Digital Card and Payments FAQs

Digital Cards

  • Digital Cards are currently available only for Members who are replacing an existing UFCU debit or credit card. The card being replaced must already be active before a Digital Card can be issued. If you’re eligible for a Digital Card, you will see “Digital Card Available” in Online Banking or “Digital Card” in the Mobile app, under the Cards section. Digital Cards are not available for new card issuance.

  • The following card types are eligible:

    • UFCU Debit Cards
    • UFCU Credit Cards

    The following card types are not eligible:

    • ATM Cards
    • Deposit-Only Cards

  • If you need to replace an active debit or credit card, contact Member Services. A team member can help determine whether a Digital Card is available for your replacement card.

  • If your replacement card is eligible, you may be able to receive a Digital Card and begin using it before your physical card arrives. ATM cards and deposit-only cards are not eligible. If you have any trouble, you can contact (800) 252-8311 for help.

Digital Payments

  • You will need to add your card(s) again and follow the setup steps once more to carry over info to any different or new devices. In some cases, the digital wallet will still hold your cards and just ask you to verify your CVC number on the back of your UFCU debit or credit card. 

  • If your UFCU card is replaced, you will need to re-add your new physical card to Apple Pay® or Google Wallet™ to continue making digital payments. While you are waiting for your replacement, you may be able to receive a Digital Card and begin using it before your physical card arrives. If you have any trouble, you can contact (800) 252-8311 for help.

  • Yes. Digital wallets use advanced security features like tokenization and biometric authentication (such as Face ID, Touch ID, or a device passcode). Your actual card number is never shared with merchants, adding an extra layer of protection. You are also protected from unauthorized purchases with the UFCU and VISA Zero Liability Policy.

  • Once you activate your physical UFCU debit or credit card, you can add it directly to Apple Pay® or Google Wallet™ from your UFCU mobile app in just a few taps.

    After activating your card:

    1. Login to the Mobile app
    2. Go to the Cards section
    3. Select your card and tap ‘Add to Wallet’

    Once added, your card is ready to use.

    For steps to add your card to Garmin Pay™ or Samsung Pay™ please visit: https://www.ufcu.org/resources/member-services/banking/digital-payment-solutions

  • Members can tap to add their eligible UFCU debit and credit cards to Apple Pay® or Google Wallet™ from the UFCU Mobile app for fast, secure, and contactless payments. You can also add your card in the Garmin Pay™ and Samsung Pay™ apps too. Use your digital wallet to pay in stores, online, and in apps — no physical card required.

  • A digital wallet is the modern version of your everyday wallet, allowing you to make secure payments and store essentials like loyalty cards and tickets. It works seamlessly across desktops, laptops, mobile devices, and wearables for quick and convenient access anytime.

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.