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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 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.

You should start receiving alerts after 24 hours have passed. Alerts for transactions meeting the criteria are usually sent the day after the transaction occurs.

No, alerts set up in Digital 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.

Yes, you can view both the front and the back image of the cleared checks using Mobile Banking.

No. You will not need to enter a Mobile Access Code (MAC) to perform a transfer. You can setup and approve the transfer without this step in the new Mobile Banking.

To update your secure access delivery information, please log in to your account using an existing secure access delivery method, and update the information in Settings under Security Preferences. If all of your delivery methods are out of date, please contact our Member Service Center at (888) 982-1400, initiate a live chat, or stop by your local branch.

For Pay with Checking option:
From the Pay with Checking home screen, click Add Payee at the bottom of the screen. Provide the account and other information and click Continue.

For Pay United Loans option:
You will not need to add payees for United loans. All eligible accounts are listed in the From Account drop-down.

Yes, mobile check deposit is available. Within the mobile banking app tap the Menu button, then Mobile Deposit.

This feature allows you to use the camera on your mobile device to capture check images and use them to make a deposit. The Deposit Check feature also displays the details and status of your checks as either pending or processed. Click here for more information on Mobile Check Deposit, including eligibility and fees.

Yes, you have the ability to create a recurring or future transaction for some types of payments or transfers. You can review or delete your recurring transactions by clicking Manage Activity within the Move Money menu.

All active accounts are eligible for mobile banking including savings, checking, certificates, mortgages and loans.

Yes, you can! The default name for the account displays unless you have created a custom display name (aka Nickname) within Digital or Mobile Banking. To create nicknames for your accounts, use Account Preferences within Settings in Mobile Banking. Change your account nicknames as often as you wish.

Your messages and alerts to/from United are consistent between mobile banking and Digital Banking. This means if you send a message while working within Digital Banking, you can use your app to read the reply and vice versa.

Our secure messaging is integrated so all the messages you receive in one channel are visible in the other.

Yes, the Security Preferences feature within Settings allows you to create/edit your Login ID and change your password as needed.

Not every mobile device supports all features of mobile banking. A device’s operating system and capabilities affect the overall user experience. The devices/features that deliver maximum performance of our mobile apps are:

• Operating Systems: Apple iOS (version 10.0+) or Android OS (version 6.0+)
• Camera Specs: Rear-facing, auto focus, 5+ megapixel resolution for mobile remote deposit capture (RDC). Devices without a rear-facing camera will not support mobile RDC.
• Connectivity: 4G LTE / Wi-Fi
• Location Services: GPS enabled/native mapping app enabled. Devices without location services or native mapping applications do not support Branch/ATM location functionality.

A: Yes, if you want your device to remember your Login ID for your next visit, select the Remember Me check box on the login screen before you sign in.

Yes, click on the Locations link located at the bottom of the mobile banking login page.

Yes, you can make future dated payments using the mobile app.

Yes. Our Bill Pay solutions will allow you to add a new payee, create new payments, or cancel scheduled payments on the go if needed.

You can do things like:

1. Check your account balances
2. View account details and transaction history
3. Transfer between accounts and pay bills
4. Perform mobile check deposits
5. Find united branch and ATM locations
6. Update your contact information
7. And more advanced functions such as opening new accounts and applying for a loan

Yes, you will need to download the Mobile App from the App Store or Google Play to your device.

Download the United Mobile App today!

A: Apple Devices:

• Open the App Store icon and search for “United Federal Credit Union”.
• The Mobile App will display, select “Get” , then “Install” to download the App to your device.

    Android Devices:

• Open the Google Play icon and search for “United Federal Credit Union”.
• The Mobile App will display, select “Install” to download the App to your device.

Download the United Mobile App today!

No. You now have the option to enroll through our Mobile Banking app by clicking Enroll Today at the bottom of the login screen. The same Login ID and password can be used to log in to either Mobile or Digital Banking.

Yes. The Mobile App is free of charge*.

*Please note standard SMS Text Messaging and Web Browser application fees from your mobile phone provider may still apply. Please contact your mobile service provider for details. Charges also may apply for using Mobile Check Deposit, please see which accounts are eligible for no-charge deposits.

