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Welcome to UCCU

Woohoo! Your TransWest accounts have officially made the move to UCCU. Just follow the steps below to log in and start exploring our award-winning Digital Banking platform—it’s easy, intuitive, and built with you in mind.



  • UCCU Mobile Banking App: See all of your accounts and manage your finances with innovative banking tools and technologies.
  • UCCU CardApp: Complete control of your cards. Activate, lock, configure controls/alerts, get an instant digital replacement and more!
  1. If you are new to UCCU’s Digital Banking, then select “Forgot your password?” to setup a password and follow the prompts.
    • Your UCCU Member Number will be your Username. You can change your username once you have logged in.

If you cannot retrieve your secure access code or need any assistance, please call (801) 223-8188.


MERGER UPDATES

Account Access

To log in to UCCU’s Digital Banking you will need your UCCU Member Number. If you did not receive your member number in the mail, please contact us at 801-223-8188.

Debit & Credit Cards have been turned on.

You can begin using your UCCU Debit and Credit Cards. If you did not receive your card(s) in the mail, please contact us at 801-223-8188.

Direct Deposit Reminder

Your payroll direct deposit and other ACH recurring deposits will continue without disruption. No action required.

Need Assistance? We’re ready to help!


Merger FAQ Topics

Click on a topic for answers to FAQ questions.


UCCU Member Numbers

Did my member number stay the same?

You should have received a letter containing your UCCU Member Number. If you do not receive your member number letter in the mail, please contact us at 801-223-8188. View a sample UCCU Member Number letter using this link.

Should I share my member number with the joint-owners of my account?

No. We’re pleased to inform you that for enhanced security and convenience, each person who shares ownership of an account with you (regardless of age) will receive their own Member Number and will be able to set up their own login credentials for UCCU Digital Banking. Since their Member Number will be different from yours, when they log in to mobile and online banking (on or after June 2, 2025), they will be able to see and manage all the accounts they are signed on.


Digital Banking & App

How do I login to my digital banking?

Download the UCCU mobile app. You will need your UCCU Member number.

  1. If you are new to UCCU’s Digital Banking, then select “Forgot your password?” to setup a password and follow the prompts.
    • Your UCCU Member Number will be your Username. You can change your username once you have logged in.

If you cannot retrieve your secure access code or need any assistance, please call (801) 223-8188.

Visit uccu.com/DigitalBanking for more digital banking tools.

Will my Digital Banking alerts still work with UCCU Digital Banking?

All Digital Banking alerts will need to be set up again on or after June 2, 2025. For more information, visit www.uccu.com/alerts


Direct Deposits & Automated Payments

Will my direct deposits (e.g. payroll, social security) continue to post without interruption?

Yes! You should not experience any changes to your direct deposit.

Will my automatic payments/transfers continue to work? 

No. Automatic transfers and loan payments (including Bill Pay or Zelle services) will need to be set up and scheduled inside UCCU Digital Banking. For more information, visit our Payments and Transfers page.

Will the routing number be different with UCCU?

Yes. When setting up automated (or one time) ACH payments or requesting a wire transfer, be sure to use UCCU’s routing number of 324377820. 


Checking and Deposit Accounts

Will I still be able to use my checks issued by TransWest Credit Union?

Yes. While TransWest checks will continue to clear without interruption for the next 12 months we encourage members to request a free box of UCCU checks at their convenience.

How should I order new checks?

You may place an order for new UCCU checks by visiting any branch, calling 801-223-8188, or logging in to UCCU Digital Banking at UCCU.com.

Will there be any changes to my overdraft protection?

Your overdraft protection and Courtesy Pay settings will stay the same.

What does this mean for my deposit account interest/dividend(s) and rates?

Dividend rates are the same if not slightly higher on all UCCU deposit products. Interest will accrue and be paid on the first of each month, even on accounts that currently have dividends paid quarterly.

Will my accounts continue to be insured?

