To make a bill payment, you can either choose a common payee from the Add a Payee section in Online Banking or enter the payee manually in the field labeled "Enter person or business." Key in your account number as it appears on your bill. If you are paying a private party, enter the address where you want us to mail the payment. Then select "Add payee." You can choose to set up a one-time payment or adjust it to a recurring payment for the date and frequency of your choice. To set up a recurring payment, simply select on the options tab associated with the specific payee, and you can find “Automatic payments” on the left hand side.
You are limited to a maximum of $10,000 per transaction, and $20,000 daily through Bill Pay.
Bill Pay items begin processing 2-5 days before the date that payments are scheduled to be delivered. Payees who can receive electronic payments have shorter lead times than those who only accept payments by mail.
You can either choose from a list of common payees from the Add a Payee section or enter the payee yourself in the field labeled Enter Person or Business. Key in your account number as it appears on your bill, and if you are paying a private party, enter the address where you want us to mail the payment. Then click Add Payee.
If you want to correct a Bill Pay entry, you'll need to cancel the existing payment and create a new Bill Pay reflecting the changes you need. Items that are marked as pending or complete cannot be canceled. To cancel a Bill Pay item, click the "X" next to the item, then confirm the cancellation when prompted. Note, if the Bill Pay is pending, you can place a stop payment on that item by calling 866.873.4968. A stop payment fee of $28.00 will be assessed.
You can delete a bill payment company by selecting the Options link under the bill payment company, selecting "Delete it" under "Not paying this anymore?” and finally selecting "Yes Delete."
If some of your payee information has changed, or you would like to update your payee nickname, you can edit it from within the Account Information tab in the Options window. The steps are as follows:
- Locate the payee that needs to be updated in your list and select on its corresponding Options button.
- Select the Account Information tab from the navigation on the left hand side of the Options window.
- Update the information in the Account Number, Category, Nickname, and Phone fields as needed. If we don’t already have a payment relationship with the payee, you will be able to update the Address fields as well.
If you decide that you no longer want the card, you can cancel it permanently in Card Management. Please remember, though, that this feature closes the card permanently. If your card has been lost, stolen, or used fraudulently, please use the Report Lost/Stolen Card option instead. If you have already cancelled your card and would like to request a new card, please give us a call at 866.873.4968.
Your card comes with upper limits on daily ATM withdrawals and daily spending. In Card Management you can adjust those limits if, for example, you’re trying to keep to a specific daily budget. On debit cards, you can adjust the ATM withdrawal limit and daily card spending limit. On credit cards, you can adjust the daily card spending limit – remember, that limit does not reflect your available credit. These limits will stay in place until you come back and adjust them. Want to raise your current limits? Give us a call at 866.873.4968.
If your card is damaged, it may not work properly so you should request a replacement which will arrive within 7-10 business days. Your card number will remain the same, but there will be a new expiration date. Remember, your current card will remain active until you activate your replacement card. You should also replace your card if it’s been lost or stolen. If that happens, you can easily prevent fraudulent use by using Card Management to report the card as lost or stolen.
Simply go to Card Management and click on the Report Lost/Stolen tab. This will prevent any further fraudulent use of the card. If you see fraudulent charges on the account, please complete a Cardholder Dispute Form - Fraud under Secure Forms in Online Banking. Or just give us a call at 866.873.4968.
Yes. All authorized users on an account have their own card numbers, so they can continue to use their cards even when another card on the account is turned off.
The lock takes effect immediately, and new purchases, cash advances and balance transfers are blocked.
A card stays turned off until the primary cardholder returns to Card Management to turn it back on.
Turning off your card protects your account if you’ve misplaced your card or think it may have been stolen. When you find the card, simply turn it back on in Card Management and you can begin using it right away.
When you turn the card off, it’s immediately locked and new purchases, cash advances and balance transfers are blocked. This way, if the card falls into the wrong hands, fraudulent purchases can be prevented. When you find the card, simply turn it back on in Card Management. If it doesn’t turn up, be sure to use Card Management to report the card as lost or stolen.
Digital Receipts is a great new feature in the USECU mobile app that makes it easy to upload and organize your paper and email receipts. It makes tracking your spending a breeze, because you can search, sort and tag receipts according to categories you create, and export the receipts in various file formats for use in budgeting or money management. You can even set reminders, so you never miss a deadline for product returns and warranty claims.
Digital Receipts is available only in the USECU mobile app. Simply log in to the app, access the “More” menu and then tap “Digital Receipts.”
The quality of the image is key, so it’s a good idea to quickly preview the image before completing the upload. To ensure you get a high quality image of your paper receipt, make sure it’s flattened and placed on a dark surface in a well-lit area. Also make sure you capture the entire receipt in the photo and that the text/print is legible. If certain details are not uploaded correctly, you can easily make edits to the receipt data by swiping left on the receipt from the Receipt List and then tapping the “Edit” button.
Digital Receipts has a solution for long receipts – simply take a photo of the top section in manual mode and then tap the ‘Add Section’ button to add the rest. When you add sections of long receipts, the bottom of the previously captured section is visible, making it easy to remember where the next section should begin. Simply repeat this process as many times as needed and all sections will be stitched together to form a single receipt image.
To have email receipts automatically uploaded to the app, you’ll first need to set up a unique Receipt Email ID (email address) by clicking ‘Create Receipt Email’ from the app landing page. You can then provide this email address when you make in-store or online purchases. If you have a receipt sent to your personal email, simply forward it to your Receipt Email ID to have it automatically uploaded. NOTE: There is no inbox for your Receipt Email ID – it’s just a personal ID used solely for collecting electronic receipts.
