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Digital Banking

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Online Account Access

  • + What is online account access?

    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.”

Enrollment and Login

Passwords

  • + What are the password requirements for online account access?
    • Must be 8-40 characters long
    • Must have at least 2 letters including at least 1 upper-case and 1 lower-case letter
    • Must have at least 1 number
    • Must not be the same as your last 3 passwords
    • Special characters allowed: ! # % ^ & * ( ) + = { } [ ] \ / , ; ? . @ $ _
    • Your password is case-sensitive. For example, 'Z' is not the same as 'z'
    • Must not contain 'password', other easy-to-guess words, or your first or last name
    • Must not contain your personal data, such as your Social Security Number, account number, or date of birth
    • Must not contain consecutive or repetitive characters, such as '1234' or 'aaa'
  • + Why do you have so many requirements for my password?

    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:

    • Keep your password private. Anyone who gains access to your password can perform the same transactions you can.
    • Log in only on devices and Internet connections that you know are secure. Avoid logging in on shared, publicly accessible systems and public WiFi.
    • Use a unique password for UFCU. Do not use the same password for multiple websites. Hackers often use breached password lists to access websites.
    • Use an unexpected combination of numbers, symbols, punctuation, and upper and lower case alphabetic characters. Hackers use software to identify predictable substitutions and character patterns, such as ‘Cowboys01’ and ‘p@$$w0rd’. They also buy lists of millions of passwords to guess or breach your account.
    • Consider installing a secure password manager on your computer or other devices.
  • + What if I forget my username?

    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.

  • + What if I forget my password?

    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.

  • + How do I change my password?

    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

  • + What is a verification code? When will I need one?

    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.

  • + Can I use my temporary verification code more than once?

    No. Your temporary verification code grants one-time access only.

  • + How long is my temporary verification code valid?

    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.

  • + What if I do not receive my temporary verification 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.

  • + Where will the verification code come from?

    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].

Routing Number and Account Information

  • + Can I find my account number and UFCU's routing number when accessing my accounts online?

    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.

    Screen grab showing the Routing Number in Onling Banking

    You can find our routing number in the Mobile app by clicking one of your accounts and then Account Details.

    Screen grab showing the 'Routing and Account Number' button
  • + How can I simplify my list of accounts?

    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.

Alerts

  • + What is an alert?

    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.

  • + How are alerts delivered?

    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.

  • + What alerts are available?

    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.

  • + How can I set up an alert?
    1. Log into Online Banking or the Mobile app.
    2. Click the bell in the upper right corner; then click the gear.
    3. Select the account for which you want to set alerts.
    4. Select one or more alerts to activate for that account.
    5. For each alert, choose to receive a notification, email, text, or all three.
    6. Click Save.
    7. Repeat for more of your accounts.
  • + How can I change or cancel an alert?
    1. Log into Online Banking or the Mobile app.
    2. Click the bell in the upper right corner; then click the gear.
    3. Select the account with alerts you want to change or cancel.
    4. On the list of alerts for that account, select the one to change or cancel.
    5. Remove notification, email, text, or all three.
    6. Click Save.

Account History and Transaction Details

  • + Can I control which transaction details I can view?

    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.

  • + How much transaction history can I view online?

    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.

  • + How do I download my transaction history for future import into a third-party financial software application, such as Intuit® Quicken® or QuickBooks®?

    Complete the following steps to download transactions from Online Banking:

    1. Log in to Online Banking and select the account from which you want to download your transaction history.
    2. Enter the start and end dates for the time period you’re interested in.
    3. Under Incoming or Outgoing, select All, Incoming, or Outgoing to indicate which type of transactions you would like to export.
    4. Enter the minimum and maximum dollar amounts you would like to be included, if applicable. If you leave these fields blank, all dollar amounts will be included.
    5. Enter the range of check numbers you would like to be included, if applicable. If you leave these fields blank, all checks will be included.
    6. Click Apply. If at any time you make a mistake or would like to start over, you can click Clear filters and begin again.
    7. Review the results that are displayed. If you are content with these results, click the Download button to the right of the print icon near the top of your screen and select the desired format from the drop-down list.
      Image from online banking showing the position of the download button.
    8. The file will download and become available for upload into your preferred third-party financial software.

    *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.

  • + How can I view online statements?

    In Online Banking, select Accounts » Statements to search for statements from the past.

  • + How many months of statements are available online?

    Currently you can retrieve 84 months of statements.

  • + Will I receive both online and paper statements?

    Not automatically. If you would like to also receive paper statements, please visit a branch or contact us.

General Information

Checks

Mobile App Access

Mobile Deposits

  • + What is Mobile Deposit?

    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.

  • + How do I get Mobile Deposit?

    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.

  • + Is there a fee to deposit a check with the Mobile app?

    There is currently no charge associated with this service.

  • + Can I use Mobile Deposit with any mobile device?

    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).

  • + How do I endorse a check for Mobile Deposit?

    Before taking the photo, endorse the check and write the phrase, “For Mobile Deposit Only” on the back of your check.

  • + How do I submit my 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.

  • + What if the app doesn’t take a photo of my check?

    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.

  • + How can I find my Mobile Deposit limits?

    Your current deposit limits are displayed in the app when you start a mobile deposit.

  • + Will there be a hold placed on my check?

    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.

  • + How do I view my deposit history?

    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.

  • + What should I do with a physical check after I deposit it?

    After successfully submitting a deposit with Mobile Deposit, keep the check in a safe place for at least ten days. After that, destroy it.

Mobile App Security

  • + What is a passcode?

    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.

  • + What if my device is lost or stolen?

    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.

  • + Can I lock my credit and debit cards when I’m not using them, and unlock them myself when I’m ready to use one?

    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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