Yes. Credit Union deposits will continue to be federally insured by the National Credit Union Administration (NCUA), meaning you will still have up to $250,000 in protection for an individual membership.


Bill Pay & Zelle®

How can I ensure a smooth Bill Pay transition?

 Access to the TransWest Bill Pay service will be removed at the end of the day May 23, 2025 so to make the switch to UCCU Bill Pay as easy as possible, just follow these three simple steps.

Before May 23

  1. Log in to TransWest Bill Pay and capture (write down) your payee and payment information so you can easily recreate each payee in the UCCU Bill Pay system on or after June 2.
  2. Any payment scheduled after May 23 will not be processed. Please move the payment date earlier or you can make payments with UCCU’s Bill Pay on or after June 2.

On or After June 2

  1. Log in to UCCU Digital Banking and navigate to Bill Pay. Use the payee information that you captured prior to May 23, 2025 (see step 1 above) to set up your payees and payments in UCCU Bill Pay.

How can I ensure a smooth Zelle transition?

Access to the TransWest Zelle service will be removed at the end of the day May 28, 2025. Starting June 2, 2025, you’ll be able to enroll in Zelle with UCCU—making it easy to send and receive money with people you trust.

Before May 28

  1. Log in to TransWest Zelle and capture (write down) your Zelle contacts and payments so you can easily recreate your Zelle service with UCCU on, or after, June 2.

On or After June 2

  1. Log in to UCCU Digital Banking and navigate to Zelle. Use the contacts and payments information that you captured prior to May 28, 2025 (see step above) to set up your Zelle service with UCCU.

Visa Debit & Credit Cards

Do I have to order a new debit/credit card?

You should have received your UCCU debit/credit card in the mail. If you did not receive your card(s), you can visit any UCCU branch to have a card instantly issued or you can contact a Member Service Representative at 801-223-8188 for assistance.

What does this mean for my credit card rate(s)?

TransWest VISA Credit Cards have transitioned to UCCU’s Low Rate Visa Credit Card product. For current rates, and to explore additional rewards card options, please visit uccu.com/visa.

Can I apply for or upgrade to a VISA Rewards Credit Card with UCCU?

Yes. We have two very popular 4-3-2-1 Cash Back Rewards credit card options to consider. Learn more at uccu.com/4321.

What about card design options? Can I select different card art?

Yes. UCCU offers several card design options to fit your personality or simply help you quickly select the correct card from your wallet. Most of the UCCU card designs are available for instant issue at any UCCU branch location.

What will happen to my ATM card?

You should have received a new UCCU ATM card. If you did not receive a new ATM card by June 2, 2025, please give us a call at 801-223-8188.

Will my PIN still work, or will I have to change it?

You should have received a new PIN number mailer a day or two after you received your new card in the mail. If you did not receive a PIN mailer, or would like to personalize your PIN so it’s easier to remember it’s an easy process.  Simply visit any branch with your picture ID and the new card for assistance.


Loans and Loan Payments

What will happen to my TransWest Credit Union loans?

All of your loans will remain open and transfer to UCCU.

What does this mean for my loan rate(s)?

You will continue to pay interest on loans at the rate on your original loan document. 

What will happen to my loan with TransWest?

You can now make your payments inside UCCU’s online or mobile banking. For more information visit uccu.com/LoanPayment

Will my loan payment due dates change?

Most loan payment due dates will not change.

How will I pay my loan(s)?

On or after June 2, 2025 you can login to UCCU Digital Banking and make loan payments or set up automatic recurring payments. Loan payments sent to UCCU via mail should be sent to either of these addresses:

Utah Community Federal Credit Union (UCCU), P.O. Box 1900, Provo, UT 84603-1900


Mortgage Loans and Payment Options

What are my Mortgage Payment Options?

There are 4 mortgage payment options below:


Automatic Monthly Electronic Payment Option: Follow the steps below to setup monthly recurring automatic payments from your UCCU checking or savings account.

