UniBanker is our Internet-based computer banking system. It allows quick, simple and secure electronic access to your accounts at UniBank. In addition to its account balance and transaction reporting, UniBanker gives you the ability to:

• Review up-to-date history of all account transactions
• Make transfers between UniBank accounts
• Initiate stop payments
• Initiate wire transfers from UniBank
• Electronically move funds to and from UniBank via ACH
• Initiate direct deposit of pay and tax payments through ACH
• Import and export information from other finance and accounting systems

Balance and detail reporting is one of the primary features of UniBanker. By using it to review account balances and detailed transaction data, you can more effectively monitor your account position(s) at UniBank and manage funds. UniBanker also allows you to verify current and historic activity with ease.

UniBanker provides the ability to transfer funds from one UniBank account with a “click” of a mouse, at your convenience. UniBanker also permits you to initiate one or several stop payments, request photocopies of checks, or release stop payment orders previously issued.

UniBanker streamlines wire transfers without sacrificing control or security. Using an automated process, UniBanker electronically transmits your wiring instructions to the bank and eliminates the need to FAX instructions and/or call the bank. With the ability to set appropriate access for each employee through individual logins, there is always full accountability.

Using a highly secure environment, UniBanker permits you to create all types of Automated Clearinghouse (ACH) payments including, but not limited to:

• Direct deposit of employee pay
• Transfers to your accounts at other banks
• Transfers from your accounts at other banks to UniBank
• Federal tax payments
• State tax payments

As with wire transfers, UniBanker electronically transmits your instructions to the bank and eliminates the need for phone calls or FAX transmission.

UniBanker consists of two components: Basic and Cash Management.

With Basic Online Banking the customer can see all of their accounts with real-time balances, view the history of each account, export history to their accounting software for account reconciliation, find and print previous bank statements, print check images, transfer funds to and from their other accounts at UniBank, and initiate stop payment orders.

With the Cash Management product the customer can set-up their own direct deposit for payroll, pay their federal and state taxes electronically, initiate ACH payments and receipts, re-present checks, initiate wire transfer requests, and send files created in their own accounting software in a secure environment.

UniBanker allows you to control your own security and to provide access to accounts, information and transactions to individual employees as you determine it is appropriate. As staffing changes, you can quickly modify levels of access to UniBanker to meet your ever-changing needs, and you can change your employees’ passwords as needed.