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Frequently Asked Questions

Consumer and Small Business Online Banking

Business and Cash Management Online Banking

Mobile

Bill Pay

People Pay

External Transfers

PFM

Consumer and Small Business Online Banking

How do I apply for consumer online banking?

  1. Go to the bank web site at www.fnbutah.com
  2. Click on 'Register' in the online banking login box on the home page
  3. Fill out the Online Banking Enrollment pages and submit
  4. Depending upon the application you will either be granted instant access or you will receive a confirmation message of the submission and be contacted by the bank within 1-3 business days. Once your application is approved you will be able to login with the User ID and password you put on your application
Note: The first time you login, you may be asked to get a security code through a phone call or SMS text message

What is an online banking security code?
This is a security feature within online banking to authenticate a user's sign on. It is a one-time code.

How do I get a security code?

  • Click on the 'Continue with Security Code' button when presented with the security code page
  • Choose a radio button by a phone number to get a call or select 'Text Message' for a text (Your phone must be on file with the bank)
  • Phone call
    • Phone rings, you answer and the process begins
    • You read or key in the number from your screen into the phone. If successful, you go on to password entry.
  • Text Message
    • You key in your mobile phone number and are sent a SMS message that contains the code
    • You enter the code into the dialogue box on your screen. If successful, you go on to password entry

What if I have no access to my phone to get a security code?
You can answer security questions from your credit report instead by selecting the 'Answer verification questions' link

Why do I have to get a security code every time I login?
If you are logging in from different devices or locations, this could cause you to need the security code or if your browser deletes cookies, then you will be asked to get it every time (you may need to check your computer or browser settings)

What do I do if I don't recognize the phone numbers listed when I try to get a security code?
Go back and carefully re-enter your User ID. It must be exact to pull the proper information.

How do I add or delete an account from consumer online banking?
You can hide or unhide accounts from your list by going to the Customer Service tab within your online banking and clicking on “Customize your accounts”. If you are missing an account from this list, please contact the bank for help.

How do I get online statements?
Once in your online banking, click on the Accounts tab and then select ‘Statements’. Accept the terms and conditions for eStatements.

How do I access my online statements?

  1. Sign on to your online banking. Click on the Accounts tab and select ‘Statements’ from the menu. The first time you access statements online you will be asked to accept the Terms and Conditions for eStatements.
  2. When the agreement is accepted you will be presented with a screen that has a list of your online documents. Select “eStatements” and your most recent statement should appear. You can also select other available statements from the Date menu on the right side of the screen.
  3. You can print and/or save the statement on your computer. It will also be stored in your online banking for at least one year.

How do I setup alerts for my accounts?
Login to online banking. Click on the Customer Service tab and select ‘Manage Alerts’. From there you can add, edit or delete alerts. Make sure to opt in your phone to receive text messages.

How do I change my password or User ID?
Login to online banking. Click on the Customer Service tab and select either “Change password” or “Change user ID”.

How do I update my contact information?
Login to online banking. Click on the Customer Service tab and select either “Manage contact information” for email addresses and phone numbers or “Change address” to request an address change.

How often should I need to update my password?
The system will automatically prompt you to update your password every six months (from the time of your last password change).

Why can't I connect to QuickBooks?
Quicken is available in consumer online banking but QuickBooks connections are only available in Business Online Banking.

What do I do if I'm having trouble getting Quicken to connect?
Use your instructions from Quicken for connecting accounts and if you still are unable to connect, please contact Quicken for support.

Business and Cash Management Online Banking

What is the difference between consumer online banking and business online banking?
A business who only wants to view their accounts and do simple transfers with only one signer managing the online banking can enroll in the consumer online banking. If a business wants to use cash management services (ACH, remote deposit, positive pay, Quickbooks) or needs more than one online banking user, they will need business online banking.

How do I apply for business online banking?

  1. Go to the bank website at www.fnbutah.com
  2. Click on 'Enroll' at the bottom of the business online banking login box on the home page
  3. Fill out the Online Banking Enrollment pages and submit (Please add all of the account that you want to view)
  4. You will be contacted by the bank within 1-3 business days. Once the application is approved you will be able to login with the Company ID, User ID and password.
Note: If the enrollment is not filled out by a signer on the accounts then extra agreements and paperwork will apply

What is a Company ID?
A Company ID is an assigned number from the business online banking system that a business user will use to login. This is assigned upon completion of enrollment.

How do I add or delete an account from business online banking?
Adding or deleting an account must be done by the bank. Please contact the bank for help.

How do I get business online statements?
First you must be entitled to eStatements on the system but once you are, click on the Reports tab and then select “eStatements”. You must accept the terms and conditions for eStatements.

How do I access my business online statements?

  1. Sign on to your online banking. Click on the Reports tab and select ‘eStatements’ from the menu. The first time you access statements online you will be asked to accept the Terms and Conditions for eStatements.
  2. When the agreement is accepted you will be presented with a screen that has a list of your online documents. Select “eStatements” and your most recent statement should appear. You can also select other available statements from the Date menu on the right side of the screen.
  3. You can print and/or save the statement on your computer. It will also be stored in your online banking for at least one year.

How do I setup alerts for my accounts in business online banking?
Login to business online banking. Click on the Administration tab and select “Manage Alerts”. From there you can add, edit or delete alerts. Make sure to opt in your phone to receive text messages.

