Rewards
Does UECU offer rewards to credit union members?
Yes, the credit union offers the VantagePoints™ Reward program, as well as Kasasa Rewards™ with a Kasasa® Checking account. UECU also participates in the Love My Credit Union Rewards program.
How do I earn VantagePoints™ rewards?
As a UECU member, you earn reward points for your activities, like using your UECU Visa debit and credit cards, referring friends and family to UECU, going paperless for your account statements, and depositing money into a UECU savings account. Learn more at uecu.org/rewards.
Where can I find my VantagePoints™ total?
On your Member Statement or in digital banking at https://online.uecu.org/rewards.
What are the VantagePoints™ redemption options?
You can redeem your points for a UECU loan rate reduction, cash back, or a VantagePoints™ Rewards Link. Use your reward link to purchase gift cards for hotels, airlines, restaurants, movie theaters, and popular retailers. Learn more at uecu.org/rewards.
What are Kasasa Rewards?
Kasasa Rewards are the rewards you receive with a Kasasa Checking account. Open an account and earn monthly rewards like cash back or interest on your checking account balance, plus ATM fee refunds. Learn more at uecu.org/checking.
Where can I find my Kasasa Rewards?
Every month that you qualify, you receive Kasasa Rewards. The amount of your reward is included in your Member Statement.
Can I earn VantagePoints™ rewards and Kasasa Rewards?
Yes, with a Kasasa Checking account and an Advantages Visa Debit Card™, you can earn both every month. To qualify for Kasasa Rewards, you just need to set up one direct deposit or ACH payment, make at least 12 debit card purchases, and go paperless for your Member Statements.
To earn VantagePoints™, simply use your debit card for your purchases and payments. Earn 1 point for every $4 spent with your debit card. Go paperless and opt out of paper Member Statements, and you earn even more: 1 point for every $2 you spend.
What is the Love My Credit Union Rewards program?
As a UECU member, you qualify for exclusive discounts and unique benefits from our trusted partners. You could save big with deals on phone plans, groceries, and travel expenses. Enjoy member benefits from TurboTax, H&R Block, Rental KHARMA, and more! To learn more, click here.
Digital Banking
How can I access the Mobile and Online Banking Services?
You can access UECU’s Online Banking Service on the UECU website. The UECU Mobile Banking App is available in the App Store and Google Play Store.
Why can’t I register my account in Mobile and Online banking?
There are various reasons why an account may be permanently or temporarily blocked from mobile and online banking access. Please contact member service for additional information.
No matter what I do, I can’t sign in. What can I do?
If you have already tried to reset your username and password, it is likely that your account has been locked to protect your personal and account information from too many unsuccessful login attempts. Please call member service during normal business hours to regain digital access.
When I try to login, I get a message that says Access Denied. What can I do to get into my account?
Please try logging in using an alternate connection or turning off your VPN connection to sign in directly to our secure services.
Why isn’t my username or password choice being accepted?
For better security, your UECU mobile and online banking username must be 8-32 alphanumeric characters. Your password must be 12-32 characters, and must contain at least one number, one upper case letter, and one of the following special characters ~!@#$%^&*()_+=?
I have used online banking before. Why do I keep getting the error message that my account cannot be registered?
If you have used UECU’s mobile or online banking before, you can just sign in with your current username and password. There is no need to register.
How can I connect all of my UECU accounts to my data aggregator software (Ex. Plaid)?
If you have more than one UECU account, you’ll need to create individual login credentials for each of your accounts in UECU’s new Mobile and Online Banking services. This will enable you to connect each of your individual UECU accounts to your data aggregator software so that you can download your financial transactions for each account.
Does UECU support Intuit Mint, QuickBooks, and Quicken?
Yes, you can connect your UECU account to these services/software. For instructions on connecting to Mint, visit their website at https://mint.intuit.com/support/en-us/help-article/budget-planning/new-mint-get-started-quick-guide/L3hj9PeS4_US_en_US; for QuickBooks, visit https://quickbooks.intuit.com. To connect your UECU account to Quicken, access the quick start guide at https://www.quicken.com/getting-started.
Student Loans
What is happening with federal student loans?
Interest on federal student loans resumed on Sept. 1, 2023, and payments went back into effect in October 2023. Visit studentaid.gov for details.
Where can I find information about UECU’s student loan options?
