Frequently Asked Questions

Download our mobile app FREE at the App Store or get it on Google Play. To find our mobile app, search for “UnitedOne CU". If you have accessed Digital Banking before using a web browser, your login credentials will be the same. If you are attempting to login into Digital Banking for the first time, ensure you know your account number, last four digits of your SSN/TIN, email (must match primary email we have on file) and your date of birth (business members will need their business open date). Review and agree to the Terms and Conditions. You can then log in and start banking from your phone or tablet when and where you want.
 

Through UnitedOne's Digital Banking platform, you have access to your account whenever you want through a computer’s web browser and mobile devices, like a cell phone or tablet, using the mobile app.

You can do the following things in Digital Banking:

• View balances and history
• Transfer money
• Deposit checks
• Access debit card controls
• Make payments through Bill Payer
• Stop payments
• Apply for loan (auto or other consumer type and mortgage loans)
• View mortgage details
• View E-Statements
• View check copies
• Order checks
• Update account information
• Set up Alerts
• Send us a secure message
• Locate branches and ATMs

There are six icons used in the main menu of Digital Banking: Accounts, Move Money, Debit Cards, Desktop Deposit, Statements, and More Services.

• The navigation icons will be on the left when using Digital Banking from a desktop browser, while the navigation icons will appear at the bottom of the screen when using the mobile app.
   
• Transfers, Payments, and Bill Pay will be combined into one tab called Move Money.
   
• Shares, like savings and checking accounts, will appear as blue cards on the Accounts page. Loans will appear as green cards. You have the option to display all of these in a list instead of cards.
   
• Support, Settings, Alerts, Locations, and Logout can be found in the upper right corner.
   
• Advanced search functionality allows you to search all shares and loans at the same time.
   
• Download option for Quicken and QuickBooks moved from bottom to top of Accounts page, next to search bar.

You can access the web portal for Digital Banking by visiting www.UnitedOne.org and clicking on "Account Login" in the upper right and entering your "Username" and "Password" on the sign-in prompt that appears.

On your first sign-in attempt for Digital Banking on any browser or device, you will be required to retrieve a verification code from an email address or mobile phone number we have on file (aka 2-factor authentication).  During this process you can opt to trust the browser/device you are using to skip 2-factor authentication on subsequent sign ins.

Biometric Authentication
After your first sign in on a mobile device, you can set up Face/Touch ID on iOS or Fingerprint on Android from the Security page.  You must trust your device during the 2-factor authentication sign in process in order to use biometric authentication. 

Watch this video tutorial to learn how to sign into Digital Banking for the first time.

To register as a new user for Digital Banking you will need to know:

• Your account number
• Last 4 of your SSN/TIN
• Email (must match the primary email we have on file)
• Your date of birth (business members will need their business open date)

Access Registration 
From the sign in page on desktop, iOS, or Android, navigate to the registration page using the "Register" button. 

Register 
Fill out the registration form to verify your identity. If the information is correct, you will be prompted to create a username and password.

Please note that you will not need to enter anything in the field for "Account Verification Method." You will only need to select an account type and enter your account number, last four of your SSN/TIN, email address, and date of birth or open date for business members.

Watch this video to learn how to register for Digital Banking as a new user.

Watch this video to learn how to recover your Digital Banking username.

Watch this video to learn how to reset your Digital Banking password.

If you choose to receive your verification code via your email address and don't receive it, please check the following things:

• Make sure you are looking at the correct email address associated with your account.
• Add this email to your contacts: notifications@online.unitedone.org
• Check your spam or junk folder.

If you have done all the items above and are still not receiving an email with your verification code, try verifying via text message.

Yes, you can also use QuickBooks, Quicken, and Mint.

Modern devices should all be compatible with Digital Banking.

As with all our online services, UnitedOne utilizes the latest technology and encryption methods to keep your account activity safe. Plus, with Digital Banking no account data is ever stored on your device. If you ever lose your  device you can quickly suspend Digital Banking access by contacting the credit union.

There are no fees associated with this service.

Yes, you will need to have an email address on file with UnitedOne Credit Union. Your login credentials and email address will be the same whether you’re accessing Digital Banking through a web browser or the UnitedOne Mobile App.

Yes, your login credentials will be the same for any device you use. You will be prompted for 2-factor verification the first time you sign in from a new device. You can opt to select to trust that device for future log-in attempts.

You can make a loan payment through Digital Banking any time by transferring funds from your UnitedOne savings or checking accounts. If your loan is under a different member number, contact the credit union to set up cross-account transfer access. If your loan is under the same account as your savings/checking, you'll see your loan ID in your account list and can simply transfer your payment to your loan. Alternatively, use the "To Another Member" feature under "Transfers". You'll need the account number, loan ID, and member's last name.

Our Digital Banking service does allow for these types of payments on certain loans. If the option is available, it will be offered at time of payment under the “Principal Only” tab. If the option isn’t offered, we will be happy to assist you at one of our offices with a principal only payment.

Since loans require an up-to-date payoff amount, these type of transactions cannot be made within Digital Banking. Please visit a UnitedOne office or call us for the amount of your loan payoff.

Transactions through Digital Banking are applied immediately. The only exception is loan payments for mortgage loan accounts with 10 digits, which may be processed at the end of the day and updated the next business day.

• UnitedOne's Digital Banking supports the current version of the most common Internet browsers and one version back, which is industry standard.
• Privacy settings must be at medium or lower, or add UnitedOne to your trusted sites.
• Delete all temporary Internet files prior to signing on.

The entitlement feature gives UnitedOne business account members the ability to add users in Digital Banking to manage their account.  Custom limits and viewing privileges can be set for these additional users, allowing business members to maintain control while delegating tasks efficiently.

Desktop Deposit allows you to make deposits with your computer using a check scanner. Simply login to your Digital Banking account on a computer and use a compatible scanner to deposit a batch of checks.