How do I change my password or User ID in business online banking?
Your User ID cannot be adjusted unless a new profile is created. For your password, login to business online banking and click on the Administration tab and select “Change password”.

How do I update my contact information in business online banking?
Login to business online banking. Click on the Administration tab and select “Manage contact preferences” for email address and phone number changes. Please contact the bank to change your address.

What do I do if I'm having trouble getting Quicken to connect?
Use your instructions from Quicken for connecting accounts and if you still are unable to connect, please contact Quicken for support.

What do I do if I'm having trouble getting QuickBooks to connect?
Use your instructions from Quickbooks for connecting accounts and if you still are unable to connect, please contact Quickbooks for support.

How do I establish multiple users with customized access?
One person, usually a signer, becomes the Primary User (Admin) for the business online banking profile during enrollment. The Primary User can then setup and administrate for multiple users and give them the abilities that they want them to have. They do so under the Administration tab by clicking on “Manger users”.

Mobile

What app should I download?
If you login to consumer/small business online banking, use the Personal app. If you login to business online banking, use the Business app.

Do I need to enroll my phone in the Mobile Enrollment Center in online banking?
If you want to use text banking or the web browser app, then you must enroll through the Mobile Enrollment Center first. If you are downloading the app, you do not need to.

Can I update my password on the mobile app?
Not at this time. You must login to online banking through a browser.

Why do I have to answer security questions?
Answering the security questions allows us to verify your identity for your mobile device. It should only ask the questions the first time you log in to the downloadable app.

Can I use Touch ID?
Touch ID logins are available for iPhone 5S and newer iPhone devices (running iOS 8 or newer). Touch ID is not available for Android devices at this time.

When will my mobile deposit post?
Mobile deposits usually post within 1-2 business days.

Are there limits on mobile deposits?
Yes, there are limits for mobile deposits. Please contact the bank for these limits.

How do I endorse my checks for mobile deposit?
Endorse the check with your signature and the words “For mobile deposit only”.

What happens if I get a new mobile device or change phone numbers?
If you get a new mobile device or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. Remove your old device and enroll your new device.

What if my device is lost or stolen?
If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to online banking, navigate to the Mobile Banking Center and disable or remove your device.

Bill Pay

How do I request bill pay?
Consumer/Small Business Online Banking

  1. Login to online banking
  2. Click on the Pay and Transfer tab
  3. Select Pay Bills and accept the terms and conditions
  4. Once your request is approved, you can start paying bills
Business Online Banking
  1. You can request bill pay when you enroll in business online banking
  2. If you are already enrolled, please contact the Business Online Banking department at the bank for help

How do I add a funding account?
Consumer/Small Business Online Banking

  1. Login to online banking
  2. Click on the Pay and Transfer tab
  3. Select “Manage payment accounts”
  4. Check the boxes for the accounts you want to add and click Submit
Business Online Banking
  1. Contact the Business Online Banking department at the bank for help

When will a bill payment be debited from my account?
Bill payments will be debited from your account on the “Deliver by” date

How do I cancel a payment?
Consumer/Small Business Online Banking

  1. To cancel a payment, click on the Cancel link in your Pending Payments section. In most cases, you can cancel an electronic payment 3 days or more prior to its deliver-by date and you can cancel a check payment 5 days or more prior to its deliver-by date.
Business Online Banking
  1. In the Bill Pay Activity panel, click the payment you want to cancel.
  2. Click the Cancel payment button.
  3. Cancel the payment according to your needs (one-time payment or auto-pay payments)
  4. Click Close once the confirmation page appears

How do I deactivate or delete a payee?
Consumer/Small Business Online Banking

  1. From the list of people and businesses you pay, click the appropriate name and then click the View/change payee details link 
  2. From the Payee Details page, click Deactivate Payee or Delete Payee
  3. Follow the onscreen instructions.
Business Online Banking
  1. Highlight your bill in the list of payees area and click the Options link.
  2. Click the Delete payee link. Result: The Delete payee window appears.
  3. Click Yes. Result: The payee is deleted from your List of payees list

What do I do if a payment hasn't arrived?
Please contact the customer service department at the bank. Research will be done on the payment and a service request may be filed if needed.

Are there bill pay limits?
Yes, please contact the bank for these limits.

People Pay

How do I request People Pay?

  1. Log in to consumer online banking
  2. Click on the Pay and Transfer tab
  3. Click on “Pay People”
  4. Read and accept the disclosure
  5. Once your request is approved you can start paying people

Can I use People Pay as a business customer?
Business profiles cannot currently use People Pay

Are there People Pay limits?
Yes, please contact the bank for these limits.

External Transfers

How do I apply for external transfers?

  1. Login in to online banking
  2. Click on the Pay and Transfer tab
  3. Click on “Make an External Transfer”
  4. Read and accept the disclosure
  5. Add your external account and start transferring!

Can I use External Transfers if I am a business?
External transfers are available for businesses but you must have a business online banking profile.

Are there External Transfer limits?
Yes, please contact the bank for these limits.

PFM

What is PFM?
Personal Finance Manager (PFM) is a program that lets you automatically categorize and track spending for all of your accounts at any institution from your personal computer.

How do I link an account in PFM?

  1. Click on the +Link Account button and search for your institution
  2. Fill in the login information for the external institution and click “Link Account”

How do I link a manual account in PFM?

  1. Click on the +Link Account button
  2. Under the Others menu, click on “create a manual account” and fill in the information on the account

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