Click here to visit UECU’s Student Choice website.
Membership Share
What is a Membership Share and why do I need one?
Credit unions are cooperatives of members who are also owners of the credit union. This is a key difference between credit unions and banks. Therefore, all credit union owners are required to acquire a Membership Share to reflect their status as owners. The acquisition of a membership share allows you to vote in accordance with our Bylaws and establish as many accounts as you need, all subject to UECU approval processes.
What is the cost of a Membership Share?
The cost of a Membership Share is $5.00. This amount is established in UECU’s Articles of Incorporation. Additional information about Membership Shares is contained in our Bylaws.
What are the changes UECU is making to my Membership Share?
Previously, to assist you in maintaining your Membership Share UECU required a minimum balance of $5.00 in a Share Account for every member account you established. That process will be changing as of 8/1/2022. You will still have a Share Account on each of your accounts, but we are removing the minimum balance requirement of $5.00 and removing the minimum balance requirement to earn the published annual percentage yield. Rather than requiring a minimum balance on each of your Share Accounts, we will be placing a hold of $5.00 on one of your Share Accounts to assist you in maintaining your Membership Share.
Is there any action required on my part?
No. There is no action required on your part for this process change.
Do I have access to my Membership Share balance of $5.00?
No. Your Membership Share balance of $5.00 will be on hold as long as you are a member of UECU.
Do I earn dividends on my Membership Share balance of $5.00?
Yes. You earn dividends on your Membership Share balance.
If there are multiple owners of a member account will there be more than one Membership Share held in the Share Account?
Yes. There may be multiple Membership Shares held in one Share Account. This will depend on if the member owners only have one member account with UECU or multiple.
I have one UECU member account; how will this change impact me?
You will no longer have a minimum balance requirement on your Share Account. You will no longer have a minimum balance requirement to earn the published annual percentage yield on your Share Account. Your Membership Share will remain on deposit and be held in your Share Account.
I have multiple UECU member accounts; how will this change impact me?
You will no longer have a $5.00 minimum balance requirement for any of your Share Accounts. Every $5.00 balance not available for use due to the current minimum balance requirement will now be included in your available balance, with the exception of your Membership Share. Your $5.00 Membership Share will remain on deposit and be on hold in only one of your Share Accounts. You will no longer have a minimum balance requirement to earn the published annual percentage yield on your Share Accounts.
I have multiple Share Accounts; can I change which Share Account holds my Membership Share?
Yes, you can change which Share Account holds your Membership Share by calling us at 800.288.6423.
Is my Membership Share visible in online banking, mobile banking, or on my account statement?
Yes. The $5.00 balance of your Membership Share will be included in the Share Account balance appearing on your statement. If you are enrolled in online banking or mobile banking, you will see a difference in your available balance and balance in your Share Account. If you are not enrolled in online banking or mobile banking you can call 800.288.6423 or write the credit union at PO Box 14864 Reading, PA 19612-4864 and we will let you know which account your Membership Share is held on.
What happens if I close my individual UECU member account that is holding my Membership Share and I have no other open member accounts?
If you are the sole owner of an individual member account and you have no other member accounts with UECU, your Membership Share will be included in your payout balance.
What happens if I close an individual UECU member account that is holding my Membership Share and I have other open member accounts?
If you close a Share Account that is holding your Membership Share, UECU will automatically transfer the hold of your Membership Share to any other open Share Account you are an owner of. You will not receive prior notification of this transfer. You will see a balance change to one of your remaining Share Accounts on your next statement, reflecting the deposit of the Membership Share and subsequent hold.
What happens to my Membership Share if I close a UECU member account with multiple owners?
Your Membership Share may be held in a Share Account with multiple owners and all owners have joint ownership over all balances, including your Membership Share. Multiple Membership Shares may be held on your Share Account if there are multiple owners. If you or another owner closes a Share Account that is holding your Membership Share, UECU will automatically transfer the hold of your Membership Share to any other open Share Account you are an owner of. You will not receive prior notification of this transfer. You will see a balance change to one of your remaining Share Accounts on your next statement, reflecting the deposit of the Membership Share and subsequent hold.
If you are not an owner on any other Share Accounts, your Membership Share will be included in the payout balance of the closed member account. You understand that all balances held in an account with multiple owners (joint account) can be closed individually by any one owner with no authorization from the other owners. When an owner of a joint account acts individually and closes the member account, all funds can be paid to that owner individually, including your Membership Share if you are not an owner on any other accounts.
