Financial Tools

FAQs

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Online Banking

Note: Looking for FAQs about the new digital banking experience? Our new Online Banking is currently in limited release. If you’re participating in the limited release, read these FAQs. If not, please read on.

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Enrollment and Fees

Security and Passwords

  • + What are the password requirements for Online Banking?
    • Must be at least 8 characters long
    • Must be a max of 40 characters long
    • Your password is case-sensitive, i.e 'Z' is not the same as 'z'
    • Must have at least 1 upper case letter
    • Must have at least 1 lower case letter
    • Must have at least 1 number
    • Must have at least 2 letters
    • Must not be the same as your last 3 passwords
    • Special characters allowed: ! # % ^ & * ( ) + = { } [ ] \ / , ; ? . @ $ _
    • Should not use common words such as 'password'
    • 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'
    • Must not contain your first or your last name
  • + Why do you have so many requirements for my password?

    Your financial security is of utmost importance to us. The requirements for your password are designed to protect you against unauthorized and fraudulent access to your accounts. Our goal is to ensure that you create a password that will not easily be guessed or "brute-forced" with special software.

    Beyond creating a password that meets our standards, we have several practices we encourage you to follow:

    • Keep your password private. If another party obtains your password, remember they can perform the same transactions you can.
    • Use only known, secure systems and secure Internet connections. Avoid shared, publically accessible systems and public WiFi when accessing Online Banking.
    • Use a unique password. Specifically, do not use the same password for multiple websites. Hackers commonly use breached password lists to gain access to websites.
    • Use a combination of numbers, symbols, punctuation, and upper and lower case alphabetic characters. For example, do not use a word directly from the dictionary without adding additional characters. And do not choose words that use simple substitutions of numbers for letters. For example, Cowboys01 and p@$$w0rd might meet many password complexity requirements, but would not be a strong password. Hackers are aware of these substitution tricks and can easily use software to identify these predictable substitutions and character patterns to guess your password. Moreover, hackers and fraudsters use commonly available lists of millions of breached passwords to guess or "brute-force" passwords.
    • Consider using a secure password manager.
  • + What if I forgot my login ID?
    1. Visit the Forgot Login ID page.
    2. Enter your UFCU account number and information to identify yourself (either your social security number or date of birth) and click Continue.
    3. Select the method in which you’d like to receive your Login ID (via text or email) and click Continue.

    You will receive your existing Login ID and can proceed with the normal log in process.

  • + What if I forgot my password?
    1. Visit the Forgot Password page.
    2. Enter your UFCU account number and information to identify yourself (either your social security number or date of birth) and click Continue.
    3. Select the method in which you’d like to receive a temporary security code (via text or email) and click Continue.
    4. Enter your temporary security code and click Continue.
    5. Create and verify your new password.

    Once you have created your new password, you can proceed with the normal log in process.

  • + How do I change my Login ID?
    1. Log in to Online Banking and select Settings.
    2. Select Change Login ID under the Profile section.
    3. Update your information and click Submit.
  • + How do I change my password?
    1. Log in to Online Banking and select Settings.
    2. Select Change Password under the Profile section.
    3. Update your information and click Submit.
  • + What is a temporary security code? When will I need one?

    Security codes are an extra layer of protection for Members. You might be given a temporary security code and asked to report it back to us any time we deem it appropriate to verify your identity for your security. Some common examples include enrolling in Online Banking, logging in from a new or previously unused computer or device, and resetting your password. To make this process as convenient as possible, you may choose to have your code delivered via text message or email.

  • + Why am I asked for a temporary security code every time I log in?

    For your security, Online Banking requires you to obtain a new security code from unrecognized devices. To bypass this requirement, you can select "Remember this Computer" during the log-in process.

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

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

  • + How long is my temporary security code valid?

    Your temporary security code expires after 4 hours. So you must proceed with the process within 4 hours, or you will need to request a new code.

  • + What if I do not receive my temporary security code?

    If you do not promptly receive a temporary security code, verify your contact information and request another security code. If the problem continues, please contact us immediately.

  • + Where will a text-messaged temporary security code come from?

    If you choose to receive your temporary security code via text message, the message will be delivered from a 512 area code.

  • + Where will an emailed temporary security code come from?

    If you choose to receive your temporary security code via email, the message will come from [email protected].

  • + What does it mean to “remember this computer?" Should I select this option?

