Cybercriminals attempt to compromise your information through links and attachments in email, text messages, social posts, and online advertising. It is generally safe to open emails, but be vigilant about how you interact with the content included. Mark as “junk” or delete if something appears suspicious.

If something sounds too good to be true, it probably is! Be careful with communications from unexpected and unverified sources that seek your immediate action.

Having the same passphrase for all of your accounts might be convenient for you, but it’s a treasure trove for cybercriminals. Create and maintain different passphrases for your accounts – with at least 10 characters with uppercase and lowercase letters, a number, and a symbol – and do not share with anyone.

Implement the strongest authentication tools available, such as fingerprints, security keys or a unique one-time code. Your username and passphrase alone might not be enough to keep a cybercriminal from accessing your personal and financial information.

The ABA routing number is 222382221.

Because your account number is a unique identifier and is considered sensitive information, only the registered user on the account has access. You may find the account number:

• on your personal or business checks.
• in online or mobile banking (Account Summary > Select Account > Select ‘Details’ > Select ‘Show Full Account Number’).
• by calling one of our branches .

Yes, you can use your card internationally. However, to avoid declined transactions, please set up a travel notice via online banking or call us at 877-968-7828 during business hours.
Tip: Be aware of foreign transaction fees and currency conversion rates that may apply. (1% fee for debit cards and 2% for credit cards, based on the purchase amount.

Yes, 1% fee for debit cards and 2% for credit cards, based on the purchase amount.

Once you have your credit card on hand, you can call PIN now at 888-886-0083. Please make sure you call from the registered phone number that UFCU has on file or else PIN now won’t let you proceed.

Please call 866-985-2273. Please note that Ukrainian FCU does not generate or store anyone’s PIN, but instead serves as a secure portal through which members may send and receive information regarding their debit card.

Yes. Please use our ProPay feature by clicking here. Additional fees apply.

Please notify us of your request. Then, be ready to provide us with a few documents:

• If employed, pay stubs for the most recent two (2) months.
• Tax return for the most recent year.
• Bank statements for the most recent two (2) months.

We welcome you to visit one of our branches, contact us by phone 877-968-7828, or send us a message through our Comments or Questions form.

Shared branching allows members of one credit union to do a range of transactions at another credit union. Through the CO-OP Shared Branch network, participating credit unions can serve members in diverse geographical locations, even when they move or travel.

Members of Ukrainian FCU have the option to do certain transactions at more than 5,600 locations from coast to coast. To learn more we invite you to explore our Shared Branching brochure.

Our 866-791-1018 audio response phone number gives members the opportunity to access their account information, check branch hours, check rates, report a lost/stolen card, or transfer to a member service representative all over the phone.

After placing your order, your card will be delivered within 7–10 business days.

You can make a payment using the following methods:
•  By phone: Call 866-820-4875 to pay using your Ukrainian FCU account or another financial institution.
•  Online banking: Log in and go to the “Credit Cards” menu.
•  In person: Visit or call your local branch.
•  By mail: Send a check to your local branch.

You can apply online using the following link:
Apply for a Credit Card (https://forms.onlineaccountaccess.com/secure/ukrainianfcu/)
Alternatively, schedule an appointment at your local branch.

Please contact your local branch or call Customer Service at 877-968-7828. Or log into Online Baking and navigate to “Service Center” – Secure Forms. Select which card you would like to replace and provide the requested details. The new card will be delivered within 7–10 business days

Yes, we offer rush embossing and delivery to home addresses. A $39 service fee will be charged to your checking account.

Yes, we offer a Secured Visa Card which requires a security deposit equal to the credit limit https://ukrainianfcu.org/personal/credit-cards/

You can submit an application on our website. When upgraded, we will refund your initial security deposit.

Please call us at 877-968-7828 or contact your local branch to request a limit increase.

You can immediately block your card through online banking:
1. Click the profile icon (top right corner).
2. Go to Service Center.
3. Select Reactivate/Deactivate My Card.
Alternatively, call 24-Hour Debit Card Service at 866-820-1997.

You can block your card using online banking:
1. Select “Credit Cards” from the menu.
2. Choose “Manage Cards”.
3. Click the green “Lock Card” button.
Or call 24-Hour Credit Card Service at 866-820-3803.

