If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your credit card in online or mobile banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send your payment.
2. Make a payment in person at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
4. Make an immediate payment to Visa using the Pay-by-Phone service. Please call 866.820.3942. A small fee of $5.00 does apply.
5. If you’d like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking to the topic "Visa Payment from External Account Setup" and complete the required information.
6. Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

If you’re paying with funds from your credit union savings or checking account, simply make a transfer to your loan account.

If you want to pay your loan from an external account at another financial institution, there are several options available:

1. Use the Bill Pay Service offered by your other Financial Institution to send a loan payment.
2. Pay your loan at any USF FCU or Shared Branch Location.
3. Link your external account in Digital Banking to allow transfers between your bank/credit union share accounts. After you've verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you’ll be ready to transfer money. Please note, external account transfers take 2-3 business days to process. For instruction on linking an external account, please watch our tutorial video.
4. If you need to make a quicker, one-time loan payment using an external account eCheck or Debit Card, you may use our legacy online loan payment service.

No, you can enroll in digital banking from a computer or a mobile device. Please visit our website and click the “New User? Enroll Now” link under the username and password fields.

Please note: You’ll need to provide your member number and other personally identifiable information in order to successfully enroll.

Please visit our website and navigate to the online banking section near the top, right-hand side of the screen. Enter your username and password before clicking the Submit button.

If you don’t have a username or password, you must register first. Please contact us if you have any difficulty logging in or enrolling.

Our system offers enhanced security controls with your choice of multi-factor authentication method; including, security questions or a verification code sent by email, text or automated voice call. Multi-factor authentication is triggered each time you log in to online or mobile banking, until you select “Remember this device” upon login. It may also trigger when you perform activities that are considered “higher risk.” Examples include when you change your contact information or when an external account is added.

We also have an enhanced account notification offering to alert you of logins, transactions, failed transfers, card transactions, balance thresholds and more.

• Log in to online banking and click the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Security tab.
• Within the Security tab, you can change your username and password and review your Two-Factor Authentication settings.
• You can also see which devices have been “remembered.” When you remove devices, you’ll be prompted verify your identity the next time that you log in.

Yes, you may access mobile banking by typing our web address in your phone’s browser or by downloading our app from the App Store or Google Play store. Please note: Your login credentials for online banking and mobile banking are the same.

In mobile banking, you can conduct a range of activities; including, but not limited to:

• Viewing your account balances and recent transactions.
• Paying your consumer loans, Visa and mortgage accounts.
• Locating ATMs and branches near you.
• Transferring money between eligible accounts and to other members.
• Sending money to family and friends using your debit card.
• Depositing checks on-the-go.
• Paying a bill or setup a recurring payment through Bill Pay.
• Sending us a secure message.
• Updating your contact information.
• Resetting your username and password.

• Your username must be eight to 20 characters in length and may contain any combinations of letters and numbers.
• The usernames aren’t case-sensitive.

• Your password must be a minimum of eight characters in length, include at least one uppercase and one lowercase number, and must contain at least one numerical digit.
• Please note: The passwords are case-sensitive and expire after 365 days.

Yes, you have the option to reset your username and password through online banking or mobile banking by selecting the “Forgot Username?” link or “Forgot Password?” link.

• To reset your username, you must enter your member number, social security number or tax ID number (for business accounts), and date of birth. You have the option of entering your email address or zip code to proceed.
• To reset your password, you must enter your username, member number, social security number or tax ID number (for business accounts), and date of birth. You also have the option of entering your email address or zip code to proceed.

Yes, to change your security questions and answers:

• Log in to online banking and click the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Security tab.
• Within the Security tab, you can select new security questions and provide the answers.

If you do not recall your security questions/answers in order to log in, please contact us.

When we refer to “widgets,” these are the different menu options within digital banking to access functions and features (ex. “Accounts,” “Transfer Money,” “Manage Cards,” “Manage Budgets,” and “More…”). You may select the “More…” widget from the left-hand panel to view all of the available widgets in digital banking.

You can also change the layout of your widgets, by following these steps:

• Log in to online banking and select the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Widgets tab.
• Within the Widgets tab, you can select the star icon next to the five widgets that you’d like to display under the Dashboard widget.
• You also have the option to re-order your widgets by selecting the “Reorder Favorites” button.
• Once you click Save and refresh your view, the layout of your widgets will update.

You may send us a secure message through online banking or mobile banking.

