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Mainline Phone Banking

Mainline Instructions

Operating Instructions for Mainline

**If you are a new Mainline user the system will prompt you for an access code. For the initial call you will create your personal access code (this will be a four digit number of your choice). You will then be prompted to confirm the code with the Primary Account holder’s Social Security Number. The code you have created will be your personal access code to enter into Mainline for all future calls. Please make sure you remember this code and that you do not share it with others.

Step #1- Call 859.264.4899 or  800.234.UKCU (8528)

Step #2- After the greeting, enter your account number, followed by the pound (#) sign

Step #3- Enter you personal access code followed by the pound (#) sign

Now you are ready to conduct your credit union business quickly and conveniently!

Tips to Remember:

  • Make sure your phone is touchtone. If you experience problems, please try another phone.
  • Enter your account number, then press #
  • Press the pound (#) key after each entry (if required)
  • Dollar amounts are entered without decimals, such as: $10.25 would be entered as 1025#
  • Calls are limited to 10 minutes per call; however , you are welcome to call as often as needed
  • Minimum check share withdrawal of $10.00
  • You need to know your share or loan ID number to conduct certain transactions. To find out your share ID’s:
    • For a listing of open shares press 1 then 4.
    • For a listing of open loans press 1 then 5.
  • If you switch to expert mode, please scroll down this page for the proper instructions.

Basic ID’s

00-Regular Savings
01-Vacation Club
03-Christmas Club
04-Senior Account
77-Money Market
80-Checking
09- Loans

Beginner vs. Expert Mode

“Beginner Mode” takes you through each step of your transaction. Once you are comfortable with conducting business through the Mainline, you may switch to “Expert Mode” for faster service.

To change mode, go to the “Additional Option Menu” (Press 7), go to the “Change Preferences Option” (Press 2) and select “Change to Expert Mode” (Press 2).

Please feel free to call 859.264.4200 or 800.234.8528 during regular business hours (M-F 9:00am-6:00pm, Sat 9:00am-1:00pm EST), or send an e-mail to contact@ukfcu.org if you need further assistance.

Menu Mode

Main Menu

  • Press 1 for Balance Inquiries
  • Press 2 for History Inquiries
  • Press 3 for Transfer
  • Press 4 for Checking Information
  • Press 5 for Loan Information
  • Press 6 for Withdrawals
  • Press 7 for Additional Options
  • Press 0 to speak with an operator
  • Press * to end call

Balance Inquiry (Press 1, then…)

  • Press 1 for Savings
  • Press 2 for Checking
  • Press 3 for Loans
  • Press 4 for List of open Shares
  • Press 5 for List of open Loans

History Inquiry (Press 2, then…)

  • Press 1 for Last Payroll deposit
  • Press 2 for Last deposit
  • Press 3 for Share history
  • Press 4 for Loan history
  • Press 5 for Deposit history
  • Press 6 for Recent transaction history
    • Press 1 for Check history
    • Press 2 for ATM history
    • Press 3 for ACH history
    • Press 4 for Payroll history
    • Press 5 for Loan Payment history

Transfers (Press 3, then…)

  • Press 1 for Savings to Checking…………………1
  • Press 2 for Checking to Savings…………………2
  • Press 3 for Share to Share………………………..3
  • Press 4 for Loan to Savings………………………4
  • Press 5 for Loan to Checking……………………5
  • Press 6 for Savings to Loan………………………6
  • Press 7 for Checking to Loan……………………7

Checking Information (Press 4, then…)

  • Press 1 for Balance
  • Press 2 for Check Number Inquiry
  • Press 3 for History
  • Press 4 for Check Copy Request
  • Press 5 for Check Stop Payment
  • Press 6 for Check Reorder*
  • Press * to Repeat last order.

Changes may not be made through audio. Visit office or send in reorder form with changes.

Loan Information (Press 5, then…)

  • Press1 for Balance
  • Press 2 for List of Open Loans
  • Press 3 for Payment Inquiry
  • Press 4 Payment History
  • Press 5 for Payoff Amount

Withdrawals by Check (Press 6, then…)

  • Press 1 for Savings Withdrawal
  • Press 2 for Loan Advance

Additional Options (Press 7, then…)

  • Press 1 for Year to Date Information
    • Press 1 for IRA Contribution
    • Press 2 for Dividend Information
    • Press 3 for Interest Information
  • Press 2 for Change Preference
    • Press 1 for Change Access Cod
    • Press 2 for Change to Expert Mode
    • Press 3 for Change home fax number
    • Press 4 for Change business fax number
    • Press 5 for Change Language
  • Press 3 for Change to another account
  • Press 4 for Fax Menu
    • Press 1 for Account Summary
    • Press 1 for Account Statement
  • At the end of every menu you may hit:
    • Press 0 to speak with an Operator
    • Press * to end the call
    • Press # to return to the previous menu

