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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 Rewards Checking and Rewards Checking PLUS accounts powered by BaZing. The Credit Union also offers a basic checking account, Freedom Checking, and a second chance checking account, Green Light Checking.

Did UECU recently launch new Checking Accounts?

Yes, we revamped our checking account lineup to provide members with more money-saving benefits and personal protection features. On July 1, 2021, we launched the new Rewards Checking and Rewards Checking PLUS, powered by BaZing, as well as the Freedom Checking Account. On August 1, 2021, all existing UECU checking accounts (except Green Light Checking™) will transition to one of the new accounts.

I already have a UECU Checking Account; how will the account changes taking place on August 1, 2021 impact me?

If you already have a UECU Checking Account, there is nothing you need to do. Your account will automatically transition to a new Freedom Checking account, Rewards Checking powered by BaZing account, or Rewards Checking PLUS powered by BaZing account on August 1, 2021 (excludes Green Light Checking™). These changes will not impact your existing account number, direct deposit or automatic payments, UECU debit card, VantagePoints™ rewards, online banking, bill pay, or checks. Please note: depending on the new UECU Checking Account you transition to, your ATM surcharge rebate amount may change.

I have a Green Light Checking Account ™, will my account transition to a new UECU Checking Account on August 1, 2021?

No, your account will remain the same. However, you’ll have the option to upgrade to one of the new UECU Checking Accounts after six months of healthy checking activity. For more information about Green Light Checking™, click here.

How will the Credit Union notify me of the account changes taking place on August 1, 2021?

You will receive a detailed letter in the mail in July that explains the account changes and benefits, as well as important frequently asked questions.

What if my new checking account isn’t the right fit for me?

You can contact a UECU Member Service Representative at 800.288.6423 to choose a different checking account. To see all the checking account options available in our new lineup, visit uecu.org/checking.

What are BaZing Benefits?

UECU’s checking accounts powered by BaZing provide account holders with additional money-saving benefits and personal protection features, including roadside assistance, a health savings discount card, cell phone protection, ID Theft Aid, $10,000 Travel Accidental Death Coverage, and the UECU Member Perks App. For additional information, see the Checking Benefits Reference Guide.

Will the account changes taking place on August 1, 2021 impact my Visa debit card benefits?

No, regardless of what UECU Checking Account you transition to, you’ll continue to receive your Visa debit card benefits. For additional information, please call 800.288.6423.

What is the UECU Member Perks App?

A savings app available to members with a Rewards Checking or Rewards Checking PLUS account, powered by BaZing. With local discounts and national retailer deals, account holders can save on travel, entertainment, dining, prescriptions, groceries, clothing, and so much more.

Can I continue to use the UECU Mobile Banking App for my financial transactions?

Yes, you can continue to use the UECU Mobile Banking App and Advantages Online™ for your daily financial transactions.

Where can I access my UECU Member Perks powered by BaZing?

The UECU Member Perks App is available for Android users in the Google Play Store and Apple users in the App Store, and can be accessed online at www.bazing.com/uecu. You can contact a UECU Member Service Representative at 800.288.6423 to have your benefit activated.

Mobile Check Deposit

Does UECU offer mobile check deposit?

Yes, you can deposit checks with the e-Posit™ Mobile service available through UECU’s Mobile Banking App. 

How do I endorse a check for e-Posit™ Mobile, UECU’s Mobile Check Deposit Service?

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 e-Posit™ Mobile?
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, and student loan/consolidation. 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 credit and debit cards off or on with Card Controls. This service is available in our mobile app and Advantages Online™. Look for “Card Controls” in the app menu, or under the “Services” menu in Advantages Online™. To report a card as lost or stolen you can also 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 contact our Member Service Representatives at 800.288.6423 prior to your departure to provide information regarding your travel dates. You can also submit a travel notification to UECU through Card Controls. To get started, log into your account with Advantages Online™.

Can I add my Visa card to my mobile wallet with Apple Pay™, Google 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, or Samsung Pay, and follow the directions for set up.

How do I request a replacement Visa credit or debit card?

Please call 800.288.6423, and a Member Service Representative will be happy to assist you.

How can I make a Visa Credit Card payment?

Payments can be made through Advantages Online™, the UECU Mobile Banking App, 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.

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 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?

Call a UECU Member Service Representative at 800.288.6423.

Card Controls

When should I turn off my credit or debit card?

If or when you temporarily misplace your credit or debit card, you can turn off access until you find your card. You can also turn it off during a period of nonuse. Once you locate the card, you can turn it on in seconds online or using the mobile app and continue using it as you did before it was off.

Does turning off my card turn off all card numbers on the same account?

No, you will need to turn off each visa debit and credit card under your member account individually.  

What happens when I turn off my credit card?

Turning off your credit card stops transactions such as purchases, recurring payments, cash advances, and ATM withdrawals and transfers. While your credit card is off, the following transactions 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 turn off my debit card?

Turning off your debit card temporarily stops transactions such as purchases, recurring payments, and ATM withdrawals/deposits. While your debit card is off, the following transactions 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 turn my card off and on?

No. Your account number doesn’t change when you turn your card off and on.

How often can I turn my credit or debit card off and on?

You can turn your card off and on as many times as is necessary online or through the mobile app.

Is there a time limit on how long the card will remain off?

No. The card will remain off until you turn it back on online or through the mobile app.

How is turning my card off and on related to activating my card?

Turning your card off and on doesn’t affect your card’s activation status.

Does the on/off status of my card carry over if I receive a new or replacement card?

If your 16-digit card number remains the same, the on/off status will carry over. If your card number changes, the on/off status won’t carry over to the new card.

Credit

Does UECU offer credit counseling?

Yes, rebuild your credit with the REACH program. Get an analysis of your credit report, advice for improving your score, and access to UECU’s REACH products. To get started, contact a Financial Services Consultant at 800.288.6423, ext. 4001.

How can I access my credit score?

You have the right to a free credit report from each of the major credit reporting agencies, once per year. That’s up to three free credit reports a year. You can request one by visiting www.annualcreditreport.com. While the reports are free, your score is not, 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.

How can I get a copy of my credit report?

You have the right to a free credit report from each of the major credit reporting agencies, once per year. That’s up to three free credit reports a year. You can request one by visiting www.annualcreditreport.com. While the reports are free, your score is not, 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

Do you offer Identity Theft Protection?

Because UECU cares about the security of your identity and because we take identity theft very seriously, we offer LifeLock to you and your family members at a discount rate. Use promo code: uecu when signing up for LifeLock at https://www.lifelock.com/.

Please Note: UECU Visa® Credit Card holders receive ID Navigator, powered by NortonLifeLock, as a complimentary card benefit. To confirm eligibility and enroll, visit https://www.cardbenefitidprotect.com/.

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!