Membership now open to PA residents through PACCLearn More

Have Questions? Need Help? Call 800.288.6423.

Convenient Services

Accessing Your Funds

Check Deposits: You can make check deposits with the UECU Mobile Banking App or by mailing the check to UECU at P.O. Box 14864, Reading, PA 19612-4864. If you live near UECU’s headquarters in Wyomissing, PA, you can also make deposits at the branch. If you have a UECU Checking Account, the Advantages Visa® Debit Card™ gives you the capability to make check deposits at participating ATMs. For your convenience, you can also set up direct deposit, payroll or pension deduction. To get started, contact a UECU Member Service Representative at 800.288.6423.

Check Withdrawals: You can request a UECU Withdrawal Check by contacting a Member Service Representative at 800.288.6423 or by logging into your account with Mobile and Online Banking. Withdrawal checks can be cashed at any M&T Bank branch.

Cash Deposits: If you have a UECU Checking Account, the Advantages Visa® Debit Card™ gives you the capability to make cash deposits at participating ATMs. You can also make cash deposits at UECU’s headquarters in Wyomissing, PA.

Cash Withdrawals: With a UECU checking account and an Advantages Visa Debit Card™, you can withdraw cash from any ATM across the nation. UECU reimburses ATM surcharge fees up to $4 per month for a Freedom Checking Account, up to $8 per month for a Rewards Checking Account, and up to $12 per month for a Rewards Checking PLUS Account. If you live near UECU’s headquarters in Wyomissing, PA, you can also withdraw cash at the branch.

ATM Deposits: Checks may be deposited at select ATMs that accept check deposits (some accept deposits of cash, as well). You can check the ATM locator to find participating ATMs near you. After depositing a check at an ATM, you will have immediate access to $225.00 of your check funds. There is a required hold of five business days placed on checks deposited through an ATM, after which you will receive full access to any additional funds in the check. You may have immediate availability up to $1,500 if you make a deposit to an eligible Checking or Money Market Savings Account with the UECU Mobile Banking App.

Account Alerts

With UECU’s alerts, you can receive an automatic email, text message* or notification notifying you of current or pending activity on your UECU accounts. Choose one or all of the alerts listed in Mobile and Online Banking – and even customize your alerts to receive exactly the information you want, when you want it. There’s no cost to sign up, and timely alerts may even save you money! To get started, log into your account with Mobile and Online Banking.

Service Agreements
E-Notifications™ Agreement
Agreement to Receive Electronic Communications 

*Alerts received as text messages on your mobile phone may incur a charge from your mobile service provider. Standard message and data rates apply.

UECU does its best to provide alerts in a timely manner with accurate information, but alerts may be delayed or prevented by a variety of factors beyond our control (such as system failures or misdirected delivery). We don’t guarantee the delivery of alerts or the accuracy of the contents of any alert and are not responsible for any actions taken or not taken by you or any third party as the result of an alert or missed alert.

Advantages Bill Pay

Advantages Bill Pay™ is a bill pay service tied to your UECU checking account that allows you to access, view, and pay your monthly bills from Mobile and Online Banking. Receiving and paying your bills takes significantly less time than traditional bill payment methods and is extremely easy. Enroll today, it’s free! Simply log into Mobile or Online Banking to get started.


UECU offers you access to thousands of ATMs nationwide. Enjoy surcharge-free access at participating credit union ATMs and at participating retail merchant locations. For those occasions when a surcharge-free ATM isn’t available, no need to worry, UECU reimburses ATM surcharge fees up to $4 per month for a Freedom Checking Account, up to $8 per month for a Rewards Checking Account, and up to $12 per month for a Rewards Checking PLUS Account.

Search ATM’s Here.

Card Controls

If you have ever misplaced your card or lost it, you probably know the uneasy feeling that sets in when you realize it’s gone. With UECU’s advanced Card Controls service you can have peace of mind knowing that you can easily turn your card off in minutes. This will help block fraudulent transactions and give you the precious time you need to find your card. The Card Controls service is conveniently located within Mobile and Online Banking, so you can easily manage your cards on the go. If you discover that your card has been permanently lost or stolen, you should report the card lost/stolen and order a replacement card within Mobile and Online Banking. You can also report your card lost/stolen by contacting UECU at 800.288.6423.

