What is the difference between my actual balance and my available balance?
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.
Are my funds federally insured?
Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.
What is Regulation D?
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.
How do I remove a joint owner from my account?
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.
How do I change my name on my account?
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.
How can I change my address?
You can update your address through eBanking, by phoning our Contact Center at 877.254.9328 or in person at any Branch.
What are the minimum balance requirements for UNIFY Checking and Savings Accounts?
Visit our rate sheet for current minimum balance requirements.
How can I make deposits to my account?
You can make deposits in person, by mail or by ATM. You can also make deposits conveniently through payroll deduction or Direct Deposit.
How can I withdraw money?
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.
Can I continue to use my existing checks with a different Routing and Transit Number?
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.
How do I put a stop payment on a check?
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.
Who do I call if my checks are stolen?
If you discover your checks have been lost or stolen, please phone our Contact Center at 877.254.9328.
Can I order personal checks online? What types of check styles do you offer?
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.
How long will it take to receive my checks?
It usually takes between seven to ten business days to receive personal checks. Rush delivery methods are available for a nominal fee.
What is UNIFY's Routing Transit Number?
The Credit Union's routing transit number is 322079719.