Checking, Savings, & Credit Cards Assistance

Checking

Student Checking is a free checking account designed specifically for college students. The account is always free with eStatements, and you can get started with an opening deposit of just $25. Open an account today.
Overdraft Protection gives you peace of mind should you accidentally overdraw your account. When in force, this protection ensures that overdrafts — including Debit/ATM transactions that exceed your available balance — are covered by another approved source of funds. Here’s how it works. You select which accounts and which order you want us to use when accessing your other funds. For example, you can set the overdraft to pull from your savings account first and then your credit card. Call us to learn more about Overdraft Protection at 866.873.4968. We also offer Courtesy Pay as an additional option to minimize the inconvenience and cost associated with overages. With Courtesy Pay, we can cover overdrafts on checks, ATM withdrawals and Debit Card transactions.  Please note that Courtesy Pay is not available on Debit/ATM transactions unless you opt in for this protection. To set up Courtesy Pay Coverage for Debit/ATM transactions, log in to Online Banking, select the Secure Forms link and select the Overdraft Protection form.

Debit & Credit Cards

All credit card payments are due on the 5th of each month.
Our credit card billing cycle ends on the 9th of each month.
If your credit card is lost or stolen, please call us immediately at 866.873.4968 (available 24 hours a day). Outside the United States, call + 812.647.9794. You may also report your card lost or stolen using Card Management in Online or Mobile Banking.
Debit Cards:
  • Daily ATM cash withdrawal limit is $810.00
  • ATM and PIN-based Point of Sale transactions daily limit is $1,510.00
  • Additionally, the standard daily limit for signature or credit transactions is $5,010.00
Daily ATM cash withdrawal limits are as follows: Debit cards:
  • Daily ATM cash withdrawal limit is $810.00
  • ATM and PIN-based Point of Sale transactions daily limit is $1,510.00
  • Additionally, the standard daily limit for signature or credit transactions is $5,010.00
ATM cards:
  • Daily ATM cash withdrawal limit is $610.00
Thank you for notifying us about your travel plans before you leave! Simply complete the Travel Notification Form under Secure Forms in Online Banking or call us at 866.873.4968. We use a sophisticated fraud monitoring system that tracks unusual spending habits or geographic patterns. By letting us know about your travel plans ahead of time, we can make sure your card is ready and available for your trip.
You can make an advance from your USECU Credit card to your USECU Checking account by making a transfer. You can do this by:
  • Online Banking
  • Mobile Banking
  • Telephone Banking
  • Calling us at 866.873.4968
  • Visiting one of our branches
The fastest way to get a replacement card is to visit any USECU branch. Our instant-issue technology allows us to provide credit and debit cards on the spot in just minutes. The replacement card fee is $5. To receive a replacement card by mail, you may request a new card using Card Management in Online or Mobile Banking, or you can call us at 866.873.4968.
Your approved credit limit is available in Online Banking. Click on your credit card name, then the See Account Details link.
There are several ways to get a cash advance from your credit card. You can:
  • Withdraw cash from over 30,000 surcharge-free CO-OP ATMs
  • Transfer funds from your credit card to your USECU Checking account in Online Banking
  • Visit any financial institution that accepts Mastercard.  Note: A fee may apply from the other institution
  • Visit a nearby USECU branch
  • Call 866.873.4968
We make it easy to change or reset your PIN. As long as you know the current PIN, you can make this change at any USECU ATM or by phone: Not sure of your PIN? Visit any USECU branch to instantly change your PIN or call 866.873.4968 to receive a new PIN by mail.
You can request a change in your credit card limit by visiting any USECU branch or calling 866.873.4968.  Increasing your credit limit isn't automatic and is subject to approval.
You may cancel your debit or credit card using Card Management in Online or Mobile Banking. You can also call us at 866.873.4968 or visit a local USECU branch.
Yes! Card Management makes it easy for you to take charge of your card, 24/7 through USE Credit Union Online Banking or our Mobile App. You can:
  • Temporarily turn your card off or on – perfect for when you think you might have misplaced the card, since you can instantly turn it back on when you locate the card.
  • Report a card lost or stolen – it’s the simplest way ever to report your card as lost or stolen and prevent unauthorized use.
  • Replace a card – with a few clicks or taps, your new card will be on its way to you.
  • Set card limits – puts you in control of your card’s ATM or daily spending limits.
  • Cancel a card – if you no longer want the card, this is a hassle-free way to close the card permanently.
Call our Card Activation Line at 877.723.5999 from the phone number listed on your account. If you need personal assistance activating your card, please call us at 866.873.4968.
Yes! All USECU Credit card accountholders earn unlimited purchase rewards redeemable for travel, electronics, household items, sporting goods, gift cards, and even cash back! Visit the USECU Platinum Card Rewards website Dreampoints or call 866.678.5189 to manage your points.
Yes! Credit card statements are available in Online Banking by selecting the eDocuments tab. Up to 18 statement periods are available for your convenience. Please note, statements are only archived electronically from the time you enroll in Online Banking. If you need statement copies from a period not available online, please use the Statement Copy Request form in the Secure Forms section of Online Banking. Your request may be subject to a $3 statement fee.
Yes! Your debit card is designed to work at over 30 million ATM and merchant locations worldwide, subject to a 1% currency transaction fee. If you are planning to travel, please contact us at 866.873.4968 so we can add travel notes to your account.
Mastercard requires cardholders to make a good-faith attempt to resolve disputes with the merchant before proceeding with a claim. If that doesn’t work, please complete a Cardholder Dispute Form under Secure Forms in Online Banking. You may also reach out to us at 866.873.4968 or visit one of our branches, and we’ll proceed with a dispute claim on your behalf.

