Frequently Asked Questions (FAQs)

The actual balance is the total amount of funds in your account. This amount does not reflect pending transactions, which have not fully processed and cleared your account — the available balance does. Your available balance is the amount that can be accessed for transactions.

You should only make transactions against your available balance. If you exceed your available balance, even though the actual balance may be greater, you may overdraw your account. An overdraw can result in returned transactions and fees due to non-sufficient funds.

For more information how transactions are processed including the order and timeframe in which they are paid, please see our Funds Availability Policy in the Membership Booklet.

To check your available balance, log in to eBanking or call us at 877.254.9328, available 24/7.

Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.

Regulation D is a federal regulation that limits the number of electronic transfers or checks from money market and savings accounts. Under Regulation D, a maximum of six transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM, in-branch or shared-branch transactions. Please Note: This is a regulation mandated by the federal government. This is not a Credit Union policy.

The joint owner can send a note instructing us to remove their name (signature notarized) or we can close your existing account by opening a new account and transferring funds.

Once you have changed your name with Social Security, please phone us. If you choose to add a joint owner, you can do so at the same time.

You can update your address through eBanking, by phoning our Contact Center at 877.254.9328 or in person at any Branch.

Visit our rate sheet for current minimum balance requirements.

You can make deposits in person, by mail or by ATM. You can also make deposits conveniently through payroll deduction or Direct Deposit.

You can make cash withdrawals in person at any Branch, CO-OP Shared Branch or ATM. If you have a UNIFY Checking Account or Money Market Account, you can withdraw money by writing checks.

If the routing transit number on the bottom left corner of your checks is 322281057, you may still continue to use them. Upon reorder, your new checks will reflect the routing transit number 322079719.

A stop payment request may be made via UNIFY's eBanking, through our Contact Center at 877.254.9328 or at any UNIFY Branch. A stop payment request made by telephone will expire in 14 days unless confirmed in writing within this same time period. A written stop payment request is valid for six months.

If you discover your checks have been lost or stolen, please phone our Contact Center at 877.254.9328.

After your initial order of checks, you can reorder your checks online. If you would like a brochure of check styles offered, phone our Contact Center at 877.254.9328.

It usually takes between seven to ten business days to receive personal checks. Rush delivery methods are available for a nominal fee.

The Credit Union's routing transit number is 322079719.

Visit our Applications/Forms page for printable and online applications and forms. Or, phone our Contact Center at 877.254.9328 or visit any UNIFY Branch.

The CO-OP Shared Branch allows you to access your UNIFY accounts at participating non-UNIFY branch locations nationwide. You can make deposits, withdraw cash, make loan payments, transfer funds between accounts and more. Learn more about the CO-OP Shared Branch and find a location near you.

Please view a complete listing of our branches for operating hours.

You simply need to provide your member number and a valid government-issued identification with photo and signature in a Branch. You can also conduct transactions through eBanking, our Contact Center and Automated Telephone Banking.

An ATM Card provides access to your Savings or Checking Account at ATMs or wherever the Interlink logo is found.

A Visa Debit Card is available to members with a UNIFY Checking Account. It is an ATM Card that provides access to your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere Visa Debit Cards are accepted. The purchase amounts are deducted from your Checking Account.

A Visa Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere Visa credit cards are accepted.

Approximately five to seven business days after we receive your application.

Yes, as long as he/she is a joint owner on your account.

If your card has been declined, please phone our 24-hour fraud monitoring center at 877.254.9328.

In the event any of your UNIFY Cards are lost or stolen, you can log in to eBanking and select Card Management to put an immediate stop to card activity. Locate Card Management in the Navigation menu and select > Manage Cards. Find the card in the drop-down list and switch the card off. You can complete this simple process from any desktop or mobile device.

If you prefer, or do not use eBanking, you can also please call one of the following numbers for immediate action:

• ATM Cards or Visa Debit Cards, phone: 877.254.9328
• Visa Credit Cards, phone: 877.254.9328
• After business hours or holidays, phone: 888.297.0223
• Outside the US, phone: 410.581.9994

Visa Debit and Credit Cards offer zero liability fraud protection for unauthorized charges as well as dispute resolution options. For unauthorized use of your ATM Card, you will not be responsible for more than $50 if reported within two business days of the loss. However, if you fail to report the loss within two business days, the loss could be up to $500. If you fail to report an unauthorized transfer within 60 days of receiving your statement, you could be responsible for the total loss.