  1. Log in to your UCCU mobile app or online at www.uccu.com.
  2. Click on the Mortgage Loan account tile.
  3. Under “Never Miss a Payment” click on “Enroll Today” and follow the prompts to complete the setup.

IMPORTANT NOTE: After submitting your request, a confirmation and start date will be sent to you. Please continue to make payment via an alternative method until your confirmed start date.


One-Time Payment Option: Follow the steps below to make a one-time payment from your UCCU checking or savings account.

  1. Login to your UCCU mobile app or online at www.uccu.com.
  2. Click on the mortgage loan account tile.
  3. Click on “Make A Payment.”
  4. Click “Make A One-Time Payment” and follow the prompts to complete the setup.

UCCU Branch Option: Visit us at any of our branch locations to make a one-time payment from your UCCU checking or savings account.


Mail-in Option: To mail a payment, use the appropriate address below for either regular or overnight mail. Please include your loan number on payments mailed or overnighted.

  • Regular Mail: Dovenmuehle Mortgage, Inc (DMI) PO Box 660592, Dallas, TX 75266-0592
  • Overnight Mail: Dovenmuehle Mortgage, Inc (DMI) 1 Corporate Drive, Suite 360, Lake Zurich, IL 60047

IMPORTANT NOTE: BI-WEEKLY PAYMENTS ARE AVAILABLE: If you would like to setup payments every two weeks on your loan, please call 801-223-8188


If you have any questions, please call 800-223-8188 or email us at [email protected]

What will happen to my existing mortgage through TransWest credit union?

It will be serviced by UCCU’s mortgage servicing partner Dovenmuehle Mortgage, Inc. (DMI), an industry leader in mortgage servicing.

Why can’t I see my mortgage loan inside UCCU Digital Banking?

It will take a few days to complete the system integration with Dovenmuehle Mortgage, Inc. (DMI) so your mortgage loan will not be visible inside UCCU Digital Banking until June 9, 2025. If you need assistance during this time or any question related to your mortgage loan, please contact us at (801) 223-8221 or [email protected].

IMPORTANT NOTE: There is a 60 day grace period from June 1 during this transition. Late payments received after July 31, 2025 will be considered delinquent and will accrue a late


Statements & Transaction History

Will I still be able to view my transaction history via Digital Banking?

Your transaction history up to June 1, 2025 will not carry over to UCCU Digital Banking. However, you will be able to access eStatements from the last 36 months within Digital Banking, and you may contact us for any additional statement records. Transaction history starting June 2, 2025 will be viewable inside UCCU Digital Banking.

Will the merger affect my statements?

While your statement preferences will remain the same, all June 1, 2025 statements will be mailed from TWCU as normal. Going forward with UCCU, all statements will be sent based on your statement preferences. According to our Member Service Agreement, if you do not have a checking account or any activity within a given three months, you will only receive statements quarterly.

Will statement history be retained, and if so, how far back in time?

Statement records will be available within UCCU Digital Banking for 36 rolling months, and you may contact us for any additional statement records.

Will this affect my 2025 tax statement forms?

If you are to receive Forms 1098, 1099-C, 1099-INT, 1042-S, 1099-R, 1099-SA, 1099-Q, or Fair Market Value Statements for 2025 from the credit union, you will receive them from UCCU for the entire year of 2025. Any Forms 1098, 1099-C, 1099-INT, and 1042-S will be sent to you according to your statement preferences, and Forms 1099-R, 1099-SA, 1099-Q, and Fair Market Value Statements will be mailed to your primary address on file. You will receive these in early 2026.


Insurance & Investments

Will I need to update my homeowner’s insurance for any mortgages and/or home equity loans?

No, you will not need to update these. The update will happen automatically.  

Will I need to update my auto insurance policy for my vehicle loan?

No, you will not need to update the lienholder/loss payee on your insurance policy for any vehicles that were financed with TransWest Credit Union and transferred to UCCU. For any new loans, we will provide you with the lienholder/loss payee details to use on your insurance policy when the loan is funded.

