Manage all of your accounts from the convenience of your computer or smart phone!

Online and Mobile Banking

What is the digital banking system?

We think you will enjoy the convenience of:

  • Consistency across all devices – Same look and features between the desktop and mobile version
  • Logging in with two-factor authentication
  • Adding notes, tags, and pictures to your transactions
  • Easier access to debit cards and bill pay information
  • Easily chat securely with our team
  • Set up account alerts via email, phone and text
  • Ability to customize digital banking dashboard to fit your needs!

How To Videos

How to do an Online Check Deposit

How to Navigate your Dashboard

How to set up EStatements

Enrollment FAQs

How do I enroll in Digital Banking?

To enroll in Online Banking:

    • Click on the First Time User link in the Online Banking link on the website home page.
    • You will be asked to provide your Social Security number, member number, email address on file at the credit union, and phone number.
    • security code will be sent via SMS text to you.
    • Once received, enter the security code number.
    • Follow the on-screen instructions and you will be on your way to Digital Banking from any device.
Where can I get the Mobile App?

Download the new Digital Banking App at the:

Available August 1st!

I forgot my Digital Banking Password.
  • Depending upon your device, log in to our website on your desktop or open the mobile app:
    • Desktop Browser: Log in to and select Online Banking Log In and then select Forgot Username or Password
    • Mobile App: Open your app and select Forgot? Follow the onscreen prompts.
  • You may also contact Member Services at (989) 777-3620 for additional assistance.
Who can I call if I am having technical problems with Digital Banking?

Inside the Digital Banking App or when logged in via a desktop browser:

  • Select Support from the left menu and click Start a Conversation.
  • Or you may call us at (989) 777-3620
Can I receive two -factor authentication codes in more than one may or to more than one device?

You can add two-factor authentication for you and a joint member on your account. This is especially helpful if you have a joint owner on your account and need more than one phone number or email address to receive authentication codes.  To receive authentication codes via Voice, Text, Email, Authy, or an Authenticator app:

  1. Once logged into the Digital Banking, select Settings from your account profile (your name in the upper right on a browser or lower left using the Digital Banking app)
  2. Next, select Security.
  3. In the Two-factor Authentication box, select Edit Settings and a 2-step verification box will appear.
  4. Below Add another method, make your selection Voice or text, Email or set-up Authenticator app.
  5. If selecting Voice or text, you will enter a phone number leaving +1 in the country code. Select Voice or text.
  6. A code will be sent to your device. Enter code received and then select verify.  You’re all set.
  7. Next you will see multiple verification methods and you’ll select a primary method to receive codes.

Security FAQs

Is there a session time limit?

You will be logged out after 10 minutes of inactivity.

Are my Digital Banking transactions secure?

Yes. United Financial Credit Union provides secure financial services through a protocol known as the Secure Sockets Layer (SSL).

  • This protocol prevents other computers from eavesdropping by encrypting all data transmitted between our site and your computer.
  • The Secure Sockets Layer sends your browser a signed, non-forgeable, digital certificate to validate our site to you.

Transaction FAQs

How can I deposit checks without going to a branch or ATM?

You can deposits checks easily with Remote Deposit Capture. You will need to use the mobile app for this feature.

Step 1: Enroll your account for Remote Deposit
Step 2: Add the Remote Deposit “Card” to your dashboard for each access
Step 3: Deposit Your Check

How do I transfer to another financial institution using Digial Banking?

Select Transfers from the side navigation:

  • Select +External Transfer
  • Enter Account Name, Financial Institution Routing number & Account  number 
  • Select Account Type  – Checking or Savings 
  • Select Submit 
  • You will receive a notification with further instructions to verify the small micro-deposits by the date indicated in the message. Within 1 to 3 days, you will see the micro-deposits in your account.
  • Select OK. 
  • Once the micro-deposits appear in the external account (at the other institution), simply enter the amounts and select Confirm 
  • You are now able to transfer funds to an account at another/this institution’s account without completing this verification process each time.
Is it possible to transfer money from my account at the Credit Union to someone else's account at the Credit Union?

Yes, it is. Once in Digital Banking, from the dashboard:

  • Select Member Transfer
  • Select Account to transfer from
  • Enter Member name to transfer to
  • Enter Member # to transfer to (this is their 3 – 10 digit account number)
  • Enter Account Type to transfer to – Share or Loan
  • Enter Share or Loan #  (this will be a 4 digit share or loan #)
    • example – Savings = 0001   Checking = 0004 or 0040
  • Enter $ Amount
  • Click Submit
If another member transfers money into my account using Digital Banking, can they see my balance?

No, the person transferring the money to your account can not see any of your balances, transactions, or account history.

Can I print out a copy of my statement?

Yes. If you have already enrolled in E-Statements, begin by:

  • Select eDocuments from the left menu.
  • Select the document you wish to print or download.
  • Select View/Print and the document is downloaded to your device to view.
  • Select save or print.
Can I view a copy of my cleared check?

You can view copies of your cleared checks by:

  • Click on the Draft # in your account history.
  • Optional: You can Tag and or Add Notes
  • Next, select View the check image.
  • If needed, you can even click on Ask us about this transaction and begin a conversation or call us with all details needed ready and available.

Password FAQs

How do I change my Digital Banking Password?

Within Digital Banking, click on your account profile settings:

  • Desktop Browser: From the left menu, scroll to bottom and click on your profile (name). Click Settings.  Click Security.  Select Edit Password.  Follow the onscreen prompts.
  • Mobile App: Select the menu in the upper left of your mobile device.  At bottom of menu, click on your name.  Select Settings. Select Security. Select Change Password and follow the onscreen prompts.
I am locked out or forgot my Digital Banking password?

Depending upon your device, log in to our website on your desktop or open the mobile app:

  • Desktop Browser: Log in to and select Online Banking and then select Forgot Username or Password
  • Mobile App: Open your app and select Forgot? Follow the onscreen prompts.