FAQs

Setting up direct deposit is easy! If your employer offers Direct Deposit services, simply provide them our routing number (2724-7654-3) and the 10-digit electronic account number (found at the bottom middle of your UMCU checks).

This is not available at this time, but stay tuned for updates!

This self-service option is not available at this time.

This is not available at this time.

Click the "Enroll" button at the top of the Online Banking page. You will be asked to enter your 6-digit base account number and personal identifying information. After your personal identifying information is verified, you will be taken through a series of steps to set up a username, password, security questions, security picture, and security phrase. Upon completion of these steps, you will have immediate access to online banking.

You can also watch this step-by-step video tutorial that will guide your through the enrollment process!

Your base account number is rooted in your electronic account number. If you take the final 7 digits of the electronic account number, drop the final digit and you will have your base account number.

Your base account number for Vic is derived from your full 10-digit account number and is typically 4 to 6 digits long. To identify it from your checking, remove the first digit '8' and any zeros that follow, as well as the final digit of the account number. The remaining digits in between represent your base account number.

*The Bold Numbers indicate your base account number to provide to Vic.

See the examples below to determine how to identify your account number from your checking account. 8001234567 → Base Account is 123456
000234567 → Base Account is 23456
000034567 → Base Account is 3456

See the example below to determine how to identify your account number from your savings account.
0000234567 → Base Account is 23456

Once your account is 30 days old, you can take advantage of the "Manage Payees" tool in your Online Banking Portal or mobile app. To get started, choose "External Account Payee". You will need to submit the name of your external bank or credit union, the account number, and the routing number. Over the next 1-2 business days, you will see two small deposits into your external account.

You will then return to the UMCU Online Banking Portal or mobile app, where you will enter in the amounts of those small deposits to verify. At that point, you're all set.
Please note: once you're properly linked, these transfers have no fees and can take 1-2 business days. Click here to watch a helpful video tutorial on this topic!

We have branches across southeast Michigan including Ann Arbor, metro Detroit, Ypsilanti, and Flint!
To find the nearest branch or ATM near you, visit our locations page.

Notary service is available at all UMCU branch locations. Notary service is free for UMCU members and $10 for non-UMCU members.
You can schedule your notary appointment here by selecting “Services”, then “Notary” from the list of options.

You have multiple options to complete payments from an external source! Including:

• If you have an external account linked to your online or mobile banking, you can use the "Transfers & Payments" tab to authorize the transfer.

• You can visit any UMCU branch and provide the account and routing number of your external account so we can set it up for you.

• You can call us at 734-662-8200 and one of our Contact Center Representatives can complete a transfer form with you through DocuSign™.

• You can send us a secure message via the "Messages & Alerts" tab in the Online Banking Portal or mobile app and write us a "New Message" requesting a transfer form to be sent to you.

• You can visit or call your external institution and provide your UMCU account/loan information with our routing number and complete the transfer with them.