How to get and generate UBA Account Statement

In today’s digital age, where fraudulent activities are increasingly common, regular monitoring of your UBA account statements is more important than ever. It empowers you to take control of your finances, detect any issues promptly, and ensure the security of your hard-earned money.

You can access your UBA account statements through various channels, including online banking, mobile banking app, email, or by visiting a UBA branch. Make it a habit to review your statements at least once a month, or more frequently if you use your account regularly.

This article will guide you through the various methods available to get your UBA account statements, whether it be through online platforms, mobile applications, or visiting a branch. By familiarizing yourself with these processes, you can stay informed about your financial health and ensure the protection of your account

What is Account Statements

An account statement is a summary of financial transactions that occur within a specific time period for a particular account. These statements are typically issued by financial institutions like banks, credit card companies, or investment firms.

Account statements provide a comprehensive overview of your financial activities, including:

• The balance at the start of the statement period.
• All credits made to your account, such as salaries, transfers, or interest earned.
•  All debits from your account, including cash withdrawals, purchases, bill payments, and fees.
• The balance at the end of the statement period.
• The amount of interest earned on savings or investment accounts.
•  Any fees charged by the financial institution, such as account maintenance fees or overdraft fees.

Account statements are typically issued monthly, quarterly, or annually. You can usually access your statements online through the institution’s website or mobile app. Alternatively, you can request a physical copy at the branch

Important of bank account statement

Bank account statements are crucial financial documents that provide a detailed record of all transactions conducted within a specific period for a particular account. Regularly reviewing your bank account statement is essential for various reasons:

1. Tracking Spending and Budgeting:

   • Account statements provide a clear overview of your income and expenses, allowing you to track your spending habits.
   • By analyzing your statement, you can identify areas where you can cut back on unnecessary expenses and make informed decisions about your spending.
   • This information is crucial for creating and maintaining a budget, helping you achieve your financial goals.

2. Fraud Detection and Prevention:

   • Scrutinizing your statement helps you detect any unauthorized transactions or suspicious activity on your account.
   • Early detection of fraud enables you to report it to the bank promptly, minimizing potential losses.
   • By regularly monitoring your statement, you become familiar with your usual spending patterns, making it easier to spot any anomalies.

3. Error Identification and Correction:

   • It’s not uncommon for errors to occur in banking transactions. Your statement may contain incorrect transaction details, amounts, or missing deposits.
   • By reviewing your statement, you can identify and report these errors to the bank for correction.
   • Early identification and correction of errors help avoid future complications and ensure accurate financial records.

4. Financial Planning:

   • Account statements offer a comprehensive view of your financial health, including your income, expenses, and savings.
   • This information is invaluable for making informed decisions about your financial future, such as setting financial goals, planning for retirement, or making investments.

5. Record Keeping:

   • Bank statements serve as official documentation of your financial transactions.
   • They are crucial for tax purposes, loan applications, and verifying income or expenditure in various situations.
   • Maintaining organized records of your statements helps you keep track of your financial history and prove financial transactions when needed.

6. Interest Calculation Verification:

   • If you have savings or investment accounts, your statement will show the interest earned during a specific period.
   • By reviewing your statement, you can ensure that the interest calculations are accurate and in line with the bank’s terms and conditions.

7. Fee Monitoring:

   • Statements detail any fees charged by the bank, such as account maintenance fees, overdraft fees, or transaction charges.
   • By monitoring these fees, you can understand the cost of maintaining your account and make informed decisions about your banking choices.

8. Overdraft/Insufficient Funds Management:

   • Regularly reviewing your statement helps you avoid overdraft fees or returned checks due to insufficient funds.
   • You can proactively manage your account balance by monitoring your spending and ensuring you have enough funds to cover upcoming expenses.

9. Legal and Dispute Resolution:

   • Bank statements can be used as legal documents to resolve disputes with merchants or individuals regarding payments or transactions.
   • They provide evidence of your financial activity and can be presented in court if needed.

