FAQs

One-time security codes add an extra layer of security. Once enabled, every time you log in, a code will be sent to the email address on file. You will then enter this code into the Mobile App or Online Banking Portal. This helps prevent hackers from accessing your account.

You can message UMCU anytime via the Online Banking Portal or Mobile App. Click here to view step-by-step instructions.

See our instructional PDF here for step-by-step instructions on adding/removing people.

At this time, only current UMCU members are eligible to utilize the Family & Friends feature on business accounts.

The Family & Friends feature is a convenient way to transfer funds between personal accounts and business accounts at UMCU. As the admin of your business account, you can add or remove friends and family members who also have individual accounts with UMCU.

View step-by-step instructions on making an external transfer here.

Absolutely! To initiate a payment to another financial institution, you'll need UMCU's routing number - 272476543 - as well as your account number.

External transfers can be used to make payments and move funds between your UMCU account and other financial institutions. Note: new accounts have a waiting period of 30 days before external transfers are permitted. Additionally, after enrolling in Online Banking, there's a 24-hour waiting period before you can make external transfers.

An internal transfer allows you to move funds between your accounts at UMCU. All it takes is a few easy steps. Check out our video tutorial!

There are several things you can do to regain access to your account. First, try using a different browser on your mobile device. If that doesn't work, try using our Mobile App instead of a browser. If you cannot access your account, please call our Contact Center at 800-968-8628 and a team member will assist you.

You may need to re-add your biometric information if you cleared your cache or got a new phone. To enable BAM, click here to view our instruction PDF.

A UMCU Representative may ask you to allow for a push notification to be sent to your smart device during a call or secure message exchange.

BAM is a security feature UMCU will utilize to verify your member identity when calling the Contact Center. BAM uses your face ID or fingerprint to allow access to the Mobile App.

You'll need your base account number. Usually, it's 5 or 6 digits. To find your base account number, remove the 8 and 0's from the beginning of your account number as it appears on your checks. You'll also need to remove the last digit.

Example: 800123456 appears on your checks. Remove the 8 and 0's and the last digit Your base account number would be 12345.

For more information, see our Enrollment PDF here.

While UMCU debit cards do feature contactless payment, at this time, our credit cards do not. However, we are hoping to bring this technology to our credit cards in the near future so stay tuned!