Digital Banking FAQs

Yes. Your account information and transactions for the past 36 months are available in Digital Banking. When you initially enroll, your full transaction history may take a few hours to appear.

For the best Digital Banking experience, we recommend using one of the following web browsers: 

• Google Chrome™ 40 or higher 
• Mozilla Firefox 44 or higher 
• Safari® 9 or higher

Yes. Each page of Digital Banking is protected with Secure Sockets Layer (SSL) encryption. This prevents an unauthorized individual from simultaneously viewing the pages that you are viewing. 

In 2022, we updated the login screen with additional security features, including enhanced biometric login. This does not change your login credentials. To log in, Digital Banking requires a username, password, and a security code. You can bypass the security code on frequently used devices.

You create your username and password. Unless you change them, your username and password stay the same. 

The security code is randomly generated and changes every time you access Digital Banking. You can access the security code in a few ways: 

• Text message 
• Phone call 
• Authenticator app 

Email accounts are not as secure as your phone. That is why we do not email security codes during enrollment or when changing your personal credentials. If using your correct username and password on a new device, you can receive the security code by email. 

Authenticator apps allow you to access Digital Banking quickly, especially when you cannot receive texts or phone calls. Email accounts are not as secure as your phone. That is why we do not email security codes during enrollment or when changing your personal credentials, including your password.

Depending on the app, service may be limited in some countries, especially China and countries subject to US sanctions. For the latest information regarding service availability in your country, contact the provider directly.  

Internet service is only required to activate the app during its initial setup on your mobile device. After that, these apps are able to generate a unique code without internet service.

Yes, authenticator apps can be activated on multiple devices.

No, when prompted for a security code, you will be presented with all the ways you can receive the code.

Please check with your phone provider to make sure that you are able to receive international text messages. If the issue persists, please contact us. 

If your account is locked, click the Forgot Password link and follow the prompts.

If you forget any of your login information, you can securely view your username or reset your password online. If you forget your username and have activated an authenticator app, you can open the app to view your username.

If you forget both your username and password, call us. For security reasons, we cannot reset your sensitive information via email or Web Chat. 

If you receive security codes via phone call or text, check to see if UNFCU has your correct phone number on file. Other issues may be with your connection, carrier, or data plan.