Yes, deposits made at UNIFY ATMs may have a 2-day hold placed on them; however, the first $100 of your deposit will be available immediately. Deposits at non-UNIFY ATMs may have up to a 5-day hold placed on them.

For assistance with your particular situation, please phone our Contact Center at 877.254.9328.

Please be aware, the amount is based on the pre-determined daily limit of each financial institution. UNIFY card holders can currently withdraw $525 daily. Other financial institutions have limits for their card holders that may be higher or lower than this amount. UNIFY ATMs will dispense up to the daily cash limit of each individual financial institution.

To use this service call 800.347.2837.

Automated Telephone Banking is available 24/7.

Yes, by requiring all members to enter an access code (PIN), Automated Telephone Banking provides a safe environment for conducting transactions.

You can sign up for Automated Telephone Banking by visiting a UNIFY Branch or phoning our Contact Center at 877.254.9328.

Yes, there is an Automated Telephone Banking Quick Reference Guide.

To change your access code (PIN), please phone 800.347.2837, select "7" from the Main Menu, "2" for Change Preferences and "1" to Change your access code (PIN), or you may phone our Contact Center at 877.254.9328.

All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date.

A total of six electronic withdrawals or transfers per month are allowed from all Savings and Money Market Accounts. However, unlimited withdrawals and transfers can be made through an ATM or in person at a UNIFY Branch or a shared-branch.

1. Call 800.347.2837
2. Enter your member number followed by the # sign
3. Enter your UNIFY access code (PIN) followed by the # sign

This refers to the number assigned to each account type. For example, #1 for Savings and #2 for Checking. View our Automated Telephone Banking Quick Reference Guide for more information.

No, you can apply for a loan online and by phone without being a member, however, you must be eligible for membership. Prior to the loan being funded, you will need to establish UNIFY membership and a Savings Account.

• Apply online; available 24 hours a day; receive an instant response.
• Apply by phone: 877.254.9328.
• Phone our Contact Center to have an application mailed to you: 877.254.9328.
• Visit a local Branch.

There are no fees involved when applying for a UNIFY consumer loan.

You must be employed or have a verifiable source of income, the ability to repay the debt and a stable credit history.

We require copies of your tax returns from the two most recent years.

No, you can pay off any UNIFY consumer loan without incurring a prepayment penalty.

Yes, our loans are available to members residing in any of the 50 US states and territories.

If you apply using our online loan application, you can get an instant response. Using other application methods, you will usually have an answer the same day.

If you are requesting a UNIFY Visa or Personal Loan, funding can usually take place the same day provided all required documents are received and signed. Vehicle Loan funding, depending on the type of purchase, can generally be completed the same day provided all appropriate documents are received and signed.

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions. Learn more about Direct Deposit.

UNIFY's routing and transit number is: 322079719.

Yes, you can request direct deposit funds to be distributed to an unlimited number of UNIFY accounts on which you are a joint owner or co-borrower. Simply complete our Direct Deposit Form.

The distributions will take place when we receive your direct deposit. This usually takes two pay periods to begin.

Your funds will be deposited immediately.

You need a Username and Password. For first time log-in and to establish a Username and Password, select the Register link in bottom grey area at eBanking.UnifyFCU.com.

Your password may not be working if you have had three or more invalid attempts. Please phone our Contact Center at 877.254.9328 or select “Forgot Password?” on the Login page to reset your Password.

Yes. Login to eBanking and select Profile > Security Preferences from the Navigation menu  “Change Password” or “Change Login ID.”

Yes. Login to eBanking and select Profile from the Navigation menu. From here, you can update your email and postal address as well as phone numbers.

Login to eBanking and select eServices > Reorder Checks from the Navigation menu. Select your account and follow the easy instructions.

