UMCU New Member

Explore all of the exclusive benefits available to you and learn about our amazing products and services!

You're Part of Something Amazing

As a new member of UMCU, get ready to feel great about where you bank! When you join UMCU, you're not just opening an account — you're directly funding a stronger community. Best of all, you get competitive rates and awesome financial products while doing it! Your membership dollars fuel our passionate commitment to giving back, powering everything from free financial education to essential local community support groups and charities.

Let's Get Started!

Enroll in Online Banking at UMCU

Manage money on your schedule with UMCU's easy, 24/7 Online Banking.

You will need your account number and last 4 digits of your social security number. Having trouble finding your account number, reference enrollment document for additional information.

Download the UMCU Mobile App

Enjoy easy, secure access to your accounts whenever you need it. Download the app to your mobile device and log in with your Online Banking credentials.

App Store - Apple Google Play - Android

Automate Funds into Your Account

Set up direct deposit for faster access to your money — no waiting to deposit check. Complete the form, Direct Deposit Agreement, or request one from your employer.

Additional Services

mobile app and umcu block m debit card

Your money. Your goals. Your confidence.

Achieve your goals with simple and secure tools that fit your lifestyle. Deposit checks, pay with your phone, and stay on top of your accounts with the confidence of banking with UMCU.

Mobile Check Deposit

Deposit checks on your time and convenient to you. Use your camera phone and mobile app, that simple.

Learn How to Make Mobile Deposits

Digital Wallet

Skip the wallet and pay from your phone or smartwatch. It’s fast, simple, and safe with UMCU.

Link with Apple Pay | Link with Google Pay

Quick Balance & Alerts

Check balance with full login and set up alerts on your account to manage your money with ease.

Learn How to Set Up Alerts

Financial confidence starts here

UMCU supports you with budgeting tools, education, member benefits, and community programs that help you make a difference. We’re here when you need us and always easy to contact.

Financial Education

Personalized financial education as you are saving for a goal, monitor credit score and plan for financial success.

Financial Education

Member Benefits

Get team-winning experiences and competitive rates. Be part of something big and grand.

Member Benefits

Giving Back

Our committed team sparks positive change in the community through robust giveback initiatives!

Community Outreach

Frequently Asked Questions

It depends on your financial goals! The Platinum Optimum is great for establishing or rebuilding a credit score while the Platinum Cash Rewards gives you 1.10% back on EVERY purchase. Both of UMCU's Visa^® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

Download a Mobile Wallet app on your smartphone.
Add your UMCU credit card to the app.
Use your mobile device to pay by tapping or swiping it against the store's payment terminal.

Funds will be automatically deducted from your card as you make purchases using the digital wallet.

FAQ Page