Expert Mode

Step #1: Dial 859.257.UKCU or 800.234.UKCU

Step #2: Enter account number followed by #

Step #3: Enter access code followed by #

Step #4: Enter service code followed by #

General Service Codes

  • Press 15 for Open Saving
  • Press 16 for Open Loan
  • Press 17 for Loan Payment
  • Press 24 for Dividend Information
  • Press 25 for Interest Information
  • Press 26 for Last Payroll
  • Press 27 for Last Deposit
  • Press 29 for Last ATM
  • Press 30 for Last ACH

History* (i.e. checking history: 22# then 80#)

  • Press 22 for Shares (includes Checking)
  • Press 23 for Loans
  • Press 28 for Deposit

Balance* (i.e. Senior: 12# then 04#)

  • Press 12 for Savings
  • Press 13 for Checking
  • Press 14 for Loans
  • Press 18 for Accounts

Transfer Service Codes*

  • Press 31 for Savings to Checking
  • Press 32 for Checking to Savings
  • Press 33 for Share to Share
  • Press 34 for Loan to Checking
  • Press 35 for Checking to Loan
  • Press 36 for Share to Loan
  • Press 37 for Loan to Savings
  • Press 38 for Loan to Account
  • Press 39 for Account to Loan

Checking Information

  • Press 42 for Specific Check Inquiry
  • Press 43 for Stop Payment
  • Press 44 for Order copy of check
  • Press 45 to Reorder checks
  • Press * to Repeat last order.

Changes may not be made through audio. Visit office or send in reorder form with changes.

Withdrawals by Check

  • Press 61 for From Savings
  • Press 62 for From Loan
  • Press 63 for From Account

Other Transactions

  • Press 50 for Fax Statement
  • Press 51 for Fax Summary
  • Press 55 to Change access code
  • Press 56 to Change to Beginner
  • Press 60 to Change languages
  • Press 70 to Change accounts
  • Press 80 for General Information
  • Press 98 for Help
  • Press 90 to Transfer to Operator
  • Press 99 to End Call

*Basic ID’s

00-Regular Savings
01-Vacaiton Club
03-Christmas Club
04-Senior Account
77-Money Market
80-Checking
09-Loans

Mainline Agreement and Disclosure

I understand that the use of my access code will acknowledge acceptance of the following terms and conditions:

  1. I will not disclose my personal access code to anyone not authorized to sign on the account.
  2. It is my understanding that my control number may be used for transfers between my accounts, information regarding my accounts and for such other transactions as may become available, of which this agreement is made a pert by reference.
  3. If I default in my accounts I owe under this Agreement, I agree to pay and all attorney fees and collection costs incurred by the Credit Union.
  4. I waive all present or future claims against the Credit Union and release the Credit Union from all responsibility for loss of damage not caused by the Credit Union’s negligence which I might incur through unauthorized transactions of any kind from my account(s) through the custody and use of the access number.
  5. I understand the Credit Union reserves the right to discontinue access to MAINLINE without notice and will not be liable for failure to honor any MAINLINE transactions.
  6. The total dollar amount of transactions via MAINLINE are subject to limits set by the Credit Union, and sufficient verified funds must be available to satisfy my transaction instructions.
  7. Amendments to this Agreement may be provided to me, in accordance with applicable laws, without restatement of the terms, conditions and requirements as the Credit Union may establish from time to time.

Electronic Fund Transfers Disclosure

  • There is no charge to you for this service. The Credit Union reserves the right to impose service charges at a future date after giving you notice of such service charges.
  • Information concerning your share or loan account will be given to third parties only: a) in order to comply with the order of a government agency or court, b) if you give us your written permission, or c) where it is necessary to complete the automatic transfer to your account.
  • You will receive a statement of your account at least once every quarter. Share Draft (Checking) statements are mailed monthly.
  • If we do not complete a transfer to your account in time or for the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, a) if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken, b) if the part sending us the deposit either fails to generate the deposit or fails to generate the correct amount on time, or c) if, through no fault of ours, you do not have enough money in your account to make the transfer. There may be other exceptions stated in our agreement with you.

In case of errors or questions about your electronic transfer, telephone us at 859.264.4200, e-mail us at contact@ukfcu.org, or write us at 2557 Sir Barton Way, Lexington, KY 40509 as soon as you can if you think your statement is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared.

  • Tell us your name and account number
  • Describe the error or the transfer you are unsure about, and explain why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require you to send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes to complete our investigation. If we ask you to put your complaint in writing and we do not receive it in 10 business days, we may not credit your account. If we decide that there is no error, we will send you a written explanation within 3 business days, after we finish our investigation. You may ask for copies of the documents we used in our investigation.