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Update: Effective July 2018, federal regulations require a minor change in how you deposit checks through SnapCheck. See #2 below for more information.

SnapCheck 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!

1. Endorsement
   Make sure you endorse the back of your SnapCheck checks. Digital deposits must be signed before acceptance.
2. “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 SnapCheck must contain this phrase or they may be rejected. The measure is intended to protect users from mobile check fraud.
3. Deposit “Accepted” vs. “Held for Review”
   Watch for the message at the end of your SnapCheck session to see if your check was immediately accepted or held for review. SnapCheck uses sensitive image recognition software, and anytime it detects the slightest irregularity, it sends the image to be reviewed by a Unitus employee.
4. 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.
5. 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.
6. File Your Checks
   When you’ve made a deposit via SnapCheck, 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 SnapCheck session.

Remember, SnapCheck 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.

Once you log into your account, click on “Open Account” in the top menu bar, then click on “Savings” and select  “New Savings Account” and click the Submit button. Then click on “Go Savings” and click on “Next”. The prompts will allow you to deposit funds into your new Go Savings Account.

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.

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.

To reset your password, visit the New User or Forgot Password page. You can find a link to this page beneath the login button in the uOnline login box. Enter your account number and follow the steps to receive a temporary password via email. This temporary password is good for 24 hours. You will be prompted to change your password after you have logged in with your temporary password.

No. This is a blended rate savings. That means the first $2499.99 earns the rate in the first tier, the next $2500-$4999.99 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 2.47%, $4,999.99 earns 1.49%, $17,500.02 earns 1.00%. The resulting APY, based on the example above, would be 1.20%!