In order to use mobile deposit, your account must be open for 30+ days and you must be age 16 or older.

Yes, you can link your accounts at other financial institutions through online banking or mobile banking.

To set up an external account in online banking:

• Click on the Transfer Money widget and select the Classic tab.
• Under the “Don’t see the account you want to transfer to?” section, click “Add an external account” and follow the steps.

To set up an external account in mobile banking:

• Select the Transfer Money widget.
• In the Transfers screen, click “Add Account” and then select “External Account” on the following screen and follow the steps.

Two micro deposits will arrive in your external account within 2-3 days. Check your external account’s transactions and make note of the micro deposit amounts. Log back in to online banking and click the alert on your Dashboard notifying you that an external account is pending confirmation. You’ll enter the two micro deposit amounts. If the amounts entered match what was sent, your account will be confirmed and you’ll be able to transfer money to, or from, your linked account.

You can cancel the payment if the funds haven’t been accepted by the recipient. To cancel a transaction, go to the “Pay a Person” widget and select “Transaction History” from the menu. You’ll be able to cancel transactions in a Sent/Pending status. Additionally, if the recipient doesn’t claim the funds within 10 days, the money will be automatically returned to you.

If the funds have been claimed, the transfer can’t be cancelled.

If you need to have your security questions reset, please contact us for assistance.

Yes, you have the option to reset your username and password through online banking or mobile banking by selecting the “Forgot Username?” link or “Forgot Password?” link.

• To reset your username, you must enter your member number, social security number or tax ID number (for business accounts), and date of birth. You have the option of entering your email address or zip code to proceed.
• To reset your password, you must enter your username, member number, social security number or tax ID number (for business accounts), and date of birth. You also have the option of entering your email address or zip code to proceed.

Yes, you can transfer money to another member’s account through online banking or mobile banking.

To set up a member-to-member transfer in online banking:

• Click on the Transfer Money widget and select the Classic tab.
• Under the “Don’t see the account you want to transfer to?” section, click “Transfer to another member.”
• You must enter the member’s last, indicate whether the funds are going to a share account or loan account, and enter the recipient’s member number and their share or loan ID to designate which account the funds will be deposited into.
• During the transfer setup, you can check the “Save Account for Future Use” box and it’ll always show up in your list of “Transfer to” accounts.

To set up a member-to-member transfer in mobile banking:

• Click on the Transfer Money widget.
• On the Transfers screen, select “Add Account.”
• Within the “Internal Account” tab, enter the member’s last name, indicate whether the funds are going to a share account or loan account, and enter the recipient’s member number and their share or loan ID to designate which account the funds will be deposited into.
• During the transfer setup, you can check the “Save Account for Future Use” box and it’ll always show up in your list of “Transfer to” accounts.

No, you can enroll in digital banking from a computer or a mobile device. Please visit our website and click the “New User? Enroll Now” link under the username and password fields.

Please note: You’ll need to provide your member number and other personally identifiable information in order to successfully enroll.

Yes, you may access mobile banking by typing our web address in your phone’s browser or by downloading our app from the App Store or Google Play store. Please note: Your login credentials for online banking and mobile banking are the same.

Locate the transaction that you’d like to categorize and select the “Add a category” button underneath it. From the list of categories, you can choose the one that’s most appropriate from the dropdown menu. You can also split the transaction in to multiple categories if more than one applies.

• Log in to online banking and click the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Security tab.
• Within the Security tab, you can change your username and password and review your Two-Factor Authentication settings.
• You can also see which devices have been “remembered.” When you remove devices, you’ll be prompted verify your identity the next time that you log in.

You can verify whether you’re enrolled in E-Statements by going to the Statements widget – Overview tab. If you’re enrolled, you should also have a list of E-Statements within the Statement widget – Statements tab.

You can transfer money to another individual using your debit card with our “Pay a Person” feature in online banking and mobile banking. Enter your recipient’s email or phone number and they’ll receive either an email or text notification that you’ve sent them money. Your recipient can claim and receive the funds immediately by entering a debit card number for the funds to transfer through. Or, they may elect to enter their routing and account number to receive the funds via ACH (may take 2-3 days).

• In online banking, select the down arrow next to your profile image and name. From the dropdown, click the Settings option and select the Contact tab. Within the Contact tab, you can update your addresses, phone numbers and email addresses. You can also indicate your preferred phone number and email address. If you need to delete any of your contact information, please call us or send us a secure digital banking message and we’ll complete the request on your behalf.
• In mobile banking, select the Settings widget, followed by the Contact tab.

• Log in to online banking and click the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Notifications tab.
• Within the Notifications tab, you should see several different types of account alerts.
• You can click on the gear icon next to an alert to enroll in it. If you’re only presented with an email delivery option and you’d also like to receive text messages, please follow the steps listed below.

Enrolling in SMS/text notifications:

• Under the Settings section in online banking, click the Contact tab.
• Select the edit/pencil icon next to the phone number that you’d like to receive notifications to. (Please note: The phone must be capable of receiving text messages).
• Check the box that states, “I Would Like To Receive SMS Text Messages To This Number” and click the “Send a code via text” button. You’ll be prompted to verify your identity before a code is sent.
• A code should come to your phone and once you receive it, enter it in the Code box.
• After your phone is confirmed, you’ll notice that it has an “SMS” option beside it.
• When you click on the Notifications tab again, you should have an option to receive notifications via SMS/text.

If you have any difficulty enrolling in notifications, please contact us for further assistance.

You can enroll in E-Statements through online banking or mobile banking. Select the Statements widget and then click the Subscribe button within the Overview tab. You must agree to the subscription disclosure and click the “Subscribe” button to become enrolled.

