What is dual authorisation and when does it apply?

Dual authorisation is required when your signing arrangements are set to ‘both’, ‘any two’ or ‘all’ to sign, i.e. you have stated that in order to make any changes or provide maturity instructions on your account, two signatories must consent separately to the request.

For online banking, this applies when you wish to provide us with maturity instructions or give notice on any account held with United Trust Bank.

What if I hold both a personal account and a charity account?

In the event that you hold a personal account and also act as a signatory for a charity, and you want to register both for online banking, you will need to complete the registration form separately for your personal online banking and your charity online banking.

This is because account numbers are directly linked to the customer type and profile, i.e. a personal customer can only see their personal accounts on online banking and a charity customer can only see their charity accounts.

If you act as a signatory for more than one charity, you will need to sign these up separately as well since only the relevant accounts for that charity will show online.

How does dual authorisation work?

Dual authorisation is required when your signing arrangements are set to ‘both’, ‘any two’ or ‘all’ to sign, i.e. you have stated that in order to make any changes or provide maturity instructions on your account, two signatories must consent separately to the request.

For online banking, this applies when you wish to provide us with maturity instructions or give notice on any account held with United Trust Bank.

How do I register for online banking?

To register your details, please click here. You will need your United Trust Bank account number, National Insurance number, email address and mobile phone to hand.

You will also need to ensure you have an email address and a mobile number registered with us. Please contact us on 020 7190 5599 between 9am and 5pm Monday to Friday if you think you need to update your contact details.

After you have registered your details, we will email you your username and a temporary password. This email should arrive within a few minutes. If it doesn’t, please check your junk or spam folders. You can then log in to online banking here to complete your registration.

Push Notification

Below is a short video guide on how to register for online banking using push notifications:

SMS Notification

Choosing SMS means we will use a text message to complete authentication using a one-time passcode sent to your registered mobile number.

An example of the message we send for Two Factor Authentication is displayed below. You only need to enter the numbers displayed in the SMS:

Who can access online banking?

Only signatories for your charity will have access to online banking, which includes the ability to provide maturity instructions, change their personal details, and send secure messages.

There is no limit on how many signatories you can add to your account. If you would like to add more, please complete the mandate form here.

Is my charity eligible for online banking?

All charity types are eligible for online banking, though only your charity’s signatories will be able to sign up. To register your details, please click here.

After you have successfully registered your details, we will email you your username and a temporary password. This email should arrive within a few minutes. If it doesn’t, please check your junk or spam folders. You can then log in to online banking here. Please note, if you have not consented to email communications, your details will be sent by post.

To find out more about the access level you will have, please see Who can access online banking?

Why do you need all the information I’ve been asked to provide?

We require certain information in order to satisfy our due diligence process, so that we can, where necessary, carry out individual checks to ensure the details you provide in your application are accurate and up-to-date.

For how long is an application valid?

Once the application is completed, you will have 30 days to arrange for all the signatories to review and sign the form before it is submitted to us. We will send reminders by email every 7 days if we have not received the required signatures, and if we have still not received all signatures after 30 days, the application will be closed and you will need to begin a new one.

How does the online application process work?

The application process can be broken down into four easy steps:

Step 1

You select the product you want and click on the ‘Apply for your Charity Account’ button.

Step 2

You complete the application form in full via our partner DocuSign, ensuring the information you provide is up-to-date. You will then have the opportunity to upload your governing documents, along with any other documents we require (depending on your charity type).

Step 3

When you have uploaded your documents and completed the form, an email is automatically sent to all named parties for them to review and sign the application as well.

Step 4

Once all named parties have signed the form, your application is submitted to us for review. At this stage, if we require any further information or clarification from you we will let you know by email.