How you can help protect yourself

Beware of the identity theft methods listed above, and take steps to protect yourself and your personal financial information. Also, guard your relationship with United Bank by using the following suggestions:

Monitor your accounts for unusual activity

Through our online services – PersonalBank, BusinessBank and Business Manager – you can monitor your United Bank accounts for unusual activity, 24 hours a day, 7 days a week.

Click here to sign up for PersonalBank
Click here to sign up for BusinessBank

If you are a PersonalBank or BusinessBank user, you can also monitor your accounts quickly and easily from your cell phone or other mobile device using free Mobile Access.

Click here for more information.

No internet access available? Call (413) 787-1234 to use TeleBank, our telephone banking system, to access your accounts from any Touch Tone® telephone.

Do not provide information over the phone or by email

Legitimate organizations will never ask you to verify your personal or account information via unsolicited email or telephone call.

If you receive an email that appears to be from United Bank or other organization, or a telephone call from someone claiming to be a representative of the Bank or other organization, do not provide any personal information (including date of birth, credit or debit card number, social security number or driver’s license number).

Destroy your old cards

If you receive a replacement United Bank debit card in the mail, please destroy your old card immediately. If you have automatic deductions on your card, be sure to notify the vendors or merchants of your new card number.

Report any losses

If you are the victim of fraud through the use of your United Bank Visa® Debit Card, you are protected by Visa’s Zero Liability policy, which means you pay nothing for unauthorized purchases on your account.

Report suspect fraud

Protecting your identity and financial information is our number one priority. If you suspect your accounts have been compromised, or you are the victim of fraud, please call us directly at (413) 787-1700, or speak with a member of our staff at any office.

Additional steps you can take: Review credit report regularly

Reviewing your credit report at least once a year can help guard against identity theft by making sure thieves have not used your personal information to open a new account or apply for credit in your name.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies (Equifax, Experian and Trans Union) to provide you with a free copy of your credit report, at your request, once every 12 months.

The three nationwide consumer reporting companies have set up one central web site, toll-free telephone number, and mailing address through which you can order your free annual report(s):

To order online, go to
To order by phone, call (877) 322-8228
To order by mail, complete the Annual Credit Report Request Form and mail to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281