eSERVICES and eBANKING

Connect your way! You can access UNIFY’s FREE online banking system, eBanking, by desktop, on a mobile device, or using 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!

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. 

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.

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.

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 

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!

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 is a service in eBanking, which gives you the ability to send money, using your UNIFY Debit Card, 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.

Need a short break from your loan payment? Use Skip-a-Pay to defer the equivalent of a monthly payment on UNIFY Vehicle or Personal Loan you have. Access Skip-a-Pay conveniently and securely through eBanking.

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 six 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 (including no prior deferments) at least 12 months before the first skip payment request
• Skip payment request needs to be made at least one calendar day before the next loan payment due date
• Requesting a loan skip payment will not impact your credit rating
• There is a $25 fee per loan skip payment requested

Getting Started

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

Questions about using Skip-a-Pay? Call us—we’re always here and happy to help.