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 in Online Banking?

  • 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.
  • Open a New Savings Account
  • Apply for  Loan
  • Change your address
  • Sign up for Account Alerts
  • Pay your bills with Bill Pay
  • View your statements

Learn more about our Digital Banking Platform here

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 between 8 – 20 characters and can contact special characters.

If you are enrolling as a new user you will need your account number, SSN and an email and phone number. You will use the same email and phone number that is on your account at United Financial CU.

Mobile Banking

United Financial Credit Union members can manage their accounts anytime and from anywhere, using our free Mobile Banking service.

United Financial Mobile App Features

To enroll in this service visit your app store.  Available on Android and Apple.

Mobile Banking Terms and Conditions

Net Pay Online Bill Pay

The Ultimate Bill Payment Service–

Sign up now for Bill 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
  • 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 Online Banking and then choose Bill 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 Online Banking, click on the E-Statement button on your Dashboard to enroll. 

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.

E-Mail Alerts

Use Account 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 Alerts!!

Account 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!

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.

As a first time user, you will need to enter your account number and full SSN. You will then set up a PIN for this service.