How do I provide my auto insurance?

If you need to provide UKFCU with your insurance information, you may upload your policy on the MyInsuranceForm portal. Please make sure your insurance provider has UK Federal Credit Union listed as the lien holder on your insurance policy. 

Can I open an account if I am an international student or worker?

Yes! You can become a member if you are an international resident.
Here's what you'll need to open your account:

  • Valid government-issued photo ID - (Passport, Driver's License, or State ID Card)
  • $25.00 membership deposit. This is not a fee and will be refunded if the account is closed.
  • Proof of full legal name, date of birth, and residential address.
  • Your Tax Identification Number, such as Social Security Number, Foreign TIN, or US-issued ITIN

Bring these items with you when you visit your UKFCU Branch.

Do I have to close my accounts if I move out of state?

No. With online banking and our Shared Branching Network, you have access to us from wherever you may end up!

Anywhere you see the CU Service Center logo you can conduct a range of transactions, such as:

  • Deposits
  • Withdrawals
  • Loan Payments
  • Make transfers between accounts
  • Purchase money orders, travelers checks and official checks*
  • And more!

To take advantage of this service, when you enter a shared branch you only need to bring:

  • Your home credit union's name
  • Your account number
  • Valid government-issued photo identification, i.e., State Driver's license, US Passport

To find the nearest shared branching center near you, click here.

How many accounts can I open?

You may open multiple accounts. There are multiple accounts available to you through UKFCU, from savings accounts to credit cards and auto loans, we have you covered.

To join UKFCU, fill out the online application, call 859.264.4200 or 1-800.234.UKCU (8528) or drop by one of our convenient locations.

Are my accounts insured?

Member accounts at all credit unions are federally insured up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the (NCUA) or the (NCUSIF).

Additionally, UKFCU has purchased an additional $100,000 worth of insurance coverage for their members making a total of $350,000 coverage on eligible accounts.

NCUA insurance differs from traditional deposit insurance because it is funded by the credit unions themselves and is believed to be a much healthier and safer insurance fund. Visit NCUA.gov to learn more.

How long does it take to verify a deposit?

It is UFKCU's policy to deposit items the day we receive them, however, funds from these deposits may have delayed availability.
Cash deposits will post as soon as you make the deposit.

Be sure to check your statement to make sure deposits have cleared. The best way to do this is to have mobile or online banking.
Don't have mobile or online banking? Sign up today!

How can I submit a secure email?

To submit a secure email you must first log into online banking. From here, select the "Messages" tab. You are able to submit secure messages back and forth using this feature.

You may also use our secure messaging feature in the mobile app

 

How can I get my account number?

Your account number can be found in online banking and mobile banking, on the bottom number of your check (the second set of numbers), on your member card, or you can visit a branch location, or call 859.264.4200 and speak to us.

To find your account number in online or mobile banking, complete the following steps:

  • Select an account tile, such as Primary Share or Sharedraft Checking
  • Select the "Details" tab
  • Your account number will be shown in full at the top of the page.

 

If someone transfers money into my account, can they see my account balance?

No. They will only be able to view their balances.

It is the policy of the University of Kentucky Federal Credit Union to respect the privacy of our members and to protect the security and confidentiality of your non-public personal information. We have established policies to (1) ensure the security and confidentiality of our members' records and information; (2) to protect against any anticipated threats or hazards to the security or integrity of such records; and, (3) protect against unauthorized access to, or use of, such records or information which could result in substantial harm or inconvenience to any of our members.

Go to our privacy policy to learn more.

What is my account number?

Your account number can found in online banking and mobile banking, on the bottom number of your check (the second set of numbers), on your UKFCU member card, or you can visit a branch location and speak to us. A new member card can also be printed for you at all of our teller lines.

To find your account number in online or mobile banking, complete the following steps:

  • Select an account tile, such as Primary Share or Sharedraft Checking
  • Select the "Details" tab
  • Your account number will be shown in full at the top of the page.

What is the difference between an insufficient funds fee and uncollected funds fee?

An insufficient funds fee is charged when there are not enough funds in the account to cover the item that you have purchased. An uncollected funds fee is charged when funds are in the account but are not available to pay the item, due to holds on the account. Holds could be present on the account due to pending purchases, holds placed on deposits, or other miscellaneous holds.

The best way to avoid NSF or UCF fees is to keep a register of activity in your checking account. You can track your transactions using online banking!

Don't have online banking? Sign up today!
 

What is the difference between balance and available balance?

Your available balance shows the amount of funds you have available to withdraw, excluding any transactions or holds that are pending in our system. This balance may not reflect all pending items and you should always keep a register of all transactions for your account in order to avoid service charges.

Keep track of your transaction history using online banking!