Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Debit Cards
Pay for lunch, check your account balance or simply withdraw cash with your UKFCU Visa® debit card.
- Instant-issue debit card available
- Nine different card designs to chose from
- EMV chip technology for fraud security
- Use your card wherever Visa® cards are accepted
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Direct Deposit
Don't like standing in line to cash a paycheck? Then you'll love direct deposit!
- Your payroll check is deposited into your checking or savings account electronically
- Your money is available as soon as its received by the credit union; no waiting for a paper check to clear
- Easy to set up
- Safer than a paper check, reducing the risk of fraud or theft
Set up direct deposit in 3 easy steps...
1. Note UKFCU's Routing Number (hint, it's 242176129).
2. Locate your UKFCU account number by logging into your Online or Mobile Banking and selecting your desired account. From there, you can find your full account number under the "Details and Settings" tab.
3. Talk to your employer's HR department or payroll administrator and ask them how to update your direct deposit to UKFCU. It's that easy!
Online Bill Pay
Online Bill Pay streamlines your finances by eliminating the hassle of writing checks and mailing bills.
With Online Bill Pay, you can:
- Receive and pay your bills online
- Keep track of your bills in one place
- Track the status of your bills
- Schedule recurring payments so you're never late
- View your payment history
Sign up for Online Bill Pay in a few easy steps...
- Log into Online Banking.
- Under the Bill Payment menu item, select "Pay by Check (ACH)."
- Read and accept the terms of agreement.
- Select the account you would like to enroll in Online Bill Pay.
- Start adding payees and payments.
That's it! Sit back and let us take care of the rest.
Courtesy Pay & Overdraft Protection
When your checking account goes "Oops," we stand by to lend a hand.
Our Courtesy Pay Program offers you protection in the event of an accidental overdraft. Courtesy Pay is a non-contractual, discretionary overdraft service available to eligible checking account holders based on their account activity and history. If you're eligible for Courtesy Pay, we may approve overdrafts on your account within your current available Courtesy Pay limit. In addition, we offer a second level of protection for ATM and one-time debit card transactions. According to federal regulations, you must request the Courtesy Pay for ATM. We recommend this additional coverage to protect you from unseen emergencies.
In addition to Courtesy Pay, we offer checking account holders Overdraft Protection from their other UKFCU accounts, which may include savings, money market savings, and our revolving line of credit loans. (Courtesy Pay and overdraft fees apply.)
Courtesy Pay and Overdraft Protection are convenient services designed to protect our checking account holders from experiencing the frustration, embarrassment, and additional costs of declined transactions or returned checks due to insufficient funds.
To learn more about our Courtesy Pay Program or Overdraft Protection, call us at 859-264-4200 or stop by one of our locations.
