Financial Tools

FAQs

TOPICS

Digital Banking

These FAQs refer to our new digital banking experience, currently in limited release, which will be available to all members soon. If you are not participating in the limited release, you might be looking for FAQs about our legacy services. Check out these pages:

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Enrollment and Login

Security and Passwords

  • + What is single sign-on?

    Single sign-on (SSO) is a method used by software and applications for authenticating users. It is a security feature that helps keep your personal credentials and data secure. UFCU’s digital banking experience includes single sign-on and a universal login, which means you can securely log in to and access all of your UFCU accounts with one password for Online Banking and Mobile Banking across all of your devices.

  • + What are the password requirements for Online Banking?
    • 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:

    • MKeep your password private. If someone else gets your password, they 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 is a verification code? When will I need one?

    Verification codes are an extra layer of protection for Members. We may give you a temporary verification code and then ask for it any time 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 and request another verification code. If the problem continues, please contact us immediately. You may 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].

  • + Where will a text-messaged 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).

  • + Where will an emailed verification code come from?

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

Alerts

Account History

Checks

Mobile App

Download

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General

Mobile Devices

Mobile Deposit

  • + What is Mobile Deposit?

    UFCU Mobile Deposit is a quick and secure way to deposit checks into your account. With UFCU Mobile Banking, 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 UFCU Mobile Banking, 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 Mobile Banking?

    There is currently no charge associated with this service.

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

    Mobile Deposit only works with an Android mobile device or an iPhone. Older iPhones and devices without a camera are not supported. Your device’s camera must have auto focus and not fixed focus.

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

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

  • + 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.

  • + How do I view my deposit history?

    After logging in to Mobile Banking, select Move Money » Deposit a Check. Then select the file folder at the top of the screen to view your deposit history.

  • + 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).

  • + 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.

Bill Pay

Enrollment and Fees

Payees/Billers

  • + What is a biller?

    A biller (or payee) is any company or individual to whom you make payments. Select Move Money » Bill Pay and then search for a biller using the search bar at the top and select to send a payment.

  • + Who can be paid using Bill Pay?

    Any biller with a US address may be paid with Bill Pay. Billers may not be tax entities (such as the IRS or a tax collection agency), collection agencies, or court-ordered payments.

  • + How do I set up billers?

    Select Move Money » Bill Pay » Pay. Then select the ‘+’ at the top and follow the instructions.

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

    No, you do not need to notify billers. They receive your account number and information along with your payment and can credit your account appropriately.

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

    When you first set up your biller, use your coupon or statement to enter biller and payment information. The biller does not need the actual coupon or statement. All the information they need will be included with your payment, so you can keep or recycle the payment coupon.

  • + How much time should I allow for Bill Pay?

    Once you have added a payee, take note of whether the payee will be paid with a check or electronically. It will say either “Check” or “Electronic” under the Payee name. Electronic payments typically take 1-2 business days to clear and paper checks can take 5-7 business days.

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