Who should I contact if I have questions about my Membership Share?
Please call 800.288.6423 with any questions.
Savings and Checking Accounts
What types of savings accounts does UECU offer?
UECU offers competitive rates on a variety of savings accounts, including basic (share) savings, educational savings, health savings, money market savings, Individual Retirement Accounts (IRAs), special savings, and CD’s. For more information, click here.
Does UECU offer retirement savings accounts?
Yes, UECU offers traditional and Roth IRAs, IRA certificates of deposit, and Coverdell education savings accounts. For more information, click here. UECU members also have access to additional investment options available through Utilities Employees Investment Services (UEIS).
Does UECU offer Checking Accounts?
Yes, UECU offers free Kasasa Checking accounts as well as a second chance checking account, Green Light Checking™.
Mobile Check Deposit
Does UECU offer Mobile Check Deposit?
Yes, you can deposit checks with the Mobile Check Deposit service available through UECU’s Mobile Banking App.
How do I endorse a check for Mobile Check Deposit?
On the back of your check… Write “For Mobile Deposit Only to UECU” (Please note: If the back of your check includes a check box that you can mark for mobile deposit, you can check that box, but still need to include the words “For Mobile Deposit Only to UECU”). Sign Your Name exactly as it appears on the front of the check. If the check has been made payable to multiple payees (people), then each payee will need to sign the back of the check.
Who should I contact if I have questions about Mobile Check Deposit?
You can contact a UECU Member Service Representative by phone at 800.288.6423 or via Live Chat during regular business hours, weekdays 8 a.m. – 5 p.m. ET, Wednesdays until 3:30 p.m. ET.
Loans
What types of loans does UECU offer?
UECU offers competitive rates on a variety of loans, including auto, credit cards, home equity lines of credit, mortgages, motorcycles, natural disaster, personal, RV, boat, savings secured, student loan/consolidation and trade school loans. For a listing of UECU’s current loan rates, click here.
Does UECU offer mortgages?
Yes, for more information or to apply, click here. Have questions? Call 800.288.6423 Ext. 4001.
Does UECU offer student loans?
Yes, for more information or to apply, click here. Have questions? Call 800.288.6423 Ext. 4001.
Does UECU offer share-secured credit cards?
Yes, for more information or to apply click here. Have questions? Call 800.288.6423 Ext. 4001.
Does UECU offer Auto and Home Insurance?
Yes. Call 800.288.6423 Ext. 4001.
What is Skip-A-Pay?
Enjoy the freedom of skipping your loan payment during the month you need the extra cash the most! For more information click here or call 800.288.6423.
Visa – General FAQs
What do I do if my Visa® credit or debit card is lost or stolen?
You can temporarily turn your UECU Visa credit and debit cards off or on, report them lost/stolen, and order replacement cards with the Advanced Card Controls in Mobile and Online Banking. To access Card Controls, log into your account online or on mobile, select the appropriate account or loan the card is tied to, and choose Card Controls. To report a card as lost or stolen you can also contact UECU at 800.288.6423 or click here for domestic and international phone numbers to call 24/7.
Can I use my Visa credit or debit card internationally?
Yes, you may use your Visa® Power Card™ or Advantages Visa® Debit Card™ internationally, everywhere Visa is accepted. If you are traveling internationally, please submit a travel notification through Mobile or Online Banking using Card Controls. You may also contact our Member Service Representatives at 800.288.6423 prior to your departure to provide information regarding your travel dates.
Can I add my Visa card to my mobile wallet with Apple Pay™, Google Pay, Garmin Pay™, or Samsung Pay?
You can add your UECU Visa Power Card™ and Advantages Visa Debit Card™ to your favorite mobile wallet. Use your mobile device to make payments in apps, on the web, and in store. To get started, simply download the App for Apple Pay™, Google Pay, Garmin Pay™, or Samsung Pay, and follow the directions for set up.
How do I request a replacement Visa credit or debit card?
Log into Mobile or Online Banking, select the account or loan the card is tied to, and Request Replacement Card. You may also contact a Member Service Representative at 800.288.6423.
How can I make a Visa Credit Card payment?
