Frequently Asked Questions > uOnline

uOnline

What is uOnline?
How much does uOnline cost?
Do I need to register to use uOnline?
What do I need in order to begin using uOnline?
Can I pay bills with uOnline?
Which accounts can I access with uOnline?
Does uOnline support Quicken?
Can I stop a payment I have scheduled or on a check I have written?
What should I do if I have a question or a problem?
Can I use personal finance software such as Quicken or Microsoft Money to schedule my bills to be paid electronically?
Are there limits to the number of transfers I can make between accounts within uOnline?
Are there any limits on how many times a day I can log into uOnline?
How can I export my account history to Quicken or Microsoft Money?
Can I use uOnline directly from Quicken or Microsoft Money?
Can the joint owner on my account use uOnline?
What are the business hours for uOnline?
What if my account information is not correct or does not appear on uOnline?
What do I do if I forget my account number, my password or the answers to my 2nd Factor Authentication questions?
Why can't I log in successfully?
If I provide my e-mail address through uOnline, what will you using it for?
How secure is uOnline?
Can I access uOnline from any location?
Do I need any special software to use uOnline?
How do I determine which browser I'm using?
What happens if I forget to log out of uOnline?
When do images of my checks become available online and how can I access them?
How do I sign up for eStatements?
uOnline Maintenance Window

Bill Pay

What is Bill Pay?
What does Bill Pay cost?
How do I access Bill Pay through uOnline?
How do I enroll in Bill Pay?
I've enrolled in Bill Pay. What do I do now?
What is required to use Bill Pay through uOnline?
If my money is withdrawn from my account to pay a bill electronically but it takes 2-5 business days for my payment to be received, is someone earning interest on that money?
How do I cancel Bill Pay?
Can I pay my bills through Bill Pay from my savings account?
What if I have a general question about the service?
What's the difference between single, multiple, and recurring payments?
How do I set up a payee/merchant?
Do I have to set up my payees every time I make a payment?
Is there a maximum number of merchants I can set up?
Are there any merchants I can't pay?
What if the account number or address changes at the merchant?
How many days in advance should I schedule my payments?
Do I need to contact my merchants to tell them I'm using an online Bill pay service?
When must funds for the payment be in my account?
What if the money is not available in my account?
Can I pay bills from outside the US with Bill Pay?
Is there a maximum dollar amount for each payment?
How far out can I schedule a payment?
How do I verify if a bill has been paid?
Who pays for the late charges if my bill was paid late?
Can I cancel a scheduled payment?
Can I stop a payment with Bill Pay?

uTransfer

How long will it take to complete a transfer between Unitus and another financial institution using uTransfer through uOnline?
What happens if I don't have enough funds in my account to cover a recurring or scheduled transfer?
What is the daily limit for uTransfers?

2nd Factor Authentication

What is 2nd Factor Authentication and why is Unitus requesting this additional information?
How many questions do I need to answer when setting up 2nd Factor Authentication?
Who do I contact if I have further questions regarding 2nd Factor Authentication or other security-related issues?

eMailbox

What is eMailbox and how can I access it?
Can I use eMailbox to send emails to other Unitus members?
How will I know if I have received an email response from Unitus?
How do I reply to emails that I have received in my eMailbox Inbox?
Can I save or delete my emails within my eMailbox Inbox?
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uOnline

Q: What is uOnline?
A: uOnline is an online banking tool that is convenient and secure way to access your Unitus accounts 24 hours a day, 7 days a week. With uOnline you can:

  • View your account history and account balances
  • View electronic statements (eStatements) on your accounts and credit card
  • View images of cleared checks
  • View pending transactions (e.g., debit card purchases and automatic payments)
  • Transfer funds between Unitus accounts immediately
  • Transfer funds between Unitus accounts and your accounts at other financial institutions
  • Order checks
  • Set-up customized account security features such as Account Alerts and Customized Welcome Page
  • Open accounts and apply for loans
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Q: How much does uOnline cost?
A: uOnline and Online Bill Pay are free to all members. Online Bill Pay carries an inactivity fee of $10 if one bill is not paid within a 30 day period.

