eSERVICES and eBANKING

Connect your way! You can access UNIFY’s FREE online banking system, eBanking, from your desktop, mobile device, or in the UNIFY app. No matter how you choose to connect, you’ll have the power to:

Other eServices include: 

• FREE ePay
• eStatements
• eDeposits
• Card Management
• eAlerts
• eText Banking

3 Ways to EASY Access – You choose!

1. eBanking from a desktop device – Log in from your desktop device on our UnifyFCU.com homepage, or go directly to ebanking.UnifyFCU.com.
2. eMobile Banking from a mobile device – Follow the directions for #1, just from your mobile device.
3. UNIFY App – For even easier access, download our UNIFY app from either the Google Play Store or Apple’s App Store to your mobile device.  

It’s simple and free. 

1. Visit eBanking.UnifyFCU.com from a mobile or desktop device.
2. Select Register in the lower left corner.
3. Follow the instructions on the registration screen.

You’re on your way!

Introducing UNIFY’s NEW finance management tool, eBudget!

Wouldn’t it be great to link all your bank accounts, loans, credit cards and other financial accounts in one place? UNIFY’s NEW eBudget tool can do this and so much more!

UNIFY's eBudget tool allows you to budget and manage finances by aggregating accounts across multiple financial institutions all in one place, on any device. With eBudget you no longer need to leave the safety and familiarity of eBanking to monitor your accounts.

UNIFY MEMBERS
Already enrolled in eBanking? Log in to eBanking and give eBudget a spin. Wait, not enrolled in eBanking? That’s ok, there’s never been a better time to enroll.

NOT YET A MEMBER?
Now is the perfect time to join.

UNIFY Membership Required. Membership eligibility and account qualification requirements apply.

Pay bills from your desktop or mobile device anytime. Writing checks is a thing of the past. With ePay, pay your bills online and even schedule them ahead of time. 

Want to Enroll in ePay?

It’s simple and free. 

1. Log into eBanking.
2. Select ePay from the main navigation.
3. Follow the instructions provided to enroll.

You’re on your way!

Put the paper trails behind you. Opt to go paperless and not only save some trees, but get 24/7 access to your statement online.

Skip the trip to deposit checks. Download UNIFY’s App to your mobile device and tell your check to say “cheese”. Using the camera on your device, you can deposit checks by taking their picture.

Here's how:

1. Log in to eBanking from our UNIFY App
2. Select eServices in the main navigation.
3. Select eDeposits.
4. Capture the check image, front and back.
5. View the deposited check image in the Quick Actions sidebar on the eBanking homepage.

Transferring money in moments at your fingertips. Here’s how:

Card On/Off

Our Card On/Off feature, within eBanking, gives you the ability to deactivate and reactivate your UNIFY Credit and/or Debit Card as needed from either your desktop or mobile device. This can be helpful if you temporarily misplace your card, or know you won’t be using your card for an extended period of time. Please be aware when you choose to turn your credit and/or debit card “Off,” the following takes place:

• One-time debit/credit transactions will be declined at the point-of-sale.
• ATM transactions will be declined.
• Recurring transactions should continue to post as scheduled. However, if a merchant processes the transaction as a one-time transaction, and not recurring, the transaction will be declined. We recommend you check with the individual merchant if you have a question about stopping a recurring transaction.
• Pre-authorized transactions will continue to be posted and paid.
• Your checks, online transfers, bill payments, and other account transactions will continue to be paid.

If you misplace your card, then find it, you should confirm there have been no unauthorized transactions before turning the card back “On.”

Additional Card Management Features

• You can report your UNIFY Credit and/or Debit Card lost or stolen within eBanking.
• Submit a “Travel Notice” to tell us if you will be going to a different location with your card(s)—especially outside of the country.
• Request a cash increase if you know you’ll be spending more on your card(s) than usual.

How to use Card On/Off

Questions? Live Chat or send us Secure Message within eBanking or call 877.254.9328, available 24/7.

Who doesn’t need a little helper these days? With eAlerts, you can set up reminders for what matters to you most. 

• Stay on top of payments by setting reminders.
• Set up reminders for special days, such as birthdays or anniversaries. 
• Set up notifications to track account activity 

Here's how:

Not much of a talker? We get it. It‘s why we offer eText Banking. Just text commands to receive account information.  

• Get account balances
• Receive a text if your account falls below a certain dollar amount
• Transfer money between accounts

Want to Enroll in eText Banking?

It’s simple and free. 

1. Log into eBanking.
2. Select Profile from the main navigation.
3. Select eText Enrollment.
4. Follow the instructions provided to enroll.

You’re on your way!

Managing your account is now as simple as checking the time!

Love your iPhone app? Extend the experience to your wrist with the new UNIFY Mobile app for Apple Watch. Now, you can quickly view transactions, get account reminders, and manage spending—anytime, anywhere. Just another way UNIFY helps you CONNECT YOUR WAY®.

