Online Banking FAQ

General Help

Technical Help

U Pay (Person-to-Person Payments) Help

 

General Help

 

What if I want to set up debit or credit card transaction alerts that are delivered in near real-time?

You may receive alerts within a faster time period using the Visa Purchase Alert service. To enroll in this service, you will need to visit https://purchasealerts.visa.com/ to create a Visa Purchase Alerts account or, once registered, log in to your Visa Purchase Alerts account and enroll the card for which you would like to receive alerts. Visa Purchase Alerts is a service offered by Visa only and subject to its own terms and conditions; visit the Visa Purchase Alerts site for more information. Alerts should not be used as a replacement for a ledger or for monitoring your transactions and the available balance or available credit in your accounts.

Once I set an alert in Online Banking or using the Mobile App, when will I start receiving it?

You will start receiving alerts no sooner than the day after they’re set up. Alerts for transactions meeting the criteria are usually sent the day after the transaction occurs.

Are alerts that I set up in Online Banking sent in real time?

No, alerts set up in Online Banking or using the Mobile App will not be sent immediately after a transaction occurs. They are usually sent the day after a transaction meeting the alert criteria occurs, so alerts should be used for notification purposes only. They should not be used as a replacement for a ledger or for monitoring your transactions and the available balance in your accounts.

How do I place a stop payment on a check in Online Banking?

Once logged in to Online Banking, select the Stop Payment link under the Services tab. Choose whether you would like place the stop on a single check or multiple checks. Enter and save the rest of the check information and click Send Request.

 

More information about stop payments

  • Stop payments are not guaranteed, however we will make every attempt to honor your request.
  • If the item was transmitted electronically, or if the check is in process we will not be able to stop the item.
  • The stop payment will remain in effect for six months.
  • There is a stop payment fee. For fee information for your account, please refer our Fee Schedule.
  • If you are attempting to stop payment on a check made through our bill pay service, a lost/stolen check, a temporary check, or an ACH debit, please Contact Us.

How do I view transactions from a specific date range?

For account transaction history, click the account name to view the Account Details screen. Select Show Filters to then filter your account history by date.

How do I see my cleared checks?

To view cleared checks, click the account name to view the Account Details screen. Select Show Filters to filter by cleared checks. Then click the Check Icon within the transaction description.

How do I Reorder Checks?

Click on the Services tab and then select Reorder Checks. You will be redirected to our check vendor’s website to complete your order. If you receive an error page please contact your local branch or call our Member Service Center at (888) 982-1400.

How do I add or change my Account Nicknames in online banking?

Click on the Settings tab.  Select Account Preferences and make the desired changes.  Click Submit at the bottom of the page when finished.

How do I change my Challenge code?

Click on the Settings tab and then select Security Preferences.  Choose the Challenge Code option to change your challenge code.

How do I change my password?

Click on the Settings tab and then select Security Preferences.  Choose the Change Password option to change your password.

Why is it saying I reached my limit when I am trying to make this transfer when it is coming out of my checking not savings?

For security purposes in Online Banking, there are transfer limits set on a per day/month basis.

  • Transfers Allowed Per Day Limit
  • Transfer Dollar Amount Per Day Limit
  • Transfers Allowed Per Month Limit
  • Transfer Dollar Amount Per Month Limit

 

Note: These limits are also subject to the type of Membership, i.e. Business, Trusts, Rep Payee, etc.

How do I set up a recurring transfer?

Click on the Transactions tab and choose Funds Transfer. Complete the options for the funds transfer and then be sure to select the check box next to Make this a recurring transaction.  Select the Frequency and submit the transfer.

How do I complete a member to member transfer?

Click on the Transactions tab and choose Member to Member. To begin, select one of the options to either make a single transfer to another member, or Quick Link a member’s account for later use. Click Submit.  Enter the transfer information in the spaces provided. Click Submit.

How long will it take for an external transfer to be received?

External transfers are processed at 3:00pm (ET) each business day. Please allow 3-4 business days for external transfers to be completed.

Can I transfer funds between UFCU and an account at another financial institution?

Yes, to begin you must add the external account. Click on the Services tab and choose Add External Account. Then follow the instructions provided on the page.

 

Note: The Add External Account process is a two-step process over a period of a few days. Please click on the link below and follow the instructions to complete the setup of an External Account.

Adding External Accounts

How do I change my Secure Delivery Contact Information?

Click on the Settings tab and choose Security Preferences. Choose the Secure Delivery option to change your contact information.