With the advanced Card Controls service, you can:

  • Turn your card(s) off or on (this option is available on all UECU cards including the Quick Cash Card, Advantages Visa® Debit Card, HSA Visa Debit Card, Visa Power Card™, Home Equity Visa Platinum, and Flex HELOC Visa Card).
  • Report your cards lost/stolen and order replacement cards
  • Submit a travel notification to UECU – Let us know in advance when you plan to travel so we can make sure your debit and credit card transactions are processed as normal. You can submit a travel notification on all your cards at once, or on the individual cards, you plan to use while away.

For more information about the Card Controls service, click here.

Credit Counseling

UECU offers free credit counseling and financial education to help you improve your overall financial wellness. Get an analysis of your credit score and practical advice on how to improve it at no additional cost to you.*

While there is no “quick fix” to improve a credit score, we can help you adopt new financial habits that can help steadily raise it over time. With several great products geared toward your potential needs, you’re sure to find a financial solution that’s right for you!

Gain financial freedom by learning how your credit score affects your finances and what you can do to improve them. To get started, call 800.288.6423.

* Unlike UECU’s credit counseling services, your Credit Score may not be free.

CueItUp Financial Education

CueItUp can help you bank better, prepare for big purchases, feel confident about retirement finances, and more.  Each 2-5 minute e-course will help you and your family make your money work harder for you. All it takes is a little time to CueItUp! 

Direct Deposit / Payroll Deduction

If you don’t want to worry about your money getting to UECU, Direct Deposit and/or Payroll Deduction may be just what you are looking for. You may choose to have funds taken directly from your paycheck and deposited to your UECU savings or checking account. Also, set up direct deposit or payroll deduction to repay any current UECU loans. Enjoy peace of mind knowing your funds are available the day you get paid. To set up direct deposit or payroll deduction, contact your employer and provide them with UECU’s routing number (231 385 633) and your UECU account number.  If you have questions or need assistance, call 800.288.6423.


DocuSign is another great convenience option that UECU offers you. It allows you to receive your documents via a secure email and will prompt you step-by-step on how to sign your loan documents electronically. Once your documents are received, we can deposit those funds directly to your UECU account of choice, and you will have immediate access! What are you waiting for? Next time you apply for a loan with UECU ask to receive your loan documents through DocuSign “The fastest way to get a signature!” If you have questions or need assistance, call 800.288.6423.


Receiving your financial information has never been easier! UECU helps members simplify their record-keeping with secure and convenient E-Statements. You can choose paperless for one or all of your UECU statements: Member E-Statements for your account statements, Visa® E-Statements for your monthly credit card statements, and Tax E-Forms for your annual tax forms.

You can view 24 months of E-Statements through Mobile and Online Banking. UECU provides the following Tax E-Forms: 1098, 1099-INT, 1099-Q, 1099-R, 1099-SA, 5498, 5498-ESA, 5498-SA. You will receive only those forms that are specific to your account. The past four years of Tax E-Forms produced for your UECU account will remain accessible online so you can quickly review your form history.

Plus, earn 25 VantagePoints™ for every Member E-Statement and Visa® E-Statement you receive when you opt out of paper statements. UECU Checking Account holders who opt out of paper statements for their Member Statements also earn double the amount of VantagePoints™ on their daily debit card purchases.

To get started, log into Mobile or Online Banking. If you have questions or need assistance, call 800.288.6423.

Investments and Insurance

Utilities Employees Credit Union has partnered with Cetera Investment Services LLC, to offer you a broad range of investment and insurance products through Utilities Employees Investment Services (UEIS). Located within Utilities Employees Credit Union’s headquarters in Wyomissing, Pennsylvania, UEIS is focused on helping America’s utility, and energy employees and their families make the right investment choices. The UEIS team includes Investment Executives James Miller and Gina Katrinak.

To learn about the insurance and investment options available through UEIS, contact Jim or Gina today. For questions or to set up a complimentary consultation, call 800.288.6423, ext. 4005, or contact them via email at To view their website, visit

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. 11 Meridian Blvd, Wyomissing, PA 19610

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Mobile Banking/Mobile App

Go mobile and get access to your accounts anytime, anywhere. Managing your money is easy with a custom dashboard, 360-degree financial view, and easy-to-use financial tools. Learn More

UECU’s Mobile Banking service is easy-to-use, extremely portable, and free! Apple and Android Users: Download UECU Mobile directly to your phone or tablet.

Get UECU mobile on google play store
Android Users – find our app in the Google Play Store. Search for UECU Mobile.
Get UECU mobile on Apple App Store
Apple Users – find our app in the iTunes App Store. Search for UECU Mobile.