Download the UNIFY app to your Apple Watch

To add a new app to your Apple Watch, download it on your iPhone first. Then you can add it to your watch. Here's how to find our new app:

1. Open the Apple Watch app on your iPhone.
2. Tap the App Store tab.
3. Browse for apps. When you find the UNIFY Financial Credit Union app, get it! If the app doesn't automatically install, you might need to manually add it to your Apple Watch.

Apple, Apple Watch and iTunes are registered trademarks of Apple Inc.

Pay the modern way with Apple Pay®. Link your UNIFY Visa® Credit and Debit Card to Apple Pay and make secure, simple purchases in seconds. Your payments, your card information—both belong to you.

Want to set up Apple Pay on Your Device?

You’ll need an eligible Apple device, the latest version of iOS, and an Apple ID. Follow the Apple Pay Set Up instructions to get started.

Pay Securely

Leave the cards at home—with Apple Pay, you’re all set in seconds. Just put your finger on Touch ID on iPhone, or double click the side button on Apple Watch, and hold your device near the reader. Done and done.

And, since your card information is not shared with merchants, Apple Pay offers a safer, more private way to pay.

Where to use Apple Pay

You can use your UNIFY Visa Credit and Debit Card with Apple Pay at multiple participating merchants in stores, within apps and now on the web in Safari. Look for either of these symbols at checkout:

Apple Pay^® is a mobile digital payment service offered through Apple, Inc. This service allows you to pay for purchases using your Apple device at more than 200,000 participating merchants without swiping your UNIFY Visa Credit Card. You can also make payments in apps without entering payment information.

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc.

Visa^® is a registered trademark of VISA U.S.A. Inc.

Send Money—FAST!

PeoplePay, our easy, fast way to send money just like Zelle® or Venmo. You’ll find it inside eBanking. Send money to someone else quickly and conveniently. Whether you need to pay the babysitter, split trip costs with your best friend, or surprise a special someone with a little birthday cash—PeoplePay is the answer.

Benefits and More

• Send money to family, friends, and just about anyone else in minutes
• Access PeoplePay directly through eBanking or on mobile through the UNIFY App
• Store and easily access your contacts using the UNIFY App
• Money can be sent using your recipient’s email address or mobile phone number
• PeoplePay is secure and covered by the same online protection used for UNIFY’s eBanking and eMobile services

Sending Money

• When you use PeoplePay, your recipient will receive a message (through their email or mobile phone) that you have sent them money
• Your recipient enters their debit card information to receive your payment

NOTE: The debit card the recipient uses needs to be on the same processing network as the UNIFY Debit Card; if the recipient’s card is not in network, a message will be sent with instructions that to receive payment he/she will need to provide the routing and checking account numbers from their associated credit union or bank. Also, processing may take up to two days until the money is available.

Getting Started

1. To use PeoplePay, you’ll need a UNIFY Debit Card and a UNIFY Checking Account.
2. Log on to eBanking or the UNIFY App.
3. Select PeoplePay from the drop down menu and follow the instructions on each screen—you’re ready to go!

Try PeoplePay Today

Questions about using PeoplePay? Call 877.254.9328, 24/7.

We’re here and happy to help.

*PLEASE NOTE: In consideration of current impact due to the developing coronavirus (COVID-19) situation, we are temporarily removing the $25 fee per loan skip payment.

Need a short break from your loan payment? Use Skip-a-Pay* to defer the equivalent of a monthly payment on your UNIFY Vehicle, VISA^® Credit Card, Personal, or Debt Consolidation Loan. Access Skip-a-Pay conveniently and securely through eBanking, by phone at 877.254.9328 or visit us at a branch.

How to Use Skip-a-Pay

Value-Added Benefits

• Good to consider if you need some extra cash during a month
• Two skip payment requests can be made per rolling calendar year, per loan
• A total of eight skip payment requests can be made over the life of the loan

Information to Know

• Loan needs to have been funded and in good standing at least 6 months before the first skip payment request
• Skip payment request must be received before a late charge is assessed on the payment
• Requesting a loan skip payment will not impact your credit rating
• There is a $25 fee** per loan skip payment requested (Note: the $25 fee is temporarily waived)

Getting Started

eBanking – Log on or sign up for eBanking/eMobile:
     1. Navigate the drop-down menu
     2. Select Skip-a-Pay
     3. Follow the step-by-step instructions

Visit Us – UnifyFCU.com/locations

Call us 24/7, 877.254.9328

*See Skip-a-Pay Disclosure for eligibility, terms, conditions, and exclusions.
**In consideration of current impact due to the developing coronavirus (COVID-19) situation, we are temporarily removing the $25 fee per loan skip payment.