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UFCU Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or financial center.
UFCU Mobile Banking is available via three different channels:
There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
Yes, UFCU Mobile Banking utilizes best practices, such as HTTPS, 256-bit SSL encryption, or password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your phone is lost or stolen, the service can be immediately disabled by visiting our Mobile Banking Center at mbank.ufcu.org/enroll or calling us
To review UFCU Mobile Banking terms and conditions, visit our Mobile Banking Center at mbank.ufcu.org/enroll or view from your mobile device.
Yes. A text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.
Yes, you can register to use UFCU Mobile Banking even if you have not previously enrolled to use Online Banking.
No. During registration you will create a new User ID and password for your UFCU Mobile Banking account.
UFCU Mobile Banking will store up to 90 days of account history information.
No. This feature is not available. However, you are able to view both your "Current Balance" and "Available Balance" within UFCU Mobile Banking.
You can schedule Bill Payments using UFCU Mobile Banking. However, you cannot create new payees using UFCU Mobile Banking; all payees must be created through Online Banking.
Click the Menu button and choose "Locations". To find a financial center or ATM locations enter a zip code or address. To find one near you, click the left Target button . To narrow your search click the right Tool Button .
Yes. More than five (5) minutes of inactivity will result in a time out, and you will need to sign-in again.
UFCU Mobile Banking is supported on most mobile devices with a mobile web browser that supports cookies. In addition, the mobile application is available to download on many mobile devices: iPhone, iPad, Android smartphones, and Android tablets.
After successful activation, go to the Mobile Banking URL, mbank.ufcu.org. You can visit the site at any time.
We recommend the following steps for an optimal experience:
If you get a new phone or change phone numbers, visit our UFCU Mobile Banking Center, mbank.ufcu.org/enroll, to remove your old phone and re-enroll your new phone.
If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, visit our UFCU Mobile Banking Center, mbank.ufcu.org/enroll, and disable or remove your phone
To manage, add a device or enroll in text banking visit our Mobile Banking Center at mbank.ufcu.org/enroll
Yes. You are able to access multiple accounts from your mobile device. However, you will need to visit our Mobile Banking Center at mbank.ufcu.org/enroll, and register each account to that mobile device with different user id’s and phone numbers.
Yes. Visit our Mobile Banking Center at mbank.ufcu.org/enroll and select 'Add Phone.'
Activation is a one-time process that helps ensure your security.
If you are enrolling in UFCU Text Banking an activation code will be issued to you at our Mobile Banking Center, mbank.ufcu.org/enroll. You will need to enter this code on your device to begin text banking. We recommend you print your activation code and installation instructions for easy reference during installation.
Your activation code will expire after 24 hours. If you need a new one, return to the UFCU Mobile Banking Center, mbank.ufcu.org/enroll, and request a new activation code.
At the time of activation, a "cookie" is stored on your phone's browser which allows the UFCU Mobile Banking system to remember that you are activated. The cookie is only visible by the UFCU Mobile Banking system and does not contain personal information. Some mobile devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your mobile device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone.
If you would like to reactivate, text R or RECOVER to 35760. If UFCU supports enrollment on your mobile phone, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.
Please click the "refresh" button located directly below the image to get a new one that will hopefully be easier to read.
The catpcha field is not case sensitive and you do not enter any spaces. Verify you are submitting a response which exactly matches the presented captcha.
IMPORTANT: The device owner must be the first user to sign in to Mobile Banking using Touch ID or passcode, and should register the primary account if there is more than one option.
The first time you log in to Mobile Banking after the update, you will be prompted with a Touch ID or passcode introduction screen. Follow the instructions on the screen.
For additional details regarding Apple Touch ID, Apple Passcode or Android Passcode, please visit the provider’s website.
The iOS Touch ID or iOS/Android passcode options can be found within the Mobile Banking menu options: Settings > Quick Access.
Open the app or go to mbank.ufcu.org/register and click “Forgot User ID or Password.”
When you receive this message it often means there is a mismatch between the user id and account number entered. For example: when you enrolled, you may have entered your account number with a leading zero, but omitted the leading zero when trying to reset your password. Please review the information entered for accuracy.
To change your UFCU Mobile Banking password sign in as usual at mbank.ufcu.org/register and select “Change Password.”
You are trying to log into Mobile Banking with an old user id. You will need to register and enroll your new account.
You may be receiving this issue because of cache stored on your device. You will need to clear the cache before proceeding with sign in:
For Android Users:
For iPhone Users:
No. You will be presented the option to remember your device after every successful login. If you select yes, you will only have to provide your UFCU Mobile Banking User ID and Password each time you use Mobile Banking.
This could be due to a default setting of your mobile device which automatically clears cookies after your session is over. If this does not work, please contact us for further troubleshooting.
UFCU Mobile Banking sign-in fields are case sensitive. Please verify the password and/or security questions exactly match your initial entries. If you need to reset your password you will need to re-register at mbank.ufcu.org/register.
UFCU Mobile Deposit is a convenient, easy way to deposit checks from your mobile device into one of your accounts. With the UFCU Mobile Banking application you can take a photo of your check, enter the check information and securely submit your deposit for processing.
There is currently no charge associated with this service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
If you are eligible to use UFCU Mobile Deposit you will see the “Deposit” tab after you sign in to use UFCU Mobile Banking. You must also have a deposit eligible account, such as a checking account, to use this feature.
