Does the Bank have a Direct Deposit form?

Yes, UFB Direct has a Direct Deposit form. The Direct Deposit form is available on our website by clicking Online Banking Forms from the Customer Support tab. Please use the following link to access the form directly:

Direct Deposit Form

Why does my Online Banking ID default to my Social Security Number? Can I change it?

The Online Banking ID will only temporarily default to your Social Security Number to allow the Online Banking system to recognize the User’s ownership of any accounts. The next step in the registration process will instruct you to choose a new Online Banking ID.

Access

What if I have forgotten my Online Banking password?

  • Click the Forgot Password link from the Online Banking Login page
  • Enter your Phone Number associated with your Enhanced Security Login features
  • Enter your Username
  • Click Send me a new password
  • Enter the temporary password sent to your phone
  • Click Confirm
  • Enter a new password

How do I access Online Banking?

Simply register as a New User from the Bank’s homepage to access your account via the link provided:

Login

Please note that after you have entered your personal information, your social security number will pre-fill in the Online Banking ID. The next step in the process will instruct you to choose a new Online Banking ID; from there, you will set up your enhanced security features. These features will be used in the event you forget your password, or login using a new computer.

I am trying to reset my password, and the system is sending my access code to an email/phone number that isn’t mine. Has my account information been compromised?

Rest assured your account information has not been compromised. For security purposes, the Bank’s Online Banking system is designed to display false Enhanced Security Information to Users that have not entered a valid Online Banking ID during the Password Reset or have not completed the Enhanced Security registration. We recommend using the Bank’s Online Banking ID Recovery tool to ensure you are attempting to reset the password for the correct Online Banking ID.

I cannot register for Online Banking. Why do I receive Customer Verification Error #1504?

Online Banking is accessible to new customers the following business day from the date a new application is approved.

The Secured Message system asks me to log into my account again. How can I send a Secure Email?

Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the Secure Email system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

Transfers

What are the limits for External Transfers?

We do not limit the number of funds transfers you may make; however, you may not make funds transfers in excess of the number of funds transfers allowed by the rules governing the applicable Accounts. The dollar limits at registration are:

Maximum per day in or out $2,000.00
Maximum per month $5,000.00

You may not make funds transfers in excess of limits described on the Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Service.

What are the qualifications for next-day External Transfers?

For Next-Day transfers the following qualifications apply to your individual accounts:

  1. You have had no negative transaction history (transaction returns) through the Funds Transfer service.
  2. Your external account involved in the Next-Day transfer request must have more than 60 days ago, completed at least one transfer into one of your UFB Direct accounts for $500 or more.
  3. If you are conducting a Next-Day transfer out of one of your UFB Direct accounts, that account must have an available balance of $750 more than the dollar amount of your transfer request.
  4. If you are conducting a Next-Day transfer into one of your UFB Direct accounts, that UFB Direct account must have an available balance of at least $750.

What is Popmoney® and how does it work?

that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don’t need a new account to send or receive money. Just use your current account.

Sending Money: To send money, Log into Online Banking and click Transfers on the blue bar, then click External Transfer, then click Select under Pay Other People. Send money to anyone using his/her email address, mobile number or bank account information. You will be notified when the transaction is completed.

Receiving Money: You receive an email or text message telling you someone sent you money. Log into Online Banking and direct the funds to the account of your choice.

Otherwise, you can provide your bank account information at Popmoney.com. Your money will be sent to that account.

If you don’t provide your account information, the payment will be automatically returned to the sender’s account.

Money sent to a bank account will be automatically deposited there.

It’s just that easy!

How Do I Verify Trial Deposits for an External Bank Account?

Log into Online Banking, click on Transfers, click on External Transfer, click on Transfer Between My Accounts, click on Settings, click on Accounts from the drop down menu. At the screen that shows the external(s), click on Activate Now. Enter the trial deposit amounts. Click on Activate.

The External Bank Transfer section in Online Banking is blank. How can I schedule an external transfer?

Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the Secure Email system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

Can I transfer money to another UFB Direct account I do not own?