If you notice unauthorized charges, contact us immediately to report the transactions and provide details.
You can also fill out the dispute form here: Cardholder Dispute Form
Important:
• Report fraudulent transactions within 60 days of the posting date.
• Fraud disputes are typically processed within 10 business days.

If you detect unauthorized charges on your credit card, contact 24-Hour Credit Card Service at 866-820-3803 immediately.
• Your current card will be closed.
• A new card will be sent within 7–10 business days.
• Fraud disputes are processed within 10 business days.

The CVV (Card Verification Value) is a 3-digit code located on the back of your card, next to the signature panel.

You can call 24-Hour Credit Card Service at 866-820-3803 or Customer Service 877-968-7828 for assistance.

You can call 24-Hour Debit Card Service at 866-820-1997 or Customer Service 877-968-7828 or support.

Have your card ready and call our activation line 866-985-2273 and stay on the line to set up your individual PIN.

You may withdraw up to a maximum $500 in any one day if there are sufficient funds available in your account. If you need to withdraw more than $500, please call your local branch or Customer Service 877-968-7828

A statement balance is the total balance at the end of your credit card billing cycle. Keep in mind that the amount will not change if you make a payment. It will only change when the next billing cycle closes.

Your due date is at least 25 days after the billing cycle closes. No interest is charged on purchases if the full balance is paid by the due date. Interest on cash advances and balance transfers starts from the transaction date.

The APR varies based on the Prime Rate and your credit score, with a maximum cap of 18%.

No, we do not charge a service fee, but some transactions have processing fees: – Cash advances: $10 or 1% of the amount (whichever is greater). – Foreign transactions: 2% of the transaction amount.

A late payment fee of up to $35 may be charged if your payment is received after the due date.

A fee may be charged if you opted-in to Debit Card Overdraft Privilege, which allows for approval of a transaction when funds are not available.
You may opt-out of Debit Card Overdraft Privilege at any time by contacting your local branch

Your due date is always the 23rd of each month.

Yes! With the UFCU Everyday Rewards Visa Card, you earn 1 CU Rewards point per dollar spent, redeemable for gift cards, merchandise, or cashback.

Your minimum payment includes:
1. Any past due amount.
2. 2% of your new balance (or $10, whichever is greater).
3. Any amount exceeding your credit limit.  If the total balance is under $10, the full amount is due.

Debit Card: Uses your own funds from a checking account. Transactions deduct immediately. – Credit Card: Uses a line of credit. You receive a statement and can pay overtime, with interest on unpaid balances.

Transactions at CO-OP Network ATMs are free. Find one here: CO-OP ATM Locator.

Free: If your card is lost, stolen, compromised, or damaged.
– $20 fee: If you request a replacement for other reasons.

There may be a hold on a check deposited and is based on a case by case. Please reach out to a team member to discuss further.

No, we can’t to place holds on direct deposits since their timing and processing are entirely controlled be the sender. Once released, the funds are automatically deposited into your account.

If your account is inactive, dormant, or has insufficient funds, your transaction may be declined. Please contact your local branch or Customer Service 877-968-7828 for assistance.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please…

Call (877) 968-7828, extension 1138, to speak with a representative, or e-mail mromanyuk@ukrainianfcu.org or odp@ukrainianfcu.org
Fill out brief Overdraft Privilege Opt-In Form (click here to download form)
You can revoke your authorization for Ukrainian FCU to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.

Yes. Please use our ProPay feature by clicking here https://propay-rufcu.lenderpayments.com/#/person/create/. Additional fees apply.

UFCU members can use the Shared branching across the county allows to do a range of transactions at another credit union. Through the CO-OP Shared Branch network, participating credit unions can serve members in diverse geographical locations, even when they move or travel.
Find the closest Share Branch here: https://co-opcreditunions.org/locator/?_ga=2.113507015.1551500382.1739290032-1522970735.1738178689

The insufficient funds fee is charged when a transaction is declined due to a lack of funds in your account, and it is equal to $27.

You may apply for a primary share account online https://eopen.myvirtualbranch.com/1611/Application or by visit your local UFCU branch https://ukrainianfcu.org/locations-hours/ The minimum deposit is $10.

If you are not a member of any organization within Ukrainian FCU’s common bond network, you may still be eligible to join the credit union. You must first establish membership with one of our common bond organizations listed below.

