Unify financial credit union cashiers check verification

Make a Payment

Help with Make a Payment

The loan and credit card payment screens have different payment options including: Regular Amount Due, Minimum Payment, Principal Only, and Payoff.

How to Make a Payment:

• Under “Transfers & Payment,” select “Make a Payment.”
• A drop down list will appear; select the loan you want to make the payment.
• You will be given the option to make the payment recurring.
• A message will appear to summarize your payment request. Select either “Confirm,” to allow your payment transaction or “Cancel” if you need to make any edits/changes (selecting “Cancel” will return you to the “Make a Payment” screen).
• A “Success” message will appear after you confirm your payment transaction; go to the “Activity Center” to review details of your payment transaction.

IMPORTANT NOTE: Funds must be available in your selected Share Account to process your requested payment.

Transfer Funds

You can transfer funds between your UNIFY accounts, such as moving money from a savings account to your checking account. You can also send money instantly to another UNIFY member with the Cross-Member Transfer feature or make an External Transfer to or from an account at another financial institution.

To Transfer funds:

• In the Navigation menu, select Transfer & Payments > Make a Transfer. The Funds Transfer page appears.
• On the Funds Transfer page, do the following:
  • In the From drop-down list, select the account from which you want to transfer funds.
  • In the To drop-down list, select the account to which you want to transfer funds.
  • In the Amount field, enter the amount to transfer.
  • In the Date field, select the date that you want the transfer to occur.
• Enter information about the transfer in the Memo field. This field is optional for you to describe the purpose of the transfer, such as mortgage payment.
• Select Transfer Funds. The Transaction Authorized message appears and confirms that the transfer was processed or will be scheduled to process.
• Select Close to set up another transfer, or select View in Activity Center to review the transfer.

To set up a Recurring Transfer:

• In the Navigation menu, select Transactions & Payments > Make a Transfer. The Funds Transfer page appears.
• On the Funds Transfer page, do the following:
  • In the From drop-down list, select the account from which you want to transfer funds.
  • In the To drop-down list, select the account to which you want to transfer funds.
  • In the Amount field, enter the amount to transfer.
• Select the Recurring Transfer check box. The Schedule Recurring Transfer fields expand.
• Use the drop-down list to Select When the Transfer to Recurs. You may choose from some common payment terms, such as monthly.
• Select a Start Date and End Date using the calendar, or select Repeat Forever.
• Use the Memo field to describe the purpose of the transfer, such as mortgage payment.
• Select Transfer Funds. The Transaction Authorized message appears and confirms that the transfer was processed or will be scheduled to process.
• Select Close to set up another transfer, or select View in Activity Center to review the transfer.

Make a Cross-Member Transfer

Send money instantly to another UNIFY member using Cross-Member Transfer. The feature allows you schedule an instant one-time transfer or link one of their accounts to yours. This makes frequent or recurring transfers much easier. Once you link accounts, their account appears as a transfer option in your Make a Transfer menu which will allow you to schedule a one-time transfer or set up recurring transfers.

To make an instant one-time Cross-Member Transfer:

• Locate Transfer & Payments in the Main Navigation, select Cross-Member Transfer.
• Select One-Time Transfer
• Choose your Account to Transfer From in the drop-down list and enter the Amount.
• Enter an optional Description.
• Complete the required information. You will need:
  • The recipient member’s legal last name
  • The recipient member’s account number
  • The recipient member’s 2-digit share account or loan ID
  • The account type
• Select Close to set up another transfer, or select View in Activity Center to review the transfer.

To link to another UNIFY member’s account:

• Locate Transfer & Payments in the Main Navigation, select Cross-Member Transfer.
• Select Link Member Account
• Complete the requested information. You will need:
  • The recipient member’s account number
  • The recipient member’s 2-digit share account or loan ID
  • The account type
  • First three letters of member’s last name
• Select Submit

Add an External Account

To add an External Account:

1. In the Navigation menu, select Transfers & Payments > Add External Account. The Add External Account page appears.
2. In the Non-UNIFY Account Number field, enter the account number at the other financial institution.
3. From the Account Type drop-down list, select the External Account type.
4. In the Non-UNIFY Routing Number field, enter the routing number of the other financial institution. The above image displays where the routing number is located on a physical check or you can search online for it. If the account is not a checking account, verify the correct routing number with the other financial institution, as savings accounts may be different.
5. Select Add Account to complete the addition of the account.

NOTE: Only domestic (U.S.) banks accounts may be added for transfer.

Verify an External Account

After you have “added an account,” UNIFY will generate two "micro" deposits and send them to your external account. This typically takes 5 business days or less. Micro deposits are random deposits in amounts less than $1. Once you have received these two micro deposits in your external account, make note of both amounts as you will need them for verification.

If the micro deposits do not appear in your account within 7 business days, contact the other financial institution to verify that you are using the correct routing number, as some institutions do not use a single number for all account types.

To verify an External Account:

1. In the Navigation menu, select Transfers & Payments > Verify External Account. The Account Verification page appears.
2. Select the account that you want to verify.
   1. Note: If you have previously added more than one account, you will need to select the correct account to confirm the deposits.
3. In the Verify Deposit Amounts area, enter the amounts of the two deposits that we made in the external account.
4. Select Continue.
5. After verification, the external account appears in the drop-down list of accounts that you can transfers.

Approve an External Transfer

If the external transfer requires an approval, please follow the steps below to process the approval. A verification code is required to approve the transfer.

The transaction must be approved in order to process. Click on “Actions” and select “Approve”.

An access code will be sent to the mobile or email you had selected.

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