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Online and Mobile Banking FAQ

Find answers to your questions about UCCU’s Online & Mobile Banking Experience.

+ Your Member Number

What is a Member Number?

A member number is a unique number used to identify your membership with Utah Community Credit Union (UCCU).

What is my Member Number?

In most cases, your current account number will become your official Member Number.  If you have more than one account number with UCCU, your lowest (oldest) account number will become your official Member Number.  If you are a joint member on an account and don’t have a primary account of your own, you will be assigned a randomly generated Member Number.

When do I use my Member Number?

A member number is used to locate your accounts (formerly suffixes) and profile information when you visit a branch, contact the telephone Service Center or log into Online Banking.

+ Your First Login

How do I login to UCCU’s online banking platform?

Step 1: Visit or – if using a mobile device – download the new UCCU Mobile App. 

Step 2: Enter your Member Number in the “username” field and select “Login.” 
NOTE:  If you have previously customized your login “username” for your Account Number, you will need to enter your custom username.

Step 3: Enter your existing UCCU Online Banking password when prompted and select “Login.” 

Step 4: Select how you would like us to deliver your Secure Access Code. 

Step 5: Once you receive your Secure Access Code – (the Secure Access Code will arrive to the target you selected within a few seconds of requesting it), enter it into the space provided during login. 

Step 6: Please choose/change your password.

Step 7: Review and agree to the Online Banking and Mobile Banking Terms and Conditions associated with these services.

Step 8: Enjoy state-of-the-art banking functionality, convenience, and security.

Should people I share accounts with use my login credentials?

Every member you share accounts with will receive their own Member Number and should set up their own login credentials (password) for Online Banking.  Even though their Member Number is different from yours, when they log in they will see all the accounts that you share. We strongly suggest you keep your password private. That said, if sharing a Member Number for online banking works best for you and/or your household, that can be done.

What will I see when I login for the first time?

You will see every savings, checking and loan account that you are signed on at UCCU.  Each account will be listed in a tile (rectangle box) and can be dragged and dropped to create groups of accounts.

How can I easily identify the accounts I’m signed on from your old system?

  • Savings account numbers will all start with 100 and contain the account number and two-digit identifying suffix from our old system.   
  • Loan account numbers will start with 200 and also contain the account number and two-digit identifying suffix from our old system.
  • Checking accounts will begin with 75050 and end with the account number from our old system.
  • Credit cards will contain a reference to the last 4 to 6 digits of the number printed on your card.
+ New and Enhanced Features

Unified Experience

The functionality, look, and feel of your online and mobile banking will be consistent across all your devices. This is intended to improve your experience on all platforms by making navigation simple and familiar, regardless of the device.

Single Login

With one login you can view and manage your entire relationship with UCCU.

Unlimited account expansion

More flexibility than ever before to match your ever-changing financial needs. For example, if your household money management goals and budget require eight savings accounts, an IRA, three Certificates of Deposit, two auto loans, and three checking accounts, our new system gives you the power and flexibility to manage it all with the ease of one login.  

Organize accounts into groups and assign nicknames  

Grouping your accounts and using nicknames is a helpful way to make managing a large number of accounts with UCCU quick and easy. 

Biometric Authentication

Touch ID/Facial Recognition is not just for unlocking your smartphone. You can also use it to login to UCCU’s mobile banking system instead of typing your username and password every time. It’s easy to enable. Just open the “Settings” menu, click on “Security Settings” and follow the prompts.

World-Class Digital Money Management

Advanced digital banking tools that are sure to exceed your highest money management expectations. Aggregate and manage your money with budget goals, spending alerts, spending categories, visual tools, and much more.

360-View Account Aggregation

Account Aggregation automatically collects financial information from accounts at different institutions, which may include bank accounts, credit card accounts, investment accounts, and other consumer or business accounts, and delivers up a 360-degree view of all your assets and liabilities. You can also add manual accounts for things like home value, personal debt, and assets like precious metal for a comprehensive view of your financial life.  

Palm Reader Security

When conducting business at branches you can keep your picture ID in your wallet or purse.  After an initial setup involving a scan of the vein pattern in your hand, UCCU Palm Readers will authenticate your identity quickly, securely, and accurately at teller and member service stations.

+ General Questions

What is a Secure Access Code?

A Secure Access Code (SAC) is a randomly generated code that will be sent to you by a method which only you can obtain (e.g. an SMS text message to your wireless device).

What is the purpose of a Secure Access Code?

A Secure Access Code is a security feature that allows you to register a computer (or device) you are using for either one-time or future on-going use. If you frequently use a personal device to access Online or Mobile Banking, you can register the device, which will allow UCCU to recognize the device and browser you’re using. Once you have registered a device, you will not be prompted for a Secure Access Code with future logins on that device. However, if the computer you use is public, or one which you do not regularly use, we recommend – for your security – that you do not register the device.

Registering your computer is another layer of security to help prevent your online banking account from being accessed by an unregistered computer – even if your Login ID and Password are accidentally or unintentionally compromised.

How will I receive a Secure Access Code?

During your initial login sequence, you will be asked to select how you would like your Secure Access Code to be delivered to you. Depending on what contact information we have on file for you, you may select (1) text message, (2) phone call (read to you over the phone by a computer) or (3) e-mail. The code is sent immediately. In order to successfully complete your initial login to online banking, the Secure Access Code should be retrieved and entered in the space provided during your login.

How can I get a Secure Access Code (SAC) if my SAC Targets are blank or incorrect?

Please call a member service representative at 1-800-453-8188 during normal business hours for assistance. 

Should I save my Secure Access Code?

No. Whenever you log in from an unrecognized computer or mobile device, we will send you a randomly generated single-use Secure Access Code.

I have registered my device, but I’m being prompted for another Secure Access Code. Why?

There are several reasons this may happen.  Most commonly, this occurs when your browser settings are set up to delete cookies, or your browser cookie for Online Banking has been deleted since your last login. It can also happen if you are logging in with a different browser on the same registered device. You may have a program on your device that automatically deletes the cookie. If so, that feature will need to be turned off or configured to accept and retain cookies from Utah Community Credit Union.

How do I remove the registration from a device?

You can remove the registration of a device or browser by deleting your cookies, or just the cookie related to UCCU’s Online Banking (

How do I know if my browser is compatible? 

The only browser requirement is that your browser must be HTML5 compatible. Compatible browsers include Mozilla Firefox®, Google Chrome™, and Safari®. We recommend updating your browser to the latest version available—not just to ensure compatibility with the new online banking experience, but also to ensure that your online banking is as secure as possible. Because Microsoft no longer provides updates, Internet Explorer® is not supported.

Is financial software supported?

Yes!  Many financial software options, such as Quicken® or QuickBooks™, are supported. 

Can I access my accounts on my phone/tablet?

Absolutely. UCCU online and mobile banking will provide you the ability to bank anytime, anywhere, from any device—conveniently and securely. You can download the UCCU Mobile App on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you’re on a platform that isn’t Android or Apple, you can always access online banking via your HTML5-compatible mobile browser.

Will I need to setup security questions?

No. The Secure Access Code eliminates the need for security questions.

Answers to Additional Questions

For answers to any additional questions, please call a member service representative at 800-453-8188 for assistance.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
or send us a message from inside online banking.

Stop by a Branch

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