Terms & Conditions

Your use of the United Commonwealth Bank website constitutes your agreement without modification to all of the following terms, conditions and notices. If you do not agree with our Terms and Conditions (“Terms”), your sole remedy is to discontinue your use of this website.

Copyrights & Trademarks

The contents of this site are the property of United Commonwealth Bank unless otherwise indicated, and protected by copyright and trademark laws. All rights are reserved by United Commonwealth Bank and the content of the website may not be reproduced, downloaded, disseminated, published or transferred without the prior written permission of United Commonwealth Bank. The trademarks, logos and service marks displayed on the website are the property of United Commonwealth Bank and other parties.

Availability of Products and Services

The products and services described on this website are available only in the United States and other countries where permitted by law. Products and services may not be available in all geographic areas. All products and services are subject to change without notice.

No Unlawful or Prohibited Use

As a condition of your use of this website, you warrant to United Commonwealth Bank that you will not use this website or any information contained on the website for any purpose that is unlawful or prohibited by these Terms and that you will not access this website or use materials or services available on this website from territories where such access or use is illegal.

Links to Third-Party Sites

This website may contain links to other websites operated by third parties. United Commonwealth Bank provides links to other sites as a service to users. The linked sites are not under the control of United Commonwealth Bank or its affiliates or subsidiaries, and United Commonwealth Bank is not responsible for the content, products, or services available on the third-party sites, nor is United Commonwealth Bank responsible for links contained within third-party sites. Such links do not imply United Commonwealth Bank’s endorsement or approval of material on any other site. It is the user’s responsibility to take precautions to ensure that materials selected from such linked sites is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. United Commonwealth Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such linked sites, or reference to or reliance on information contained therein.


Browsers accessing the United Commonwealth Bank website are given a cookie. A cookie is a piece of information sent by a web server to a web browser. Cookies allow a website to identify whether or not a user previously visited the site as well as certain browser preferences. The web browser saves and sends the cookie back to the server each time the browser accesses the website. You must have the option for per session cookies enabled in order to use the Online Banking features on the United Commonwealth Bank site. United Commonwealth Bank does not store personal or confidential information in cookies.

We use both "session" cookies and "persistent" cookies on the website. Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiration date.

We use the session cookies to keep track of you while you navigate the website, prevent fraud and increase website security. We will use the persistent cookies to enable our website to recognize you when you visit, keep track of your preferences in relation to your use of our website and for retargeting.

We use Google Analytics to analyze the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users' computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google's privacy policy is available here.


Use of this website and its contents is at the user’s sole risk. United Commonwealth Bank assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyrights or other intellectual property rights, and the violation of property, privacy or personal rights of others. United Commonwealth Bank is not responsible for, and expressly disclaims all liability for damages of any kind arising out of use, reference or reliance on such information.

Information on this site is provided “as is” without warranty of any kind, either express or implied, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event will United Commonwealth Bank or its subsidiaries, affiliates, contractors, or their respective employees be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if advised of the possibility of such damages) resulting from the use of or the inability to use the website, site content or any products or services, or any failure of performance, error, omission, interruption, effect, delay in operation or transmission, computer virus, line system failure, loss of data, or loss of use related to this website or any website by any third party.


United Commonwealth Bank reserves the right to change the Terms and modify the contents of the website without notice.

Governing Law

You agree that disputes arising out of or relating to the contents or use of this website are to be governed by the laws of the State of Illinois, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Illinois, County of Sangamon, in all disputes arising out of or relating to the contents or use of this website.


If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect. This agreement constitutes the entire agreement between you and United Commonwealth Bank with respect to the use of this website, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and United Commonwealth Bank with respect to this website. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.