UFCU Direct Internet Banking
Bill Payment

Whom can I pay?
You can pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier. Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

Can I pay a loan I have with the Credit Union today?
Yes.  Payments made to Ukrainian Federal Credit Union are made by transferring from your share account to the loan account.  If you have not asked for your loan to be accessible through online banking, contact the credit union and we will help you set that up.  Transfer payments such as these are made immediately upon logging out of online banking.

How come my UFCU loan payment failed?
Online banking offers our members a number of conveniences, however our system has some features in place to prevent payments from being mis-applied.  If you have a Line of Credit with us, and a payment is due on that Line of Credit, you may make a transfer payment for any amount from the minimum amount due up to the total amount outstanding. The two types of payments that we cannot accept online are any payment amount when there is not a payment due, or a payment that would bring the loan balance to zero. Those payments must be made in one of our branches or by phone. Our system will be enhanced to accommodate those payment types in the future.

How can I tell if I have a payment due or not on my Line of Credit?
By clicking on the Accounts Tab and then selecting your Line of Credit, you can click on the “Account Detail” button which will show you specific information about the loan including balance, rate and payment due information.

When can I schedule the first payment to a new Payee that I just set-up?
You may set-up a Payee and schedule the first payment in the same session.  If for any reason the Payee information cannot be verified or is in some way incorrect, you will be notified via this online messaging service so that you may correct the Payee information and reschedule a new payment.

How far into the future can a scheduled recurring payment be made for?
Recurring payments can be scheduled for up to 40 years from Today’s date. After the recurring payment is scheduled, only the next payment in the recurring cycle will be displayed in Online Activity.

When are payments processed?
Today payments, payments where the date the user submits the payment and the send on date are the same, start to execute immediately after you log out of the session by debiting your account. Today payments submitted before 12:00pm ET on a business day will be debited and processed on the same day, otherwise, the payment will process on the following business day.
Future scheduled payments are debited on the same day as their send on date, and processed on the scheduled payment send date. However, if the payment’s send date falls on a Saturday, Sunday or holiday, the payment will be processed on the next business day after the send on date.

Based upon the payment delivery method (electronic or check) and time of payment submission the delivery date of the payment may vary. The delivery date will be displayed to you on all payment scheduling and confirmation screens.  Please be sure to schedule all payments so the delivery date is on or before the due date of the payment.

What happens if I have insufficient funds to cover a payment?
This online service will confirm a today transaction only if you have sufficient funds in your funding account to cover it. Future-dated transactions are stored by the system, but the funds are not debited from your account until the scheduled transaction date. If a payment fails due to insufficient funds, an online banking message will be sent and this service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, no further notification is sent. If the payment fails on the retry, a second online banking message will be sent.

What if my payment is late, and I am charged finance charges?
If we tell you to schedule the payment so the Deliver By date is on or before its due date and the payment was still late, then we will take the responsibility. On the other hand, if you did not schedule the payment so Delivery By date is on or before the due date, you will be responsible for any late fees. Be particularly aware of mortgage due dates and bank holidays.