage ACH and Wires within our new enhanced Mobile app.
- Manage users and entitlements with ease with our improved user management.
- View incoming wire details to easily track and resolve wires more easily.
- Simplify tracking and reconciliation with separate Bill Pay profiles for each business entity.
- Make mobile deposits into any accounts you have access to.
- Streamlined and faster ACH processing
- Faster prefunding timeline: Prefunding will move from a two-day to a one-day process for all clients, improving speed and efficiency.
- Updated credit entry detail: ACH credit prefunding descriptions will include a numeric sequence (with date) followed by 'GeneralLedger' and will post the business day before the effective date.
- Accumulated monthly fee: A single ‘ACH Monthly File Fees’ charge posted on the first business day of the following month, covering all prior-month activity.
Helpful Resources
Bill Pay: Multiple Companies
Our enhanced Bill Pay introduces separate profiles for each business entity.
What's already completed:
- Your primary company (company you first enrolled) is enrolled
- Payees, scheduled payments, and history for the primary company have migrated
Actions required for additional companies:
Existing scheduled payments for additional companies have been cancelled and are visible in the new system. For each additional company:
- Complete enrollment
- Re-add payees
- Reschedule payments
What's New
A modern design
Simple navigation
A new mobile app with enhanced capabilities
Customizable account views
A single platform for business and personal accounts