Helpful Tips:  Minimum operating system requirements for the UECU mobile banking app are iOS 15.0+ for Apple devices, Android 10+ for Android devices, and the last two versions of Edge, Safari, Chrome and Firefox.

UECU mobile banking service is free but you may incur mobile internet/data charges from your carrier/service plan. Please check with your carrier and service plan on specific charges. All iPhone app features and benefits are available for the iPad; not fully optimized for the iPad experience. iPhone and iPad are registered trademarks of Apple Inc. Google and Google Play are trademarks of Google Inc. Android is a registered trademark of Google, Inc.

Mobile Check Deposit

Have a check to deposit? UECU has you covered anytime, anywhere! With our free Mobile Check Deposit service, it’s easy to deposit your checks from home or while you’re on-the-go. Simply use your mobile device to make deposits to your UECU savings or checking accounts, whenever it’s convenient for you. And, if you have a UECU checking account, you can even enjoy immediate access to a portion of your check funds!

Mobile Check Deposit
Use UECU’s Mobile Banking App to deposit checks with your iPhone®, iPad®, or Android™ phone or tablet.

Depositing your check is as easy as 1, 2, 3!

  1. Endorse your check – sign your name as it appears on the check. Also, include “For Mobile Deposit Only to UECU” on the back of your check.
  2. Select the “Deposit” option from the mobile menu in the UECU Mobile App. Choose your deposit account, snap a photo of your check, and confirm the amount.
  3. Record the Deposit # for your deposit and keep it for your records.

Click HERE to read the Services Agreement for Mobile Check Deposit

iPad® and iPhone® are registered trademarks of Apple Inc. Android™ is a trademark of Google Inc.*Mobile Check Deposit service cannot be used to deposit checks to Certificates of Deposit, Health Savings Accounts, Individual Retirement Accounts, or Coverdell Education Savings Accounts. Immediate funds availability only from money market savings and checking accounts.

Mobile Wallet

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.


All of us, no matter how careful, can become victims of identity theft. In fact, every three seconds another identity is stolen. If you worry about identity theft, then it’s time you got to know NortonLifeLock. LifeLock and Norton are now part of one company giving you all-in-one protection for your identity, devices and online privacy. NortonLifeLock provides proactive identity theft protection.

Visit or call 1-800-LIFELOCK (543-3562)

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

Online Banking

Get online access to your accounts anytime, anywhere. Managing your money is easy with a custom dashboard, 360-degree financial view, and easy-to-use financial tools. Learn More

Still need to Join?
Call 800-288-6423

View Mobile and Online™ Banking Agreement and Disclosure

Mobile and Online Banking access is available to members age 13 and older; access for younger members may be requested if written consent is provided by an adult joint account owner age 18 or older.

*Alerts received as text messages on your mobile phone may incur a charge from your mobile service provider. Standard message and data rates apply.

Overdraft Defense

Advantages Overdraft Defense™ helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account; you are only charged if you overdraw your account. You do not have Advantages Overdraft Defense™ on your account until you receive written confirmation from us that it has been added to your account.                      

  • Save money and inconvenience when Advantages Overdraft Defense™ covers the overdraft and the merchant never has reason to charge a fee.
  • Saves embarrassment at point of sale when purchases are covered by your Advantages Overdraft Defense™
  • Enjoy peace of mind knowing that in the event of an emergency Advantages Overdraft Defense™ will cover your debt when funds are low.

For more information, see the Discretionary Overdraft Privilege Policy

Overdraft Protection

Overdraft Protection is a service that automatically transfers available funds from your selected deposit accounts or credit lines and into your UECU Checking Account to clear an overdrawn item.

  • Choose to transfer funds from up to 3 accounts: Share Savings, Special Savings, Advantages Money Market Savings™, Personal Lines of Credit, and Visa Power Card™ Accounts.
  • Use multiple accounts (deposit and Visa) to transfer from.
  • A notice of overdraft will be sent to you.

