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!

Your one-stop financial 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.

Make digital payments quickly and securely by linking your UNIFY Visa Credit or Debit Card to your smartphone mobile wallet.

Learn More About ApplePay 

Learn More About GooglePay

Learn More About Samsung Pay

Pay Securely

Making purchases using a mobile wallet protects your actual card information by using a unique digital code that is not shared with online or retail merchants. This means businesses cannot see or keep your credit or debit card number.

Easy Access All Over

Mobile wallet use is accepted in many locations; in stores, just tap your smartphone where you see your applicable mobile wallet logo or reader at checkout. Or, look for your mobile wallet logo when shopping by digital channels.

And, when you use your UNIFY Visa Credit or Debit Card with a mobile wallet, all the features of your card are available for added peace of mind.

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the United States and other countries. Google and Google Pay are registered trademarks of Google LLC. Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

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

Need a short break from your loan payment? Use Skip-a-Pay* to defer the equivalent of a monthly payment on your UNIFY Vehicle, 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 $35 fee per loan skip payment requested*

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.

Say Hello to Zelle®

Zelle® is the fast, safe and easy way to send and receive money with friends, family and others you trust.

Enrollment information: 
• Log in to eBanking or eMobile to begin enrollment.
• Use the “Send Money With Zelle®” link on the left-side navigation menu. 
• Select or open a UNIFY Checking Account to use Zelle®; all transactions with Zelle® will be done from this specific account. 
• Enrollment with Zelle® is connected to either a designated U.S. mobile phone number or email address; if you currently use Zelle® at another financial institution, you will need to choose a different identifier (U.S. mobile phone number or email address) to enroll at UNIFY. 
• To switch your identifier (U.S. mobile phone number or email address) from another financial institution to UNIFY, simply follow the prompt during enrollment and choose UNIFY as your linked account. 
• To receive money from another person using Zelle®, you need to be enrolled.
 
Get started today:  Log in or enroll to eBanking. 

To learn more about Zelle® , including  a brief video and FAQ guide, visit:  UnifyFCU.com/Zelle 

Get educated about best practices to keep your payment information safe when using Zelle® at: Paying It Safe With Zelle

Questions? Let us know how we can help at 877.254.9328, available 24/7.

^{Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license}.