Why does my session time out?
If your online session is inactive for 10 minutes (that is, if you have not submitted any transactions or clicked on any new pages), you will receive a pop-up message, warning that you will be logged off in 4 minutes if there is no further activity. Clicking "Continue" upon receiving the message will allow you to proceed with your online banking activity and will refresh the system for another 14-minute cycle. After receiving the third consecutive inactivity warning, the system will automatically save any transactions you made and terminate the session. The online service is designed this way to provide you with maximum security in case you forget to log out.

Why do I get locked out for 20 minutes when I try and sign back in?
If your online session is not terminated properly it triggers a security feature to prevent logging back in right away.  This is done to protect users who sign out and then someone who may have been observing the user tries to sign in with their password immediately behind them.  To avoid this, always log out by clicking on the “Log Out” button at the top right of the screen and then the “Confirm Logout” button. 

What is "Last Log In"?
The Last Log In stamp is a security feature designed to help monitor the access of your online accounts. Please note that the Last Log In stamp will also reflect log in activity if:

• You share your User ID and Password with another person.
• You use a third-party account aggregation service that automatically logs in to your account for balance and transaction updates.

If you have questions related to the time or date your account was accessed last, please contact Member Service.

Why is my account number displayed as * plus the last four digits?
For the protection of your personal information, no more than four digits of your account number will be shown under the account number display. We recommend that you do not assign account nicknames that include your account number and change the nickname if the nickname does contain the account number.

How can I update my information?
By clicking on the Services tab, you can access screens to change your Internet Email Address, Password, User ID and Personal Authentication Question and Answer.  It is important to keep your email up to date as it is the email address we will use to alert you of certain transactions such as failed payments or changes to your security settings. To change your address or telephone number with this service, please send a message with the pertinent information to Member Service by clicking on the Messages buttons in the navigation bar.

What do I have to do if I don’t see all my accounts on-line?
If you just opened a new account with us, it needs to be added to the On-Line Banking system. Please contact your local branch to update your list of accounts.

I can see only checking account and $200 balance on it. What does it mean?
If you see only one checking account with the balance of $200, it means the on-line system is not available at this time. For your convenience, the limited funds are available if you would like to make a payment, transfer, or pay a bill up to $200. Once the system is running, and the funds are available on your account, your request will be processed automatically.

Bill Payment Questions:

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 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?
By clicking on the Accounts Tab and then selecting your Line of Credit, you can then 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.

How can I see what payments I already have scheduled?
There are a number of places you can see this information. First, when you login you have a quick summary of your account balances and pending payments.



If you are looking to schedule multiple bill payments at the same time, as well as review scheduled and previously made payments, then “Payment Center” is your one stop for all of that information.



If you just want to focus on what payments are scheduled and how those payments impact your balance, the “Payment Activity” tab is the best place to go.



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 happens if I schedule a payment that falls on a Saturday?
Payments scheduled on Saturday, Sunday or holidays will be debited on the same day as their send date, and processed next business day. The payment will be made on the next business day. The following table shows the timing for each type of Online Banking payment.

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.

What is the Payment Guarantee?
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see our var discounter = 0; if (discounter == 0) document.write("Electronic Funds Transfer Disclosure"); discounter = 1; Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.)

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a "Send On" date no later than July 1st.)
2. The payment was not made to an excluded payee:

• Unprocessed payments due to debit failures
• Payments to settle securities transactions
• Payments to payoff special or delayed financing for purchases
• Payments to credit counseling agencies who pay creditors on your behalf
2. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:
• Payments to payees outside of the United States
• Court-ordered payments such as alimony, child support, speeding tickets, etc.
• Tax entities
• Collection agencies
3. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).

What is Money HQ?
Money HQ is our new on-line service that will allow you to transfer funds between your accounts in different financial institutions. Starting March 1st, 2008, there will be a minimum monthly fee of $4.95 for the members who are subscribed for the service. Please note that you don’t need to subscribe for the Money HQ to transfer funds between accounts within our Credit Union or to pay bills electronically. For more information about Money HQ, please click the “Help” button in the right upper corner of the UFCU Direct page, after you log in.