You are eligible to become a member of Ukrainian FCU if you are a U.S. Citizen or Permanent Resident AND meet one of the following membership requirements:

You are a member of a common bond church or organization
You are an immediate family/household member of a current Ukrainian FCU member https://ukrainianfcu.org/about-us/membership/
If you are not a member of any organization within Ukrainian FCU’s common bond network, you may still be eligible to join the credit union. You must first establish membership with one of our common bond organizations listed below.

At this time, UFCU does not offer a foreign currency exchange service

A minimum deposit of $10 is the requirement to open a share savings account and maintain membership at Ukrainian Federal Credit Union.

Yes, we have notary publics on staff at our branch locations https://ukrainianfcu.org/locations-hours/. We provide this service free of charge to UFCU members and no appointment is necessary.

You are eligible to become a member of Ukrainian FCU if you are a U.S. Citizen or Permanent Resident AND meet one of the following membership requirements:

You are a member of a common bond church or organization
You are an immediate family/household member of a current Ukrainian FCU member https://ukrainianfcu.org/about-us/membership/
If you are not a member of any organization within Ukrainian FCU’s common bond network, you may still be eligible to join the credit union. You must first establish membership with one of our common bond organizations listed below.

If you are a permanent resident, you may need:
• A valid (non-expired) driver’s license, government-issued ID, or passport.
• SSN
If you are a resident alien, you may need:
• A valid (non-expired) driver’s license, government-issued ID, or passport from your native country.
• SSN or an equivalent document from your native country
• Proof of legal status in the U.S.

Loan approval can take anywhere from a couple of hours to a week, depending on the dollar amount and the sufficiency of the documents provided. Loan approval is a multi-step process that starts with a loan application and ends with loan disbursement.

Yes, we offer business loans to fit your short- and long-term needs! Visit our page https://ukrainianfcu.org/business-organizations/truck-loans/ to get more information.

To change your name, you are required to complete a new Account Change Card signed by all members on the membership account. The form can be obtained at your local branch or by calling Customer Support 877-968-7828

We will need proof of your name change, such as a government-issued ID and SSN. We will also order new plastics (debit/ATM cards, etc.) and checks if requested.

You can visit one of our branches or log into your online banking. Click on the icon in the top-right corner and navigate to “My Profile” – “Change Address” or call Customer Support at 877-968-7828.

You can call your local branch or Customer Support at 877-968-7828, or log into your online banking. Click on the icon in the top-right corner and navigate to “My Profile” – “Change Phone Number.”

The available balance is the balance in your savings account, excluding the $10 required minimum balance to maintain membership.

Your available balance in the checking is the balance in your account minus pending Debit authorizations that have not yet cleared and/or other held funds.

Click on ‘Forgot Password’ and follow the instructions on your screen. If you still cannot unlock your account, please call us at 877-968-7828 during normal business hours.

RDC stands for Remote Deposit Capture. With the Ukrainian FCU mobile app, which anyone can download for free on their Apple or Samsung mobile device, members can deposit checks through their mobile device.

You must first download the Ukrainian Federal Credit Union mobile app for your Apple or Samsung device. Once you download the app, please follow the instructions below:

1. Endorse check by signing your name in ink (not pencil).
2. Write “For UFCU Mobile Deposit Only” below the endorsement.

Please note that the daily deposit limit is $5,000.  If you’d like to raise the daily deposit limit on an account, please call our toll-free number at 877-968-7828 or local branch.

You must first download the Ukrainian Federal Credit Union mobile app for your Apple or Samsung device. Once you download the app, please follow the instructions below:

1. Endorse check by printing the name of the business or organization in ink (not pencil).
2. Write “For UFCU Mobile Deposit Only” below the endorsement.

Please note that the daily deposit limit is $5,000.  If you’d like to raise the daily deposit limit on an account, please call our toll-free number at 877-968-7828 or local branch.

The security of your account is one of our primary concerns, and in order to safeguard against potential online threats, we periodically will request that an online banking user change their password.

Please check the settings on your phone for our App. Biometrics and Camera should be enabled.
Next, check the settings inside the app:
• Click the icon on the top right corner.
• Select Service Center → Manage Biometrics.
• Choose Biometric Devices and either add a new one or replace the existing.

Security questions appear when the system detects a new device, unusual login location, suspicious activity or consistently providing incorrect answers.

