Frequently Asked Questions

What is a Credit Union?

A credit union is a cooperative financial institution that is owned and controlled by the people who use its services. These people are members.

Credit Unions serve people who share something in common, such as where they work, live or go to church. Credit unions are not-for-profit and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Credit Unions, like other financial institutions, are closely regulated. And they operate in a very prudent manner. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration, an agency of the U.S. Federal government, insures deposits of Credit Union members at Federal and state-chartered Credit Unions nationwide. Member deposits are insured up to $250,000.

What makes a Credit Union different from a Bank?

Like banks, Credit Unions accept deposits and make loans to their members. But unlike banks, Credit Unions are not-for-profit and are interested primarily in serving the needs of their members. Banks are primarily interested in maximizing profits and providing a healthy return to their stockholders.

Credit Union History

The Credit Union idea is a simple one: People should be able to pool their money and make loans to each other. It's an idea that evolved from cooperative activities in 19th century.

Since that time, the idea's guiding principles have remained the same: (1) Only people who are Credit Union members should borrow there; (2) loans are made for "prudent and productive" purposes; (3) a person's desire to repay (character) is considered more important than the ability (income) to repay. Members are, after all, borrowing their own money and that of their friends. These principles still govern most of the world's Credit Unions.

The Unity One Difference

Great rates, low fees and quality service - that's what makes Unity One a better choice among other Credit Unions and banks. We work hard to ensure that our members get the best rates and service around whether it's a loan, a savings account, or free checking, you can feel confident that you get a great deal at Unity One.

How can I join?

It's easy to join and it takes only $5.00. The $5.00 share signifies your ownership and gives you a vote in the annual Board of Directors election. After that, you'll receive access to a wide range of services designed specifically to meet your financial needs.

Online Banking Password/PIN FAQ (frequently asked questions)

A. Simply enter your six-digit member number and your Social Security Number (SSN) as your password/PIN for your initial sign on. Do not use dashes or spaces in either numbers. After you enter those numbers and the Security Code located at the bottom of the page, click "Submit" and then the system will ask you to complete multi-factor authentication and then change your password from your SSN to another password/PIN of your choosing. After the process is complete, you'll get a message saying the process of changing your password/PIN has been complete and that you must sign on again using your new password/PIN.

A. The minimum number of characters you may use in your password/PIN is 4 and the maximum number of characters you can use is 10. Our system is case sensitive so you must be careful when using all caps or no caps. Your password/PIN can be alphanumeric (a series of numbers and letters). To help remember all your Unity One CU passwords/PINs you may want to make your Express Online Banking, Express Card, and Express Telephone Banking PINs all the same.

A. More than likely, you or someone else accessing your account entered your password/PIN incorrectly more than six times and you have been blocked from accessing our online banking system. Did you give your password/PIN to a joint owner on your account? It is possible that the joint owner on your account entered a different password than what is on file in our system. Remember, passwords/PINs are case sensitive, so be careful with caps and non-caps while typing. Also, your online banking password/PIN can be different than your telephone banking or debit card password/PIN.

A. You must contact the credit union (during normal business hours) to have your account reset. We will not reset your account via an e-mail request only. To protect your privacy, we must verify your information verbally before we can reset your account. To request that your account be reset, you can either call Unity One CU Member Services at (800) 628-5517 or send a request via e-mail using our email form with your name and a daytime phone number where a credit union representative may call you back to verify your information.

A. Yes, but be careful when using capital and non-capital letters. Your password/PIN is case-sensitive and a combination of numbers, letters, and caps can be very unique but also hard to remember. Don't forget to write down your password/PIN and keep it in a safe place where only you, the owner of the account, has access.

Multi-Factor Authentication FAQ (frequently asked questions)

A. The Federal Financial Institutions Examination Council offered multi-factor authentication guidance for credit unions and instituted a compliance deadline of December 31, 2006. The credit union is implementing enhanced security measures to protect your personal and credit union account information while online. Additionally, the new layers of protection help protect the credit union from malicious attacks and online hackers.

A. We have made a commitment to our members that access to your financial information is safe and secure. The change you are seeing on the login page is due to enhanced measures. The following explains the changes made and what you can expect. As always, if you have any questions or concerns regarding these changes please contact us at (800) 628-5517.

A. No, your password will not change. However, the first time you log in after December 4th, 2006, you will be requested to answer five new security questions and select a Personal Security Image graphic to verify your identity for future online banking sessions.

A. The login process is changing in three ways:

1. Login will become a multiple step process instead of one screen where you enter your Member Number and PIN. You will now enter your Member Number and a random Security Code.
2. The next screen will prompt you to enter the answer to one of the five Security Questions you entered during enrollment. The answers to your Security Questions are case sensitive.
3. The next screen will prompt you to enter your Password/PIN using an on-screen keyboard and to verify a Personal Security Image that you created during enrollment.

