Bill Pay

Need support setting up Bill Pay? Watch this how-to video to learn more. 

(Video updated August 6, 2024.)

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Enrollment & Fees

• + What is online Bill Pay?

  Bill Pay is a way to pay businesses directly from your account without using a card or check. Instead, you access Online Banking or the UFCU Mobile app on your device and authorize a payment to a biller. UFCU sends your payment electronically when possible or via a paper check through the mail. Payments can be sent as soon as possible or can be scheduled. They can be one-time payments or recurring.

• + What is the monthly fee for Bill Pay?

  There is no fee.

• + Which accounts are eligible for Bill Pay enrollment?

  UFCU checking accounts are eligible.

• + Does a joint owner have the same access to bill pay as the primary owner on the account?

  Yes. Both owners can make payments and view the processed payments in the transaction history. Users cannot see each other’s payments.

• + Will I have a separate password for Bill Pay?

  No. Bill Pay is accessed from within Digital Banking.

Billers

• + What is a biller?

  A biller is any company or individual to whom you make payments.

• + Who can be paid using Bill Pay?

  You can pay any biller with a United States address. Do not rely on Bill Pay to pay tax entities, collection agencies, or court-ordered payments.

• + How do I set up billers?

  Select Pay & Transfer » Pay a Bill » Select + Add Biller at the top and follow the instructions.

  Need support? Watch this how-to video at the top of the page to learn more.

• + How do I know if my bill payment will be electronic or check?

  Select Pay Bills to view the payment method (electronic or check) for each biller. The system first determines whether the biller can receive electronic payments. If not, the biller receives a check in the mail.

• + Do I need to notify my billers that I will now be using Bill Pay?

  No. Billers receive your account number and information along with your payment so they can credit your account correctly.

• + How do I delete a biller from my list?

  Select Pay & Transfer » Pay a Bill, search for the biller in the search bar, and then select the biller’s name. Select the trash can icon at the top right. Confirm the deletion. Any scheduled payments to this biller are also deleted.

• + How can I change the biller details, such as the billing account number or the biller nickname?

  Select Pay & Transfer » Pay a Bill. Search for the biller in the search bar then select the biller name to access the Biller Detail page, which you can edit.

• + What if a biller claims not to have received my payment?

  Provide proof of payment to the biller. Select Pay a Bill » Activity » History and find the payment. Select Proof of Payment. If the biller insists that a payment by check has not arrived, you can initiate a stop payment.

Payments

• + How do I place a stop payment on a bill payment?

  Only bill payments issued by check are eligible for a stop-payment To place a stop payment on a bill payment please contact us.

• + Can an electronic payment be stopped?

  No. An electronic payment cannot be stopped after the payment date. You can edit and/or delete a pending electronic payment before the payment date only if the payment displays as pending.

  If you send a payment by mistake, you must contact the merchant directly to request a refund.

• + When is the money for a bill payment taken out of my account?

  For electronic payments, funds are withdrawn from your account after UFCU’s cutoff time on the send date. For payments by check, funds are withdrawn when the biller cashes the check.

• + What is the cut-off time for additions, changes, or deletions to billers and/or payments in Bill Pay?

  Bill payments are processed at approximately 4 PM Monday–Friday, excluding credit union holidays. Changes or deletions can be made before funds are withdrawn from your account, but new payment requests will not be processed until the next business day.

• + What do I do with my payment coupon/statement that I used to mail back with my payment?

  Use the coupon or statement to complete the biller and payment information when you first set up your biller. All the information the biller needs is included with your electronic or check payment. You can shred the statement or keep it for your records.

• + Are there any minimum or maximum payment amounts?

  Yes. The minimum payment amount is $0.01 (one cent). The maximum payment amount per day is $25,000 up to the funds available in your account at the time of payment.

• + How far in advance of the due date should I schedule my payments?

  Allow three business days for electronic payments and seven business days for check payments. UFCU does not process payments on weekends or on federal bank holidays. Be aware that billers may not immediately credit payments when they receive them.

Pending Payments

• + How do I cancel a payment?
  1. Select Pay a Bill » Activity » Scheduled and find the payment.
  2. Select Delete, then Delete again to confirm.

Payment History

• + Can I view my history?

  Yes. Select Pay a Bill » Activity » History to see the most recent 90 days of your Bill Pay history.

Transfers to Non-UFCU Accounts

• + Can I transfer money to or from my accounts at other financial institutions?

  Yes. You can transfer funds to and from your accounts at other financial institutions through UFCU Online Banking or the UFCU Mobile app. Select Pay & Transfer » Transfer To/From External Accounts. You will need to know the other institution's routing number along with your account number or login credentials.

• + What is the maximum amount I can transfer to or from my accounts at other financial institutions?

  $10,000.

• + What is the account verification process when setting up another financial institution for external transfers?

