the time is getting closer

we're better together

We are excited to announce that your former Edgewater Bank accounts have officially transitioned to United Federal Credit Union. That means you will be able to use all of United’s branch locations and will be able to login to our Online Banking system to access your accounts.

welcome

Many of your friends and neighbors have already made the choice to join United Federal Credit Union, and you can too! Becoming a Member means you are part owner of the credit union, and that comes with some outstanding perks, like higher rates of return on savings accounts, lower interest rates on loans, and an emphasis on quality Member service.

say 'yes' to United

We believe you deserve the best service experience possible, so we’ve made it easy for you to become a Member!

  1. Click Become a Member below and fill in some basic info
  2. Open a Membership Savings account — we’ll pay the initial $5 share for you!
  3. Enjoy access to more products, locations, and online/mobile services

Already have an account with United? Great! You are good to go and do not need to complete the process.

Become a Member Become a Business Member

what's new

Now that the account conversion process is complete, you can:

  • Begin using your United Federal Credit Union checks and debit card.
  • Use United’s Routing number—272484894—for Direct Deposits, automatic deposits, or withdrawals.
  • Use any United branch or ATM.
  • Routing number—Following the completion of the system upgrade, please use United Federal Credit Union’s routing number 272484894 for Direct Deposits, automatic deposits, or withdrawals.
  • Learn how your checking or savings account name changed (your account numbers stay the same ).
Former Edgewater
Bank Accounts
United
Accounts
checking
Former Edgewater Bank Account Money Market Checking
United Account Ultra Checking
Former Edgewater Bank Account Edge Checking
United Account Ultra Checking
Former Edgewater Bank Account Professional Edge
United Account Ultra Checking
Former Edgewater Bank Account Interest Checking
United Account Ultra Checking
Former Edgewater Bank Account Freedom Checking
United Account Rewards Checking
savings
Former Edgewater Bank Account Money Market Savings
Former Edgewater Bank Account High Yield Money Market
Former Edgewater Bank Account Christmas Club
United Account Holiday Club
Former Edgewater Bank Account Membership Savings
United Account Membership Savings
Former Edgewater Bank Account Statement Savings
United Account UEdge Savings

new online banking experience

A better Online and Mobile Banking experience is here! Following the completion of the system upgrade, you will have access to United’s complete digital offerings.

Following the October system upgrade, if you have questions about changes to your United Online Banking experience, please call us at (888) 982-1400 or send us a private message on Facebook and a Member Service Advisor can help you out.


FAQs

A: Some of the highlights you will see after the system upgrade is complete include:

  • New Visa® debit card and new checks being mailed in September for use after the system upgrade
  • More efficient service in-branch and online
  • Mobile Check Deposit—deposit a check from your phone using the United app
  • Low interest or rewards-based credit card options
  • Easily apply for Mortgage loans

A: Yes, transactions you made from October 8-11 processed as normal.

A: No, you will not be charged an Overdraft Fee as a result of our system upgrade. If you have specific questions about your account, please call our Member Service Center at (888) 982-1400 for assistance.

A: Your monthly statement and mortgage statement will transition to United Federal Credit Union’s template, but will include all of the same information you are used to receiving. Please note: you will be mailed two separate October monthly statements—one for transactions made between October 1-October 8 and a second statement for all other transactions made during the month. Please keep both statements for your records. October is the only month impacted, and statements will be generated in November as they have in the past.

If you receive an annual escrow analysis, you will be mailed two separate statements – one for disbursements that occurred through October 8 and one for all transactions that occur between October 9 and the end of your annual cycle and will reflect any overages or shortages as well as your new annual payment.

A: Your former Edgewater Bank checking account will be converted to a United checking account and you will have the ability to conduct transactions as well as use your new United debit card or checks. Your former Edgewater Bank savings account will be converted to a non-Member account, but will remain secure with United. Additionally, some online banking services, such as eStatements and transfers from one account to another, may not be available to non-Members.

NOTE: All of your account numbers will remain the same.

A: No. After the system upgrade is complete, please only use your United Member number going forward, as well as your United username and password if you are signed up for Online Banking. All of your former Edgewater accounts will be displayed under your United Member number.

business accounts

A: Yes, this is normal. If you prefer to use your Trust login ID to manage this account, simply continue to use your Trust login ID and, in your Personal Login, hide the account.

To hide an account: Click on SETTINGS, then click ACCOUNT PREFERENCES. Select the account you wish to hide from the list, locate the Account Visibility section, and toggle the Home option off. This only turns it off on the home screen. It will still be visible in the Funds Transfer lists.

Note that if you do not access your Trust Login ID in 12 months, the login will be removed. However, you can still continue to access the account through your Personal Retail Banking Login.

A: We can assist you in gaining access to this account. Please note that if you are not the tax reporting owner of the account, we will set you up with your own unique Online Banking login. It may take a couple of days for your access to take effect.

A: Statements will only be available under the tax reporting owner’s Online Banking profile. If you are the tax reporting owner, and are unable to see statements for the Trustee account, we will be able to assist you. It may take a couple of days for statements to become visible in Online Banking.

A: Yes, this is normal. The account can be hidden if you prefer.

To hide an account: Click on SETTINGS, then click ACCOUNT PREFERENCES. Select the account you wish to hide from the list, locate the Account Visibility section, and toggle the Home option off. This only turns it off on the home screen. It will still be visible in the Funds Transfer lists.

A: After our October system upgrade, our team will need to re-add access to personal accounts through business logins. Please know that you will still have access to your personal account under your personal Online Banking login.

A: Following the completion of the October system upgrade, you may not immediately see accounts where you are not the Tax Reporting Owner in your account list. Our team will be working to re-add your access to these accounts.

A: Your saved information from Edgewater Bank will be automatically transferred to United Federal Credit Union. As a backup measure, you may wish to save those files in a CSV or PDF format.

A: To schedule a recurring ACH, you will need a valid account and routing number. Then, login to your United Online or Mobile Banking account and follow these steps:

  1. On the Payments page, after you have chosen your transaction type (ACH), a screen title Origination Details will appear. You will need to fill in the following details:
    • Select a Subsidiary
    • Select an Account.
    • Select an Effective Date. The Recurrence option will change from None to Set Schedule.
    • Click Set schedule.
  2. On the Schedule Recurring Transaction screen:
    • Select how often you want your transaction to repeat.
    • Select when you want your transaction to stop.
    • Click Set Recurring Transaction.

A: Yes. Our new system will require you to setup Intuit/Quickbooks from scratch in United’s Online Banking. It is recommended that you download all of your current data in these programs by October 8.