Money Market 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.

  • To help verify identities and comply with federal regulations designed to prevent financial crimes, UFCU requires anyone making an in‑branch deposit to any account to present:

    • A valid, government-issued photo ID or another acceptable form of identification
    • Any additional identifying information required under federal law

    If you are unable to provide a valid photo ID, your in-branch deposit transaction may be denied.

    If you need to make a deposit without a photo ID, consider an electronic option instead. Work with the account owner to determine what will work best. Common alternatives include ACH transfers, secure digital payment solutions (such as Apple Pay®, Google Pay™, Samsung Pay™, PayPal™, VISA®, and others), or peer‑to‑peer platforms like Zelle® and Plaid®, which UFCU supports. Learn more at UFCU.org/DigitalWallet.

    UFCU team members are always available to help if you have questions or need guidance.

  • If you temporarily misplace your debit card, lock your card in Digital Banking using Card Keeper™. Log in to Digital Banking, choose Card Keeper™ » Manage Cards and select the card you want to manage. Then click the toggle to lock or unlock your card.

  • Card Keeper™ is a Digital Banking security feature that gives you complete control over your cards. You can temporarily lock or unlock a misplaced card, update your PIN, and view spending limits — all in one secure place.

  • If you already enrolled in a Credit Coach account with UFCU, you can link your account in Digital Banking.

    1. Log in to either Online Banking or the Mobile app
    2. Find the credit score widget and click Enroll
    3. Click ‘Already have an account? Login’ and follow the steps

  • Please visit UFCU.org or contact UFCU directly for the latest information on this loan program.

  • We encourage you to visit an official government site for the latest information on the shutdown.

  • Yes. UFCU maintains strict confidentiality with all Member information and will handle your request with care and discretion.

  • We recognize that even a short disruption can cause financial stress for some Members. We encourage Members to contact us as soon as they anticipate difficulty so we can provide support.

  • Each application is reviewed by a loan officer. The process is quick, and our team will work with you to determine eligibility and next steps.

  • Some loan processing may slow down due to IRS and SSA verification delays. Please follow our standard loan application process or contact us for additional guidance.

  • These benefits are expected to continue, but processing of new applications and customer service may be delayed.

  • UFCU is activating its Emergency Loan Program to support Members impacted by a potential federal government shutdown. This program will provide immediate funds to help bridge income gaps. Contact us to learn more.

  • Bonus Points Earned Bonus Points Issued
    Spring (March-May) July
    Summer (June-August) October
    Fall (September-November) January
    Winter (December-February) April

More Money Market FAQs

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