  If the financial institution you add uses electronic verification, setup can be completed immediately:

  1. Select » Transfer To/From Your External Accounts.
  2. Select Make a Transfer » To » Add External Account.
  3. Search for your other banking institution.
  4. Enter your username and password for the other banking institution.
  5. Agree and sign in.
  6. Retrieve and provide the security code if prompted.
  7. Select the account you want to link to. Select Continue.

  If the financial institution you add does not use electronic verification, you must use the manual verification process. This can take one or two business days. To verify your account manually:

  1. Select » Transfer To/From Your External Accounts.
  2. Select Make a Transfer » To » Add External Account.
  3. Select My bank is not on the list.
  4. Enter the name on the account, routing number, account number, and account type.
  5. Select Continue. We will send a micro-deposit to the external account.
  6. After you receive the deposit, select Transfer To/From Your External Accounts.
  7. Select Verify, then enter the first four digits of the reference code.
• + What is the processing schedule for the account verification process?

  Requests and transfers are processed Sundays through Thursdays at 5 PM (excluding federal bank holidays).

• + Can I use a third-party cash app or service to transfer funds to someone else?

  Yes. You can use your UFCU account or your credit or debit card to fund PayPal, Google Pay, Venmo, Cash App, Zelle, and Apple Cash.

Transfer to a Non-UFCU Member

• + What is Transfer to a Non-UFCU Member?

  It’s a service that Members can use to transfer funds from UFCU to anyone who has an email address or phone number.

• + Does the Transfer to a Non-UFCU Member recipient have to bank at UFCU?

  No. Anyone with a cell phone number or email address can receive a Transfer to a Non-UFCU Member payment.

• + Does the Transfer to a Non-UFCU Member recipient need to retrieve funds from a particular location?

  No. A link is sent to their smart phone or email explaining that you have sent them funds. The recipient then has options about how to receive the funds.

  For example, for a $1.00 fee, the funds can be placed on a debit card number that the recipient specifies.

• + How do I set up a person to pay with Transfer to a Non-UFCU Member?
  1. Select Pay & Transfer » Transfer to a Non-UFCU Member » Pay A Person.
  2. Select ‘+’ to Add Contact.
  3. Enter the person’s First and Last name and their Mobile Number or Email.
  4. Choose how the payment information should be delivered (Phone or Email).
  5. Set up a security question and its answer. You will provide the answer to the person.
  6. Select Save.

  Payments can be set up as one-time, one-time future-dated, or recurring.

• + How do I send funds using Transfer to a Non-UFCU Member?
  1. Select Pay & Transfer » Transfer to a Non-UFCU Member » Pay A Person.
  2. Select the person to pay, then Next.
  3. Enter the amount.
  4. Add a memo (optional)
  5. Select the From account.
  6. Select the send date and whether the payment repeats.
  7. Select Pay, then confirm the payment.
  8. Select Done
• + How do I edit or cancel a pending Transfer to a Non-UFCU Member payment?
  1. Select Transfer to a Non-UFCU Member » Activity » Scheduled.
  2. Select the payment.
  3. Select Delete or Edit, then confirm the action.
• + How long do Transfer to a Non-UFCU Member transfers take?
  • Transfers between two UFCU accounts are instant.
  • Transfers from a UFCU account to the recipient’s debit card is instant, and the recipient pays a $1.00 fee.
  • Transfers from a UFCU account to a recipient via ACH take up to 2 business days. These require the recipient’s routing and account number.
• + Is there a cost for Members to use the Transfer to a Non-UFCU Member service?

  UFCU does not charge to send funds.

• + What happens to the money if the Transfer to a Non-UFCU Member recipient does not accept the funds?

  If after seven days the recipient does not claim the funds, the transaction is canceled. At that point, your account never gets debited.

• + What if the Transfer to a Non-UFCU Member recipient doesn’t know the answer to the security question?

  The recipient must contact you for that information. UFCU does not have access to answers that you created.

• + How many chances does the Transfer to a Non-UFCU Member recipient get to verify the answer to a security question?

  Three attempts.

• + What if I need a proof of a Transfer to a Non-UFCU Member payment?

  To get proof of payment, select Transfer to a Non-UFCU Member » Activity » History, and then select the transaction. Select Print for a PDF or Export for a .csv file.

• + Who gets notified when a Transfer to a Non-UFCU Member payment is delivered?

  Both you and the recipient are notified when the payment is sent and when it is delivered. Senders are notified when a payment is created, changed, or updated.

• + What happens if a Transfer to a Non-UFCU Member payment cannot be sent?

  Both you and the recipient are notified when the payment link has expired. If the recipient does not claim your payment, the payment is canceled, and you must set up the payment again.

• + What is a Real-Time Transfer to a Non-UFCU Member?

  This is a service that gives the recipient of a Transfer to a Non-UFCU Member transaction the option to provide the number of a debit card to receive the deposit. The recipient is charged a $1.00 fee per transaction.