What will happen to my TruStage accidental death and dismemberment (AD&D) insurance?

If you have any complimentary or paid insurance through TruStage, this will stay in place, and you will not need to take any action to maintain coverage. You should have received a letter from TruStage informing you of any changes in coverage, etc.

What will happen to my credit life and credit disability insurance?

Credit disability insurance on your loans will stay in place according to your original loan agreement until the loan is paid off. Members who had changes to their credit life and credit disability insurance have already been notified.

What will happen to my mechanical breakdown protection (MBP) or guaranteed asset protection (GAP) insurance?

Any existing mechanical breakdown protection (MBP) or guaranteed asset protection (GAP) coverage on your loans will stay in place according to your original loan agreement until the loan is paid off.

What will happen to IRA accounts?

Your existing IRA accounts will remain open, and the existing account features will remain the same.


Branch Locations & ATMs

Where does UCCU have branches and ATMs?

UCCU has a total of 25 branches and over 85,000 ATMs nationwide.

Will I still be able to use CO-OP ATMs?

Yes, UCCU has partnered with the Co-op and All-point ATM networks to provide members with over 85,000 surcharge-free ATMs.

For specific ATM questions, please call us at 801-223-8188 or stop by any UCCU branch location (uccu.com/locations). For our telephone service center hours visit uccu.com/hours.


General Merger Questions

When was the merger between TransWest Credit Union and UCCU finalized?

On January 1, 2025, TransWest Credit Union members, branches, and staff officially became part of Utah Community Federal Credit Union (UCCU). On June 2, 2025, TransWest was fully integrated into UCCU. 

Did I automatically become a UCCU Member?

Yes! Anyone who was a TransWest Credit Union Member on December 31, 2024, is now a UCCU Member.

What will happen to the TransWest branches and staff?

All TransWest branch locations will continue to operate as normal. Employees you know and trust have joined the UCCU team and will continue to serve you and your financial needs.

Will the mailing address change?

Yes, please mail all loan payments, bill payments, deposits, and loan payoffs to the following address:

  • Utah Community Federal Credit Union (UCCU), P.O. Box 1900, Provo, UT 84603-1900

Who can I contact for specific account questions?

For specific account questions, please call us at 801-223-8188 or stop by any UCCU branch location (uccu.com/locations). For our telephone service center hours visit uccu.com/hours.


Here’s everything you need to know for a smooth transition.

  • Your UCCU Member Number letter with online banking login instructions.
  • Plus, keep and eye out for letters containing important details and instructions to ensure a seamless transition for the services you currently use at TransWest, such as:
    • Your new UCCU Visa Debit and/or Credit Card will arrive towards the end of May.
    • Bill Pay and Zelle user instructions.
    • Visa Credit Card “Uchoose” rewards redemption instructions.
    • Mortgage payment instructions.

Hours vary. See uccu.com/locations for details.

Easy Steps to complete on or after June 2, 2025

  • Download UCCU Mobile Banking
    Easily access all your accounts with innovative tools to help you budget, manage your finances, and a lot more!
  • Download UCCU CardApp
    Intelligent technology for convenient control over your UCCU credit and debit card transactions, right from your phone.
  • Activate your Debit and Credit Cards
    Call the number on your new Visa card or download the UCCU CardApp to activate with the touch of a button.
  • Use CardSwap
    Automatically update your cards information for all of your digital services like Netflix, Hulu, Spotify, and more.
  • Automate Your Banking
    Set up any alerts, recurring transfers, or automatic payments easily, all within UCCU Online or Mobile Banking.
  • Sign up for eStatements
    Receive your monthly bank statements electronically to get account details to you sooner and decrease paper usage.
  • Access Credit Score Toolbox
    Take advantage of an array of tools made to monitor and increase your credit score.
  • Continue Using Your Checks
    Continue using your current TransWest checks. When you need more call (801) 223-8188 for FREE box of UCCU checks.

Explore ALL the UCCU benefits available to you and your family.

We’re here to help

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

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