General Help FAQ

How do I change my debit card PIN?

There are 3 ways to change your debit card PIN:
 

If you know your current PIN, you may call (866) 238-5318 to request a new personalized PIN. This change will take effect immediately.

 

If you do not know your current PIN, please contact the Member Service Center to have a randomly generated PIN sent to you through the mail.

 

Visit your local branch to make an immediate personalized PIN change.

If I want to order my own checks where can I find the information to put on the bottom of the checks?

You can find it on your Checking Account History page in Online Banking. First, login to Online Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.

Where can I find my account information for an electronic or verbally authorized transaction?

You can find it on your Checking Account History page in Online Banking. First, login to Online Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.

How do I send mail to the Credit Union?

Regular Mail:
PO Box 125
St. Joseph, MI 49085

 

Overnight:
2807 S. State Street
St. Joseph, MI 49085

What are your branch hours?

Click here, then select your desired location.

Can you help me find a deposit-taking ATM?

Yes, click here to find ATM locations.

Can you help me enroll in Online Banking?

Yes, click here for instructions.

How do I redeem my CardPerksTM points?

To view and redeem your CardPerks points, click on the Services tab and then select CardPerks Rewards.  Select the account you would like to view. This will bring up a new window with the CardPerks Rewards redemption site. Once on the Rewards site you may choose to redeem your points for travel or gift cards.

Where can I find how many CardPerksTM points I have earned?

To view and redeem your CardPerks points, click on the Services tab and then select CardPerks Rewards.  Select the account you would like to view. This will bring up a new window with the CardPerks Rewards redemption site. Points are displayed on the left side of your screen.

Where can I find my account number?

Your account number comes after your routing number on the bottom of your check. It is before your check number on the bottom right corner.

What is a “Routing Number” and where do I find it?

A routing number is use to identify a specific financial institution. Each financial institution has their own number. This number can be found on the bottom left corner of your checks and is usually a 9 digit number.

 

The UFCU routing number is 272484894.

What is the difference between a Credit Union and a Bank?

Credit unions offer services like banks do, but there are some differences.

 

  • Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks can. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
  • Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.
  • Many smaller credit unions offer only basic services. Loans to members are credit unions’ biggest investment, mostly home and auto loans. However, larger credit unions, such as UFCU, provide full financial services including federally insured, interest-earning deposits, consumer loans, mortgage products, credit card services, and investments. Members of credit unions are provided the same products and services offered by a bank – and often at better rates and low or no fees and with superior member service.

Why Do I Have To “Qualify” For Membership?

Credit unions are democratically run and each member has one vote. Members elect the board of directors who represent the members for strategic decisions and planning within the credit union. So, when you join a credit union, you get a say in how the organization is operated.

 

Each credit union’s organizing charter defines who is eligible to become a member. Members have something in common, usually something like an employer or place of residence. Credit unions have a “field of membership,” and a common bond that members have to share. Fields of membership can be defined by place of employment, church membership, or residence in a community, to name just a few ways.

 
 

Online Account Opening

 

Can I order checks for my Money Market Account?

If you would like to order checks for your Money Market Account  please contact the Member Service Center at (888) 982-1400.  There is a 3  check per month limit on this account.  If there are more than 3 checks  written in a month they will be returned Non-Transaction Account and the  merchant may charge you a returned check fee.

How can I open a Youth Account?

Youth Accounts are not available to be opened online.  Please stop  buy your local branch or contact our Member Service Center toll-free at (888) 982-1400 to open an account.

What is a routing number and where do I find it?

A routing number is use to identify a specific financial  institution.  Each financial institution has their own number.  This  number can be found on the bottom left corner of your checks and is  usually a 9 digit number. The United Federal Credit Union routing number is 272484894.

What is the difference between a Credit Union and a Bank?

Credit unions offer services like banks do, but there are some differences.

 

Credit unions are not-for-profit organizations. This means that any  profit the organization earns beyond operating costs is returned to the  members in the form of better interest rates, low or no fees, improved  and expanded services and facilities.  That’s why we can often offer  higher interest rates on savings and lower rates on loans than banks  can.  The profit earned by banks is paid to owners and shareholders  rather than to the bank’s customers.

 

Credit unions offer most of the same services that banks offer, but  the services are named differently. A share draft account compares to a  checking account, share certificates compare to certificates of deposit,  and regular share accounts compare to savings accounts.

 

Many smaller credit unions offer only basic services. Loans to  members are credit unions’ biggest investment, mostly home and auto  loans.  However, larger credit unions, such as United Federal Credit  Union, provide full financial services including federally insured,  interest-earning deposits, consumer loans, mortgage products, credit  card services, and investments.  Members of credit unions are provided  the same products and services offered by a bank – and often at better  rates and low or no fees and with superior member service.

What is my Account Security Password use for?

Your account security password will be used to identify you in the  event you call into our Member Service Center, or if you come into a  branch and want to transact business on your account. This is to protect  you and your account from fraudulent activity happening on your  account.

Can I change the information on my account application?

You have the option to edit your account information prior to  submitting the information to United Federal Credit Union. Simply click  on the “Edit” button above the grouping of information you would like to  change, and you will be permitted to change your input.

When is the opening deposit processed?

Transfers from your existing account at another financial  institution to your new account will occur within 2-5 business days. If  you currently are a United Federal Credit Union member and are  transferring money from an existing account with us, the transfer will  occur on the next business day.

Is a minimum deposit required to open an account online?

Please refer to our account selection page for product minimums.

When I authorize you to access my credit file will it affect my credit score?

The information initially pulled from your credit file is to  verify your identity and will not affect your credit score.  If your  application goes into review status, UFCU has the option to access your  full credit file if necessary to complete your application; this option  could have a minor impact to your credit score.

Why is personal information required to open an account online?

Your application is processed subject to our ability to verify  your identity. (For more information, select “What do I need to open an  account with United Federal Credit Union?” above.)

What information do I need to open a joint account?

You’ll need the same information that’s required when opening an  individual account – but you’ll need it for both applicants. For  details, select “What do I need to open an account with United Federal  Credit Union?” above.

Is my online application secure?

United Federal Credit Union uses encryption for online  security. Encryption technology helps provide secure transmission of  information along the Internet by encoding the transmitted data using a  mathematical formula to scramble the data. Without a corresponding  “decoder”, the transmission would look like nonsense text and would be  unusable. Encryption technology can be used for a host of applications,  including electronic commerce (sending credit card numbers for orders or  transmitting account information), email messages and sensitive  documents. Encryption is utilized with the transmission of data from one  party to another. The sender encodes the data by scrambling it and then  sends it on. The receiver must decode the data with the correct  “decoder” in order to read and use it. The effectiveness (or level of  security) for encryption is measured in terms of how long the key is –  the longer the key, the longer it would take for someone without the  correct “decoder” to break the code. The length of the key is measured  in bits (e.g., 40-bit encryption, the level of encryption used with many  ordinary browsers, versus 128-bit encryption, the level of encryption  required to use this application).

What do I need to open an account with United Federal Credit Union?

There are several things you will need to refer to – and provide – during the account opening process:

  • Social Security Number
  • Valid form of identification: Drivers License, State ID, Military ID or Passport
  • Personal Information including your date of birth, and former mailing address(es).
  • If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, we will be unable to enroll you online. Please  visit one of our branches for assistance.