United federal credit union mobile deposit funds availability

  • Online Banking
  • Mobile Banking
  • Electronic Statements
  • Bill Pay
  • Mobile Deposit
  • Money Desktop

See What Online Banking Offers For Your Busy Lifestyle

Check account balance or account activity 24/7 from your computer, tablet or smartphone, securely pay your bills, even in advance, knowing they will be paid on time, and setup email or text alerts* and notifications that let you know if your account balance is low or a payment is due. Other features include:

The American United online enrollment takes only minutes to complete. Online Banking allows our members to receive the best financial services and products available.

  • View account history and payment history
  • View and print cleared checks and statements
  • Safely and quickly transfer funds between accounts, or to friends and family accounts (even if located at another financial institution)
  • Deposit checks through Mobile Deposit
  • Sign up to receive eStatements
  • Make loan payments
  • Receive promotions and updated information about services

Enroll Now

Mobile Banking

Access your American United account from your mobile devices. Check your balance, deposit checks, pay bills and transfer money*. Download the app for Apple and Android devices to access your accounts wherever you are. On your mobile device, visit the app store and search for “AUFCU” or “American United,” then download the app for free.

Update Mobile Preferences

  • Login to your Account (Must sign up for Online Banking before proceeding)
  • Under Preferences, select Mobile
  • Click along the three tabs: Mobile Enrollment, Mobile Authorizations, Text Banking

Electronic Statements (eStatements)

Save a tree and reduce those piles of paper with eStatements. Through online banking, your statements are available to view anytime you need them. Need your 1099? Get it quickly in your eStatements account. You must be signed up for online banking to get eStatements. It’s quick and easy, and not only the green thing to do, but the smart thing to do.

Check out These Great Features

  • eStatements look exactly like the paper statements you receive by mail and are safely and securely accessed online
  • Download eStatements onto your computer for your personal use
  • No more filing then shredding monthly paper statements
  • Prevent identity theft by minimizing the amount of personal financial information that travels through the mail
  • View up to 24 months of history online
  • Save money, allowing us to pass the savings to our members (paper statements cost money to print and mail)
  • Access your account statement days before your paper statement arrives in the mail
  • Have your financial account statements delivered securely and electronically each month

  • Log in to your Account (Need to sign up for Online Banking before proceeding)
  • Under Preferences, select eStatements Enrollment
  • Accept eStatement Agreement

Bill Pay

Save yourself the worry of paying your bills late with American United’s free online bill payment service. Quickly and securely pay all of your bills: Utility, gas, mortgage, medical and credit cards from one convenient location using your computer, handheld or tablet. End the hassle of writing checks, paying postage and wondering if they arrive on time.

Check out These Enhancements

  • Access Bill Pay from your mobile phone
  • Receive email and text notifications
  • Send gift checks and donations
  • Dashboard management tool which gives easy access to your full financial picture
  • Increased member support through the message center, email and live chat
  • Ability to set up email payments
  • A true business Bill Pay option

  • Log in to your Account (Need to sign up for Online Banking before proceeding)
  • Under Transactions, select Bill Pay
  • Agree to Terms and Conditions

Mobile Deposit

Life is busy, which is one reason we upgraded the online services to include Mobile Deposit. Use any of your mobile devices with a camera to deposit checks for free. Here are some benefits:

More About this Great Technology

  • Convenience – Log in and make deposits from anywhere
  • Easy to Use – Easily and quickly deposit funds
  • Less Effort – Saves not only time, but gas by not needing to drive to a branch
  • Expanded Footprint – Receive the latest and best technology
  • Secure – Highest security measures to ensure deposits are correct, providing peace of mind

  • Log in to your Account (Need to sign up for Online Banking before proceeding)
  • Under Services, select Mobile Deposit Enrollment
  • Agree to Terms and Conditions

Alerts received as text messages on your mobile devices may incur a charge from your mobile service provider.

Money Desktop

MoneyDesktop is a personal financial management solution that is integrated directly with American United’s online banking. It is used to combine all internal and external financial accounts into one area, allowing for a quick overview of all of your financial accounts.

  • Log in to your Account (Need to sign up for Online Banking before proceeding)
  • Under Services, select MoneyDesktop

How long does mobile deposit take United Federal Credit Union?

There will be a standard 3 business day hold on all checks deposited unless otherwise approved by UCU.

How long does it take for a check to clear UFCU?

For deposits of U.S. Treasury checks made payable to you, checks written on a UFCU account and the first $225.00 of your deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 1st business day after the day of deposit.

How soon are funds available after mobile deposit?

Unless a hold is placed, deposits on a business day before cutoff time will be processed that night and are generally available the next business day.

How do I mobile deposit with United Federal Credit Union?

Simply grab your mobile phone and the checks for deposit, and log in to the UFCU mobile banking app. Don't have the app? Download it from the Apple App Store or Google Play. Be sure the checks are endorsed on the back side, adding “For Mobile Deposit” below your signature.