Please contact the Bank directly by either of the following methods to process the a transfer from your UFB Direct account to another customer’s account;

  • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link.
  • Phone – contact Customer Service at 1-877-472-9200.

Bill pay

Bill Pay: Can I pay a person or business if I don’t have an account number?

Yes, you don’t need an account number to make a payment.

Bill Pay: Who has access to my personal information?

You are the only person who can authorize payments to be issued by us against your account. Our representatives access your account information on a need-to-know basis, and only with your approval.

Bill Pay: How do I pay someone new?

Just enter the name of the person or business you want to pay in the Pay Someone New entry box and click Add. Next, provide the required information and click Continue. If we need additional information, a second Pay Someone New window appears. That’s it – the person or business will be added to your list, ready to be paid.

Bill Pay: When will an authorized payment be debited from my account?

If the payee is being paid with either a paper check or an electronic payment, the amount of the payment will be deducted from your account within 2 business days of the payment processing date.

Bill Pay: Can I cancel a payment?

In most cases, you can cancel an electronic payment 3 days or more prior to its deliver-by date and you can cancel a check payment 5 days or more prior to its deliver-by date. To cancel a payment, click the Cancel link in the Pending Payments section on the Make Payments page.

Bill Pay: Can I make a payment to anyone?

Yes, you can use Bill Pay to pay anyone, including your cable company, doctor, or Uncle Charlie.

The BillPay section in Online Banking is blank. How do I pay my bills?

Please ensure 3rd party cookies are not being blocked by your browser. The Online Banking system will properly allow you navigate to the BillPay system and other areas within Online Banking after 3rd party cookies within your internet browser’s Privacy Preferences are accepted.

What are the BillPay transaction limits?

There is a per transaction limit of $9,999.00 and a daily limit of $19,999.00.

Statements

How can I access my monthly statement?

Your official eStatements can be accessed within Online Banking by clicking the View Statement option on the Online Banking homepage or by completing the following instructions;

  1. Login to Online Banking
  2. Click Additional Services on the main menu
  3. Click Products and Services
  4. Under the Online Statements section, select the account you wish to view from the drop-down menu and click Enter on the main menu

Do I have any protection from unauthorized online banking transactions?

Federal Regulation E provides certain protections against loss resulting from unauthorized Online Banking or Mobile Banking transfers from your personal account, such as bill payments or transfers to other accounts. These protections do not apply to business purpose accounts, regardless of account ownership. You will not be responsible for any unauthorized online transaction, provided you report the first incident to us within 60 calendar days after the date of the first statement where the transaction is shown. If you do not report it to us within that time period, you could be held responsible for unauthorized transactions that occur after the 60 days. Thus, it is important for you to check your statement or Online Banking account screen regularly and report any unauthorized activity to us immediately. Please refer to our for more information.

MyDeposit

What are the daily limits for MyDeposit?

  • “Per Daily Limit”- $10,000.00
  • “30-day Rolling Limit”- $50,000.00

My check won't scan, what should I do?

  • Ensure you are logged into Online Banking under your own name.
  • Confirm you have endorsed the back of the check.
  • Make sure you place the check in the same corner of the scanning machine for both front and back scanning.
  • It may help to mark dots (about the size of a pencil eraser) on the four corners of the front and back of the check to help the scanner detect the outline of the check.
  • It is always worth trying these simple tips before you make the decision to send your check deposit by mail to:

    UFB Direct
    P.O. Box 509127
    San Diego, CA 92150-9948

For a comprehensive Overview, System Requirements, Instructions and FAQs, Log into Online Banking, click on MyDeposit in the blue bar, then click HELP.

What is MyDeposit?

MyDeposit is an online banking service that allows you to deposit checks directly into your account from the comfort of your home or office. Using your internet-connected computer and almost any scanner, both business and personal checks can be deposited with just a few simple steps.

For a comprehensive Overview, System Requirements, Instructions, and FAQs, Log into Online Banking, Click Additional Services, Click MyDeposit and then Help.

