I had a client on the Money Merge Account Version 3 who had their HELOC frozen. When the bank freezes your HELOC, you will be notified by mail. Keep this letter from the bank and fax or email it to United First Financial Client Support (you should have their toll free number if you are currently a client). They will then get you up and running on Version 4.0 of the program.
Remember, Version 4.0 of the Money Merge Account Program doesn't require a HELOC. My previous post lists all the new features and benefits of Version 4.0, so please read it.