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Q: Do I need to register to use uOnline?
A:If you have previously used uOnline and have a password, you do not need to register to use uOnline. If you do not currently have a password, you will need to register. Once a password is established just click on the uOnline Logon link on Unitus's website, enter your account number and password and you are ready to use uOnline for your online banking needs.

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Q: What do I need in order to begin using uOnline?
A: To access your account through uOnline, you will need the following:

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Q: Can I pay bills with uOnline?
A: Absolutely - and you can do it for FREE! If you do not currently have Bill Pay, you can enroll within uOnline by clicking on "Bill Pay" within the navigation bar on the left side of your screen.

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Q: Which accounts can I access with uOnline?
A: You can access all of your Unitus accounts, including checking, savings, credit card, and loans.

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Q: Does uOnline support Quicken?
A: Yes, uOnline supports Quicken. uOnline supports the most current version of the Quicken client software plus two prior years. For example, in January 2008, Intuit will support 2008, 2007 and 2006. Versions for 2005 will no longer be supported.

In order to maintain the download functionality within uOnline, you will need to make sure that you upgrade to the latest version which can be obtained at Intuit’s website http://www.intuit.com/downloads/.

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Q: Can I stop a payment I have scheduled or on a check I have written?
A: Yes. To stop a payment on a check you have written, click on the "Account Services" link within the navigation bar. Select "Stop Payment" and choose the account, check number or range of checks. To stop a payment made through Bill Pay that has not cleared, call Unitus at 1-800-452-0900.

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Q: What should I do if I have a question or a problem?
A: You have several options to select from when you need a question answered. We keep our FAQ updated with answers to the most common questions for your convenience. If you can't find the answer you're looking for, you can contact us directly and securely through your uOnline eMailbox account. You can also call us directly at 1-800-452-0900.

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Q: Can I use personal finance software such as Quicken or Microsoft Money to schedule my bills to be paid electronically?
A: Currently all uOnline functions, including Bill Pay, can only be accessed via Unitus's website. We continue to look into the possibility of offering access via personal financial software but currently do not offer it.

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Q: Are there limits to the number of transfers I can make between accounts within uOnline?
A: There are no limits on the number of transfers you can make from your Unitus checking accounts or lines of credit. However, federal regulations limit the number of electronic transfers from savings accounts to a maximum of six per month. The maximum number includes electronic transfers made from Telephone Teller. For your convenience, uOnline tracks the number of transfers made on these accounts.

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Q: Are there any limits on how many times a day I can log into uOnline?
A: There are no limits on how often you can log into and use uOnline. Visit uOnline as often as you would like!

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Q: How can I export my account history to Quicken or Microsoft Money?
To download your transaction history to Quicken or Microsoft Money, begin by logging in to uOnline. Then, click on the appropriate account in the listing on the Account Info page and you will be presented with the transaction history for the selected account. At the bottom of the Account History page, there is a drop-down menu labeled "Download history as." Select the appropriate option from this menu based on the version of Quicken or Microsoft Money you use and you will be prompted to select the location on your hard drive to which you would like to save the transaction history file. Choose a location and download the file. When the download is complete, open the file in Quicken or Microsoft Money to import the transaction history.

Should you wish to download a transaction history for a specified time period, follow the steps above until you are at the Account History page. Then, click on the tab labeled "Detail Search," select the time period you would like to view, and click the Search button. You can then proceed to download the transaction history using the drop-down menu as in the instructions above.

View Quicken tutorial page »

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Q: Can I use uOnline directly from Quicken or Microsoft Money?
A: Not at this time. Currently you must use your Web browser to access uOnline. Unitus supports any version of Quicken and Money that allow import of files that meet Open Financial Exchange (OFX) standards. You can export your account history as a file and import the file into Quicken or Money.

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Q: Can the joint owner on my account use uOnline?
A: Yes, joint owners can access the account in the same way that you can as the primary owner. Please note that there is only one password allowed per Unitus account, which requires that you provide your joint owner with your password. They must also be able to answer the 2nd Factor Authentication questions that you provided. Please note that this password should only be given to the joint owner(s) on the accounts for security purposes.

