Payment Services

Make all the right money moves with digital payments


Mobile Wallets

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

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Pay Securely

Mobile wallets protect your card information by using a unique digital code that is not shared with online or retail merchants.

Easy Access All Over

Mobile wallets are accepted in many locations, including stores and restaurants. Just tap your smartphone where you see your applicable mobile wallet logo or reader at checkout. You can look for the mobile wallet logo when shopping online, too. 

Send and receive money with Zelle®

Zelle® is a fast, safe, and easy way to send money to friends, family, and other people you trust, regardless of where they bank. Whether you’re paying rent, gifting money, or splitting the bill, Zelle® has you covered.¹

Enrollment information:

  • Log into 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.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Enrollment in eBanking required.

Get up to speed on the easiest way to send money by visiting our UNIFY Zelle® page.

Learn More about Zelle®

Speedpay – quick and convenient loan payments

Pay your loan your way – via the web, phone, or your digital wallet.

Use Speedpay to set up a one-time payment from your UNIFY credit or debit card, or your account at another financial institution.

  • Pay up to 14 days in advance
  • Payments processed the same day before cutoff time (4:45 PM PT)

Enroll in Speedpay

Additional Speedpay Features

MoBills (mobile payment)

Once your Speedpay profile is created, you can add each of your UNIFY loans to your Apple® or Google Wallet®. Request push notification reminders for payments due up to five days in advance.

Interactive Voice Response (IVR)

Choose this option if you prefer to make your loan payments by phone. Call 866.851.9232/English; 866.851.9243/Spanish.

Questions? We are happy to assist or help you enroll in Speedpay. Call us at 877.254.9328, available 24/7.


Need a short break from paying your loan? Use Skip-a-Pay to defer one monthly payment on your UNIFY Vehicle Loan, Personal Loan, or Debt Consolidation Loan. 


Interested? Log in or enroll in eBanking to get started. Of course, you can always visit one of our local branches or call us 24/7 at 877.254.9328.



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.

¹U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

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


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Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you