Browser Help Guide

Supported Browsers

For the best experience using Online Banking, please use one of the following supported browsers. Using beta versions or older versions may result in limited functionality within the site.

Supported Browsers:

  • Firefox 4.0 +
  • Chrome
  • Internet Explorer 8+
  • Safari 6.0 +

Browser/Internet Requirements

Browser/Internet Requirements

  • Minimum of 128-bit encryption capabilities
  • DSL or Cable internet connection
  • JavaScript enabled
  • Session/Permanent Cookies enabled

UFB Savings

What information do I need to open a UFB Direct Savings account?

You will need the following information to complete an online application for a :

  • Your social security number along with a valid US driver’s license or state-issued identification.
  • Your primary contact information, including mailing address, telephone number(s), and email address.
  • The details of the account you are transferring money from to open this account – you will be making your initial deposit electronically.
  • If this is a joint account, we will need the above information for each account owner.

Click here to open an account.

How do I fund an account?

A UFB Savings account can be funded in one of the following ways:

  • ACH instructions may be entered into the account application
  • Deposit checks with Axos Bank’s mobile app or scan a check via MyDeposit in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank. The Axos Bank ABA/Routing Number is: 122287251
  • Mail a check to: UFB Direct, P.O. Box 509127, San Diego, CA 92150-9948
  • Wire funds from another institution

Who do I make checks payable to when depositing to my account?

You can make your check payable to UFB Direct or to yourself. In addition you can endorse the back of the check “For Deposit Only” followed by your signature and the account number.

How can I make a withdrawal from my UFB Savings account?

  • You can transfer funds between UFB Direct accounts using our convenient Online Banking or Mobile banking facilities. We recommend you open a Rewards Checking account for easy transfer and to maximize your rate rewards!
  • You can initiate an electronic withdrawal from another bank
  • You can complete an ATM withdrawal (daily limit $310)
  • Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to 6 transfers per statement cycle. For each transaction that exceeds this limit, a fee will apply

Is there a limit to how many withdrawals I can make from my savings/money market account per statement cycle?

Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to 6 transfers per statement cycle. For each transaction that exceeds this limit, a fee will apply.

What ATMs can I use to withdraw cash?

You can use any ATM nationwide – any brand

What are the ATM/Debit cash daily limits?

Your Card transactions will be subject to daily limits as follows:

  • Cash withdrawal from an ATM using an ATM card - $510.00
  • Point-of-sale transaction using your ATM card - $500.00
  • Cash withdrawal from an ATM using a Visa® Debit card - $1,010.00
  • Point-of-sale transaction using your Visa® Debit card - $2,500.00

Airline Rewards Checking

How do I redeem my airline rewards points?

You contact your airline rewards provider directly.

What information do I need to open a UFB Direct Airline Rewards Checking account?

You will need the following information to complete an online application for the :

  • Your social security number along with a valid US driver’s license or state-issued identification
  • Your primary contact information, including mailing address, telephone number(s) and email address
  • The details of the account you are transferring money from to open this account – you will be making your initial deposit electronically.
  • If this is a joint account, we will need the above information for each account owner.

Click here to open an account.

How do I fund my Airline Rewards Checking account?

An account can be funded in one of the following ways:

  • ACH instructions may be entered into the account application
  • Deposit checks with Axos Bank’s mobile app or scan a check via MyDeposit in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank. The Axos Bank ABA/Routing Number is: 122287251
  • Mail a check to: UFB Direct, P.O. Box 509127, San Diego, CA 92150-9948
  • Wire funds from another institution

Who do I make checks payable to when depositing to my account?

You can make your check payable to UFB Direct or to yourself. In addition you can endorse the back of the check “For Deposit Only” followed by your signature and the account number.

When will I receive my new Visa® Debit card and Checks?

Your free Visa® Debit card and free initial pack of checks will arrive in the mail (separately) within 10 business days after we receive your opening deposit and your completed Signature Card.

How do I order checks?

UFB Direct will send an initial starter kit containing checks free of charge if you order them during the application process. Otherwise you can re-order checks online using the following directions:

  • Log into your account
  • Hover over the Additional Services tab
  • Click on Order Your Checks Today
  • Select the account from the drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the re-order

How can I access/manage my money in the UFB Direct account?

