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UFCU Mobile Banking is an app that you can download to your Apple® or Android™ device. With Mobile Banking, you can deposit checks, view your account balances and activity, transfer funds, pay bills, pay your mortgage, and more.
UFCU does not charge for Mobile Banking. Note that your mobile-service provider might charge for data usage or text alerts.
Yes! UFCU Mobile Banking stores no account data on your mobile device. The app times out when your device is not in use, and a password is required to access functions. For added security, you can set up account alerts and/or biometric authentication. If your phone is ever lost or stolen, we can disable the service on your device.
Yes, a data plan or WIFI is required for Mobile Banking. Having a data plan is the most reliable way to access the app on the go. Contact your mobile-service provider for information about data plans.
Yes, you can register to use UFCU Mobile Banking even if you are not enrolled in Online Banking.
No. During registration for Mobile Banking, you must create a new login ID and password. Normally, you can set them to match your Online Banking login ID and password.
UFCU Mobile Banking displays a maximum of one year of account-history information. You can choose to view activity for one month, three months, six months, or 12 months in the past. The app lists the most recent activity first.
Yes, you can view pending transactions in your accounts and credit cards. To help with point-of-purchase decisions, you can also see your current and available balances.
Yes, you can set up or edit payments. You can also add new payees, edit existing payees, and view bill-pay history.
On the login page and within the app, the bottom toolbar shows a location finder. Or after logging in, you can tap the Menu icon and select Locations.
Yes, you will be logged out if your device enters sleep mode or if you move away from the app for five minutes. As a security measure, you must log in again to use the app.
Express View is an optional feature that allows you to see a snapshot of your account balances and activity without logging in to the Mobile Banking app. This feature is secure and convenient if you frequently check your balance. If your device itself is secured with a password or other method, only you can view your balances. Even if someone were to gain access to your phone, no account numbers or actions are available through Express View.
UFCU Mobile Banking is available to download on these mobile devices: iPhone®, iPad® products, Android™ smartphones, and Android tablets.
No problem. Simply restore your applications and settings, if the new phone allows this. Otherwise, download the UFCU application again from the app store. Your Mobile Banking login ID and password will still work.
Contact your mobile service provider to end service immediately if you believe that someone has gained access to your device. Then, contact us so that we can disable Mobile Banking on that device for added peace of mind.
Yes, you can access multiple accounts through Mobile Banking. Each account requires a separate enrollment and a unique login ID.
Yes, you can download UFCU Mobile Banking on each device. Log in with the login ID and password that you created during enrollment.
On the Mobile Banking login page, tap Forgot Password or Forgot Login ID. In both cases, we send recovery information to the Primary Member’s email on file with UFCU.
We email you a temporary password if you are enrolling for the first time or use the Forgot Password link in Mobile Banking. The temporary password is sent to the contact information on file for the Primary Member. After you log in with the temporary password, you are guided through the process of creating a new password to replace the old one. The app guides you through a few more steps if you use Face ID, Touch ID, or Fingerprint ID.
You must use the temporary password within four hours after we send it. After that, it expires, and you must request a new one from us. A temporary password works only once.
Contact Member Services for assistance.
Yes, you can set up Mobile Banking to use Touch ID® and Face ID® on most Apple devices and Android Fingerprint ID on Android devices.
First, enable Touch ID, Face ID, or Fingerprint ID on your device. The first time you log in, UFCU Mobile Banking asks if you would like to enable the service. If you are already using the app, you can tap the Menu icon, then select Settings then User Settings to enable the feature that you want. For Face ID, you must allow the app to access your device’s camera.
You can set up biometric login access for only one account at a time. We recommend setting this up for the account that you will access most often. You can switch biometrics to a different account by setting the current biometric-enabled account back to the standard login.
UFCU Mobile Deposit is a quick and secure way to deposit checks into your account. With UFCU Mobile Banking, you can take a photo of your check, enter the check information, and submit your deposit for processing.
After you log in to UFCU Mobile Banking, tap Mobile Deposit. Review and accept the terms and conditions, then follow the prompts to deposit your check.
There is currently no charge associated with this service.
Mobile Deposit only works with an Android mobile device or an iPhone. Older iPhones and devices without a camera are not supported. Your device’s camera must have auto focus and not fixed focus.
Before taking the photo, sign the back of your check and write the phrase, “For Mobile Deposit Only”.
Place the check face-up on a flat, evenly lit, solid color surface. Tap Front to display the frame. Mobile Deposit automatically focuses and takes a photo of your check after it is properly aligned. Turn the check over and tap Back to display the frame. Align the check and wait for the app to take the photo. Type the dollars-and-cents amount that is on the check face (Mobile Deposit inserts the decimal). Submit and confirm your deposit.
If Mobile Deposit is taking an unusually long time to capture your check, verify that check is on a dark surface in bright light. Adjust your device’s distance from the check to fill the camera frame. If it still doesn’t take the photo, tap the button on the frame screen to manually take the photo. Verify that the images are clear before submitting the check.
Your current deposit limits are displayed in the app when you start a mobile deposit.
Successfully submitting your check triggers the deposit process, which varies in length. In some cases we may need to hold your check for review prior to depositing it in your account. All Mobile Deposits are subject to our Funds Availability policy. View your deposit history to see your deposit status.
After logging in to Mobile Banking, select Mobile Deposit. The app displays two options: Deposit and History. Tap History.
Funds deposited through UFCU Mobile Deposit are processed like all other deposits, so they are subject to our Funds Availability Policy.
After successfully submitting a deposit with Mobile Deposit, keep the check in a safe place for at least ten days. After that, destroy it.
CardKeeper® helps to protect your UFCU debit, credit, and Ability® cards from fraud. With this feature, you can temporarily block card activity then unblock it when you need to use the card. The CardKeeper feature also allows you to add travel notices so that your cards remain available to you during trips.
Any Mobile Banking user with an active UFCU debit, credit, or Ability card can use CardKeeper.
To block your card, log into Mobile Banking and tap CardKeeper. Locate the correct card by tapping arrows to scroll through the list, if you have multiple cards. Tap Temporarily Block Card, then tap Submit.
To unblock your card, repeat these steps, except tap Temporarily Unblock Card. Remember to block your card again after use for continued protection.
Yes! We encourage anyone whose card is lost or stolen to block the card immediately to reduce the chance of a fraudulent transaction.
If your card is blocked, the transaction will be declined. The best approach is to use your mobile device to unblock the card, if you can. Otherwise, a Member Services Representative can unblock it if you contact us during business hours. After your card is unblocked, you can request that the transaction be resubmitted for authorization.
No. At this time, if you’d like to activate a card or change your PIN, call us at (512) 467-8080 in Austin, (409) 797-3300 in Galveston, or US toll-free at (800) 252-8311.
Log in to Mobile Banking, then tap CardKeeper. Select to set a travel notice for a Debit, Ability, or Credit card type. Tap Travel Notice. Select out-of-state or international travel, then select the card to which the notice applies. Enter the start and end dates of your travel. Add your destination. Tap Submit.
Yes, you can add multiple travel destinations by selecting +Add Destination. You must add each destination separately, along with dates for each.
Travel notices are usually processed on the following business day, so please try to submit them in advance.