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Q: What are the business hours for uOnline?
A: uOnline is available to you 24 hours a day, 7 days a week, and 365 days a year. If you need to reach Unitus Community Credit Union regarding a question or problem, a member service representative will be available to respond to your email or telephone call Monday through Friday, 7:30am - 6:00pm PST and Saturday, 7:30am - 4:00pm PST.

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Q: What if my account information is not correct or does not appear on uOnline?
A: Please call us at 503-227-5571 or 1-800-452-0900 during business hours to speak with a member service representative.

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Q: What do I do if I forget my account number, my password or the answers to my 2nd Factor Authentication questions?
A: You will need to call us at 503-227-5571 or 1-800-452-0900 during business hours so that we may provide you with the information you need and/or reset your password.

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Q: Why can't I log in successfully?
A: You may be locked out. As a security feature, if you unsuccessfully attempt to log in to uOnline five times, online access will be denied for your protection. This is to prevent someone from trying to access your account by guessing your password. If you are having difficulty logging in, please call Unitus at 503-227-5571 or 1-800-452-0900.

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Q: If I provide my e-mail address through uOnline, what will you using it for?
A: We would like to have your current e-mail address on record as a way of notifying you in regards to important account information. From time to time, with your permission, we may also send you notification about special offers. Your e-mail address on record is also where we will send your temporary password in the event you forget your current password. We respect our members' privacy and will never sell or give your e-mail address to anyone, including third party vendors.

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Q: How secure is uOnline?
A: Very secure. Unitus uses state-of-the-art network security to ensure your account information is fully protected and secure. Refer to our Security page for more detailed information.

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Q: Can I access uOnline from any location?
A: Yes, as long as you have access to the World Wide Web, you may use uOnline from any location in the world, 24 hours a day.

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Q: Do I need any special software to use uOnline?
A: No. You just need the software that you would normally use to access the World Wide Web, including a Web browser. There are no special disks or software required.

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Q: How do I determine which browser I'm using?
A: Once your browser is open, simply look at the name of the software in the Title Bar (for example, Microsoft Internet Explorer). If you have additional questions, cannot find the Title Bar, or are having trouble accessing the Internet, please call Unitus at 503-227-5571 or 1-800-452-0900.

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Q: What happens if I forget to log out of uOnline?
A: The session will remain active for about two minutes before automatically logging you out.

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Q: When do images of my checks become available online and how can I access them?
A: We strive to make images available as soon as possible for your convenience. When the images become available to you depends on how quickly it is processed by the institution that is used by the party you wrote the check to.

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Q: How do I sign up for eStatements?
A: Once logged into uOnline, select "eStatements" from the navigation bar located on the left side of your screen.

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Q: uOnline Maintenance Window:
A: Regularly: Wednesdays 5:00am to 7:00am
Occasionally: Sundays 5:00am to 12:00pm (for large upgrades or major system work)

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Bill Pay

Q: What is Bill Pay?
A: Bill Pay allows you to pay bills or make other payments from your checking account through uOnline via the internet. Payments can be scheduled 24 hours a day, 7 days a week from anywhere in the world. Best of all, the service is free to our members.

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Q: What does Bill Pay cost?
A: Bill Pay is free to all members of Unitus Community Credit Union who choose to use it. In addition to being a convenient and secure way to pay bills, it is also cost-effective. We just ask that you use the service. An Inactivity Fee will be assessed if at least one bill is not paid within a 30-day period of time.

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Q: How do I access Bill Pay through uOnline?
A: Log into uOnline and select the "Bill Pay" option within the navigation bar.

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Q: How do I enroll in Bill Pay?
A: You can enroll through uOnline by selecting the "Bill Pay" option within the navigation bar. The first time you select this link, an enrollment screen will be displayed. There are no forms to complete and no paperwork to submit, just review and agree to the terms and conditions and your enrollment process is complete. It normally takes 2-3 business days for your enrollment to be captured and established. Once enrollment is complete, you can begin adding payees and scheduling payments immediately.

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Q: I've enrolled in Bill Pay. What do I do now?
A: It normally takes 2-3 business days for Bill Pay to capture your enrollment. When you utilize Bill Pay for the first time, you must add payees prior to scheduling payments. You can access Bill Pay directly from uOnline by selecting "Bill Pay" from the navigation bar.