• Visit our website or download our mobile app.
• Click “Enroll Personal” for personal accounts and “Enroll Business” is you have a business or organization’s accounts. Follow the steps to enter your account details and create your login credentials.
• You will need your account number, SSN, the address and a contact information to complete the process.

• Too many incorrect login attempts can result in a temporary lockout.
• To regain access, use the “Forgot Password?” link or contact Customer Service 877-968-7828 for assistance.

Yes.
Click the icon on the top right corner.
• Go to Service Center→ Manage My Alerts
• Choose the types of alerts you want, such as any account activity, debit card purchase posted, large withdrawal etc.
• Choose the account
• Select the type of notification (e-mail or push notifications)

Yes, you can link external accounts for easier transfers and consolidated account management.
• Go to Transfers → Transfer Accounts → Add My Account at the Another Financial Institution.
• Enter your external bank details
• After submitting, you will received verification micro-deposits (under 1$) in your external account within 1-3 business days.
• Once you see the micro-deposits, return to your UFCU mobile banking, go to Transfer Accounts → Verify, and enter the exact amounts of the deposits to complete the verification process.
The external account will be ready to use within 24 business hours after the verification.

Absolutely.
• Log in to your UFCU online banking account or mobile app.
• Click the “Menu” icon on the top left corner.
• Navigate to “Open New Account” and choose from available options like checking, savings, or money market accounts.
• Complete the online application, and your new account will be opened once approved.

• Log in to your UFCU online banking account or mobile app.
• Click the icon on the top right corner and go to Service Center → eDocuments
• Scroll down and put the code 898148327
• Select All Electronic or choose manually the accounts for electronic statement
• Confirm by clicking on Accept &Update Preferences

Use the Pay My Bills feature to pay bills directly and avoid postage costs.
• Log in to your UFCU online banking or mobile app.
• Navigate to the banking menu or tap Pay My Bills icon at the bottom of the screen in the mobile app.
• Add your payees, schedule payments, and set up recurring payments if needed.
• Payments are processed securely, and you can track all transactions in one place.

A check may be declined if:
• The endorsement “For UFCU Mobile Deposit Only” or the equivalent checkbox was missed.
• The signature of the payee(s) is missing.
• The image quality is low or the text is unreadable.
• The amount written in numbers differs from the amount written in words.
• The check was deposited into an account where the payee(s) is not listed.
• The check amount exceeds the daily or monthly limits.

Please contact your local branch or Customer Service 877-968-7828 for assistance.

Please contact your local branch or Customer Service 877-968-7828 for assistance.

1. Log in to your online banking through our website or UFCU app.
2. Click on the icon in the top right corner and navigate to My Profile > Change Security Information.

Yes, cleared check images are available on your electronic monthly statement. To access check images:
1. Log in to your online banking.
2. Click on the icon in the top right corner and navigate to Service Center > eDocuments.
3. Select ‘Deposit Statement’ for Document Type, choose your checking account, and select the year.

• Electronic payments: Allow 3 business days for processing.
• Check payments: Allow up to 7-10 business days.

Yes, Pay My Bills is a free service that allows you to conveniently set up electronic payments with many popular payees.
To sign up for Pay My Bills:
1. Log in to Online Banking and select the BillPay link found at the top of the page or at the bottom of the screen on your UFCU mobile app.
2. Follow the instructions to enroll your accounts and add payees.
Note: Ensure that all endorsements and deposit requirements are met to prevent deposit issues.

An overdraft occurs when a member does not have enough money in their account to cover a transaction, but UFCU pays it anyway.

• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less costly than our standard overdraft practices.

To learn more, please call us at (877) 968-7828.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

Yes. We will not authorize and pay overdrafts for the following types of transactions without your consent:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee of up to $27 each time we pay an overdraft
• There is a limit of 5 charges per day on the total fees we can charge you for overdrawing your account

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please…

• Call (877) 968-7828, extension 1138, to speak with a representative, or e-mail mromanyuk@ukrainianfcu.org or odp@ukrainianfcu.org
• Fill out brief Overdraft Privilege Opt-In Form (click here to download form)
  

You can revoke your authorization for Ukrainian FCU to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.

We do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments.

Yes. We will not authorize and pay overdrafts for the following types of transactions without your consent:

ATM transactions
Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.