Bank of Utica | Internet Banking

Internet Banking offers you the ability to actually see your accounts, from any Personal Computer connected to the Internet. Look up today's transactions, track your account for real-time, up to the minute balances. Transfer money between Checking, Savings, and Money Market Accounts, with the click of a button. Monitor your Certificates of Deposit and IRA accounts, literally watching your money grow with time. Not sure if you remembered what accounts are attached to your QuickDraw card, simply log in, and look it up. Can't get to the bank to make your loan payment? Internet Banking is the solution, login and make the payment to your line of credit or installment loan.

If you are not convinced yet, what if we told you that you can even export your account information into several file formats, and import that same data into many popular money management software programs. To top it all off, this new service is FREE, and is available to all Bank of Utica customers, so why not start today.

STILL NOT CONVINCED? Bank of Utica now offers Bill Payment as an additional feature of Internet Banking. The best news, it that this new feature will be offered TOTALLY FREE. If you are interested in Bill Payment, then read on. Already a Bank of Utica customer, click on the "First Time Users Instructions" button (seen above) to download the latest instructions on how to get started. (This file is a pdf file, which means that you will have to have Adobe Acrobat Reader to view it. To download this free program, go to http://www.adobe.com and click on the link to get Acrobat Reader.) Further details about Bill Payment are provided in the section below, called "Internet Banking - Bill Payment". Want to become a Bank of Utica customer, contact us during our business hours, posted in the More Information section, or use our contact page to email us.

Bill Payment is finally here. Its available and its FREE. Now you can enjoy the ease and convenience of paying your bills online, no more needless trips to the post office, just to drop off a couple bills, no need to purchase extra stamps each month, in fact, you are in control. As an existing Internet Banking customer who wants to take advantage of Bank of Utica's new Bill Payment, all you have to do is complete The Bank of Utica Bill Payment Enrollment Form (PDF or HTML) and fax, mail, or drop it off to the bank in person; new Internet Banking customers can enroll by using the First Time User steps. Bill Payment is integrated with your existing Internet Banking logon, and can be used for all personal Checking and Savings accounts (some restrictions do apply see "Internet Banking - Additional Notes" below).

Paying your bills, has never been easier. After an initial setup process, in which you create your own payment list; you will be able to select the payments you need to make, specify the date you want the payment to be made (allowing 5-7 business days), and enter the amount. Around 70% of all payments will be transmitted electronically, which means that in some cases, payments will arrive on the very next business day (others may take a little longer). Payments can also be made to friends and family where no bill or account number is available.

For more information on Bill Payment, the features, as well as Internet Banking, please see our extensive list of Frequently Asked Questions. If you have not yet, enrolled for Internet Banking signing up for Bill Payment is now even easier. Simply complete the first time user steps, and answer "YES" to the Sign-Up for Bill Payment option. Not a Bank of Utica customer yet? Then do not hesitate to contact our Personal Banking department at 1-800-442-1028 or email us by using our contact form.

Internet Banking and Bill Payment are subject to the Terms and Conditions located at this link, as well as the Bank of Utica Electronic Funds Transfer Disclosure which can be printed and read at this link. Bill Payment is only available to Personal Checking and Savings accounts, including Money Market Accounts. However, Bill Payments made using a Savings or Money Market Account, are limited to six (6) of which no more than 3 can be a check written by you payable to a third party (as in the case of a Money Market Account). Customers who are interested in Bill Payment, must provide authorization by completing the Enrollment Form mentioned above, or by agreeing to the Terms and Conditions as outlined when enrolling for Internet Banking as in the case of completing the First Time User Steps. Bank of Utica requires that all customers who wish to use Bill Payment, have a valid email address. Customers with invalid email addresses, will have Bill Payment deactivated, or as in the case of an enrollment form, will not be activated for Bill Payment. Bank of Utica reserves the right to revoke Internet Access and/or Bill Payment privileges in cases such as but not limited to, customer abuse, insufficient funds abuse, or suspicious activity.

Enhanced Online Security is the newest layer of security for Bank of Utica customers. This newest security allows you, the customer, to assign a specific image (after initial enrollment) to your Internet Banking Logon. This image coupled with a pass phrase that you also assign during enrollment provides a unique way of identifying you as a customer. The technology uses machine forensics to determine if you are accessing your account from a pre-registered computer; this same technology helps the Bank to identify you as well as you identifying the Bank. A missing image, means you are not connected to our site, DO NOT enter a password (call the Bank immediately 800.442.1028). Of course you can also enroll additional computers such as ones from work, simply by answering a preset security question you setup during the enrollment process. We suggest that you do not enroll a public computer such as one at a hotel or a WiFi (Hotspot). To get started, you will need the enrollment instructions, we hope you find the process to be easy. An electronic format of the instructions in Adobe Reader format can be accessed here ( Enhanced Online Security Instructions).

INTERNET BANKING PRE-REQUISITES In order to use Bank of Utica's new Internet Banking Service, you will need to have an open account with Bank of Utica. You will need to run either Internet Explorer v6 or higher or Netscape Navigator v6.2 or higher (other browsers are supported by the software, you can learn more about these in our Frequently Asked Questions. Your browser must also be configured to accept "cookies", we suggest adding https://secure.bankofutica.com to your trusted web sites, to avoid making your system vulnerable by accepting all tracking "cookies". You will also need to be running the latest version of Flash (available from Adobe. 128 bit encryption is used to establish a secure connection with our server. Customers using other browser versions and builds may receive un-secure error messages or no connectivity at all. Refer to the Frequently Asked Questions (FAQ) page to learn more about this and other questions. Back to Top