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Credit union informs: Person-to-Person service now available!

 

Express Pay, or P2P payments, is an innovative way to send or receive money via email or text message. The service offers you the ability to request payments from anyone, or make fast, convenient payments anytime, anywhere using your preexisting checking or savings account. You can use Express Pay to:

  • Send money to your child at college
  • Send a gift to friends or family
  • Pay back friends for an event
  • Pay rent or a babysitter

View the video below to learn how to make transfers to your friends and family using Express Pay.  

*There is a $2 fee to transfer funds via the Express Pay system. 

 

ABOUT UNITY ONE CREDIT UNION

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Are you a Quicken user?

 

Reactivate your Unity One accounts, following the credit union's systems upgrade that occurred March 24. We recommend that you login to Express Online Banking prior to attempting the following conversion.

Please note: The following instructions are based on using Quicken 2015 Home & Business Edition.

  1. Deactivate your accounts.
  2. Verify your member number and password.
  3. Enter your Intuit password.
  4. Enter the random code and answer three security questions (typing a new random code between each one).
  5. You should see a list of accounts where you can add nicknames or exclude accounts that you don't want imported. 

The system will finish set up and download your accounts. For detailed instructions, click here.

Credit union app for Apple users - PENDING

 

Due to an unforeseen delay, the new iPhone/iPad app will not be immediately available in Apple's app store. The credit union requested that Apple publish the app Tuesday, March 24, but it is highly likely that it will NOT happen. However, members may still access their accounts using  mobile devices. 

 

 

Please note: The existing Unity One app will be closing March 24. If the old app is launched, it will provide the above link on the welcome screen.  

Once the situation with the Apple app store is resolved, the credit union will notify Apple users via e-mail. Additionally, the old app will direct members to download the replacement app. 

*Click here to see the extended Member Contact Center Hours March 24 - April 4. 

Credit union upgrade strengthens CYBERSECURITY

 

Given recent concerns regarding cybersecurity and impending legislation to protect consumers, we wanted to take this time to reassure members that preventing cyber attacks is our utmost priority. The Unity One Credit Union systems conversions occurring March 24 will improve existing practices and will do a better job to protect data against intrusions. credit union cybersecurity

Here are just a few ways that the upgrade will keep your data protected against cyber attacks.

  • Improved encryption
  • Improved server
  • Data is housed at a secure location that monitors 24/7
  • Enhanced account alerts that detect misuse abroad and even out of state (this also includes failed attempt alerts)
  • Out of band authentication

We want you to feel comfortable with this switch. For more information, let us know. To learn more about the upcoming conversions, click here.


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Credit union informs: Now offering private student loans!

 

Student loans

Unity One Credit Union has partnered with the North Texas Higher Education Authority (NTHEA) to offer private student loans to our membership.

The Texas Extra Credit Education Loan program has been designed exclusively for Texas residents attending approved colleges or universities anywhere in the country. By offering competitive fixed and variable interest rates, a variety of repayment terms and options, valuable borrower benefits and outstanding customer service, we know the Texas Extra Credit Education Loan is the right answer to your education financing needs. 

Benefits of the program include:

  • Interest rate reduction just for graduating
  • Interest rate reduction for making monthly principal and interest payments directly from a savings or checking account
  • Release of cosigner from liability after 24 on-time consecutive monthly loan payments
Learn More      Apply Online

ABOUT UNITY ONE CREDIT UNION

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

FAQs: Systems Upgrade

 

We're excited about the changes to our online banking, Bill Pay, telephone banking and mobile platforms.

Click on the following links for more Frequently Asked Questions; and remember, don't hesitate to contact us with questions.

Express Online Banking & Bill Pay

Express Mobile Banking App

Express Telephone Banking

Extended hours for the Member Contact Center

 

The MEMBER CONTACT CENTER is extending its hours March 24 - April 4.

Monday - Friday

8 a.m. - 6 p.m.

Saturday

8 a.m. - 3 p.m.

Credit union informs: Important notice for Unity One mobile users

 

IMPORTANT NOTICE ABOUT UNITY ONE'S MOBILE APP   

 

Unity One CU is upgrading the way you bank on your computer, using your mobile device and by telephone March 24 by converting to new software. More information about the conversion and how it improves the member experience is on our Web site. We're confident that you will like what you see.

Please follow the steps below to ensure a smMobileAppbanner resized 600ooth transition:
  • DOWNLOAD the new credit union app, available March 24.
  • UNINSTALL the previous version.
  • LOG IN to Express Online Banking in a browser and accept the disclosures. Note: This step must be done before using your new credit union app.

If you have any further questions about the conversion, we encourage you to visit our Web site for frequently asked questions (FAQs) or to view a demonstration of the new software.  

Important info for Unity One account alert users

 

IMPORTANT NOTICE ABOUT ACCOUNT ALERTS  

 

Unity One Credit Union is upgrading the way you bank on your computer, using your mobile device and by telephone March 24 by converting to new software. More information about the conversion is available on our Web site. We're confident that you will like the new experience and capabilities.
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It appears you currently have ACCOUNT ALERTS established, and we wanted to make you aware of the unique circumstance this conversion will present.
  • You will need to set up NEW account alerts once the upgrade has taken place. The conversion, occurring on March 24, will disable all previous alerts. While you will be able to view those alerts on the old system, they will not be active.
  • Click here for a quick guide to help you set up your alerts in the new online banking system. 

We apologize for this inconvenience. Please know that we have exhausted every avenue to make this conversion as hassle-free as possible. 

 

If you have any further questions about the conversion, we encourage you to visit our Web site for frequently asked questions (FAQs) or to see a demonstration of the new software, or call us at 817-306-3100 or 800-628-5517.

Credit union informs: Building credit for #FirstTimers

 

Youth with credit cardHow do you get a loan or a credit card? By showing prospective lenders that you're responsible enough to pay your loans and credit cards on time. 

Therein lies the catch-22 of credit. How are you supposed to get approved if you've never had a credit card or loan before?

Here are a few simple steps to begin building credit:

1. Sign up for a loan with a co-signer who already has good credit. A co-signer is simply someone who agrees to be responsible for the loan if you are unable to pay for any reason. Financial institutions are more likely to approve a loan for somebody with no credit history if there is a responsible co-signer. 

2. Get your own starter credit card. Many financial institutions offer secured credit cards. These cards allow you to put money in your account on hold to be used as collateral. So if you want a card with a $500 limit, you would need $500 in your bank account to cover that. Keep in mind while secured cards sound similar to debit cards, they are different. Secured credit cards report to the credit bureaus; debit cards do not. 

3. Only charge what you can afford to pay off. Building good credit means demonstrating the ability to pay back the money you owe. By charging small amounts and paying them back in full and on time, you're proving that you can manage credit responsibly. 

4. Stay well under your credit limit. You’ll be scored favorably if you keep below 30% of your total credit limit.

For more tips on establishing credit, check out our Twitter page. 

I would like to speak with a loan officer.

ABOUT UNITY ONE CREDIT UNION

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

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