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Savings and Checking Accounts

What types of savings accounts does UECU offer?

UECU offers competitive rates on a variety of savings accounts, including basic (share) savings, educational savings, health savings, money market savings, Individual Retirement Accounts (IRAs), special savings, and CD’s. For more information, Click Here. 

Does UECU offer retirement savings accounts?

Yes, UECU offers traditional and Roth IRAs, IRA certificates of deposit, and Coverdell education savings accounts. For more information, click here. UECU members also have access to additional investment options available through Utilities Employees Investment Services (UEIS). For more information about UEIS, Click Here.

Does UECU offer Checking Accounts?

Yes, UECU offers a Rewards Checking, Rewards Checking PLUS, and a Second Chance Checking. For more information, Click Here. 

Mobile Check Deposit

Does UECU offer mobile check deposit?

Yes, you can deposit checks with the e-Posit™ Mobile service available through UECU’s Mobile Banking App. Click Here and open the Mobile and Online Check Deposit tab to learn more.

How do I endorse a check for e-Posit™ Mobile, UECU’s Mobile Check Deposit Service?

On the back of your check… Write “For Mobile Deposit Only to UECU” (Please note: If the back of your check includes a check box that you can mark for mobile deposit, you can check that box, but still need to include the words “For Mobile Deposit Only to UECU”). Sign Your Name exactly as it appears on the front of the check. If the check has been made payable to multiple payees (people), then each payee will need to sign the back of the check. Click Here and open the Mobile and Online Check Deposit tab to learn more.

Who should I contact if I have questions about e-Posit™ Mobile?
You can contact a UECU Member Service Representative by phone at 800.288.6423 or via Live Chat during regular business hours, weekdays 8 a.m. – 5 p.m. ET, Wednesdays until 3:30 p.m. ET.

Loans

What types of loans does UECU offer?

UECU offers competitive rates on a variety of loans, including auto, credit cards, home equity lines of credit, mortgages, motorcycles, natural disaster, personal, RV, boat, savings secured, and student loan/consolidation. For more information or to apply, Click Here

Does UECU offer mortgages?

Yes, for more information or to apply, Click Here.

Does UECU offer student loans?

Yes, for more information or to apply, Click Here.

Does UECU offer share-secured credit cards?

Yes, for more information or to apply, Click Here

Does UECU offer Auto and Home Insurance?

Yes, for more information, Click Here.

What is Skip-A-Pay?

Enjoy the freedom of skipping your loan payment during the month you need the extra cash the most! Click Here and open the Skip-A-Pay tab to learn more.

Visa Cards

What do I do if my Visa® credit or debit card is lost or stolen?

You can temporarily turn your credit and debit cards off or on with Card Controls. This service is available in our mobile app and Advantages Online™. Look for “Card Controls” in the app menu, or under the “Services” menu in Advantages Online. Click Here and open the Card Controls tab to learn more. To report a card as lost or stolen you can also Click Here for domestic and international phone numbers to call 24/7.

Can I use my Visa® credit or debit card internationally? 

Yes, you may use your Visa® Power Card™ or Advantages Visa® Debit Card™ internationally, everywhere Visa is accepted. If you are traveling internationally, please contact our Member Service Representatives at 800.288.6423 prior to your departure to provide information regarding your travel dates. You can also submit a travel notification to UECU through Card Controls. To get started, log into your account with Advantages Online™.

Can I add my Visa card to my mobile wallet with Apple Pay™, Google Pay, or Samsung Pay?

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. 

How do I request a replacement Visa® credit or debit card?

Please call 800.288.6423, and a Member Service Representative will be happy to assist you.

How can I make a Visa Credit Card payment?

Payments can be made through Advantages Online™, the UECU Mobile Banking App, or by mailing your payment to Utilities Employees Credit Union, Attn: Visa Department, P.O. Box 66702, St. Louis, MO 63166-6702. You can also contact a UECU Member Service Representative at 800.288.6423 to make your payment by phone or set up an automatic transfer from your Checking or Savings Account.

How can I get my Visa credit card limit increased?

Contact a Financial Services Consultant at 800.288.6423, ext. 4001.     

How can I use my UECU Visa®Power Card™ to pay off my credit card or loan at another financial institution?

Call the company and supply them with your UECU credit card number, contact UECU at 800.288.6423 to request convenience checks, or request a cash advance into your UECU checking account or an account at another financial institution. If you need assistance, contact a Member Service Representative at 800.288.6423.

Card Controls

When should I turn off my credit or debit card?

If or when you temporarily misplace your credit or debit card, you can turn off access until you find your card. You can also turn it off during a period of nonuse. Once you locate the card, you can turn it on in seconds online or using the mobile app and continue using it as you did before it was off.

Does turning off my card turn off all card numbers on the same account?

No, you will need to turn off each visa debit and credit card under your member account individually.  

What happens when I turn off my credit card?

Turning off your credit card stops transactions such as purchases, recurring payments, cash advances, and ATM withdrawals and transfers. While your credit card is off, the following transactions are allowed: returns, credits, dispute adjustments, online transfers, payments toward your balance, check posting, setting travel notifications, reward points review and redemption, interest accrual, and ordering a replacement card.

What happens when I turn off my debit card?

Turning off your debit card temporarily stops transactions such as purchases, recurring payments, and ATM withdrawals/deposits. While your debit card is off, the following transactions are allowed: returns, credits, dispute adjustments, online transfers, setting travel notifications, PIN changes, and ordering a replacement card.

Does my account number change when I turn my card off and on?

No. Your account number doesn’t change when you turn your card off and on.

How often can I turn my credit or debit card off and on?

You can turn your card off and on as many times as is necessary online or through the mobile app.

Is there a time limit on how long the card will remain off?

No. The card will remain off until you turn it back on online or through the mobile app.

How is turning my card off and on related to activating my card?

Turning your card off and on doesn’t affect your card’s activation status.

Does the on/off status of my card carry over if I receive a new or replacement card?

If your 16-digit card number remains the same, the on/off status will carry over.
If your card number changes, the on/off status won’t carry over to the new card.

Credit

Does UECU offer credit counseling?

Yes, rebuild your credit with the REACH program. Get an analysis of your credit report, advice for improving your score, and access to UECU’s REACH products. To get started, contact a Financial Services Consultant at 800.288.6423, ext. 4001.

How can I access my credit score?

You have the right to a free credit report from each of the major credit reporting agencies, once per year. That’s up to three free credit reports a year. You can request one by visiting www.annualcreditreport.com. While the reports are free, your score is not, there is a small fee to access your score. For tips on improving your credit, contact a Financial Services Consultant at 800.288.6423, ext. 4001.

How can I get a copy of my credit report?

You have the right to a free credit report from each of the major credit reporting agencies, once per year. That’s up to three free credit reports a year. You can request one by visiting www.annualcreditreport.com. While the reports are free, your score is not, there is a small fee to access your score. For tips on improving your credit, contact a Financial Services Consultant at 800.288.6423, ext. 4001.

Identity Theft Protection

Do you offer Identity Theft Protection?

Because UECU cares about the security of your identity and because we take identity theft very seriously, we offer LifeLock to you and your family members at a discount rate. Use promo code: uecu when signing up for LifeLock. To get started, Click Here

How can I protect myself from Identity Theft?

As a UECU member, you have access to an online resource center where you can find tips on protecting your identity, avoiding phishing scams, guarding your personal information and more! To get started, visit [Insert link for info page] and click on Fraud and ID Protection. To take advantage of the discount rate on LifeLock, Click Here.

Federally Insured by NCUA
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All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.