You can access your online bank account, make payments, or move your money in a variety of ways:

  • Use your Visa® Debit card or checks for purchases and payments
  • Pay your bills using our free Bill Pay service
  • Get cash from any ATM nationwide (no matter which bank)
  • Access your accounts through our Mobile banking service and use many of the same features as Online Banking
  • You can transfer money between your UFB Direct accounts or to/from a bank account at another institution
  • Deposit checks with Axos Bank’s mobile app or scan a check via MyDeposit in Online Banking

What ATMs can I use with UFB Direct?

You can use any ATM nationwide - any brand.

When will my interest be calculated?

At the time of your statement cycle date we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle.

What are the ATM/Debit cash daily limits?

Your Card transactions will be subject to daily limits as follows:

  • Cash withdrawal from an ATM using an ATM card - $510.00
  • Point-of-sale transaction using your ATM card - $500.00
  • Cash withdrawal from an ATM using a Visa® Debit card - $1,010.00
  • Point-of-sale transaction using your Visa® Debit card - $2,500.00

What other products are available through UFB Direct?

In addition to our Airline Rewards Checking Account, UFB Direct also offers a High-Yield Savings Account and Money Market Savings Account. If you are in need of business banking solutions, UFB Direct offers a variety of through our parent bank, Axos Bank.

Money Market

What information do I need to open a UFB Direct Money Market Savings account?

You will need the following information to complete an online application for a :

  • Your social security number along with a valid US driver’s license or state-issued identification
  • Your primary contact information, including mailing address, telephone number(s) and email address
  • The details of the account you are transferring money from to open this account – you will be making your initial deposit electronically.
  • If this is a joint account, we will need the above information for each account owner.

Click here to open an account.

How do I fund my Money Market Savings account?

An account can be funded in one of the following ways:

  • ACH instructions may be entered into the account application
  • Deposit checks with Axos Bank’s mobile app or scan a check via MyDeposit in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank. The Axos Bank ABA/Routing Number is: 122287251
  • Mail a check to: UFB Direct, P.O. Box 509127, San Diego, CA 92150-9948
  • Wire funds from another institution

Who do I make checks payable to when depositing to my account?

You can make your check payable to UFB Direct or to yourself. In addition you can endorse the back of the check “For Deposit Only” followed by your signature and the account number.

How can I make a withdrawal from my UFB Direct Money Market Savings account?

  • You can transfer funds between UFB Direct accounts using our convenient Online Banking or Mobile banking facilities. We recommend you open a Rewards Checking account for easy transfer and to maximize your rate rewards.
  • You can initiate an electronic withdrawal from another bank
  • You can complete an ATM withdrawal (daily limit $310)
  • Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to 6 transfers per statement cycle. For each transaction that exceeds this limit, a fee will apply

Is there a limit to how many withdrawals I can make from my savings/money market account per statement cycle?

Federal law limits the number of withdrawals and transfers from all U.S. savings and money market accounts to 6 transfers per statement cycle. For each transaction that exceeds this limit, a fee will apply.

What ATMs can I use to withdraw cash?

You can use any ATM nationwide – any brand

What are the ATM/Debit cash daily limits?

Your Card transactions will be subject to daily limits as follows:

  • Cash withdrawal from an ATM using an ATM card - $510.00
  • Point-of-sale transaction using your ATM card - $500.00
  • Cash withdrawal from an ATM using a Visa® Debit card - $1,010.00
  • Point-of-sale transaction using your Visa® Debit card - $2,500.00

When will I receive my new Visa® Debit card?

Your free Visa® Debit card will arrive in the mail within 10 business days after we receive your opening deposit and your completed Signature Card.

How do I order checks?

You can order checks through our Online Banking facility:

  • Log into your Online Banking account
  • Click on the Online Services and e-Statements tab
  • Select the account from the from drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the order

When will my interest be calculated?

At the time of your statement cycle date we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle.

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