The Mobile App is very similar to our Digital Banking experience. You can check your account balances, view account details and transaction history, transfer between accounts, pay bills, perform mobile check deposits, and find United branch and ATM locations. You can also do more advanced functions such as updating your contact information, opening new accounts, and applying for a loan. The Mobile App can be downloaded directly to any newer compatible iPhone and/or Android Smartphone.

Download the United Mobile App today!

Yes. You always have the option to login using your Login ID and password by selecting Cancel to return to the standard login screen.

Touch and Face ID Authentication are designed to be secure, but we don’t recommend using Touch or Face ID Authentication if you share your phone or device passcode with others. Anyone who knows the device’s passcode has access to add a fingerprint or facial recognition to the device.

It is encrypted and stored within your device. United Federal Credit Union and Mobile Banking do not have access to it.

If an old version of our App is being used, you will need to update to our newest version to use the Touch Authentication feature. Navigate to the App Store and tap Updates in the lower right hand corner of your screen.

After changing your password, you must update Touch Authentication or Face ID with this new password to continue using the feature. Under Settings select Security Preferences, toggle Touch ID or Face ID to the Off position and then switch it back On. Tap Authorize to register your new password.

Yes, select Cancel to log into Mobile Banking with your Login ID and password instead of using Touch Authentication.

Yes. Once enrolled in Touch Authentication, fingerprint sign in is activated. This means any fingerprint which is stored on the device can then be verified to sign into Mobile Banking.

At this time, Touch Authentication and Face ID are only available for logging into the Mobile Banking App.

A: Touch Authentication is available for the iPhone® 5s or later running a minimum of iOS 10. Touch Authentication is also available for iPad Pro®, iPad Air® 2, or iPad mini™ 3 or later running a minimum of iOS 10.

Face ID is available on numerous iPhone and iPad models.

Only one registered login can access Mobile Banking via Touch Authentication at any given time. If you would like to log into a separate account, toggle back to the standard login and enter the Login ID and password.

Set up Face ID on iPhone or iPad with complete instructions from Apple found here.

To set up Touch Authentication, you need to first activate your Touch ID. Go to Settings > Touch ID & Passcode > Enter passcode > Add a Fingerprint. Once you’ve added your fingerprint, log into the United Mobile Banking App. Go to Menu > Settings > Security Preferences. Switch Touch ID to the “On” position. Press “Continue.” Reenter your login credentials and press “Authorize.” Hold your finger over the home button to enable Touch Authentication.

Touch Authentication allows you to log into your Mobile Banking App with your fingerprint instead of a standard Login ID and password.

After changing your password, you must update Touch Authentication with this new password to continue using the feature. Navigate to ‘Settings’ > ‘Security Preferences’ page, toggle Fingerprint to the ‘Off’ position and then switch it back “On”. Tap ‘Authorize’ to register your new password.

Only one registered login can access Mobile Banking via Touch Authentication at any given time. If you would like to log into a separate account, toggle back to the standard login and enter the Login ID and password.

It is encrypted and stored within your device. United Federal Credit Union and Mobile Banking do not have access to it.

Yes. You always have the option to login using your Login ID and password by selecting “Cancel” to return to the standard login screen.

Yes. Once enrolled in Touch Authentication, fingerprint sign in is activated. This means any fingerprint which is stored on the device can then be verified to sign into Mobile Banking.

Our systems check all members to see if they are eligible for Mobile Check Deposit access every day. If a membership no longer meets all the requirements for Mobile Check Deposit access then access is removed until that membership meets all requirements. If you believe this is in error, please contact Member Service Center.

Yes, mobile check deposit is available. Within the mobile banking app simply click the Mobile Deposit menu and follow the on-screen instructions.

This feature allows you to use the camera on your mobile device to capture check images and use them to make a deposit. The Mobile Deposit feature also displays the details and status of your checks as either pending or processed. Click here for more information on Mobile Check Deposit, including eligibility and fees.

Any check deposited through Mobile Check Deposit will follow the same procedure for fraud as those that were deposited via a teller or ATM.

A: Yes. You may deposit into a Quick linked account as long as it is an eligible account.