Fees

We're committed to keeping our accounts competitive and reasonably priced. Learn more about the fees associated with specific accounts and services in this Fee Schedule (PDF).

Mastercard® SecureCode

Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers. SecureCode is offered as a one-time-password/PIN (OTP) and is delivered to you via SMS. This OTP is generated by your issuing bank and is required every time you transact online at a merchant that also provides the service.
Once you've registered and created your own private SecureCode, you'll be prompted to enter your code when you shop with a participating online merchant. Your SecureCode will be quickly confirmed by your financial institution and your purchase will be complete. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.
If you forget your code, you may be prompted to reset it, or you can contact the customer service number for your financial institution, which is typically found on the back of your card.
Mastercard Identity Check is our new and improved payment authentication program based on the payment industry specification - EMV 3-D Secure. SecureCode customers are encouraged to transition to Identity Check to take full advantage of the superior program benefits. As the transition takes place, you will progressively see Identity Check information replacing SecureCode.

Other Checking & Savings

We make it easy to locate all of your account information in Online or Mobile Banking. Simply click here to log in to Online Banking, click on your Account Name, then Account Details. Your ACH Number is your member number. Or, you can call us at 866.873.4968. We’re happy to help!
USECU offers competitive rates on both deposits and loans. Visit our Rates Page for more information. View Rates on Your Accounts You can view your rates online by logging in to Online Banking, selecting the specific account name, and navigating to the History page. Under your Balance, select the See Account Details link to view the rate for that account. Note: If you need interest rate information about a home loan, please contact us at 866.873.4968.
We recommend using Online Banking to place a stop payment. Simply complete the Stop Payment Form under the Secured Forms tab to initiate your request. Need to stop a payment marked "Pending?" Select the Cancel link associated with the payment in the Pending Payments section of Bill Pay. Please note: Due to the way payments are processed, the attempt to stop transactions marked "In Process" may not be successful. Payments marked "Completed" cannot be stopped.
To set up a payer direct deposit relationship, please complete our Direct Deposit Form and submit it to your employer, state or federal agency, or to another entity that pays you on a regular basis. If you're using a different direct deposit form, please be sure to enter our Routing and Transit Number: 322281691.
The fastest way to order checks is through Online Banking. Select the Additional Services tab, then the Check Reorder link. You can also reorder checks directly through the Harland Clarke Website using the reorder coupon found in your checkbook. For security reasons, checks can only be ordered online if your information has not changed. If you need to update your name, address, or phone number or to check the status of your check order, call us at 866.873.4968.
You can make a deposit one of the following ways: Mail your deposit with a deposit slip. USE Credit Union, P.O. Box 881109, San Diego, CA 92168.
You can view up to 18 consecutive months of statements using Online Banking. Select the eStatements tab to find the statement period you need. Past statements are available from the date of your eStatement enrollment through your current statement. If you need statement copies not available through Online Banking, please use the Statement Copy Request form in Online Banking. There is a $3 processing fee for each statement requested and you should receive your order within 7-10 business days.
The most convenient way to obtain a copy of a check is to access check images through Online Banking. Another option is to complete the Check Copy Request in Online Banking Secured Forms.
To close an account, please call 866.873.4968 or visit a local USECU branch. You can also mail a notarized letter to: USE Credit Union, 10120 Pacific Heights Blvd., Suite 100, San Diego, CA 92121.
Accounts become dormant after 12 months of inactivity.  If you'd like to reactivate your account, give us a call at 866.873.4968 and we'll be glad to help. Keep in mind that if your account remains dormant for more than three years, any funds on deposit will be escheated (handed over) to the California State Controller's office for further disposition.
Holds can occur for a number of reasons:
  • Deposits may be held due to our Funds Availability Policy.
  • Charges on your USECU Debit Mastercard® are held at the time of merchant authorization and generally post to your account 1-3 days later.
  • Additional holds may be due to garnishments, levies or other court orders.
Have questions about a specific account hold? Call us 24/7 at 866.873.4968 or visit your local USECU branch for more information.
Federal Regulation D places a monthly limit on the number of withdrawals or transfers you can make from your Savings account or Money Market accounts without you being physically present during the transfer or withdrawal. Transactions affected by this regulation therefore include:
  • Withdrawals/transfers made through Online Banking
  • Telephone withdrawals/transfers (automated telephone banking system and oral or email requests handled by the Member Service Center)
  • Overdraft Protection withdrawals/transfer
  • Pre-authorized, automatic or recurring transfers including ACH and electronic debits
Per Regulation D, you're allowed six such withdrawals/transfers per month.
Your Share Draft or MICR number is at the bottom of your checks.  You can also see it within Online Banking or the Mobile App.
  1. Select the name of your account
  2. Select Account Details
Tax-related documents such as 1099-INT, 1099-R, 1099-Q, 1098, and 5498 are mailed by January 31 each year.  Form 1099 is not issued if your combined interest from all accounts is less than $10.  Corrections or reprints are mailed by February 1 each year. If you have questions about your personal tax documents, please call 866.873.4968.
Statements are typically mailed every 30-90 days, depending on the account type.  The statement cut-off date for deposit accounts is at the end of each month. If you signed up for eStatements, the statement is delivered electronically and is available through Online Banking for your review.
Current balance shows the balance that's updated every time a transaction actually posts through a deposit or withdrawal.  This amount does not reflect holds or pending transactions. Available balance is the portion of your balance that's available for use.  It's the current balance minus any holds or pending debits.
USE Credit Union offers a variety of checking and savings accounts designed to meet your specific needs. Learn more about our deposit accounts to find out which one is the best fit. Free Checking with eStatements is the centerpiece of your banking relationship, giving you convenient access to your money at over 30,000 surcharge-free ATMs and 6,700 credit union branches nationwide. Your account includes free Online and Mobile Banking, plus free Mobile Check Deposit. We offer accounts for sole proprietors and organizations, too. Visit one of our local branches to open your business account. To view the Deposit Account and Services Agreement, click here. Open your new account today. Mobile and data rates apply when using Mobile Banking.
To ensure the accuracy and security of your account information when changing beneficiaries, please visit your nearby USECU branch or contact us at 866.873.4968.
Adding someone to your account can be accomplished quickly and easily at your nearest USECU branch. Both parties -- current and prospective co-owner -- must visit a USECU branch and provide valid, government-issued personal identification. If you have questions or would like to mail required documentation, please call 866.873.4968.
Premier Checking is our full-featured account and automatically includes many services important to seniors, including monthly dividends.  The monthly fee is waived for members 55 years of age or older. Open an account today.
If you live or work in one of the counties we serve—or you're affiliated through your school or workplace—you're eligible for membership. You can join USECU if you meet any of the following criteria:
  • You live, work or worship in the California counties of Alameda, Sacramento, San Diego, Santa Clara or Yolo
  • You're employed by the State of California, including all administrative offices of the state
  • You're an employee, student or Alumni of the University of California or California University system
  • You're a retired employee of the State of California or the University of California System
  • You're employed by or a member of an affiliated Select Employee Group (SEG)
  • You're immediate family of a USE Credit Union member or persons living in the same residence with a member and maintaining a single economic unit
Here's what you need to get started. To streamline the application process, please have the following information available for yourself and any joint applicants.
  • Valid, unexpired, government-issued ID (state-issued driver’s license, state ID or military ID)
  • Physical address (and a previous home address if you have lived at your current home address less than two years)
  • Social security number
  • Email address
  • Credit or debit card or a US checking account number and routing number to make your initial deposit.
Ready to join? Just Apply Online or visit one of our branch locations.

