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  • How does bill payment work?

    • A: Bill Pay lets you make payments and receive and pay all your bills online through one secure, easy to use site. You can make payments to anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier. Once you have completed the registration application and you are approved, you may easily enter each biller's payment address and account information to set up your payments. Log on and pay your monthly bills in minutes by simply entering the amount you wish to pay, or set up a recurring payment and never have to worry about missing a payment again.

  • How do I register for electronic bill payment?

    • A: Bill Payment registration is easy! The first time you attempt to access the bill payment (Payment Manager) section of Internet Banking, you will be prompted to begin online registration. You are first requested to complete the Bill Payment Registration Form. When the enrollment information is complete, click Continue to review and confirm the information entered. You will then be prompted to read and accept the terms and conditions of our bill pay service. Acceptance of the terms and conditions is required to access online bill payment services.

      Your registration form will then be forwarded to us for review. Your application will be processed within 24 hours, and you will receive an e-mail notifying you that you may begin setting up your bills! Bill pay will always be accessed from within United Texas Bank's website, so you will only need one login to handle all your banking needs.

  • When can I start using electronic bill payment?

    • A: After enrolling in Online Bill Pay, you should get a "Registration Complete" page. Your application will be processed within 24 hours, and you will receive an e-mail notifying you that you may begin using Online Bill Pay.

  • Is it possible to schedule recurring payments?

    • A: Yes. You can schedule weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually and annually. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

  • When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?

    • A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

  • Can I use electronic bill payment with all my accounts?

    • A: No, only checking accounts can be used for bill payment purposes.

  • When is bill payment available?

    • A: You can schedule payments 24 hours a day, seven days a week.

  • How are bill payment transactions reflected on my checking account?

    • A: Bill Payment transactions for electronic payees are reflected as an ACH debit on the account statement. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

  • When is the money for the payment drawn from my payment account?

    • A: For UTB Bill Pay (Retail Bill Pay): If the payment is sent electronically, the payment is debited from your account on the process date. Otherwise, a payment by check is debited from your account when the check is presented for payment. Keep in mind that you should always have funds available to cover the payment on the scheduled payment date.

      For UTB Business Bill Pay (Commercial Bill Pay): If the payment is sent electronically or by check, the funds for the payment clear your account on the selected process date. Keep in mind that you should always have funds available to cover the payment on the scheduled process date.

  • How do I add new payees?

    • A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

  • How do I search for a payee?

    • A: To search for a payee:
      • Select Payee.
      • Click the Search for Payee button.
      • Click the General, or VISA or MasterCard entry fields and enter the payee's name or the first digits of the card number, as applicable.
      • Click the Search for Payee button.
      • If the payee's name is found on the database, click on the checkbox to the left of the Payee's name.
      • Click the Select Payee button, the Add Payee screen appears.
      • Add the Payee's nickname and account number. The account number may be found on the bill.
      • Click the Add button, the Payee will be added to the list of Payees.

  • Can I sort my list of payees?

    • A: Payees are automatically sorted then displayed alphabetically starting from the top of the page.

  • How do I delete a payee?

    • A: Pending payments must be deleted before a payee can be deleted. To delete a payee:
      • Click the View Payments button, the View Payments screen appears.
      • In the fields under Next Payment Date Range, enter the "From" and "To" dates for the pending payment.
      • Click the Next Date Range button, all pending payments falling between these selected dates will be displayed within the View Payments screen.
      • Click the checkbox next to the payment to be deleted.
      • Click the Delete Payments button, the payment will be deleted from the view payment summary.
      • Click the Payee button.
      • Click the checkboxes of the payee to be deleted.
      • Click the Delete Payee button, a new screen appears showing payee(s) to be deleted.
      • Click the Cancel button to abort and return to the Payee list or; Click the Delete button to permanently delete the payee(s) from the payee list. A deleted payee confirmation screen will confirm this payee has been deleted.

  • How do I change a payee's information?

    • A: Only the Nickname and Account Number may be edited once a payee is set up. To edit these items:
      • Select Payees and your list of payees appear.
      • From the Payee list, select the checkbox to the left of each payee to be edited.
      • Click the Edit Payees button and information on selected payees appears.
      • Fields for Account Number and Nickname contain the current description - edit fields you want to change.
      • Click the Submit button and a confirmation page appears with the updated information and a status indicating whether the change was successful or not.
      • Clicking the Continue button brings you back to the Payees page where you can confirm the change.

    • NOTE: In order to change the name and/or address, the current payee must be deleted and a new payee added (all pending payments must be deleted first). Please refer to the "How do I delete a payee" FAQ above for more information on deleting payees.

  • If I schedule multiple bill payments for a single day, how will my account be debited - as a lump sum or separately?

    • A: Each bill payment is debited separately.

  • Can bill payment be sued when I am out of the country?

    • A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

  • Can I pay bills to payees outside the U.S.?

    • A: No. Payments cannot be made to Payees outside the U.S.

  • Who can be paid using the bill payment system?

    • A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

  • Is there limit to the number of bill payment accounts I can set up?

    • A: Yes, you are limited to one bill payment account.

  • Can I pay my bills on the weekend?

    • A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day before the weekend.

      Generally, single or recurring payments that fall on a Saturday, Sunday or a bank holiday are processed on the previous business day.

  • What happens if sufficient funds (non-sufficient funds or NSF) are not available in the account used for bill payment?

    • A: If a 'non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

  • What is ACH?

    • A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

  • If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

    • A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

      If you select an electronic payee with the address that matches that indicated on the payment coupon and Check Free routes the payment incorrectly, then Check Free services will take responsibility for the late fee.

  • How do I cancel a payment or place a 'stop payment' on a bill payment?

    • A: You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment; however, once the Service shows a status of "In Process" on a particular payment (typically four (4) or fewer Business Days from the processing or delivery by date) it cannot be cancelled or edited, therefore a stop payment request must be submitted.

      The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. If you desire to stop any payment that has already been processed, you must contact iPay Customer Service toll free at 1-866-600-7060 Monday-Friday 6:30 am to 1 am CST or United Texas Bank Customer Service at (972) 239-7000 during normal business hours.
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