Take care of your money from nearly anywhere in the world with our online and mobile banking platforms.

Online Banking

Access your accounts from the comfort of your home or when you’re on the go.

• View account balances, transaction history, and eStatements
• Transfer funds between accounts
• Make loan payments and pay bills
• Open additional accounts and apply for loans
• Access UFCU Visa® Credit Card, make payments, view transactions and statements
• Track your income & expenses with an easy to use budgeting tool
• Link your UFCU accounts with Quicken® & QuickBooks®

Click here to register for Online Banking.

 

Mobile Banking & Mobile App

Download the UFCU Mobile App for your Apple^® or Android^® device, search for Ukrainian Federal Credit Union in the App Store or Google Play.

• Deposit checks by taking a picture with your smartphone or tablet
• View account balances and transaction history
• Transfer funds between accounts
• Make loan payments and pay bills
• Track your income & expenses with an easy to use budgeting tool

This is what the App image looks like.

My Face ID or fingerprint doesn’t work. What can I do?

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.

Why do I often have to go through security question verification?

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

How do I enroll in online banking for the first time?

• 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.

Why am I locked out of my account?

• 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.

Can I set up alerts for account activity?

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)

Can I link external accounts to my online banking?

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.

Can I open new accounts directly through online banking?

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.

How do I switch to paperless statements?

• 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

How can I pay my bills through online banking?

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.

I deposited a check online, but it was declined.

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.

What is the limit for mobile check deposit?

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

Are there any limits for transfer between the accounts?

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

How do I change the security questions?

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.

Can I view my cleared checks online?

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.

How long does it take for a payment to reach a company through Pay My Bills?

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

Do you offer online Bill Payment? Is there any service fee?

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.

UFCU is partnering with Zelle^® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle^®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Easily start today using just your email address or U.S. mobile number:

1. Enroll or log in to Bill Pay
2. Select “Send Money With Zelle^®”
3. Accept Terms and Conditions
4. Select your U.S. mobile number or email address and deposit account

That’s it! You’re ready to start sending and receiving money with Zelle^®.

Don’t have our mobile app? Download it for free:

 

What is Zelle?

Zelle is a fast, safe, and easy way to send and receive money directly between U.S. bank accounts, typically within minutes, using just an email address, U.S. mobile phone number or U. S. bank account and routing number.

How do I enroll and use Zelle®?

You can send, request or receive money with Zelle^®.

• To get started, log in to online banking or our mobile banking app and navigate to the “Send Money with Zelle^®.” To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle^®.
• To send money using Zelle^®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle^®.
• To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.” If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
• To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

Can I use the same phone number/e-mail to enroll Zell in different financial institutions?

No, the email address or mobile number will be the method used for people to send you money and can only be enrolled in Zelle at one bank or credit union at a time. If your contact information is registered elsewhere, it will be declined until it’s removed from the other account.

My Zelle is enrolled, but I don't get a transfer to my account.

Please open a Zelle settings to ensure your phone number or e-mail address is enrolled to receive money. When the settings are completed, the funds will be automatically posted to selected account. Otherwise, navigate to the Activity to check the processing time of expected transfer.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your contact information could be declined on Zelle for several reasons:
1. Already registered with Another Bank or Zelle Account
2. Phone number Type issue: prepaid phone numbers, VoIP numbers (like Google Voice), or international numbers aren’t supported. 3.You may have incorrect contact information on your profile.
To fix it:
-unlink it from another account if applicable
-verify the contact information on ibanking profile
– contact your local branch or call Customer Service 877-968-7828

Who can I send money to with Zelle?

Zelle^® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your UFCU account to another person’s bank or credit union account within minutes, ¹ Zelle^® should only be used to send money to friends, family and others you trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Ukrainian Federal Credit Union nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Is there a fee to use Zelle?

No, Ukrainian Federal Credit Union does not charge any fees to use Zelle^®. Your mobile carrier’s messaging and data rates may apply.

Ukrainian Federal Credit Union does not charge fees to send or receive money with Zelle^®, but there is a fee to cancel a Zelle^® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier’s messaging and data rates may apply.

Can I stop the transaction?

Zelle has a stop-payment only for pending transactions, means that completed instant transfer can’t be stopped. The service fee for a complited stop payment request is $25.

How long does it take to receive money through Zelle?

In most cases, money sent through Zelle is available within minutes. If the recipient is not yet enrolled in Zelle, they will receive instructions on how to enroll and claim the payment. Additionally, you can check your daily limit to find out the processing time.

What should I do if I accidentally sent money to the wrong person?

Zelle payments in most cases are instant and cannot be canceled once sent if the recipient is already enrolled. If you sent money to the wrong person, reach out to them directly. If further assistance is needed, please contact our customer support 877-968-7828.

Can I use Zelle if my recipient’s bank doesn’t offer it?

Yes, you can send directly to the bank account. The following information is required:
1) recipient’s name
2) bank account number
3) routing number

Are there limits to how much I can send or receive with Zelle?

Yes. The daily sending limit is $1000, and the monthly limit is $3000. However, the sending limits may vary based on your account type and bank policies. Please check your online banking or contact us directly for your specific limits.

I don't have Send Money with Zelle on my banking app?

To be eligible to enroll in Zelle you must be at least 18 years old, and your account should be open at least 30 days.

Can I use Zelle if I have only one account at UFCU?

Yes, any personal account is available to use in Zelle.

How do I receive money that someone sent me with Zelle®?

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your UFCU account and will be available typically within minutes.

If you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Ukrainian Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Is my information secure?

Keeping your money and information safe is a top priority for Ukrainian Federal Credit Union. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your UFCU account safe.

Can I use Zelle® internationally?

To use Zelle^®, the sender and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call services at (877) 968-7828 so we can help you.

 

What are scheduled and recurring payments?

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Ukrainian Federal Credit Union but are a separate service from Zelle^® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Are there any limits for sending and receiving money with Zelle®?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Ukrainian Federal Credit Union send limits, call our service at (877) 968-7828.

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

¹ U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle^® directly through their financial institution’s online or mobile banking experience.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Copyright © 2023 Ukrainian Federal Credit Union. All rights reserved. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.