Transferring from Share

  • Exact amount needed to cover overdraft is transferred
  • Member may cross account numbers (requires additional authorization form)

Transferring from Visa or PLOC

  • Transfers in $100 increments
  • Finance charges accrue immediately
  • Unlimited transfers allowed monthly
  • Member may cross account numbers for Visa only (requires additional authorization form)
  • Credit product must be current

For more information, see the Overdraft Protection Disclosure

Phone Banking

PAL is UECU’s Personal Access Line (automated phone banking service), giving you access to your accounts all day, every day. First time PAL Users: You will need your UECU member account number and your social security number so that you can choose a 4-digit numeric Access Code. Going forward, you will use your member account number and access code for secure PAL access. To get started, call 800-278-6725 or 610-927-4015. 

For helpful tips on using PAL, click here.


View, organize and set financial goals with Quicken® via Online Banking. Downloading your credit union information directly into Quicken lets you manage your personal and household finances quickly and easily without manually entering each purchase or deposit. With UECU and Quicken, you’ll be able to get a clear picture of your finances and see exactly where your money is going every month. If you need help or have questions, contact a UECU Member Service Representative at 800.288.6423.

Please note you will have to purchase Quicken Software, the free online version is not compatible with UECU’s Online Banking service.


Do you need some extra cash for the holidays, a vacation, an emergency purchase, or an unexpected bill?  UECU’s Skip-A-Pay Program can help you stretch your budget. Enjoy the freedom of skipping your loan payment during the month you need the extra cash the most!

Your Skip-A-Pay request must be submitted to the Credit Union seven days prior to the skip payment date.  You may skip payments on multiple eligible loans, but you may not skip more than one payment on the same loan in a 12 month period. There is a $35 processing fee for each loan payment that is skipped.  For complete details and program rules, click here

How to Request a Skip-A-Pay

  • Log onto Mobile or Online Banking.
  • Click on Skip-A-Pay under the “More” menu. Select “New” to create a new Skip-A-Pay request.
  • You may also request a Skip-A-Pay by contacting the Credit Union at 800-288-6423.

We do business in accordance with Equal Credit Opportunity Act. 

Tax Forms

UECU will send each member only those tax forms that are specific to their account(s). The following are forms UECU issues related to dividend income and interest payments:                      

  • 1099-INT – Most members will receive an Interest Income Statement sent to individuals who earned dividends of $10.00 or more during the tax year (the form is issued by the end of January). UECU also issues forms related to interest income for specific account types: the 1099-Q (for qualified Education Savings Programs), 1099-SA (for distributions from a Health Savings Account), and 1099-R (which reports distributions from an IRA or retirement plan).
  • 1098 – A 1098 mortgage interest tax form reports the interest paid by an individual on real estate loan(s) during the tax year. UECU mails mortgage interest forms for home equity fixed term and home equity line of credit loans. A form will only be generated if the amount paid on a single loan exceeds $0. The 1098 mortgage interest tax forms for mortgages obtained through UECU are handled through third parties that purchased your mortgage. They are responsible for sending you the 1098 mortgage interest tax form. Please contact them directly for additional information.

While paper tax forms are available, now you don’t have to wait to receive your tax forms in the mail. UECU offers Tax E-Forms (as well as Member E-Statements and Visa® E-Statements) to provide you secure, electronic access to your tax forms the instant they are available – from wherever you are. To view your Tax E-Forms, log into Mobile or Online Banking and select Documents and Statements. To learn more about Tax Formsclick here for our FAQs.


Mobile and Online Banking Transfers – Simply log into Mobile or Online Banking to set up a one-time or recurring transfer. You can easily transfer money between your UECU accounts. You can also send money to other UECU members, friends and family at other financial institutions, or accounts you have at other financial institutions.

Phone Transfers – This service provides you the convenience of electronically transferring funds to and from deposit accounts at other financial institutions. Simply pick up the phone and call us at 800.288.6423.

TurboTax® and H&R Block

Save on TurboTax® and H&R Block® This Tax Season

Get the tax help you need and special member savings with TurboTax and H&R Block.

TurboTax – File with the #1 best-selling tax software, to help you get your taxes done right, and get your maximum refund, guaranteed. PLUS, as a credit union member you can save up to $15 when you file with TurboTax. Get started with TurboTax today!

H&R Block – Whether you want to meet with a tax pro in-office, via drop off, or send your documents virtually, let the tax pros do the rest. H&R Block will always get your biggest possible refund, guaranteed. PLUS, as a credit union member first-time filers receive $25 off their expert tax prep, and returning customers get the Tax Identity Shield® add-on. Get your H&R Block coupon now and save!

Visit for TurboTax and H&R Block offer details and disclaimers.