• Log in to online banking and select one of your accounts from the main, Dashboard screen or go to the Accounts widget.
• Under the search box on your account, you should have an export icon (next to the print icon).
• When you click the export icon, a window will come up and prompt you to select one of the export formats from the dropdown menu.
• Please note: Currently, the only export format that allows you to select a date range is the Comma Separated Values (CSV) option. We’re going to be adding a date range filter to the other export formats.
• Click the Export button.

If you have any difficulty exporting your transactions, please contact us for further assistance.

Please visit our website and navigate to the online banking section near the top, right-hand side of the screen. Enter your username and password before clicking the Submit button.

If you don’t have a username or password, you must register first. Please contact us if you have any difficulty logging in or enrolling.

If you’ve never ordered checks before, please contact us for assistance.

If you’d like to re-order checks, log in to online banking and click the “More…” widget. From the list, choose the Check Services widget and select the Reorder Checks tab. (Please note: The check reorder feature is only offered in online banking).

You may send us a secure message through online banking or mobile banking.

• In online banking, select the down arrow next to your profile image and name. From the dropdown, select the Messages option. You can also click the “More…” widget and choose the Messages widget from the list.
• In mobile banking, select the Messages widget and click the Compose tab.

• Log in to online banking and click the “More…” widget.
• Choose the Check Services widget from the list.
• There is a Stop Payment tab on the Check Services screen that has a “New Stop Pay Request” button. When you click on this button, you’ll be prompted to select an account, enter the check number, check date and amount. You also have the option to search for the check.
• The check won’t be stopped until you check the “I Agree” box and click the Submit Request button.

When transactions post to your accounts, they can be categorized to give you a better idea of how much money you’re spending in certain areas. For example, if you’d like to know how much you’re spending on transportation, you can categorize transactions using the Auto & Transport category. Under this category, there are more specific selections to choose from; such as, Gas & Fuel, Parking, Services & Parts, and Tires.

Unfortunately, we don’t have the ability to troubleshoot connection issues with third-party applications. If you’ve recently updated your digital banking username or password, please make sure that the application has your new credentials. Please contact the app vendor’s support team directly for further assistance.

You can make a mobile deposit to your primary savings, special and holiday savings, money market and checking accounts.

• Please make sure the front and back of the check are properly endorsed.
• Avoid writing over the MICR number at the bottom of the check. (Obscuring this number could render it impossible to process by mobile device).
• When you’re taking a picture of the check, don’t get too close to the check. Position the edges of the check within the guidelines displayed on the camera viewer.
• If the check is light in color, place it on a dark background. If the check is a dark color, place it on a light background.
• The app will indicate if your check was successfully submitted.
• Please note: We can’t guarantee that every check will be accepted via mobile deposit.

• For personal accounts, the check must be made payable to a named owner on the account.
• For business accounts, the check must be made payable to the name of the business.
• We can’t accept checks that are made payable to a third party (i.e. all payees must be on the account).
• The check must be properly endorsed.
• The check can’t be drawn on the same account.
• The check can’t be post-dated or altered.
• We can’t accept foreign checks or checks with non-negotiable items.

• Your password must be a minimum of eight characters in length, include at least one uppercase and one lowercase number, and must contain at least one numerical digit.
• Please note: The passwords are case-sensitive and expire after 365 days.

• Your username must be eight to 20 characters in length and may contain any combinations of letters and numbers.
• The usernames aren’t case-sensitive.

When we refer to “widgets,” these are the different menu options within digital banking to access functions and features (ex. “Accounts,” “Transfer Money,” “Manage Cards,” “Manage Budgets,” and “More…”). You may select the “More…” widget from the left-hand panel to view all of the available widgets in digital banking.

You can also change the layout of your widgets, by following these steps:

• Log in to online banking and select the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Widgets tab.
• Within the Widgets tab, you can select the star icon next to the five widgets that you’d like to display under the Dashboard widget.
• You also have the option to re-order your widgets by selecting the “Reorder Favorites” button.
• Once you click Save and refresh your view, the layout of your widgets will update.

In mobile banking, you can conduct a range of activities; including, but not limited to:

• Viewing your account balances and recent transactions.
• Paying your consumer loans, Visa and mortgage accounts.
• Locating ATMs and branches near you.
• Transferring money between eligible accounts and to other members.
• Sending money to family and friends using your debit card.
• Depositing checks on-the-go.
• Paying a bill or setup a recurring payment through Bill Pay.
• Sending us a secure message.
• Updating your contact information.
• Resetting your username and password.

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your credit card in online or mobile banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send your payment.
2. Make a payment in person at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
4. Make an immediate payment to Visa using the Pay-by-Phone service. Please call 866.820.3942. A small fee of $5.00 does apply.
5. If you’d like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking to the topic "Visa Payment from External Account Setup" and complete the required information.
6. Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your loan account.

If you want to pay your loan from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send a loan payment.
2. Pay your loan at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers take 2-3 business days to process. For instruction on linking an external account, please watch our tutorial video.
4. If you need to make a quicker, one-time loan payment using an external account eCheck or Debit Card, you may use our legacy online loan payment service at usf.usffcupayments.com.

Our system offers enhanced security controls with your choice of multi-factor authentication method; including, security questions or a verification code sent by email, text or automated voice call. Multi-factor authentication is triggered each time you log in to online or mobile banking, until you select “Remember this device” upon login. It may also trigger when you perform activities that are considered “higher risk.” Examples include when you change your contact information or when an external account is added.

We also have an enhanced account notification offering to alert you of logins, transactions, failed transfers, card transactions, balance thresholds and more.

In order to view your mortgage information, you must visit the Mortgage tab in digital banking. Once you click on the Mortgage tab, you’ll be brought to our mortgage website where you can view your mortgage details, schedule payments, and more.