Yes! When you tap the Add Receipt button on the landing page (‘+’) you will see the option to select a photo from your phone’s photo gallery – this will appear at the bottom left of your screen on an iPhone or in the top menu bar on an Android device.
Notes and tags are only visible in ‘Edit’ mode. Click on a receipt then select the ‘Edit’ button from the bottom menu bar to view, add, and edit notes and tags.
No problem! First, make sure you’ve captured the best possible image by flattening the receipt and taking the shot on a dark surface in a well-lit area. If the layout of the receipt or print quality prevent an accurate upload, you can easily edit the total, add a tip, or update the merchant name by clicking the ‘Edit” button from the bottom menu bar when viewing the receipt.
Receipts can be exported from the app to an Excel file, CSV file, or PDF document, which can then be shared as an attachment via email or text message. From your Receipt List, swipe left on the receipt you’d like to export, select “Export” and choose the file type, and then select ‘View Recent’ exports on the popup window. Then select the file you’d like to share and the method you’d like to use to send it.
That’s a glitch in the app, but we’re hard at work getting it fixed -- stay tuned! In the meantime, you can still view the enhanced receipt on your Android device and view/edit the extracted data from the original image.
With External Account Transfers, you can move money between accounts at different financial institutions owned by the same person. This service is sometimes referred to as A2A (account to account) or M2M (me to me). Checking, Savings, and Money Market accounts are eligible for External Account Transfers from USECU. External Brokerage accounts are available for transfers as well. A few other points to be aware of:
- You can make a one-time future-dated or recurring transfer to a personal checking or savings account at most financial institutions in the United States.
- Generally, transfers are credited to the other institution within one to two business days.
- There is a $6,000 per day limit on the transfer amount. The daily limit for Next Day transfers is $5,000.
- You will need the Routing Transit Number and the account number at the financial institution receiving the ACH credit.
Our Mobile App offers most of the features of Online Banking, plus you can deposit paper checks with the convenient Mobile Deposit feature:
- Check balances
- View transactions
- View check images
- Make transfers
- Pay bills
- Make deposits
With our Mobile Deposit feature, you can quickly and conveniently deposit paper checks using your smartphone or tablet. You’re going to love it! Simply log into the app, select Check Deposit and follow the on-screen prompts. You’ll take a picture of the front of your check and another of your endorsement on the back. To finalize the deposit, you’ll verify the amount of the deposit. That’s all there is to it! We recommend that you retain the paper check for 30 days or until it has cleared the issuer's financial institution.
The deposit limit for Mobile Deposit is $5,000 per check with a maximum of $5,000 per day.
Endorse your check for Mobile Deposit as: "For USECU Mobile Deposit Only." Make sure to include your signature. We recommend that you retain the paper check for 30 days until it has cleared the issuer's financial institution.
From the Additional Services tab in Online Banking, select Alerts & Notifications. Indicate which alert you would like to deactivate and uncheck the box for Text Alerts, or click Delete for Email Alerts. Want push notifications? Log into your USECU Mobile Banking App and tap More, Settings and Push Notifications.
To use Samsung Pay, get the Samsung Pay app, touch “add,” and take a photo of your Mastercard. Scan your fingerprint or your eye, or select a PIN, to authenticate your purchases in the future. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.
To use Google Pay, download the app from Google Play™ or check to see if it’s already installed on your phone. Add your USECU Mastercard to the app, and you’re good to go. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.
To get started on your Apple® device, open the Wallet App, tap the blue plus, and follow the prompts to add your USECU Mastercard. If you’re asked to verify your card, call us at 866.873.4968, and we’ll provide a verification form in Online Banking. Visit our Mobile Wallet page to learn more.
Money Management is an enhanced digital banking experience that provides easier access to all your accounts in Online and Mobile Banking. Money Management allows you to:
- Know your finances: See all of your accounts, including those with other financial institutions
- Track your budget: Bubble charts help you understand the relative health of your budgets instantly
- Watch your spending: Every transaction is automatically categorized so you can spend smarter
Log in to Online Banking, go to the Manage Money tab and select Money Management. — or if you prefer, log in to our Mobile App, tap More and select Money Management.
All of your deposit, savings and loan accounts with USECU will automatically be pulled into Money Management.
If you are a member of USECU, register here for Online Banking.
To reset your Online Banking password, use the Forgotten Password Feature and follow the prompts.
Current eStatement users have access to all personal tax documents through Online Banking. Log in to Online Banking, select the eDocument tab and you will be able to view all tax forms. Year-to-date tax information may also be found in Online Banking from the My Account tab by selecting the account name and clicking the Account Details link.
USECU has teamed up with TurboTax. The My TurboTax link is in Online Banking under the Additional Services tab.
To enroll in eStatements, log in to Online Banking and follow these steps:
- Select on the eDocuments tab
- Select on Enroll/Un-enroll
- Check off the box marked Electronic
- Select Submit
- Select My Settings
- Select Enroll/Un-Enroll
- Select Paper
- Select Submit
We make it easy to download transactions to your own computer. Click on your account, then Export in the top right of your screen. Choose the file type and click Export. You can also automatically import your account information into Quicken by using that software's Direct Connect feature. If you don't know your USECU username and password to link your Online Banking via Quicken, call us at 866.873.4968.
You can find Secure Forms by logging into Online Banking from our USE Credit Union homepage and navigating to the Secure Forms drop-down menu.
To view the cross member account, click on the Move Money tab, select Transfer, then select Make a Transfer. You will see the other member's account listed as an option in the To Account field.