    You might choose to “remember this computer” when you are using a private computer in a secure area. Selecting this option means that the next time you log in from the same computer or device, you will be able to proceed without any additional steps. If you do not “remember this computer,” you will be required to verify your identity using a temporary security code each time you log in from the same computer or device.

  • + What security safeguards are in place to protect financial information/transactions? Are transactions encrypted? If so, what level of encryption are you using?

    For security, only the last three digits of your account number are displayed within Online Banking.

    SSL Encryption is active on the Web Server, which currently allows and supports 128-bit encryption. Your browser will display a lock or unbroken key, indicating that you have reached the secure area. For added security, UFCU will only support 128-bit SSL encryption. Please update your browser to 128-bit encryption.

    *Note: For additional information regarding security, or to view security certificate information for UFCU's Online Banking servers, click the Security button or Security folder in your browser while logged in to Online Banking.

  • + How long can I stay logged into my account via Online Banking?

    To ensure your security, you will be logged out of each Online Banking session after 15 minutes of inactivity. You will be presented with an option to continue your session 90 seconds prior to being logged out.

  • + What is Google Authenticator?

    Google Authenticator generates two-step verification codes on your phone. If enabled, in addition to your password, you’ll also need a code generated by the Google Authenticator app on your phone to log in to Online Banking. Visit the app store from your mobile device to learn more about Google Authenticator.

Login and Use

Account 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. Select Transfers » To/From Other Institutions. You will need to know the other institution's routing number along with your account number.

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

    The maximum amount that can be transferred to or from another financial institution is $10,000.

  • + What is the account verification process to set up another financial institution for transfers?

    Before you can schedule transfers to a new financial institution, you must verify that you have access to the destination account by providing us with verification data.

    The verification data consists of deposit and withdrawal transfers originated by the system for a random amount (less than $1.00). These transactions will be generated on our next processing date. Requests and transfers are processed Sundays through Thursdays at 7 PM (excluding federal bank holidays).

    After these verification transactions are posted at the receiving financial institution, log in to your UFCU account through Online Banking. Select Transfers » To/From Other Institutions. Then select Manage Accounts » Verify and enter the amount of the transaction. This will verify the payee. Once verified, you may begin using this new financial institution. The financial institution will be removed if it is not verified within 45 days.

  • + What is the processing schedule for the account verification process?

    Requests and transfers are processed Sundays through Thursdays at 7 PM (excluding federal bank holidays).

  • + What is the account verification status?

    Your account verification status can be any of the following:

    In Process — The verification transactions have not been generated.

    Verify — The system has generated the verification transactions. You can click Verify after the receiving institution has posted the verification deposit and withdrawal amount.

    Locked — You reached the maximum number of invalid verification attempts. Once it has been removed, you'll be able to add the financial institution again to restart the verification cycle. You can send a secure email by selecting eMailBox within Online Banking or contact us for further assistance.

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

    Yes. Paypal, Google Pay, Venmo, Cash App, and Apple Cash are some of the apps that work well. The recipient will need access to the same app and they’ll need to share their user name or identifying information with you.

eStatements

Checks

  • + How do I view my check images?

    Select My Accounts » Transaction History. Then click the magnifying glass icon next to the check you want to view and the image will be displayed. (Note that UFCU checks cashed or deposited at a UFCU branch counter, and checks written to a merchant that are converted to electronic payment will not be available online.)

  • + Is there a charge for viewing check images online?

    No, there isn't a charge to view your check images online. However, the check copy fee applies to all other types of check copy requests. (Please refer to the fee schedule for more information.)

  • + Can I view both the front and back of the check?

    Yes, both the front and back of the check will be displayed.

Printing

  • + I am having trouble printing pages from Online Banking.

Browsers

Other Services

Miscellaneous

  • + What is the maintenance schedule for Online Banking?

    While we strive for 24/7 Online Banking access, we occasionally must schedule downtime.

    Should you have urgent banking needs, please contact us during normal operating hours.

    Day Hours Online Banking Impact

    Daily

    9–11 PM

    Limited functionality:

    • Enrollment unavailable
    • Password reset unavailable
    • Login ID reset unavailable

    All other features of Online Banking are available.

    Sundays

    Midnight–4 AM

    Possible system maintenance; all Online Banking features will be unavailable.

    Sundays

    4–9 AM

    Limited functionality:

    • Enrollment unavailable
    • Password reset unavailable
    • Login ID reset unavailable

    All other features of Online Banking are available.

    Any other service disruptions will be announced as they are scheduled.

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