A. The Security Code is an extra security measure used to eliminate fraudsters from randomly selecting account numbers. You see a random Security Code at the first login screen. It is different from your Personal Security Image. This security measure is intended to thwart possible malicious "Brute-Force" attacks on your account by online hackers.

A. Your Personal Security Image is a phrase that you choose and enter only during enrollment. Once you answer your three challenge questions, you'll see and verify your Personal Security Image on the page where you enter your Password/PIN. This security measure lets you know that you're at the correct and secure site.

A. The Password/PIN must now be entered using your mouse. Click on the correct character on the on-screen keyboard and you will see the password box populate with asterisks. The cursor does not appear in the PIN box. Just start "click typing" with the on-screen keyboard to populate the Password/PIN box. The on-screen keyboard is used to prevent possible hackers from getting passwords while using special software or hardware devices designed to monitor keyboard strokes called "trojan horses" or "keyloggers ".

Important Tip: The keyboard has upper and lowercase characters. Make sure you click above or below for the appropriate character when entering in your password.

A. Yes, once you enroll and enter your initial authentication settings, you can change them any time by simply clicking on "More Features" and then the "MFA" button while logged in to Express Online Banking.

A. When you log in to Express Online Banking, you will be prompted to do three things: 1.) Enter your Member Number and a random Security Code, 2.) Answer one of your Security Questions for identification verification, and 3.) Register the computer browser you use to log in to Express Online Banking and enter your Password/PIN. The computer browser registration will consist of placing a cookie onto your browser.

A. Once you've enrolled in multi-factor authentication, the questions serve as a back-up security measure - they are used when you log in from a computer browser you have not registered (meaning you have not placed the security cookie on it). For example, if you log in from a computer at a public library, you would be asked to provide the answers to your Security Questions because that computer is not the computer you registered.

A. Our system will ask if you want to register and authenticate the computer browser with a cookie. If you register the computer browser, the system will install a "cookie" and register the computer so that you won't have to enter a security question each time you log in. This is not recommended if you log in from a public computer. You will have the option to not register and authenticate the computer browser.

A. If you delete the multi-factor authentication cookie, you will be prompted to answer the security questions at your next login. Then you should re-enroll in multi-factor authentication.

A. You will be asked to answer your security questions every time you login if the cookie is deleted by yourself or a spyware program your computer.

A. When you log in (with your Member Number), you will be prompted to answer your security questions. If you choose to, you can then also register and authenticate that computer browser. This is not recommended if you log in from a public computer. Finally, you'll be asked to enter your and Password/PIN and verify your Personal Security Image.

A. Yes, the Security Questions and answers can be updated within Express Online Banking by choosing "More Features" and then "MFA" button and then follow the instructions.

A. Please call our Call Center at (800) 628-5517 or visit any of our branch locations to have your Security Questions reset. This will also reset your password.

A. Yes, the Security Question answers that you submit are case sensitive.

A. You should try to enter your information again. Don't forget that your Security Question answers are case sensitive. If you are unable to remember your answers, please call our Call Center at (800) 628-5517 or visit any of our branch locations to have your Security Questions reset (this will also reset your password/PIN).

A. Keep in mind that answers to the Security Questions can be anything you choose and can remember - the answers don't have to be factual. For example, if a security question asks what your first car was, and you have never owned a car, the answer can be any word that you can remember; it doesn't have to be a car.

A. If you are using multiple browsers (i.e., Internet Explorer and Mozilla Firefox) you will need to register both browsers to access Express Online Banking without having to answer your Security Questions. Our system will ask if you want to register and authenticate the computer browser with a cookie when you sign on.

Our Call Center representatives have been trained to help you if you have questions or need assistance. You can call us toll free at (800) 628- 5517 and speak to a Call Center Representative. Our normal Call Center hours are 9:00 a.m. - 5:00 p.m. Monday - Thursday, 9:00 a.m. - 6:00 p.m. on Friday and on Saturday, 9:00 a.m. - 1:00 p.m. For other comments and/or questions, please e-mail Unity One CU Member Services using our email form.

How to Set Up Your Online Account for Quicken Online Services

Important information:

The Credit Union provides your authorized account information for use with Quicken Online Services; however, we do not provide technical support. If you have questions or problems, please contact Quicken Online Services directly.

Step 1.

Before using Quicken Online Services, you must enroll for Express Online Banking at https://expressonline.unityonefcu.org/. To sign up for Express Online Banking, simply enter your six-digit member number and your Social Security Number (SSN) as your password/PIN for your initial sign on. Do not use dashes or spaces in either numbers. After you enter those numbers and the Security Code located at the bottom of the page, click "Submit" and then the system will ask you to complete multi-factor authentication and then change your password from your SSN to another password/PIN of your choosing. After the process is complete, you'll get a message saying the process of changing your password/PIN has been complete and that you must sign on again using your new password/PIN.

Step 2.

When logged into Quicken Online Services and at screen you see below, use your Member Account Number as your "Customer ID" and your Express Online Banking Password as your "PIN" and then click "Next".

