Digital Payment FAQs

Instant Payments

  • Instant payments are a fast way to receive money directly into your UFCU account, typically within seconds, even outside normal business hours.

  • To receive an instant payment, the sender must initiate the payment from their financial institution. You may need to provide your 13-digit UFCU account number and/or UFCU’s routing number (314977405).

    You can find your account number in Online Banking or at the bottom of your checks.
    For help locating your account details, visit Online Banking FAQs.

    At this time, UFCU Members can receive instant payments only.

  • Instant payments appear in your transaction history within Online Banking and the Mobile app. You might see such labels as:

    • “FedNow deposit”
    • “RTP deposit”
    • “Faster payments”
    • “Deposit” or “Transfer”

    The transaction description might also include:

    • The sender’s name
    • The sending financial institution
    • A payment processor name

  • In most cases, instant payments are delivered within seconds. Timing may vary depending on the sending financial institution.

  • No. UFCU does not charge a fee to receive instant payments. Any fees are determined by the sending financial institution.

  • FedNow and RTP (Real-Time Payments) are payment networks that allow financial institutions to send money instantly between accounts. UFCU uses these networks to enable Members to receive instant payments from other financial institutions.

  • No. You can receive instant payments automatically when one is sent to you. At this time, UFCU Members can receive instant payments only.

  • There are several reasons you might receive an instant payment:

    • Someone sent you money from another bank or credit union
    • A business issued a refund or reimbursement
    • A payroll or disbursement payment was processed

    If you don’t recognize the transaction, contact the sender.

  • Instant payments can be sent at any time, including weekends and holidays, depending on the sending financial institution.

  • Most instant payments are delivered within seconds. In some cases, availability may vary due to processing or review.

See Mobile Wallet Terms and Conditions.