Customer Service

Fraud & Security Resource Center

The war in Ukraine has prompted a universal call for help, whether that be for humanitarian aid, medical supplies, and/or financial support. Unfortunately, tragedies are made worse by scam artists who prey on the empathy of concerned citizens, including credit union members, with fundraising schemes. Below we share risk mitigation tips as provided by the provided TruStage, formerly the CUNA Mutual Group.

Risk mitigation tips:

UFCU members should consider these risk mitigation tips regarding donations to support any type of relief efforts:

  • do not click on a link or attachment to donate online in an email received from someone unknown to you, and connect through a different communication link to verify the request if an unsolicited online donation request is received from a friend or family member;
  • do not provide personal identifying information or debit/credit card numbers in response to an unsolicited charitable request;
  • resist high-pressure tactics and those with a sense of urgency and be aware of direct emails from “victims” and solicitors who have a heart-wrenching story;
  • research the organization requesting the donation and if you do not feel comfortable, proactively research charitable organizations you may be more familiar with if you would like to donate;
  • Look up the relief efforts through a site such as BBB Wise Giving Alliance, Charity Navigator or CharityWatch and read online reviews, then, enter the URL of the charity yourself to independently confirm you are coordinating with the right organization;
  • be wary of proactive outreaches requesting wire transfers and cryptocurrency and do not donate gift cards;
  • if donating to a charity’s website, make sure the website is secure, your internet connection is secure, and your computer is equipped with the latest anti-virus protection; and
  • if possible, always pay by credit card, which offers additional layers of protection and if donating via check, always make the check payable to the charity instead of an individual.

If a member believes they are the victim of a scam, they should contact Ukrainian FCU by calling (877) 968-7828 during normal business hours to put a hold on the account or credit card, the alert states. Monitor accounts regularly for any suspicious activity or unauthorized charges, and set up notifications that will track your credit card transactions and alert you to account activity.

General tips and resources below:

When in doubt, throw it out:

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.

Think before you act:

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.

Unique account, unique passphrase:

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.

Layer your login:

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.

  • Protect your community by reporting fraud, scams, and bad business practices → Report Fraud (external link)
  • Report identity theft and get a recovery plan → Make a report (external link)
  • Learn about common scams and crimes → Learn more (external link)

Call 877-968-7828 for assistance with your accounts

For branch phone numbers go to Locations & Hours


What is UFCU's routing number?

The ABA routing number is 222382221.

How do I find my full account number?

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 .
I'm traveling to another country. Do I need to let my credit union know?

Yes, especially if the account holder plans to access their account while outside of the United States. Members may set up a travel notice through online banking or by calling during normal business hours at 877-968-7828. If a member travels abroad and tries to access their account without notifying us, we will temporarily place a hold on the account until we can verify that the account holder is the person accessing the account.

I forgot/lost the PIN for my debit card. How do I get a new one?

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.

Can I pay my UFCU loan(s) with my account(s) from another financial institution?

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

How do I increase the limit on my Ukrainian FCU VISA credit card?

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.

What is shared branching and does Ukrainian FCU participate?

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.

What is audio response?

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.

Online & mobile banking

Locked out of online banking or forgot password?

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.

What is RDC?

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.

How do I deposit a personal check using a 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.

How do I deposit a check for my business or organization using a 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 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.

Why does your online banking system periodically request that I change my password?

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.


What is an overdraft?

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

How does Ukrainian FCU cover an overdraft?
  • 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.

What are the standard overdraft practices that come with my 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
Are there overdrafts that Ukrainian FCU does not authorize?

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.

What fees will I be charged if Ukrainian FCU pays my overdraft?

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
What if I want Ukrainian FCU to authorize and pay overdrafts on my ATM and everyday debit card transactions?

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

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.

Third Party Links Disclaimer. You are now exiting the Ukrainian Federal Credit Union Web Site. Please read the following and then click on the button below to access your requested website. Links that open a new browser window are opening a third party page. Ukrainian Federal Credit Union is not responsible for the content or availability of these linked sites. UFCU does not represent either the third party, or the member, if the two enter into a transaction. Privacy and security policies may differ from those practiced by Ukrainian Federal Credit Union. To return to the UFCU web site, click Cancel window that opened for the third party link.