You must have an Android mobile device or iPhone to use UFCU Mobile Deposit. Older iPhones and devices without a camera are not supported. Your device must also have an auto-focus camera. A fixed-focus camera is incapable of taking a clear enough image for check processing. Most low-cost Android phones have fixed-focus cameras (e.g. - Galaxy Note 2, Galaxy Centura). The iPod touch is not supported at this time.
You must also download and install the latest version of UFCU Mobile Banking to have access to the UFCU Mobile Deposit feature.
Before you begin, properly endorse your check. You should also place your check on a flat, dark surface with good lighting when taking the photo of your check.
Try to align the check image with the Camera viewfinder frame, capturing all four corners of the check. Be sure to take a photo of the check side that matches the helper text: “Front” or “Back” in the viewfinder.
No. Successfully submitting your check images with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Check your “Deposit History” to see your deposit status.
After successfully submitting a deposit with UFCU Mobile Deposit, it is advisable that you keep all original documents in a safe place for your personal records for a minimum of 4 business days.
Funds deposited through UFCU Mobile Deposit are processed like all other deposits and are subject to our Funds Availability Policy.
CardKeeper gives you the ultimate control over your UFCU Debit and/or ABILITY card(s) anywhere, anytime through Mobile Banking. For fraud prevention, peace of mind and protection, you can lock your card to disable the card’s ability to perform transactions. Transactions can always be re-enabled again simply by unlocking the card. Important note: CardKeeper only manages your UFCU debit and/or ABILITY cards. This feature does not manage any credit cards.
When you place the card in “lock mode” it enables a special parameter in the authorization sequence that denies all transactions.
Note: Recurring transactions to the card (Cell Phone, Toll Tags, Subscription services, etc.) will also be denied when your card is in lock mode.
Anyone with Mobile Banking access and an active debit or ABILITY card can use CardKeeper. Just simply login and access CardKeeper through the left-hand navigation drawer for the smartphone application or the top navigation bar for the tablet application.
To lock or unlock your card, simply navigate to CardKeeper located in the left-hand navigation drawer or top navigation bar. Then tap the lock icon tap the lock icon that corresponds to the last four digits of your card. If you see a closed padlock, your card is locked and cannot perform any transactions. If the padlock shows open, your card is unlocked and can now perform transactions.
Absolutely! We encourage everyone whose card is lost or stolen to place that card in the lock mode immediately to prevent fraudulent transactions.
IMPORTANT. Since CardKeeper only controls a special parameter in the authorization sequence, we strongly advise you to continue to report your card(s) lost or stolen by calling our 24/7 toll-free at (866) 262-3885. To order a new card, please Contact Us during business hours.
If your card is in lock mode, the transaction will be declined. If you’re unable to unlock your card, you can Contact Us during business hours and our Member Service Representatives can unlock it for you. After your card is unlocked, you can have the transaction resubmitted for authorization.
No, at this time, if you’d like to activate a card, or change your PIN, call us at (512) 467-8080 in Austin, (409) 797-3300 in Galveston or US Toll-free at (800) 252-8311.
UFCU Text Banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.
All text messages should be sent to 46379
UFCU Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.
AT&T, Sprint, T-Mobile®, Verizon Wireless, Cricket, Google voice, U.S. Cellular®, MetroPCS, nTelos, Cellcom US, Carolina West US, CellSouth, Pioneer Wireless US, United Wireless, Appalachian Wireless, Element Mobile, MTA Communications, DTC Wireless US, Pine Cellular, Sagebrush Cellular USA, Chariton Valley Cellular, Bandwidth USA, Epic Touch USA, CTC Telecom Mosaic USA, Peoples Wireless USA, Duet IP Wireless Communications Venture USA, RINA USA, Siwireless USA, MobiPCS USA, Layered Communications, Cellular One NE AZ USA, Alaska DigiTel, Bluegrass, Cell 1 East Cent IL, Illinois Valley, Immix, Inland, Nex Tech Wireless, ACS Alaska, Golden State US, Thumb Cellular US, Viaero Wireless US, Plateau US, West Central WCC, iWireless, MTPCS, NW Missouri USA, Chat Mobility USA, SRT Wireless USA, SouthernLinc Wireless USA, AIO Wireless aka Jasper, Panhandle USA, Flat Wireless USA, Copper Valley USA, Cablevision USA, Leaco Rural Telephone USA, Union Wireless USA
Message and data rates my apply.
No. You will only receive messages when you specifically request them with one of the UFCU Text Banking commands or if you subscribe to Mobile Alerts.
To enroll in UFCU Text Banking visit our Mobile Banking Center at mbank.ufcu.org/enroll. You will find a screen that provides an activation code as well as the instructions for activating UFCU Text Banking. After completing the enrollment, you will need to log out and back in order to return to the UFCU Mobile Banking Center.
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure text messaging is enabled on your phone.
Yes. Visit the UFCU Mobile Banking Center, mbank.ufcu.org/enroll, and simply add another phone number.
NOTE: You can check for additional available commands by activating your phone and sending C to 46379.
Send S to 46379 to if you no longer wish to participate in UFCU Text Banking.
Send HE to 46379 for help. If you need further help, please call us at (512) 467-8080 in Austin, (409) 797-3300 in Galveston or US Toll-free at (800) 252-8311.
(Printable pocket reference in pdf format.)
To review UFCU Text Banking terms and conditions, visit our Mobile Banking Center at mbank.ufcu.org/enroll.