 

Step 3.

When at the screen you see below, you must choose the account type (such as Checking, Savings, etc.) from the drop down menu and then enter your specific Unity One CU Member Account Number-Account Type for each account established at the Credit Union. Do not put any spaces between the numbers and use a dash (-) to separate your Unity One CU Member Account Number-Account Type.

For Example: 123456-S18
(The first six numbers represent your Unity One CU Member Account Number and the Sxx is your Account Type.)

A few common account types are:
S1 - Primary Savings
S18 - Best Free Checking
S15 - Money Market Account

You can click here for a complete list of specific Unity One CU Account types to help guide you.

In the last field, enter the Credit Union's Routing Number: "296076369".

How to Set Up Your Online Account for MS Money Online Services

Important information:

The Credit Union provides your authorized account information for use with MS Money Online Services; however, we do not provide technical support. If you have questions or problems, please contact MS Money Online Services directly.

Step 1.

Before using MS Money Online Services, you must enroll for Express Online Banking at https://expressonline.unityonefcu.org/. To sign up for Express Online Banking, simply enter your six-digit member number and your Social Security Number (SSN) as your password/PIN for your initial sign on. Do not use dashes or spaces in either numbers. After you enter those numbers and the Security Code located at the bottom of the page, click "Submit" and then the system will ask you to complete multi-factor authentication and then change your password from your SSN to another password/PIN of your choosing. After the process is complete, you'll get a message saying the process of changing your password/PIN has been complete and that you must sign on again using your new password/PIN.

Step 2.

How do I get started?
Follow the installation instructions. The first time you run the program, you will be prompted to take a tour of the program's features. The tour is well worth your time - learn the basics of MS Money and how it can help you manage your finances. After the tour, proceed to set up your accounts.

Step 3.

Set Up
Depending on your version of Money the following table displays information that you may need to set up your accounts.

Money Questions	Answers
Financial institution	Unity One Credit Union
What is the account #	The account number for each account can be found within Express Online Banking
Unity One CU Routing Number	296076369
Customer ID or User ID	Your Online Banking Username
Have you received your online services password and access information?	Yes - Select "yes" and use your Online Banking Password.

How do I get technical support? 
Help with online banking and Microsoft Money is available from these sources: Online Help in MS Money Making the Most of Microsoft Money User's Guide Microsoft's Money home page: www.microsoft.com/money

E-Services / E-Statements FAQ (frequently asked questions)

A. An E-Statement is an electronic delivery of your monthly or quarterly statement, which will take the place of your mailed paper statement.

A. Yes, your statement is stored behind firewalls and is transmitted to your Internet browser using 128-bit encryption.

A. There is no charge for E-Services and E-Statement service.

A. To sign up for E-Statements, simply click on the "E-Services" button located in Express Online Banking. Complete the required information and submit your enrollment request. We will send an e-mail confirmation to confirm that we received the enrollment form and the account will be set up in one business day.

A. You will be notified via e-mail when your E-Statement is ready to be viewed.

A. Contact our Main Call Center at (800) 628-5517. If you have previously requested to stop receiving mail from us, or we do not have your current mailing address on file, your signup request will not go through until you speak with a Call Center Representative.

A. Yes. Quarterly newsletters and statement inserts will be attached to your E-Statements in Adobe PDF file.

A. Click the link provided in your e-mail notification, log in when prompted, and your E-Statement will appear, or login to Express Online Banking, and click the "E-Services" button.

A. Yes. Your actual E-Statement is independent of your e-mail notification. If you do not receive your e-mail notification, please login to the E-Services signup and make sure we have your current and valid e-mail address on file.

A. You will need Adobe Acrobat Reader version 5.01 or later to view your e-Statement.

A. Adobe Acrobat Reader is free software that you can download. Click here to download.

A. By using the Adobe Acrobat Reader toolbar, press the printer icon. You can either print the entire statement or just a particular page.

A. By using the Adobe Acrobat Reader toolbar, press the diskette icon. You will be prompted to save the file to a designated location on your computer.

A. No, you can either receive a paper statement or an electronic statement. You cannot receive both. Once you register for E-Statements, you will no longer receive paper statements.

A. Your E-Statement will be available during the first week of the statement cycle.

A. After you sign up, each E-Statement will be available for a period of 14 months. If you need a copy of a statement faxed or mailed to you for a specific period, please contact our Main Call Center at (800) 628-5517.

A. You can switch back to the paper version of your statement at any time. To cancel E-Statements, go back to the E-Services button and select the "Stop E-Services" option. Once you confirm your request, your cancellation will take effect immediately.

A. E-Statement is available for all of your Unity One CU account activity (savings, checking, loans, etc.) Credit Card statements are not available at this time.

A. No, E-Statements cannot be saved as a text file and imported into Microsoft Word or any other text program. An E-Statement can only be saved as a PDF file.