How do I login to Online Banking?

If you have never used Online Banking you will need to go through our online enrollment process. Enroll Now.

 

Technical Help

 

Nothing happens when I click on the magnifying glass?

If you click on the magnifying glass and nothing happens, a pop-up blocker could be blocking the statement from loading. Follow the instructions below to change your pop-up blocker settings.

Adding Pop-Up Blocker Exceptions

 

Adobe Reader is also required to view statements. If you do not have Adobe Reader or it is not working correctly, follow the link below to download and install the latest version of Adobe Reader.

Adobe Reader Download

Check Reorder will not open when I click on it

Check reorder requires pop-ups to be enabled or an exception to be added to your pop-up blocker settings. If the check reorder window does not load, this is the most likely cause. To add a pop-up blocker exception, follow the instructions below.

Adding Pop-Up Blocker Exceptions

Why do I get an error message when I click on reorder checks?

Some browser security settings will block the connection between UFCU and Harland Clarke (UFCU’s check provider). To allow this connection, exceptions will need to be added to your browser’s settings. Follow the instructions below to enable third-party cookie exceptions for your browser.

Adding Third-Party Cookie Exceptions

Why am I unable to View CardPerksTM Rewards?

CardPerks Rewards requires your computer’s pop-ups to be enabled or an exception to be added to your pop-up blocker settings. If CardPerks Rewards does not load, this is the most likely cause. To add a pop-up blocker exception, follow the instructions below.

Adding Pop-Up Blocker Exceptions

You are not authorized to use this system?

If you receive an error “You are not authorized to use this system” it means you are not allowing third-party cookies in your browser. Follow the instructions below to enable third-party cookie exceptions for your browser to correct the error.

Adding Third-Party Cookie Exceptions

 

U Pay (Person-to-Person Payments) Help

 

Is U Pay secure?

Yes! There is no need to share your account number with anyone. Money is sent securely using just an email address or mobile phone number. U Pay payments are processed and protected in the same manner as PIN-based point of sale debit card transactions.

How do I cancel a payment?

A payment you initiated through U Pay may be canceled if it has not been collected by the recipient. To cancel a payment, contact UFCU’s Member Service Center at (888) 982-1400.

Is there a limit to the amount of money I can send using U Pay?

Yes, the same limits apply to U Pay as PIN-based debit card transactions. To learn more, contact our Customer Service department at (888) 982-1400.

What if I get a message saying that my card is not eligible to receive funds?

Some financial institutions may restrict you from using their debit card to collect funds that are sent using U Pay. If this happens, you will be prompted to enter the numbers of a different debit card, or you may also collect the money using your checking or savings account information.

If I send money to someone, when will the money be taken from my account?

Payments sent using U Pay will be debited from your account immediately. The recipient has 10 days to collect the money. If the money is not collected in 10 days, you will be notified and the funds will be credited back to your account within 1-2 business days.

Why does the PIN pad scramble after I select each number?

The PIN pad will scramble after you enter each digit of your PIN number for your protection and as an added layer of security.

What PIN do I enter to verify a transaction?

United Federal Credit Union U Pay payments are processed as PIN-based debit card transactions, so you should use the PIN for your Debit Card tied to your UFCU checking account.

Can I only send money to UFCU members?

No – that’s the best part! You can send money to anyone using just their email address or mobile phone number.

What number does a text notification come from?

Text notifications for U Pay will come from (678) 264-6407.

When does the money become available to the recipient?

If the recipient chooses to collect the funds via a debit card, the funds are available to them immediately! If they choose to collect using a checking or savings account, the money will be credited to their account within 1-2 business days.

How does someone collect money sent to them using U Pay?

A recipient will receive a notification via email or text messages (whichever was specified by the sender) with the payment information and a link to collect their funds. The recipient then enters his/her debit card or bank account information to get the money. No registration or login is required to receive the funds.

Does it cost me anything to use U Pay?

Yes, there is a $0.75 fee per transaction Standard message and data rates may apply when using a mobile device.

How do I access U Pay?

U Pay is available from your personal Online or Mobile Banking account under the “Transactions” menu by clicking “U Pay.”

What do I need in order to be eligible to use U Pay?

To use UFCU U Pay, you must have:

You must have a UFCU Debit Card linked to a personal checking account with UFCU and a valid email address on file. If you don’t have a debit card for your checking account and would like one, please contact our Member Service Center at (888) 982.1400.