Virtual Branch | Mobile Banking | Net Pay Online Bill Pay | E-Statements | E-Mail Alerts | US 24 Teller

Virtual Branch Online Banking

Use your computer to access your United Financial account information! It’s totally FREE and is accessible 24 hours, 7 days a week!

What can I do on Virtual Branch?

  • Check your account balances
  • Loan, Savings or Checking account history
  • Account transfers – transfer money between your accounts or transfer money to another account at United Financial Credit Union
  • Change your address
  • Sign up for E-Mail Alerts
  • Pay your bills with Net Pay
  • View your statements

Security and Peace of Mind

We place importance on the security of your accounts. You will be assigned a PIN and a Password, we encourage you to change the password when first logging on and periodically thereafter. Only authorized users should have access to your online account. In addition, all account information is encrypted to provide you with top of the line security.

Password Requirements

Your Password for Virtual Branch Online Banking must contain:

  • Minimum 8 characters
  • At least one upper-case letter
  • At least one lower-case letter
  • At least one number
  • At least one special character: @, #, $, %, &, | or _

Visit our website to enroll your account in Virtual Branch.

Mobile Banking

United Financial Credit Union members can manage their accounts anytime and from anywhere, using our free Mobile Banking service. Once you are enrolled in Virtual Branch Online Banking, you will be able to access our Mobile Banking app on your phone or tablet.

United Financial Mobile App Features

To enroll in this service visit your app store.
*To access Mobile Banking, you will also need to be enrolled in Virtual Branch Online Banking.

Business Net Pay

Our Business Net Pay solution not only helps businesses pay their bills; it helps them manage their resources. If your business is striving for paperless organization, then Business Net Pay can offer you that same control over employee deposits, account summaries, and tax administration.

Business Net Pay features these tools to help you manage your resources:

  • Multiple-User access
  • Single/Recurring Payments
  • Payment/Deposit History
  • Tax Administration
  • Manage Accounts
  • Schedule Deposits
  • Customized Audit Reports
  • Account Summary
  • And much more!

Click here to access Business Net Pay or to view the Free Demo

To enroll in this service just log into your Virtual Branch, click on Online Services and then choose Net Pay to set up.

Try it for FREE for the first 90 days.
Monthly cost of $5.95 a month.
Free for Business PLUS Checking Members.

*Business Checking and Community Group Checking Members can have Net Pay Fee waived if they meet one of the following requirements – Has Direct Deposit, Merchant Card Processing with United Financial CU or a Business Loan $30,000 or higher balance. 


Would you like to balance your checkbook a little earlier or find out what dividends have been paid to your account? You can receive your monthly statements electronically on the first of the month. You can view your statements by logging into your Virtual Branch account.

You can:

  • Print and view your statement at your convenience
  • Able to view previous statements
  • This is a safer way to receive your statements and will reduce your paper clutter!
  • Best of all it’s FREE!!

To enroll in this free service just log into your Virtual Branch, click on Online Services and then choose E-Statements to sign up.

Once you sign up for E-Statements you must log on and view at least one statement. This will STOP your paper statements from coming in the mail.  All business accounts will receive Free Electronic Statements. If you would like to receive a Paper Statement, there will be a fee of $3.00 a month.

E-Mail Alerts

Use Email Alerts to monitor your accounts!!

Have you ever wished that you could be notified before your checking account runs out of money? Or, that you could be reminded when your direct deposit posts to your account? You can with United Financial E-Mail Alerts!!

E-Mail Alerts are a good way to prevent accidental overdrafts and they can also help you reduce the risk of fraud by notifying you of withdrawals from your account!

Available Alerts:

  • Direct Deposit notice
  • Overdraft or NSF notices
  • Debit Card Transactions
  • Low or High account balance
  • Promotional E-Mails
  • Certificate/Loan information

To enroll in this free service just log into your Virtual Branch, click on Online Services and then choose Member Alerts to set up your Alerts.

US 24 Telephone Teller

Use a touch-tone telephone from anyplace to access your United Financial account information! You can hear your account balances, transfer money, find out what transactions have cleared and so much more. It is totally FREE and is accessible 24 hours, 7 days a week!

How Does U.S. 24 Work?

After entering your account number and personal identification code the system will ask for an account or inquiry transaction code. Follow the voice prompts from there by using the share or loan types and symbols to conduct your transactions.

To enroll in this service speak call 989.777.3620 ex 1.
To access for the first time; enter your account number and when instructed for a PIN enter the last 4 digits of your SSN. You will then set up a new PIN, that you will use going forward.