Login to UNIFY's eBanking, select eServices > Stop Payment from the Navigation Menu and follow the simple instructions.

Yes, UNIFY uses the highest levels of online security to safeguard your information. Our Security Center offers more information on How We Protect You and ways to Protect Yourself Against Fraud.

UNIFY's ePay is a FREE service for members with a UNIFY Checking Account. To sign up, you must be an eBanking user.

Simply login to eBanking to start using FREE ePay.

You may phone our Contact Center at 877.254.9328 or email us.

A credit union is not-for-profit financial cooperative that is formed by people with a common bond. Credit unions are owned and operated by the members it serves. Members of credit unions pool their assets to provide loans and other financial services to each other.

Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank's depositors. Credit unions are not-for-profit organizations that were founded on the idea of "people helping people". They are member-owned and exist to serve their members, with a volunteer board of directors.

If you are an employee of one of the companies in our Field of Membership, you are eligible to join UNIFY. Learn more about UNIFY's Membership Eligibility.

If you are an immediate family member or a household family member of an existing UNIFY member, you are also eligible for UNIFY membership.

Household family members: Persons living in the same residence, maintaining a single economic unit.

Once a UNIFY member, always a UNIFY member! We can also help you transfer your direct deposit, 401k or any other products or services associated with your ex-employer. Simply phone our Contact Center at 877.254.9328.

Yes, a minimum deposit of $5 is required to establish your membership at UNIFY.

Provided we have all necessary documents, processing normally takes just one or two business days upon receiving your application.

Contact our Business Development Department at 877.254.9328, extension 2161, or 310.381.2161 or email us.

A pre-qualification is not a full mortgage approval, but an estimation of what you can afford. The loan officer collects basic financial information regarding your income, monthly debts, credit history and assets, then uses this information to calculate an estimated mortgage loan amount for you. There is no cost involved and there is no commitment on either side.

A pre-approval is a comprehensive decision using the same basic financial information as well as an electronic credit report. Pre-approvals, in most cases, are not guaranteed commitments. The Credit Union tentatively commits to financing your home and indicates the total mortgage loan amount available to you.

A pre-approval is good for a maximum of 60 days, without having to complete a second review of your credit, verification of employment, verification of deposits, property value, etc.

Mortgage discount points allow you to lower your interest rate. They are prepaid interest with each point equaling 1% of the loan amount.

The Loan to Value (LTV) is the outstanding loan amount divided by the appraised property value or purchase price, whichever is less.

Private Mortgage Insurance (PMI) is required on mortgages financed at above 80% Loan to Value (LTV) and protects the lender from loss through default. The cost is based on the specified LTV premium multiplied by the Loan Amount, divided by 12.

Your first mortgage payment is usually 30 days after closing. The actual date of your first payment will be included in your closing documents.

• Apply Online or at a UNIFY branch
• A UNIFY Mortgage Representative will review process your information and respond with a decision within three business days from the date of your application.
• Once pre-approved, a Conditional Preapproval Packet will be sent to you through a secured email for your signature. The packet includes a checklist of information and/or documents required to continue the processing of your application.
• Sign and return the pre-approval packet documents along with the required documentation requested.
• A UNIFY Mortgage Representative will process your information and keep you apprised of the progress of your application.
• The approximate processing time is 30 to 45 business days.

To expedite the mortgage loan process, have the following items available:

• Information on all assets—401(k), cash deposits, Term Certificates, etc.
• W-2s from the last two years.
• Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income).
• Long-term debt information (credit cards, child support, auto loans, installment debt, etc.).
• Two most recent pay stubs.

For refinancing, you will also need the following:

• Most recent mortgage loan statement.
• Copy of your current homeowner's insurance policy.

UNIFY's routing transit number is: 322079719. It is the first nine digits on the bottom of your check.

To email UNIFY, please use our secure online email form or login to eBanking and send us a message from our Message Center to ensure the privacy of your information. Unsecure emails are not protected and your information may be compromised.

Phone UNIFY immediately at 877.254.9328. Our Security Center offers information on Identity Theft and what to do if you think you're a victim. You can also learn more about how to Protect Yourself Against Fraud.