Q: What is Express Pay?
A: Express Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It’s safe, secure, and easy to use.

Q: Who can I pay with Express Pay?
A: You can pay virtually any business or individual with a mailing address within the United States and U.S. territories. Examples include utilities, office supply vendors, consultants, or independent contractors.

Q: Is Express Pay secure?
A: Yes. Express Pay helps guard against identity theft from lost or stolen checks, bills, and statements. It also increases privacy because only you can access your account information, account numbers and payment history.

Q: How long does it take before a payment is received?
A: Your payment is usually received in 2-7 business days, depending on whether it is sent electronically or via paper check.

Q: How are payments processed with Express Pay?
A: Most payments are sent electronically and funds are withdrawn from your account on the payment date.

Q: What are the primary benefits of Express Pay?
A: The major benefits are control and convenience for you. This means you can:

• Pay your business bills and view payment activity anytime, anywhere
• Delegate payment responsibilities
• Set permission controls so you maintain the final decision
• Quickly run customized reports with the information you need
• Reduce your paperwork and bookkeeping tasks
• Maintain more control over cash flow
• Increased security; no mailed checks

Q: How do I enroll for Express Pay?
A: To enroll, log in to your account at www.unitedbankky.com. Then click on the “Bill Pay” link. Or call us at 866-696-3592 and we will help set you up.

Q: How do I start using Express Pay?
A: First, you need to enroll to activate your Express Pay account. If you haven't enrolled, please follow the instructions shown above.

If you have enrolled, you can set up payees and start making payments in a few easy steps:

1. Go to the Payees tab
2. Choose to add a company or an individual
3. Complete form by providing requested information about payee and click Submit payee
4. Then click Schedule payment

Making bill payments

Q: Can I set up recurring payments?
A: Yes. Express Pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.

Q: Can I pay multiple invoices at once?
A: Yes. With extended remittance you can send a single payment for multiple invoices from a single vendor.

Delegating tasks and setting permission controls

Q: What kinds of payment responsibilities can I delegate?
A: You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.

Q: What kind of permission controls can I set?
A: You specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.

Customized reporting

Q: What kind of customized reports can I run?
A: You can run reports that allow you to:

• Have the audit information you need
• Review your spending
• View the payment activity of your authorized users

Q: How can I use the account-to-account transfer feature?
A: This feature allows your small business to transfer money from different accounts. These can be set up as a one-time single transfer or recurring transfers. You can also move funds back and forth between your personal and business accounts if necessary.

Q: What are the major benefits of this feature?
A: Account-to-account transfers provide you with:

• Quick and flexible method for improving cash flow
• Anytime, anywhere transfer of funds
• Less expensive option than wire transfers