How do I pay my credit card online?

To pay your credit card using either mobile or online banking, you will need to complete the following steps:

  • Select "Card Controls" from the menu list.
  • Next, select "Credit Card Mgmt."
  • Complete the four fields of information required to make your payment and click "Submit."

 

How do i find my account number?

If you need your account number, this can be found by clicking on your savings account tile on the home screen and selecting the "details" tab. From there, your full account number will be displayed.

You may also pay your credit card statements using the same prompts in mobile banking or on our website using the PAY NOW quick link.

How do I pay my car loan online?

The easiest way to pay your auto loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

If you don't have online or mobile banking, you may also pay your auto loan online for free using our PAY NOW service.

Can my UKFCU account receive money that is wired internationally?

Yes! Both Business Accounts and Personal Accounts can receive wired funds from international accounts.

However, only UKFCU Business Accounts can send funds to international accounts. Personal accounts are unable to send funds internationally from their accounts. 

Receiving and transferring international funds are subject to service fees. Please review our Truth in Savings Disclosure on our Form Page for all fee rates. 

Can I wire money internationally from my UKFCU account?

Only UKFCU Business Accounts may make external international wire transfers. Personal accounts are not eligible for external international wire transfers.

Both Business and Personal Accounts can receive internal wires from abroad.

Receiving and transferring international funds are subject to service fees. Please view the Truth in Savings disclosure on our Forms Page for a copy of all fees.

How do I pay my car payment online?

The easiest way to pay your auto loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

If you don't have online or mobile banking, you may also pay your auto loan online for free using our PAY NOW service.

What is your phone number?

859.264.4200 or 800.234.8528 


How do I activate a gift card?

To activate a gift card, you can go to the prepaid Visa Card section of our website and follow the prompts. Or you can follow this link for direct access

Once you have logged in with your gift card, please follow these steps to ensure activation:

1. Choose "Register Card" from the dropdown menu

2. Hit "Go"

3. Enroll your cardholder information

I noticed an error on my credit report for a UKFCU loan. What should I do?

Occasionally the credit reporting agencies incorrectly interpret the data given to them each month. If you are reviewing your credit history and notice an error, please contact us.

If you have a problem or question please feel free to contact the credit union. We can be reached during regular business hours (Monday-Friday: 9:00 a.m. to 6:00 p.m. and Saturday: 9:00 a.m. to 1:00 p.m.) by calling 859-264-4200 or 800-234-8528, or in person at one of our branch locations, or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.

Online and Automated Services

Log on to your account with Online Banking

What is your SWIFT code? Do you offer international wire transfers?

The Credit Union does not have a swift code. We have a routing number, 242176129.

We do accept International Wires, however only Business Accounts offer external International Wire Transfers.

All international wires must come via a United States Bank.

Routing numbers identify the financial institution from and to which funds are transferred. They allow companies and individuals to know which specific bank out of all banks has the account in question. The routing number for the UK Credit Union is: 242176129.

A routing transit number comes in the form of a nine-digit number that usually precedes the account number found at the bottom portion of checks.

 

Why do you pull credit for new account application?

Under the requirements of the Patriot Act, all banks must do an identity check on a new customer. They use "customer identification programs" (CIP) that compare your name, address, date of birth, and other facts to the information contained on your credit report. Your credit score would not be damaged by that step.

The CIP regulations require institutions to implement reasonable procedures for:

  • Verifying the identity of any person seeking to open an account, to the extent reasonable and practicable.
  • Maintaining records of the information used to verify the person's identity, including name, address, and other identifying information.

Banks also review ChexSystems and sometimes credit report data during the process of determining if a customer qualifies to open a new account. Under FCRA regulations, the bank has to have a permissible purpose such as "intending to use the information in connection with a credit transaction involving the consumer" in order to pull a credit report and must obtain the consumer's consent first. A hard inquiry like this could cause a small credit score ding. 

Why did my check bounce when I had money?

There could be many reasons why your check bounced. For security reasons, you will have to contact us or visit a branch location to speak about your unique situation.

If you have a problem or question please feel free to contact the credit union. We can be reached during regular business hours (Monday-Friday: 9:00 a.m. to 6:00 p.m. and Saturday: 9:00 a.m. to 1:00 p.m.) by calling 859-264-4200 or 800-234-8528, or in person at one of our branch locations (hours may vary), or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.
What is an E-statement (electronic statement) and where is it?

eStatements allow you to view your monthly transactions through the convenience of online banking or mobile banking. eStatements also increase your account security since statements will no longer arrive via mail.

If you are signed up to receive eStatements, you can view them by selecting "Statements" from the menu list once you log into Online Banking. Select the account for which you would like to review your statements, and the statements will be listed by month.

To enroll in eStatements, login to Online Banking and click on the "Statements." To enroll, follow the instructions below:

  • Click on the "Statements" tab in online banking.
  • Select the "Statement Preferences."
  • Select which accounts you would like to enroll in e-statements by switching the respective dropdown menu to "Electronic Statements."
  • Accept the e-statement delivery disclosure and select "Submit."
Is there a fee for cashier's checks?

Fees are subject to change. Please see the Truth in Savings disclosure on our Forms Page for current fees.

Is there a fee for money orders?

Fees are subject to change. Please see the Truth in Savings disclosure on our Forms Page for current fees. 

How do I transfer money into a different account?

To initiate an internal or external transfer, select "Transfer Funds" from the menu list, or by selecting "Transfer Money Now" from the quick list in Online Banking. From here, you will be able to choose the from/to accounts, the amount, frequency of transfer, length of recurring transfers, date, and an optional memo.

Transfer can be initiated in the same format using mobile banking.

How can I sign up for direct deposit?

To make your life easier, have your payroll check directly deposited into your account. This will save you time by not having to wait in teller lines to cash your check, and you'll have convenient and immediate access to your money on payday!

Setting up direct deposit is quick, easy, and beneficial to help save you time, money and effort. You will set direct deposit up through your employer. Make sure to have our routing number and your account number.

UKFCU's ABA/Routing Number is: 242176129

Click on links below for a direct deposit printable form.

UK Direct Deposit Form

EKU Direct Deposit Form

KCTCS Direct Deposit Form

Social Security Direct Deposit Form

When will you send my tax forms?

Tax forms will be available for a period of 24 months in your Online Banking account.

If you already use Online Banking, simply log in.

  • Select "Statements" from the menu list
  • Select "Access Statements"
  • Select the account for which you would like to view statements
  • Click the "Year" tab and view your yearly statements.
Can I mail a check for deposit into my account?

Yes. Be sure to include a deposit slip and write your account number on the check. All mail correspondence should go to our Corporate Office at:

1730 Alysheba Way, Lexington, KY 40509

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches, you can also access your account 24 hours a day through our Mainline phone system or Online Banking service.

Go to our hours and locations page to find a branch near you!

Do you offer a notary service?

Yes, you may stop in at any of our branch locations for our notary services. There is no charge for members to use this service. Please bring along a photo ID.

Go to our hours and locations page to find a branch near you!

Do you offer a foreign currency exchange service?

We offer currency exchange for certain foreign currencies. The fee for currency exchange is a flat rate of $32.00, and can typically be available in 2 weeks.

Your currency exchange can be ordered at any in-branch teller line or by phone at 859-264-4200. 

View our branch hours and locations.