Essex Personal

Your account numbers have not changed unless you have been notified otherwise.   

If you currently use Essex Bank Online Banking, your accounts will automatically convert to United Bank Online Banking. Please see page 8 in the Welcome Guide or visit the Online Banking section to learn how to access United Bank Online Banking post-conversion.

Please see page 9 in the Welcome Guide.  Features such as Account Nicknames, Alerts and Person-to-Person Payments will not automatically convert.

You must contact the Elan Cardmember Service number on the back of your card with any questions about your current credit card account.  Please note:  Essex Bank credit card payments will not be accepted at United Bank office locations.

You may continue to use your Essex Bank personalized checks, unless you received a letter stating otherwise. Details on how to place your first United Bank check order can be found on page 15 of the Welcome Guide.

Essex Bank loan account numbers will remain the same, unless you are directly notified. All accounts will be assigned a note number associated with the account. Installment, mortgage and commercial loans will have a note number of 0201 and personal, overdraft and home equity lines of credit (HELOC) will have a note number of 00001. The note number will need to be included for payments made through online banking bill pay. For more information about Loan and Loan Payments please see page 16 in the Welcome Guide.

Online payments are a quick and easy way to manage your money. You can schedule a one-time transfer or set up recurring transfers online from your United Bank checking account, which you can modify at any time.

You may also make loan payments at any United Bank office, or, if you prefer to mail your loan payments, use the following address beginning on the Monday post-transition: United Bank Loan Processing Center, PO Box 2373, Charleston, WV 25328-2373.

Any recurring loan payments you have established will continue automatically, unless otherwise notified. If additional payments are made, your recurring loan payment will still be drafted from your account.  

• Any recurring fees will not draft with your payment
• An autopayment can overdraw your checking account

Please see page 16 in the Welcome Guide for more detailed information about loan payments.

The servicing of your mortgage loan is being transferred, effective on the transition date. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Essex Bank is now collecting your payments. Essex Bank will stop accepting payments received from you after the transition.

United Bank will collect your payments going forward. Your new servicer will start accepting payments received from you on the Monday post-transition. Send all payments due on or after the Monday post-transition directly to United Bank:
United Bank Loan Processing Center
PO Box 2373, Charleston, WV 25328

For more information about your mortgage loan see page 17 of the Welcome Guide.

Most payees and scheduled payments are expected to convert (external transfers and person-to-person payments through Bill Pay or Zelle will not convert). Please verify the accuracy of all scheduled bill payments, payees and payee addresses. United Bank’s Bill Pay feature can be found in Online Banking under the Bill Pay Quick Tab and within the Bank With United mobile banking app. You may make bill payments via an electronic or paper check to participating merchants. For scheduled bill payments, you must have sufficient funds in your account on the date that the payment is scheduled to be sent, or the bill payment may be delayed or canceled. Please see page 10 in the Welcome Guide for more detailed Bill Pay information.

Changes in your account terms will be effective when your CD renews as a United Bank account.  To review additional details about your CD, please see page 18 in the Welcome Guide.