Payments can be made through Mobile or Online Banking, or by mailing your payment to Utilities Employees Credit Union, Attn: Visa Department, P.O. Box 66702, St. Louis, MO 63166-6702. You can also contact a UECU Member Service Representative at 800.288.6423 to make your payment by phone or set up an automatic transfer from your Checking or Savings Account.
How can I get my Visa credit card limit increased?
Contact a Financial Services Consultant at 800.288.6423, ext. 4001.
How can I use my UECU Visa Power Card™ to pay off my credit card or loan at another financial institution?
Call the company and supply them with your UECU credit card number, contact UECU at 800.288.6423 to request convenience checks, or request a cash advance into your UECU checking account or an account at another financial institution. If you need assistance, contact a Member Service Representative at 800.288.6423.
Where can I find information about my Visa card benefits?
Visit uecu.org/visabenefits for information about Visa debit and credit card benefits.
Why is there a $1 Google Authorization Hold on my account?
When you use a payment method through a Google service, during a purchase or with autofill on Chrome, you may find a charge on your account with the descriptor Google*Temporary Hold. This is a pending charge performed to verify that your card account is valid. When the transaction goes through, the hold will go away.
Why did I get a fraud alert for a $1 Google Authorization Hold on my account?
Due to the dollar amount and timing of this transaction along with the purchase from the merchant using Google, the fraud department wants to make sure all transactions are valid. If you just completed a transaction using your card, this transaction is valid and will not post to your account. Confirm valid.
Visa – Contactless Cards
What is a contactless card?
Your contactless card uses short-range wireless technology to make secure payments between a contactless card and a contactless-enabled checkout terminal. When you tap near the contactless symbol, your payment is sent for authorization.
Is tapping to pay secure?
Yes, absolutely. Your contactless card has the same secure encryption technology as your current contact only EMV chip card.
Is tapping to pay safe?
Yes. Tapping to pay with your contactless card is a safer way to pay because it helps you avoid touching surfaces at checkout.
Where can I use my card?
Your contactless card can be used at all contactless (tap to pay), chip, and non-chip terminals. You select the way you’d like to pay – tap it, insert the chip, or swipe it. To use your card at a contactless terminal, look for the contactless symbol and tap your card on the screen to pay. For online purchases, simply enter your card information at checkout to complete your purchase.
Look for the contactless symbol at checkout & tap to pay. It’s that easy! 
How long do I need to tap my card on the checkout terminal?
One to two seconds should do it. And don’t worry, even if you tap twice, you won’t be charged twice.
Can a purchase be made without my knowledge (for example: will the card reader activate if I walk past it)?
No. Your card must be extremely close to the reader – typically between two and four centimeters, and the merchant must have first entered the amount for you to approve.
Can I use my contactless card when I travel?
Yes. But as always, be sure to notify the Credit Union or submit a travel notification through Mobile and Online Banking before you plan to travel. We monitor your UECU debit and credit cards for suspicious activity. When you notify the Credit Union in advance, we can make the necessary adjustments, so your card isn’t blocked for potential fraud. While traveling and using your card, you may also receive text alerts at the time of your purchase(s), asking you to verify that the transaction(s) is not fraudulent.
I tried using my card at a contactless terminal, but it didn’t work. What could be wrong?
The merchant could be experiencing an issue with contactless capability, so you may need to swipe the card or insert the chip to complete your purchase. The merchant may have also set a limit on the purchase amount for contactless payments. In this case, your card should still work by swiping it or inserting the chip. Also, check to see if you received a text alert from UECU, asking you to verify that the purchase you are making isn’t fraudulent. Your transaction will be approved once you respond with a confirmation. If your card doesn’t work at all, contact a UECU Member Service Representative at 800.288.6423.
How can I request a new contactless card?
Log into Mobile or Online Banking, select the account or loan the card is tied to, and Request Replacement Card. You may also contact a Member Service Representative at 800.288.6423.
Visa – VAU Service
What is Visa Account Updater (VAU)?
Visa Account Updater is a service that allows merchants to receive updated account information (account number and expiration date changes) when changes occur on a card set up with the merchant for payment. This will help skip the hassles of re-entered or resubmitting payment information and avoiding declined payment and service interruptions.
What merchants participate?
Visa allows merchants that are recurring services such as recurring bill payment providers, subscription services, internet/mobile-app “one-click” checkouts, etc.
