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Popular Questions
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Mobile Deposit was made to help you make your mobile checks quickly and easily. Here are some quick tips and tricks to make sure your deposits are done in a snap!
- Endorsement
Make sure you endorse the back of your Mobile Deposit checks. Digital deposits must be signed before acceptance. - “For mobile deposit only”
Make sure you write “For mobile deposit only” in the endorsement area of your check. Due to an amendment to “Regulation CC” passed by the Federal Reserve, all checks deposited through Mobile Deposit must contain this phrase or they may be rejected. The measure is intended to protect users from mobile check fraud. - Deposit “Accepted” vs. “Held for Review”
Watch for the message at the end of your Mobile Deposit session to see if your check was immediately accepted or held for review. Mobile Deposit uses sensitive image recognition software, and anytime it detects the slightest irregularity, it sends the image to be reviewed by a Unitus employee. - Deposit Verification
If your deposit is immediately accepted, your balance will update within minutes. If it is held for review, Unitus will verify the image and notify you by email within one business day whether the deposit has been accepted or whether the deposit should be resubmitted. If you wish to check your new balance via the Unitus mobile app, log out and log back into your account. - Contact Email
Notifications are sent to the prime email address for your account. Please make sure we have up-to-date contact info so we can communicate. - File Your Checks
When you’ve made a deposit via Mobile Deposit, file the check for 30 days for record-keeping purposes, and then you may shred it. To keep your records in order, we suggest writing the reference number on the item once you complete your Mobile Deposit session.
Remember, Mobile Deposit is a free service for members. Keep snapping those checks, and save yourself the time and hassle of making a special trip to the branch!
- Endorsement
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Our routing number is 323075699.
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You can find the correctly formatted account number on the bottom of one of your Unitus checks. The first group of numbers on the left is the Unitus routing number. The next group of numbers is your account number.
For direct deposit, you’ll need a 14-digit number. To convert your Unitus checking account number into a correctly formatted 14-digit number, add “1” to the beginning, then add zeros between the “1” and your account number, as needed, to reach 14 digits. Here is an example:
Example account number: 199240616
This account number is 9 digits long, so we’ll add 1 plus four zeros to the front of the number to reach 14 digits: 10000199240616If you have questions, visit a branch or call our contact center at 503-227-5571 or 1-800-452-0900 to obtain the correctly formatted account number for direct deposit.
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A POS or “Point of Sale” transaction is a purchase made with your Visa debit card and you are required to enter your PIN on a keypad. POS transactions post to your account immediately. On your statement, a POS transaction will show the amount and the address (and sometimes) the name of the merchant.
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If you discover an unauthorized transaction on your account or if your card is lost or stolen, immediately contact Unitus by calling 503-227-5571 or 1-800-452-0900.
After business hours you can call 503-423-8315 or 1-800-422-3132 and choose option # 2.
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Once you log into your account, hover over “Add Account” in the top menu bar, then click on “Go Savings”. The prompts will allow you to deposit funds into your new Go Savings account.
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uTransfer is an online tool members can use to transfer money from one institution to another. It is a member-initiated transfer, unlike Online Bill Pay. The member has to set up a withdrawal from another financial institution to deposit into their Unitus account or schedule a withdrawal from their Unitus account to go to another financial institution.
uTransfer is a free service provided to each and every member of Unitus Community Credit Union.
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Simply put the Unitus ACH routing number and your ACH formatted account number on the authorization form provided to you by your employer or check issuer.
Get more information about direct deposit -
To ensure your payment is sent correctly, please provide Unitus with the most up-to-date information according to your most recent bill statement. When entering the payee’s information, keep in mind that each entry box is important.
- Payee Name: Refers to the payee’s business name. For example, AT&T, PGE, Waste Management, etc.
- Payee Nickname: Refers to what you choose to label this payee. This is especially helpful if there is more than one account held with a particular payee. You might label this payment “John’s Cell Phone” and another AT&T payment as “Marcia’s Cell Phone”, as the payments are going to the same payee, but the account numbers are different.
- Name on Account: Allows the merchant to post your payment correctly. If you’re sending a payment to AT&T for John’s cell phone payment, the Name on Account would be John’s full name for easy reference, such as “John Doe”.
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No. The first $2,499.99 earns the rate in the first tier, the next $2,500-$4,999.99 earns the rate in the second tier, and so on. When interest is paid to the account, the total interest amount is a combination of the amount earned in each tier. Example! If your balance is $25,000, it earns interest like this: $2,499.99 earns 1.98%, the next $2,499.99 earns 0.75% and the remaining $20,000.02 earns 0.25%.
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Monday–Friday: 7:30 a.m. to 6:00 p.m.
Saturday: 7:30 a.m. to 4:00 p.m.
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Please note that when you’re sending us an email, do not include personal information such as your account number or social security number.
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