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Online account access means conducting your financial business from your personal computer, phone, or devices anytime, anywhere. When you access your accounts through a browser, you’re using Online Banking. When you access your accounts through your mobile device, that’s the UFCU Mobile app. The two experiences are closely related, so we refer to Online Banking and the UFCU Mobile app as “online account access” or “Digital Banking.”
You can enroll via any web browser or directly from the Mobile app. Regardless of how you enroll, you can rely on one unique Username and password to log in via Online Banking or the Mobile app. To get started, follow these tips for a smooth enrollment:
Need support? Watch one of our how-to videos to enroll on a web browser or UFCU Mobile app.
Yes—in fact, you’ll create one password that is shared by Online Banking and the Mobile app to use across all your devices.
Yes, you can set up the UFCU Mobile app to use Touch ID® and Face ID® on most Apple devices and Android Fingerprint ID on Android devices. If you do not enable a biometric login, you are guided through creating a permanent passcode for unlocking the app without the need to log in each time.
Yes. Any secondary or joint owner of an account can create their own Login ID and password to access Online Banking.Joint owners can view all activity and make transfers.
Yes. Any authorized signers on your account can create their own Login ID and password to access the account in Digital Banking.
We recommend the following browsers:
The Mobile app is available to download on these mobile devices:
Your financial security is one of our top priorities. Our password requirements help protect you against unauthorized and fraudulent access to your accounts. We want you to create a password that cannot be guessed or breached with malicious software.
You can help keep your Online Banking account safe by adopting these habits:
On the Login page for Online Banking, click the Forgot Username? link. Provide your account number and identity information and click Submit. Follow the on-screen instructions.
On the Login page for Online Banking, click the Forgot Password? link. Provide your username and identity information and click Submit. Follow the on-screen instructions.
Log in to Online Banking and select Profile Settings » My Profile » Password. You must provide your current password and type the new password twice. Click Confirm Password to complete the process.
It is not possible to change your username through Online Banking.
Verification codes are an extra layer of protection for members who use Online Banking. We may give you a temporary verification code and then ask for it when we need to verify your identity. For example, we may prompt for it when you enroll in Online Banking, log in on an unexpected device, or reset your password. You can choose to have your code delivered via text message or email—whichever is more convenient for you.
No. Your temporary verification code grants one-time access only.
Your temporary verification code expires after 10 minutes. If you don’t use the code within 10 minutes, you will need to request a new code.
If you do not receive a temporary verification code promptly, verify your contact information in Online Banking by selecting Profile Settings » My Profile » Profile. If all is correct, please request another verification code. If the problem continues or you need to change your contact information, please contact us immediately.
If you choose to receive your temporary verification code via text message, the message will be delivered from a toll-free number (for example, 844). If you choose to receive your temporary verification code via email, the message will come from [email protected].
Yes, you can find our routing number inside Online Banking on the My Account page or by clicking/tapping one of your accounts and then on Account Details.
You can find our routing number in the Mobile app by clicking one of your accounts and then Account Details.
To control which accounts are displayed on your main account list, access My Accounts within Online Banking. On the top navigation bar, select More » Hide & Rename Accounts then toggle to indicate the accounts you want to hide. You also can assign account nicknames here. When complete, click Back to My Accounts. Your changes will apply to the Mobile app too.
An alert is an automated communication from UFCU that you receive if you have chosen to track activity in your accounts. Members may set up alerts for security reasons, for example to be notified of all payments made from their accounts. Alerts are also helpful for controlling spending, for example to know when your balance exceeds or falls short of some specific dollar amount.
You can choose to receive alerts by email, text, notification, or any combination of those. Notifications are visible by clicking the bell icon when you are viewing Online Banking or the Mobile app.
You can select any or all of these alerts: Account Summary, Balance Over, Balance Under, Debit Card charges, Deposits, Withdrawals, and Credit Card charges. Not all alerts are available for all account types.
Yes. After you log in and select your account, you can choose between a compact or more detailed view. Click the toggle to enable or disable.
UFCU keeps about one year of transaction history available within the account view. To see activity older than one year, view statements online, visit any branch, or call Member Services at (800) 252-8311, and we’ll be happy to help.
Complete the following steps to download transactions from Online Banking:
*If you do not see four file types available to download (Spreadsheet, PDF, Quickbooks, Quicken), it is due to a known issue that occurs with more than 1,000 transactions. Please apply a filter to reduce the number of transactions until we can resolve this issue.
In Online Banking, select Accounts » Statements to search for statements from the past.
Currently you can retrieve 84 months of statements.
Not automatically. If you would like to also receive paper statements, please visit a branch or contact us.
In Online Banking, choose Accounts » Statements » Preferences, and then enable or disable paperless statements by clicking the toggle next to each account.
You can activate your debit or credit card within Online Banking or the Mobile app. Log in or launch the Mobile app. Under your inactivated card, select Cards » Activate Now. Be sure to enter your CVV, create and confirm your new PIN, and your card will be activated immediately.
Yes, you can set or change your PIN within Online Banking or the Mobile app. Log in or launch the Mobile app. Select Cards » Change PIN. You must enter your current PIN first, then enter and confirm your new PIN, and the update will take effect immediately.
You can visit any branch or call Member Services at (800) 252-8311, and we’ll be happy to update your information for you. You also can download and print a Change of Address form (PDF). Then email the completed form to [email protected].
Online Banking and the UFCU Mobile app offer several methods for moving money. Select Move Money to view your options, which are:
You also can manage scheduled transfers from this menu.
