Bill Pay FAQ

No. For your security, never share your password. Instead, designate a joint account holder, beneficiary, or POA. Joint account holders are given their own unique login and password for Online Banking and the Mobile app.

Visit any UFCU branch or call Member Services. These updates cannot be completed online at this time.

A POA can act on your behalf while you are living if you become unable to manage your finances. They can pay bills, deposit or withdraw money, and use Online Banking. Their authority ends at the end of your lifetime.

A beneficiary does not have access to your account during your lifetime. Once a death certificate is presented after your passing, they may claim the remaining funds and then the account will be closed. You may designate multiple beneficiaries and update them at any time.

Yes. A joint account holder can use Bill Pay, transfer funds, and manage payments just like the primary account holder.

A joint account holder shares full access to your account. They are issued their own debit card and given a unique login for use with Online Banking and the Mobile app. They can deposit or withdraw money, pay bills, view transactions, and use Online Banking or the Mobile app. They also share responsibility for fees or negative balances.

You can designate a joint account holder, beneficiary, or Power of Attorney (POA). Each option offers various levels of access depending on your needs. These roles help ensure your accounts can be managed if you’re traveling, unavailable, or facing an unexpected life event.