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Q: What is required to use Bill Pay through uOnline?
A: You must have a Unitus Community Credit Union checking account, an Internet browser that meets our minimum requirements (e.g., Internet Explorer 6.0 or Netscape 6.0 or greater for a PC; Internet Explorer 5.1 or Netscape 6.0 or greater for a Mac), and Internet access to use the service.

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Q: If my money is withdrawn from my account to pay a bill electronically but it takes 2-5 business days for my payment to be received, is someone earning interest on that money?
A: Although our third party payment processor does benefit from any "float" on the funds, that interest is factored into the service fees that are charged to the Credit Union for the service they provide. This enables the Credit Union to offer Bill Pay to our members at no charge.

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Q: How do I cancel Bill Pay?
A: To cancel Bill Pay, visit a Unitus branch or call us at 503-227-5571 or 1-800-452-0900.

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Q: Can I pay my bills through Bill Pay from my savings account?
A: Unfortunately, you can't. You are only able to pay bills through your Unitus checking accounts.

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Q: What if I have a general question about the service?
A: There are detailed help screens available by pressing "?" at anytime during your Bill Pay session. You can also send us a message by using the "Messages" feature located in the upper right hand corner of your screen. Bill Pay support is also available by phone 24 hours a day, 7 days a week by calling 877-904-8126. For all other inquiries regarding your Unitus accounts, please call us at 503-227-5571 or 800-452-0900.

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Q: What's the difference between single, multiple, and recurring payments?
A: Single payments are used when you want to pay one bill to one merchant.

Multiple payments are used when you want to pay more than one bill to more than one merchant.

Recurring payments are used when you want to schedule a payment to occur on the same date, for the same amount, to the same merchant on a regular basis. A mortgage payment is a good example of when you would use the recurring payment feature.

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Q: How do I set up a payee/merchant?
A: First, click the "Payees" tab to create or access your Payee List. Click the "Add Payee" button and complete the on-screen form by entering the information that appears on yru bill from the merchant. Next, click the "Add Payee" button and note the confirmation number that appears on the screen; the confirmation number verifies that your bill payment request has been made. The new payee appears on the list of payees with a status of "Pending". The status will change to "Available" when the payee has been completely processed.

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Q: Do I have to set up my payees every time I make a payment?
A: Absolutely not! Once you've completed the initial set up of your merchants, simply select the available merchant from yoru payee list and enter your payment instructions.

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Q: Is there a maximum number of merchants I can set up?
A: You can have up to 45 payees in your payee list.

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Q: Are there any merchants I can't pay?
A: You cant' pay any governmental agencies including (but not limited to) taxing authorities, such as federal, state, and local taxing agencies, or recipients of court-ordered payments, such as alimony or child support.

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Q: What if the account number or address changes at the merchant?
A: You can change merchant data at any time, night or day.

Simply click the "Payees" tab and select the "Change Payee" icon next to the payee you want to change. Make any desired changes in the Nickname or Account Number fields, and then click the "Submit Changes" button.

Note the confirmation number that appears on the screen; it is your electronic receipt. If your payee changes their billing address, you will need to delete them from your payee list and re-add them with the new address.

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Q: How many days in advance should I schedule my payments?
A: Schedule your payments between 2 to 5 business days in advance of your payment due date.

The "Business Days to Pay" appears next to every payee when you make or schedule a payment. It also appears on the payees tab. For example, if your bill is due on the 15th of the month, and the "days to pay" is 5, schedule your payment to occur on or before the 10th of the month. Remember to only include business days in your calculations. Do not include Saturdays, Sundays, or holidays.

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Q: Do I need to contact my merchants to tell them I'm using an online Bill pay service?
A: Definitely not. Using our Bill Pay service will not change how payments are credited to your account.

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Q: When must funds for the payment be in my account?
A: As a general rule, funds must be available in your checking account by midnight the day before your payment has been scheduled. If you are making a "today" payment, your funds must be available at the time you log in to Bill Pay.

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Q: What if the money is not available in my account?
A: We will attempt to withdraw the funds for your account once but if the funds are not available, the payment will not be processed and you will be contacted by Member Services to reschedule the payment. Funds will not be pulled from your overdraft account .