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How to Obtain UBA Account Statements using Mobile Banking App:

To obtain your UBA account statement using the mobile banking app, follow these steps:

1. Log in to the UBA Mobile Banking App:

   • Open the UBA mobile app on your smartphone (Android or iOS).
   • Enter your login credentials (usually your user ID and password).
   • If you haven’t registered for mobile banking, you can do so within the app by following the on-screen instructions.

2. Navigate to “Self-Service”:

   • Once logged in, look for the “Self-Service” option in the app’s menu bar

3. Select “Account Statement”:

   • In the Self-Service section, tap on the “Account Statement” option.

4. Choose Account and Period:

   • Select the specific account for which you need the statement (if you have multiple accounts linked).
   • Choose the desired period for the statement (e.g., last month, last 3 months, or a custom date range).

5. Generate/View Statement:

   • Tap on “Generate Statement” The app will process your request and generate your account statement.
   • You will then be able to view the statement within the app itself.

6. Download/Share (Optional):

   • Most banking apps allow you to download the statement in PDF format for offline viewing or sharing. Look for a download or share icon within the app.

How to Obtain UBA Account Statements using Internet Banking:

To obtain your UBA account statement using internet banking, follow these steps:

1. Log into UBA Internet Banking:

   • Go to the UBA internet banking portal:
   • Enter your User ID and Password.
   • Click on the “Login” button.

2. Go to “My Bank Statement”:

   • Once logged in, locate and click on the “My Bank Statement” option. It’s usually found on the dashboard or under the “Accounts” section.

3. Select Account and Date Range:

   • Choose the account for which you want the statement (if you have multiple accounts).
   • Select the date range for the statement you need. You can usually select a predefined period (e.g., last month, last 3 months) or specify a custom date range.

4. Generate Statement:

   • Click on “Generate Statement”  The system will process your request and generate your account statement.

5. View/Download Statement:

   • Your statement will be displayed on the screen. You can view it directly or download it as a PDF file to your computer.

How to Obtain UBA Account Statements using Leo Chatbot:

To obtain your UBA account statement using the Leo chatbot, follow these steps:

1. 1. 1. Access Leo:

         • You can find Leo on WhatsApp (+234 903 001 0007), Facebook Messenger (search for “UBA Chat Banking”), or on the UBA website.

      2. Start Chat:

         • Initiate a conversation with Leo by sending a message.

      3. Request Account Statement:

         • Type “Account Statement” and send it to Leo.
         • Leo will ask you for the specific account number you want the statement for (if you have multiple accounts) and the period you want the statement to cover.

      4. Follow Prompts:

         • Follow Leo’s prompts to provide the required information.
         • You may need to select the statement type (mini or full) and the delivery method (view in chat or email).

      5. Receive Statement:

         • Leo will generate your statement and either display it within the chat window or send it to your registered email address, depending on your choice.

How to Obtain UBA Account Statements by visitng Branch

To obtain your UBA account statement by visiting a branch, follow these steps:

1. Locate a UBA Branch:

   • Find the nearest UBA branch to your location. You can use the branch locator on the UBA website or mobile app.

2. Visit the Branch:

   • Go to the branch during its working hours.

3. Request for Account Statement:

   • Approach a customer service representative or teller and inform them that you would like to request a bank statement.

4. Provide Account Information:

   • The representative will ask you to provide your account number and any other relevant information for identification purposes.

5. Specify Statement Period:

   • Let the representative know the period for which you need the statement (e.g., last month, last 3 months, specific date range).

6. Wait for Processing:

   • The representative will process your request and print out your account statement. This may take a few minutes, depending on the branch’s workload.

7. Review and Collect:

   • Once the statement is ready, review it to ensure all the details are correct.
   • Collect the statement from the representative.

Please note that you might need to enroll for certain services like Leo or internet banking to access your statements through those channels.

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.

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