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

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
  • External Transfers –  ability to send and receive funds to accounts outside of United Financial CU.
  • 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. 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 be a minimum of 8 characters and contain at least 3 of the following:

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

To enroll in this service click here.

If you are signing in for the very first time, please enter your account number {in the Username spot} and the last four of your SSN {in the Password spot}.

View a How To Video here.

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

  • Check Balances
  • Mobile Check Deposit
  • Pay Bills
  • Transfer Money
  • Locate surcharge free ATMs
  • Set up Account Text Alerts

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

Mobile Banking Terms and Conditions

Net Pay Online Bill Pay

The Ultimate Bill Payment Service–

Sign up now for Net Pay! With this bill payment service, you can have your bills paid right out of your credit union account every month! There’s no need to buy stamps or run to the mail box at the last minute. You can pay an unlimited number of bills each month!

And that’s just the start. With Net Pay you never have to worry about missing a payment. That’s because you can:

  • Automate recurring payments
  • Receive helpful email or text reminders when payments are due
  • View the due date and amount of upcoming bills right on your dashboard with eBill
  • Gift Checks – are for anyone who wants to send a check for a special occasion without the hassle of envelopes and stamps. Learn More Here.
  • Pay using your Amazon Alexa with Voice Pay.   Learn more about Voice Pay Here.

Click here for a FREE Demo!

Sign up now and receive a free 90-day introductory period. Cost is $4.95 a month after introductory period. If you have Direct Deposit it is FREE!!

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

If you have any problems with a Net Pay payment please call 1-877-374-2198.


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.

View a How To Video here.

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
  • Changes to your online account
  • Certificate/Loan information
  • and many more

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!

Download an Instructional Brochure Here

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.