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Q: Can I pay bills from outside the US with Bill Pay?
A: Yes, as long as the merchant and merchant address are within the United States. All payments must be made in US dollars.

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Q: Is there a maximum dollar amount for each payment?
A: Yes, the maximum amount per payment is $9,999.99. There is no maximum daily limit for payments.

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Q: How far out can I schedule a payment?
A: You can schedule a payment up to 40 years in advance!

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Q: How do I verify if a bill has been paid?
A: The bill payment transaction will appear in the "online completed" and "payment history" screens.

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Q: Who pays for the late charges if my bill was paid late?
A: You'll be responsible for the late charges if you did not do one of the following:

  1. Enter the correct due date;
  2. allow the required days to pay before the due date;
  3. enter the correct account information;
  4. enter the correct merchant information; or
  5. have sufficient funds available in your account the morning the payment is scheduled.
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Q: Can I cancel a scheduled payment?
A: You can change the dates, amounts, and the account to pay from for payments you scheduled in your current session or in a previous session. However, you may only change a payment scheduled for today during the session when you first entered it.

If you want to change the payee for a scheduled payment, you must delete the payment and then schedule a new payment to a different payee. To change a payment, click the "Change" icon in the row of the payment that you want to modify.

Any changes you made will appear on the list of scheduled payments.

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Q: Can I stop a payment with Bill Pay?
A: Not once the funds have been deducted from your account. Electronic payments cannot be stopped once they have been sent. Once the merchant has received your payment, you can inquire with the merchant about a refund.

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uTransfer

Q: How long will it take to complete a transfer between Unitus and another financial institution using uTransfer through uOnline?
A: Transfers made via uOnline from your Unitus accounts to your accounts at other financial institutions normally takes about three days. When setting up a transfer to another institution, the account needs to be verified, which can take up to three days. You will be required to validate the verification to ensure the appropriate accounts are set up properly and funds reach the intended account.

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Q: What happens if I don't have enough funds in my account to cover a recurring or scheduled transfer?
A: The funds will not be transferred. It is important to make sure that funds are available before completing a transfer.

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Q: What is the daily limit for uTransfers?
A: The maximum amount you can transfer between institutions per day is $5,000.

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2nd Factor Authentication

Q: What is 2nd Factor Authentication and why is Unitus requesting this additional information?
A: Security enhancements continue to be a top priority for Unitus. 2nd Factor Authentication provides an additional layer of security for you during the login process. The information collected will be used for a second piece of identification if your uOnline session meets a pre-defined set of criteria.

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Q: How many questions do I need to answer when setting up 2nd Factor Authentication?
A: You must answer at least 4 of the questions that are displayed. The answers you provide are not case-sensitive.

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Q: Who do I contact if I have further questions regarding 2nd Factor Authentication or other security-related issues?
A: You can select the "Security" option from the navigation bar and then select "Security FAQs" or call us at 503.227-5571 or 1-800-452-0900.

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eMailbox

Q: What is eMailbox and how can I access it?
A: The new eMailbox feature will allow you to securely communicate with Unitus through uOnline. Once you have logged into uOnline, you will see "eMailbox" within the navigation bar on the left-hand side of your screen. Just click the "Compose New Email" button at the bottom of the Inbox to send Unitus an e-mail message.

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Q: Can I use eMailbox to send emails to other Unitus members?
A: The eMailbox feature can only be used to send messages directly to Unitus Community Credit Union.

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Q: How will I know if I have received an email response from Unitus?
A: All responses to your email inquiries will be sent to the eMailbox Inbox. In addition to the number of incoming emails showing on navigation bar, Unitus will send an email notification to your personal email address to alert you that there is a new message waiting for you in your uOnline eMailbox.

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Q: How do I reply to emails that I have received in my eMailbox Inbox?
A: To send a reply to an email in your Inbox, simply click on the subject line of the email then click Reply. A text box will appear where you can compose your message.

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Q: Can I save or delete my emails within my eMailbox Inbox?
A: Yes. In the Inbox, there will be able select "Archive" or "Delete" each email. Archived emails will be saved in the Archived folder, which can be accessed via the Archive sub-menu. We will retain the last 25 items saved during the past 6 months.

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