Online Banking
Easily manage your account around the clock
Manage Your Finances 24/7 with UMCU's Online Banking
Whether you‘re an early bird or a night owl, UMCU’s Online Banking portal allows you to manage your accounts anytime, day or night.
Follow our simple step-by-step guide, or watch our tutorial video to enroll in UMCU Online Banking in just a few minutes.
- Convenient Banking: From viewing balances to making payments, all your banking needs are at your fingertips
- Bill Pay: Manage all your bills from one central location
- Wire Transfers: Send and receive wire transfers safely
- Easily Monitor Your Funds: You can opt-in to receive push notifications and SMS alerts about account activity
- Send Secure Messages: Contact UMCU representatives directly through secure messages
FAQs
You'll need your base account number. Usually, it's 5 or 6 digits. To find your base account number, remove the 8 and 0's from the beginning of your account number as it appears on your checks. You'll also need to remove the last digit.
Example: 800123456 appears on your checks. Remove the 8 and 0's and the last digit. Your base account number would therefore be 12345.
For more information, see our Enrollment PDF here.
BAM is a security feature UMCU will utilize to verify your member identity when calling the Contact Center. BAM uses your face ID or fingerprint to allow access to the Mobile App.
A UMCU Representative may ask you to allow for a push notification to be sent to your smart device during a call or secure message exchange.
You may need to re-add your biometric information if you cleared your cache or got a new phone. To enable BAM, click here to view our instruction PDF.
There are several things you can do to regain access to your account. First, try using a different browser on your mobile device. If that doesn't work, try using our Mobile App instead of a browser. If you cannot access your account, please call our Contact Center at 800-968-8628 and a team member will assist you.
An internal transfer allows you to move funds between your accounts at UMCU. All it takes is a few easy steps. Check out our video tutorial!
External transfers can be used to make payments and move funds between your UMCU account and your other financial institutions.
Note: new accounts have a waiting period of 30 days before external transfers are permitted. Additionally, after enrolling in Online Banking, there's a 24-hour waiting period before you can make external transfers.
Absolutely! To initiate a payment to another financial institution, you'll need UMCU's routing number - 272476543 - as well as your account number.
View step-by-step instructions on making an external transfer here.
The Family & Friends feature in digital banking is a convenient way to transfer funds between personal accounts and business accounts at UMCU. As the admin of your business account, you can add or remove friends and family members who also have individual accounts with UMCU.