Is there a listing of merchants that participate?
No, Visa does not provide any type of merchant listing so it is always good practice to update your card information with any merchants to ensure they receive payment to help eliminate service interruption.
What steps are taken to ensure information is only shared with authorized merchants?
When a merchant that participates in VAU sends a request for authorization, if the card information they provided has a new card number or expiration date, that information is shared at that time. This is the only information shared with the merchant and only at the time of requested payment.
What if I don’t want my card information automatically updated?
If you do not want to have your card information automatically updated with any merchant that participates in VAU, you can contact UECU’s Card Services Department and they can opt your card(s) out of this service.
Can I opt out of just one merchant?
No, Visa does not allow cardholders to select merchants they do not want to receive automatic updates. A cardholder can select their card(s) out of the service completely for all merchants.
Card Services & Controls
When should I lock (turn off) my credit or debit card?
If or when you temporarily misplace your credit or debit card, you can lock it (turn it off) until you find your card. You can also lock it during a period of nonuse. Once you locate the card, you can unlock it (turn it on) in seconds online or using the mobile app and continue using it as you did before it was locked.
Does locking my card turn off all card numbers on the same account?
No, you will need to lock each Visa debit and credit card under your member account individually.
What happens when I lock my credit card?
Locking your credit card stops transactions such as purchases, recurring payments, cash advances, and ATM withdrawals and transfers. While your credit card is locked, the following transactions and services are allowed: returns, credits, dispute adjustments, online transfers, payments toward your balance, check posting, setting travel notifications, reward points review and redemption, interest accrual, and ordering a replacement card.
What happens when I lock my debit card?
Locking your debit card temporarily stops transactions such as purchases, recurring payments, and ATM withdrawals/deposits. While your debit card is locked, the following transactions and services are allowed: returns, credits, dispute adjustments, online transfers, setting travel notifications, PIN changes, and ordering a replacement card.
Does my account number change when I lock or unlock my card?
No. Your account number doesn’t change when you lock or unlock your card.
How often can I lock and unlock my credit or debit card?
You can lock and unlock as many times as necessary online or through the mobile app.
Is there a time limit on how long the card will remain locked?
No. The card will remain locked until you turn it back on online or through the mobile app.
How is locking and unlocking my card related to activating my card?
Locking and unlocking your card doesn’t affect your card’s activation status.
Does the lock/unlock status of my card carry over if I receive a new or replacement card?
If your 16-digit card number remains the same, the lock/unlock status will carry over. If your card number changes, the lock/unlock status won’t carry over to the new card.
How quickly do changes to Advanced Card Controls go into effect?
When you enable, edit, or disable Advanced Card Controls, allow a few minutes for them to go into effect before making a transaction that should be approved or blocked by them.
How will I know if my Advanced Card Controls caused a transaction to be declined?
You will receive a security alert via your chosen Mobile and Online Banking security alert method(s) (email, text, and/or push notification) for any declined purchase. If it is declined due to controls you have enabled, the alert will state that. If you want that transaction to be approved, you can change your controls online or through the mobile app and try the transaction again.
Credit
Does UECU offer credit counseling?
Yes, UECU offers credit counseling. Get an analysis of your credit report, advice for improving your score, and access to UECU’s savings and checking products. To get started, contact a Financial Services Consultant at 800.288.6423, ext. 4001.
How can I access my credit score?
You have access to a free credit report and score with SavvyMoney®. To access your credit report and score, log into Mobile or Online Banking to review your credit information and tips for improving your score. You’ll also receive alerts for credit report changes. You can refresh your score every 24 hours in Mobile and Online Banking. For additional tips on improving your credit, contact a Financial Services Consultant at 800.288.6423, ext. 4001.
How can I get a copy of my credit report?
You can access a free SavvyMoney credit report and score in Mobile and Online Banking. You also have the right to a free credit report from each of the major credit reporting agencies, once per year. You can request one by visiting www.annualcreditreport.com. While the reports are free, the credit reporting agencies do not provide your score for free, there is a small fee to access your score. For tips on improving your credit, contact a Financial Services Consultant at 800.288.6423, ext. 4001.
Identity Theft Protection
How can I protect myself from Identity Theft?
As a UECU member, you have access to an online Resource Center where you can find tips on protecting your identity, avoiding phishing scams, guarding your personal information, and more!