• In online banking, select the down arrow next to your profile image and name. From the dropdown, select the Messages option. You can also click the “More…” widget and choose the Messages widget from the list.
• In mobile banking, select the Messages widget and click the Compose tab.

• In online banking, select the down arrow next to your profile image and name. From the dropdown, click the Settings option and select the Contact tab. Within the Contact tab, you can update your addresses, phone numbers and email addresses. You can also indicate your preferred phone number and email address. If you need to delete any of your contact information, please call us or send us a secure digital banking message and we’ll complete the request on your behalf.
• In mobile banking, select the Settings widget, followed by the Contact tab.

• Log in to online banking and click the down arrow next to your profile image and name.
• From the dropdown, click the Settings option and select the Notifications tab.
• Within the Notifications tab, you should see several different types of account alerts.
• You can click on the gear icon next to an alert to enroll in it. If you’re only presented with an email delivery option and you’d also like to receive text messages, please follow the steps listed below.

Enrolling in SMS/text notifications:

• Under the Settings section in online banking, click the Contact tab.
• Select the edit/pencil icon next to the phone number that you’d like to receive notifications to. (Please note: The phone must be capable of receiving text messages).
• Check the box that states, “I Would Like To Receive SMS Text Messages To This Number” and click the “Send a code via text” button. You’ll be prompted to verify your identity before a code is sent.
• A code should come to your phone and once you receive it, enter it in the Code box.
• After your phone is confirmed, you’ll notice that it has an “SMS” option beside it.
• When you click on the Notifications tab again, you should have an option to receive notifications via SMS/text.

If you have any difficulty enrolling in notifications, please contact us for further assistance.

If you’ve never ordered checks before, please contact us for assistance.

If you’d like to re-order checks, log in to online banking and click the “More…” widget. From the list, choose the Check Services widget and select the Reorder Checks tab. (Please note: The check reorder feature is only offered in online banking).

• Log in to online or mobile banking and click the “More…” widget.
• Choose the Check Services widget from the list.
• There is a Stop Payment tab on the Check Services screen that has a “New Stop Pay Request” button. When you click on this button, you’ll be prompted to select an account, enter the check number, check date and amount. You also have the option to search for the check.
• The check won’t be stopped until you check the “I Agree” box and click the Submit Request button.

When transactions post to your accounts, they can be categorized to give you a better idea of how much money you’re spending in certain areas. For example, if you’d like to know how much you’re spending on transportation, you can categorize transactions using the Auto & Transport category. Under this category, there are more specific selections to choose from; such as, Gas & Fuel, Parking, Services & Parts, and Tires.

Locate the transaction that you’d like to categorize and select the “Add a category” button underneath it. From the list of categories, you can choose the one that’s most appropriate from the dropdown menu. You can also split the transaction in to multiple categories if more than one applies.

• Log in to online banking and select one of your accounts from the main, Dashboard screen or go to the Accounts widget.
• Under the search box on your account, you should have an export icon (next to the print icon).
• When you click the export icon, a window will come up and prompt you to select one of the export formats from the dropdown menu.
• Please note: Currently, the only export format that allows you to select a date range is the Comma Separated Values (CSV) option.
• Click the Export button.

If you have any difficulty exporting your transactions, please contact us for further assistance.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card hasn’t been registered yet, please complete the registration first.

Within the Manage Cards widget, you should have a Balance Transfer option. Click the gear icon next to it to display all of the Balance Transfer fields and complete the required fields (ex. card issuer name, account/card number, an address for the card issuer, and the balance transfer amount). Accept the disclosure box and click the Submit button. The payment should be received by your other financial institution within 3-12 business days.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card hasn’t been registered yet, please complete the registration first.

Within the Manage Cards widget, you should see your Visa Rewards point near the top of the screen. Please visit the CU Rewards website: www.curewards.com to redeem your points. If you have any trouble logging in to your account, please call: 1-800-637-7728.

In order to view your mortgage information, you must select the Mortgage widget in digital banking. (This widget might be located within your “More…” widget options). Once you click on the Mortgage widget, you’ll be brought to our mortgage website where you can view your mortgage details, schedule payments, and more.

Unfortunately, we don’t have the ability to troubleshoot connection issues with third-party applications. If you’ve recently updated your digital banking username or password, please make sure that the application has your new credentials. Please contact the app vendor’s support team directly for further assistance.