Banking: Frequently Asked Questions
Q: Where are Union Federal offices located and when are they open?
A: We have six convenient locations to serve you. To find out where they are and when they are open please visit our Locations page.
Q: What types of accounts do you offer?
A: We offer a wide variety of products to our customers. For a listing of our products and services, please click our Deposit Services and Lending Services menus above. If you have further questions, please contact us.
Q: Are my deposit accounts FDIC insured?
A: Yes. Each individual customer is insured by the FDIC up to at least $250,000. You may be entitled to more FDIC insurance depending on the ownership of your accounts. For more information about your coverage, please visit the FDIC website.
Q: Why could a hold be placed on my check deposits?
A: Our normal procedures are to place a two business day hold on most checks. This time allows us to begin the check clearing process through the Federal Reserve System. On a case by case basis, a longer hold may be placed on deposits over $5,000 or in cases where the collectability of the check is in question. If a longer hold is placed on your check, you will receive a form detailing the hold amount and reason. Please refer to our Funds Availability Policy for more information.
Q: How do I set up Direct Deposit of my payroll check?
A: If your employer participates in a direct deposit program, simply provide our routing/transit number and your account number to the human resources or payroll department at your company. These numbers are listed at the bottom of your check so most employers will ask for a voided check to begin the process.
Q: How do I set up Direct Deposit of my Social Security check?
A: You will need to provide the Social Security Office our routing/transit number and your account number. These numbers are listed at the bottom of your checks. Please click to find the Social Security Office's contact information.
Q: When do I have access to my funds that are direct deposited?
A: Direct deposited funds are available on the day of deposit.
Q: How will I know if my check has been deposited?
A: With Online Banking you have access to your account information 24 hours a day, 7 days a week. If you are not currently enrolled in Online Banking, you may enroll now in order to access your account information. If you do not wish to sign up for Online Banking, you may contact any of our six offices.
Q: Are wire transfers possible to and from my account?
A: Yes. Funds can be transferred to and from accounts by wire transfer. Please contact us for further details.
Q: If I have a transaction problem at an ATM, what do I do?
A: If the problem occurs at a Union Federal ATM, please visit the office at which it occurred. If the problem occurs at an ATM other than those owned by Union Federal, please contact your nearest Union Federal office as soon as possible.
Q: If my Debit card is lost or stolen, what do I do?
A: Make sure you enroll in CardValet, which allows you to turn on and off your card for situations like this! Visit our Lost or Stolen Card page here.
Q: If my checkbook gets lost or stolen, what do I do?
A: Please contact your nearest Union Federal office as soon as possible in order to safeguard your account against any fraudulent activity.
Q: If I need to change my name or address, what do I do?
A: You may change your address by visiting your nearest Union Federal office.
Q: How do I reorder checks?
A: You can reorder checks by visiting your nearest Union Federal office.
Q: How do I get a copy of my account statement?
A: Sign up for e-Statements via our Online Banking to access them quickly and easily. You may also request a printed copy of your account statement by contacting your nearest Union Federal office for a small fee.
Q: How do I get a copy of a specific check?
A: With Online Banking you can get a check copy by clicking on the number of the check that you need. If you are not currently enrolled in Online Banking, you can enroll now in order to access your account information and check copies. If you do not wish to sign up for Online Banking, you can contact your nearest Union Federal office.
Q: When do I have access to use Online Banking?
A: With Online Banking you have access to your account information 24 hours a day, 7 days a week.