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Popular Questions
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 with eStatements, or $2.00/month for those without. Keep snapping those checks, and save yourself the time and hassle of making a special trip to the branch!
—Porter
Our routing number is 323075699.
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: 10000199240616
If 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.
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.
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.
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.
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 depositOur policy is to make funds from your check deposits available to you on the business day that we receive your deposit. Check holds are placed on a case-by-case basis. If a hold is necessary, funds will generally be available no later than the seventh business day after the day of your deposit. The first $200 of your deposit, however, may be available on the first business day.
Funds from any deposit (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the fifth business day after the day of your deposit.
Simply login to uOnline to check or redeem your points. Hover over ‘Services’. Then select ‘Unitus Rewards.’
(Please note: You will not be able to view the Unitus rewards information unless you disable pop-up blocking in your browser.)
When you receive a replacement Unitus Visa card, you may need to update your Digital Wallet with your new card information.
Contact Us
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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.
Contact us by email
Please note that when you’re sending us an email, do not include personal information such as your account number or social security number.