An eligible item is an original paper check that is payable to you, and is within the meaning of a “check” as defined in Federal Reserve Regulation CC and United’s deposit guidelines. Please see terms and conditions for a full list of ineligible items.

The Mobile Check Deposit application will check the picture for quality. If the quality is poor, the application will ask you to retake the picture. Simply select the image displayed, this should launch the camera function and allow you to take a new picture of the item.

Yes. Please see our Mobile Check Deposit Terms and Conditions for details on check holds which is found on our Policies & Disclosures page.

No. The photo of your Mobile Check Deposit will not be stored on your mobile device.

Yes. Please endorse all checks with your signature and print “For eDeposit Only at United” on all checks.

No. You can only make deposits of eligible items to those accounts that you have access to through your normal online/mobile banking site.

No. Please contact our Member Service Center immediately at (888) 982-1400 to report any errors or discrepancies.

Mobile Check Deposit works on most iPhone® and Android™ phones, but not every mobile device supports the feature. A device’s operating system and capabilities affect the overall user experience. The devices/features that deliver maximum performance of our mobile apps are:

• Operating Systems: Apple iOS (version 10.0+) or Android OS (version 6.0+)
• Camera Specs: Rear-facing, auto focus, 5+ megapixel resolution for mobile remote deposit capture (RDC). Devices without a rear-facing camera will not support mobile RDC.
• Connectivity: 4G LTE / Wi-Fi

We ask that you retain the check in a secure location for 120 days. In the event that the image of your check cannot be processed, we may ask for the original item. After 120 days, the original check should be shredded. Do not attempt to re-deposit successful items as this will cause items to be returned NSF which could be subject to fees.

Yes. Each mobile deposit is limited to $5,000 per check and the total daily limit is $5,000 per Business Day per eligible account. Each mobile deposit will count toward the limit for the Business Day on which the mobile deposit is received.

The Mobile Check Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.

Below is our general funds availability policy for the Service:

If one or more items are transmitted before the Cut-Off Time:

• Up to $500.00, per day, is available when the item(s) has been reviewed and approved, which occurs when the status of the item is “Accepted” and the description of the item is “Your check has been accepted and processed”;
• Anything greater than $500.00 but less than or equal to $5,000.00, per day, is available on the second (2) Business Day after the item(s) has been reviewed and approved; and
• Anything greater than $5,000.00, per day, is available on the seventh (7) Business Day after the item(s) has been reviewed and approved.

You can deposit as many checks as you’d like up to the deposit limit. However, you can only deposit one check at a time.

Yes. You access Mobile Check Deposit through United’s Mobile Banking app, which uses encryption similar to Digital Banking to keep your information secure and confidential. United’s Mobile Banking applications do not store any confidential information on your phone.

If your deposit was accepted prior to 8:00 p.m. your deposit will generally be available to you the next business day. Deposits made after 8 p.m., or on weekends or holidays, will generally be processed the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

You can use Mobile Check Deposit 24 hours a day, including weekends and holidays.

You must first download our Mobile App on your Compatible Mobile Device in order to access the Service. You must have at least one account with us that is eligible for the Service.

To qualify for the Service, you must meet eligibility criteria as dictated by us including, but not limited to, the following:

• You are a trust or 18 years of age or older;
• Your share or loan accounts have not created an unrecoverable economic loss to us;
• You must be current on all of your loans with us;
• You must bring your share accounts to a positive balance at least once every thirty (30) days or less;
• You must have had a total of less than six (6) transactions returned for nonsufficient funds (“NSF”) in the last twelve (12) months; and
• You must have had less than three (3) returned deposit items in the last twelve (12) months.

To make a mobile check deposit please follow these steps:

• Log into United's Mobile Banking app and select Mobile Deposit from the menu
• Select the account where you wish to deposit your check
• Enter the amount of the check
• Tap “Capture Front” to take a picture of the front of the check
• Then, tap “Capture Back” to take a picture of the back of the check
• Verify your deposit information and scroll down to submit the deposit

With Mobile Check Deposit, you can make a deposit anytime, anywhere! Save yourself a trip to the branch or ATM by depositing checks with your phone, even after hours, simply by taking a picture. It’s easy, safe and the most convenient way to deposit checks. Make deposits anytime, anywhere.