Savings

The short answer is — it depends. A broad range of investment options — including term certificates — are permitted in an Individual Retirement Account (IRA), and many experts recommend keeping at least some of your retirement savings in safe, federally-insured investments like Term Certificates. We recommend you check with your tax advisor and USECU Financial Consultant to see how Term Certificates might fit within your overall retirement plan.
Yes! A broad range of investment options — including term certificates — are permitted in an Individual Retirement Account (IRA), and many experts recommend keeping at least some of your retirement savings in safe, federally-insured investments like Term Certificates. We recommend you check with your tax advisor and USECU Financial Consultant to see how Term Certificates might fit within your overall retirement plan.
It’s easy! If you’re already a member, simply give us a call at 866.873.4968. Not yet a member? You’ll need to join the Credit Union before opening your certificate account. Click here to get the ball rolling, or call us at 866.873.4968. We’re here to help!
Yes, there is a penalty to withdraw from a Term Certificate prior to its maturity date.
  • For terms 12 months or less: 90 days’ worth of dividends.
  • For terms 13 months or greater: 180 days’ worth of dividends.
Yes! An IRA or Individual Retirement Account is a great tax-deferred, retirement savings tool. Please visit Retirement Central to review more information, including Traditional and Roth IRAs as well as education accounts. Retirement Central also provides access to additional planning tools and helpful information regarding retirement at various life stages.
No, we do not offer health savings accounts.
Yes! Our dividend-paying Youth Savings account is designed for our younger savers and teaches kids about money. The minimum opening balance is $25.
Yes! Our Holiday Savings can be opened with as little as $5, and additional deposits can be made at any time. The balance in your account will be transferred into your regular checking or savings on November 1 each year. (If you need your money sooner, the account will be closed and accrued dividends will be forfeited.)