Yes. Access the Bill Pay feature through Online Banking and the UFCU Mobile app. See Bill Pay FAQs for more information.
UFCU Digital Banking products interact with Intuit products such as Quicken or QuickBooks.
You may view images of any check that you wrote after it has cleared. Select the transaction under the appropriate account. Transaction details are displayed, including images of the check. Note that UFCU checks cashed or deposited at a UFCU branch counter and checks written to a merchant that are converted to electronic payments are not available online.
Yes, both the front and back of the check are displayed.
No, there is no charge to view your check images online. However, there is a fee to receive a physical check copy. Please refer to the fee schedule for more information.
The Mobile app is available for download to your Apple® or Android™ device. With our Mobile app, you can deposit checks, view your account balances and activity, transfer funds, pay bills, pay your mortgage, and more.
First, sign up for Online Banking. Then, while on your device, select one of the links below to get started. Install the app like you would any other. Use your Online Banking credentials to access the app.
The UFCU Mobile app is available to download on these mobile devices: iPhone®, iPad® products, Android™ smartphones, and Android tablets.
No, UFCU does not charge for our Mobile app. Note that your mobile-service provider might charge for data usage or text alerts.
Yes! The Mobile app stores no account data on your mobile device. The app times out when your device is not in use, and a password is required to access functions. For added security, you can set up a passcode and/or biometric authentication. If your phone is ever lost or stolen, we can disable the service on your device.
Yes, a data plan or WiFi is required for the UFCU Mobile app. Having a data plan is the most reliable way to access the app on the go. Contact your mobile-service provider for information about data plans.
Yes, you may enroll in Online Banking via any web browser or directly in the Mobile app. Just download the UFCU Mobile app, tap Enroll, and follow the prompts. After you’ve enrolled, you will need to wait 15 minutes before logging in the first time.
Yes. The same credentials work for both.
To ensure you're always benefiting from the latest features and enhancements, follow these steps to enable auto-updates for our Mobile app:
Android
Apple devices
To ensure your security, you are logged out of each UFCU Online Banking or Mobile app session after 10 minutes of inactivity. You will be presented with an option to continue your session 60 seconds before the scheduled logout.
Yes, you can access multiple accounts through the Mobile app. You can download the Mobile app on each device. Log in with the login ID and password that you created during enrollment.
The Mobile app displays a maximum of one year of account-history information. The app lists the most recent activity first. If you need to see older activity, you can view statements in Online and Mobile Banking.
Yes, you can view pending transactions in your accounts and credit cards. To help with point-of-purchase decisions, you also can see your current and available balances.
Yes, you can set up or edit payments. You also can add payees, edit existing payees, and view bill-pay history.
Select More in the bottom toolbar, then Switch Accounts. Or close the app and re-access it, selecting a different account as you sign back in.
UFCU Mobile Deposit is a quick and secure way to deposit checks into your account. On the UFCU Mobile app, you can take a photo of your check, enter the check information, and submit your deposit for processing.
After you log in to the Mobile app, tap Move Money » Deposit a Check. Review and accept the terms and conditions, then follow the prompts to deposit your check.
There is currently no charge associated with this service.
Mobile Deposit works with Android and iPhone mobile devices. Older iPhones and devices without cameras are not supported. Your device’s camera must have auto-focus (not fixed focus).
Before taking the photo, endorse the check and write the phrase, “For Mobile Deposit Only” on the back of your check.
Place the check face-up on a flat, evenly lit, solid-color surface. Confirm the account to be deposited into then tap Front to display the frame. Mobile Deposit automatically focuses and takes a photo of your check after it is properly aligned. Or you can choose to manually take the photo by tapping the screen. Turn the check over and tap Back to display the frame. Align the check and wait for the app to take the photo. Confirm the dollars-and-cents amount that is on the check face (Mobile Deposit inserts the decimal). Submit and confirm your deposit.
If Mobile Deposit is taking an unusually long time to capture your check, verify that the check is on a dark surface in bright light. Adjust your device’s distance from the check to fill the camera frame. If it still doesn’t take the photo, tap Manual in the top right header, align the check within the screen, then tap the frame screen to take the photo manually. Verify that the images are clear before submitting the check.
Your current deposit limits are displayed in the app when you start a mobile deposit.
Funds deposited through UFCU Mobile Deposit are processed like all other deposits, so they are subject to our Funds Availability Policy (PDF). View your deposit history to see your deposit status.
After logging in to the Mobile app, select Move Money » Deposit a Check. Then select the file folder at the top of the screen to view your deposit history.
After successfully submitting a deposit with Mobile Deposit, keep the check in a safe place for at least ten days. After that, destroy it.
A passcode allows you to access the Mobile app without providing your full credentials each time you log in. At the same time, it prevents someone from accessing the app if your phone is left unlocked. You can change your passcode by selecting More in the bottom toolbar.
Contact your mobile service provider to end service immediately if you believe that someone has gained access to your device. Then, contact us so that we can disable the Mobile app on that device for added peace of mind.
Yes! Within the Mobile app, select Cards in the bottom toolbar. Slide to select from among the cards registered to you and lock or unlock each with the toggle. This feature is available to UFCU Mobile app users with an active UFCU debit or credit card.
We encourage anyone whose card is lost or stolen to block the card immediately to reduce the chance of a fraudulent transaction.
IMPORTANT: Locking your card is not a replacement for reporting the loss or theft of the card. Call us at (512) 467-8080 or (800) 252-8311 to file the report.
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