UECU Member Perks App

The UECU Member Perks App is available to members with a Rewards Checking or Rewards Checking PLUS Account, powered by BaZing. The app is loaded with local discounts and national retailer deals to save you money on travel, entertainment, dining, prescriptions, groceries, clothing, and so much more! With the UECU Member Perks App, you can also access the BaZing benefits: Roadside Assistance, the Health Savings Discount Card, Cell Phone Protection, ID Theft Aid, and Travel Accidental Death Coverage.*

Download the app in the Google Play Store (for Android users) and the App Store (for Apple users), or access it online at To have your BaZing benefit activated, contact a UECU Member Service Representative at 800.288.6423.

*Subject to the terms and conditions detailed in the Checking Benefits Reference Guide. 2 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

Visa Click to Pay

Now, you can Click to Pay with your UECU Visa Power Card™ and Advantages Visa Debit Card™ when you see this icon where Visa is accepted.

You’ll no longer have to enter 16-digit primary account numbers, look up passwords, or fill out long forms to make a purchase at participating online merchant sites where you see the icon.

You’ll enjoy the same time-saving digital checkout everywhere you see the icon and Visa is accepted.

When you’re ready to check out, make sure you Click to Pay with your UECU Visa Card when you see the icon where Visa is accepted.

For questions regarding your Visa Click to Pay account, please contact Visa support at or call 1-855-847-2032, then enter your access code or press number 1 (24×7, except Christmas and New Year’s Day). If calling from outside of the US or Canada, customers can call 303-967-1041, then enter your access code or press number 1. **International calling rates may apply.

Any mention of commercial products within UECU web pages is for information only; it does not imply recommendation or endorsement by UECU.

Visa Purchase Alerts

Help reduce fraud and monitor your spending anytime, anywhere with Real-time* Power Card™ and Debit Card Alerts powered by Visa®.

With near real-time* Power Card™ and Debit Card Alerts powered by Visa, you can receive updates on your Visa card activity. And this unique service is available free for UECU Visa cardholders.

After your Visa card has been used, you’ll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.

How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold—for example, setting it to only receive alerts for purchases above $50.

Select the delivery options that best meet your needs, with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last [four] digits of the Visa card used to keep you best informed.

All this for free for Visa Power Card™ and Debit Card holders. Sign up for UECU at today.

*Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.

Wire Transfers

Domestic wires:   UECU accepts in-bound wires; however, we do not accept direct wire transfers. Our wiring instructions are as follows: Provide your U.S. Bank with the following information to domestically wire your funds to your UECU account via the Vizo Financial Corporate Credit Union, which handles UECU’s wire transfers.

RECEIVING BANK: Vizo Financial Corporate Credit Union 1201 Fulling Mill Road Middletown, PA 17057 ABA# 231387550 BENEFICIARY BANK: Utilities Employees Credit Union 11 Meridian Blvd Wyomissing, PA 19610 ABA# 231385633 BENEFICIARY: Member’s name and account number.

International wires: UECU is unable to directly accept an international wire transfer from a foreign institution since, like most credit unions, we do not participate in the international wire system. However, we may accept international wires that are first sent to a participating U.S. bank that serves as a pass-through / correspondent bank, and can then direct the wired funds to UECU. Once your money reaches the correspondent U.S. bank, the funds can be wired to UECU through the Vizo Financial Corporate Credit Union.

If you have a bank account at a U.S. institution that accepts international wires, please follow these steps to arrange an international wire transfer, followed by a domestic wire transfer from your bank account to your UECU account.

Step 1 – International Wire Instructions: Foreign banks will request your U.S. bank’s IBAN (International Bank Account Number) or SWIFT (Society for Worldwide Interbank Financial Telecommunication) number, which are used as international standard banking codes to uniquely identify each bank. Ask your U.S. bank for their IBAN or SWIFT number so you can provide it to the foreign bank, along with your U.S. bank account number, when you request the international wire transfer.

Step 2 – Domestic Wire Transfer Instructions: Provide your U.S. Bank with the following information to domestically wire your funds to your UECU account via the Vizo Financial Corporate Credit Union, which handles UECU’s wire transfers.

RECEIVING BANK: Vizo Financial Corporate Credit Union 1201 Fulling Mill Road Middletown, PA 17057 ABA# 231387550 BENEFICIARY BANK: Utilities Employees Credit Union 11 Meridian Blvd Wyomissing, PA 19610 ABA# 231385633
BENEFICIARY: Member’s name and account number.