E-Services

Online & Mobile Banking

Bank Anytime, Anywhere

Take control of your finances with UGEFCU’s online and mobile banking—your accounts, loans, and cards at your fingertips, 24/7. Whether you’re at home or on the go, our secure platforms make banking fast, simple, and convenient.

Key Features

•    Instant Account Access
View balances and transaction history for checking, savings, loans, and certificates in real time.
•    Funds Transfer
Move money between UGEFCU accounts, schedule future transfers, or send funds to external banks.
•    Mobile Deposit
Deposit checks with your smartphone camera—snap a photo, confirm amount, and submit.
•    Bill Pay
Set up one-time or recurring payments for utilities, rent, credit cards, and more in just a few clicks.
•    Zelle® Integration
Send and receive money instantly with friends, family, or businesses right from your app.
•    Card Controls
Lock or unlock your debit/credit card, set spending limits, and receive instant transaction alerts.
•    Alerts & Notifications
Get push notifications or email alerts for low balances, large transactions, upcoming due dates, and login activity.

Security You Can Trust

•    Multi-Factor Authentication
Added protection at login with one-time passcodes and device recognition.
•    End-to-End Encryption
All data transmissions use industry-leading encryption to safeguard your information.
•    Real-Time Fraud Monitoring
Automated scanning for suspicious activity and zero-liability protection on unauthorized transactions.

Getting Started

1.    Enroll Online
• Visit the “Online Banking Enrollment” page and complete our secure signup form.
2.    Download the Mobile App
• Search “UGEFCU Mobile” in the App Store or Google Play and install the app.
3.    Log In & Customize
• Use your online banking credentials to log in.
• Update your security settings, enable Touch/Face ID or PIN login, and personalize alerts.

Frequently Asked Questions

•    Do I need to be a member?
Yes. Online and mobile banking are free for all UGEFCU members.
•    Is there a fee for mobile deposits?
No. You can deposit checks anytime at no extra cost.
•    What if I forget my password?
Tap “Forgot Password” on the login screen or call Member Services at 1-800-990-7499 for assistance.

Ready to bank on your terms?
Enroll today or download our mobile app and experience seamless digital banking.

BillPay: Simple, Secure, and Free

With BillPay, you can pay your bills online or on the go using our mobile app. Schedule one-time or recurring payments, track your payment history, and enjoy peace of mind knowing your transactions are secure—all at no cost to you.

•    Convenience: Pay bills anytime, anywhere.
•    Cost Savings: No checks, stamps, or fees.
•    Control: Schedule payments in advance or set up recurring payments.
•    Security: Protected by our online banking security measures.

❓ Frequently Asked Questions (FAQs)

• Is there a fee to use BillPay?

No. BillPay is completely free for members when using Home Banking or our Mobile App.

• Who can I pay with BillPay?

You can pay most companies, service providers, or even individuals. Payments are sent electronically when possible, or by check if needed.

• How long does it take for a payment to reach the payee?

Electronic payments usually arrive within 1–2 business days. Check payments may take 5–7 business days.

• Can I schedule recurring payments?

Yes. You can set up automatic payments for bills like utilities, loans, or subscriptions.

• What happens if I don’t have enough funds in my account?

Payments may be declined, and you could incur overdraft fees depending on your account settings.

• Is BillPay available on mobile?

Absolutely. You can access BillPay through our Mobile App for on-the-go convenience.

Watch how easy it is to use BillPay