FAQ

No. CU1 Card Keeper is included with your checking and credit card accounts. 

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Yes, you can unsubscribe through the CU1 Card Keeper App via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK. Or call Credit Union 1 at 800.252.6950. Please note, when unsubscribing from CU1 Card Keeper, all previously set alerts and controls are no longer in effect.

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Yes. To activate an unsubscribed user, you will register as a new user. You are required to select a new username; if you enter your previous username an error displays. Upon successful registration, you may once again use CU1 Card Keeper. 

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The app automatically logs the user off after 10 minutes of inactivity.

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Yes. Cardholders can register multiple Credit Union 1 cards within a single CU1 Card Keeper app. 

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There is no limit. 

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If the card number is new, then yes, you must add the new card number to your profile. You may also unmanage the old card by accessing Manage Portfolio. 

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The My Location controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CU1 Card Keeper. These controls impact card present transactions only, therefore internet transactions are not impacted. 

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CU1 Card Keeper ignores location information that is more than 8 hours old. So, if the phone is off for more than 8 hours, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information. 

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CU1 Card Keeper performs a proximity check at the granularity of Zip code or city, so if the merchant is close to home then the transactions will still go through. 

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The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. CU1 Card Keeper can typically map the transaction down to a ZIP code or city. If the city or ZIP code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a ZIP code or city, in which case CU1 Card Keeper will default to a state-level match. 

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Yes. International transactions can be blocked using the Block International location control. Transactions will be limited to the United States. 

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No. The location controls are applicable to in-store transactions only. 

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Previously authorized recurrent payments will continue to process and will bypass the CU1 Card Keeper edit checks.

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CU1 Card Keeper alerts are sent as push notifications to the phone. The alerts also display under Messages in the CU1 Card Keeper app.

Message and data rates may apply. Check with your mobile carrier for details. The iPhone and App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android and the Google Play logo are trademarks of Google LLC.

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Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

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• iPhone® 6 or iPhone 6 Plus (Apple Pay in stores and within apps)
• iPad Air® 2 or iPad mini® 3 (Apple Pay within apps)
• Apple Watch® paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus (Apple Pay in stores)
• iOS 8.1 or later
• United States as your selected region
• Touch ID® or passcode on your iOS device
• A passcode on your Apple Watch and Wrist Detection turned on
• An Apple® ID signed in to iCloud®
• Touch ID or passcode on your iOS device

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You can start using Apple Pay as soon as you add your first credit or debit card to Passbook®. 

To add a credit or debit card on iPhone 6 or iPhone 6 Plus, open Passbook and tap Plus icon in the upper-right corner. 

If you have a credit or debit card from a participating bank on file with iTunes®, you'll be asked to add it. You can also choose to add a different card using the iSight® camera or by entering your card information manually. Then your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process. 

To add a credit or debit card on iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay, tap Add Credit or Debit Card, and then follow the same steps for iPhone above. 

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Your bank and AppleCare® are ready to help you with issues when adding credit or debit cards to your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3, or Apple Watch. You can contact your bank or AppleCare, who will help you resolve your issue.

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You can use Apple Pay with your iPhone 6, iPhone 6 Plus, and Apple Watch to pay in stores that accept contactless payments. 

Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. At the current time, this includes 7-Eleven®, Home Depot®, Jack in the Box®, Rite Aid®, and CVS® but the list grows every day. Apple updates the list of merchants frequently so check their Where to Use Apple Pay site to see if your favorite merchant is Apple Pay ready. 

On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method. 

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No. Apple Pay is a benefit of Credit Union 1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.

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As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.

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Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device or on Apple servers.

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When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping addresses you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can't be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.

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With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.

Apple, Apple Pay, iPhone, Apple Watch, iPad, iPad Air, iPad mini, TouchID, Passbook, iTunes, and iSight are trademarks of Apple Inc., registered in the U.S. and other countries. iCloud and AppleCare are service marks of Apple Inc. 
ApplePay Support. For more information regarding ApplePay and to get support for your Apple device visit https://support.apple.com/en-us/HT201239.
©2014 Visa®. All rights reserved. 

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The payment address is included on your statement. If you pay your credit card bill through Online Bill Pay or need the mailing address it is listed below: 

Credit Union 1
P.O. Box 2711 
Omaha, NE 68103-2711

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The uChoose Rewards program enables you to earn points for using your card. Once you have earned enough points, you can redeem them for your choice of items or experiences from a huge online rewards catalog.

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Earn 1 point for every $1 spent with your Credit Union 1 Visa Platinum Card. You can also earn more points when shopping at participating retailers. Choose to shop in-store at national or local retailers, or online through uchooserewards.com. When shopping in-store; select Credit, and sign for your purchase.

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It can take up to 40 days for points to be credited to your account. A minimum of 1500 points must be accumulated before redemption. When you have 1500 points, you can redeem them for a wide variety of items. Look for Available Points at the top of any page on the uChoose Rewards website for your total points available for redemption at that time.

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Choose from a wide variety of options, including products, travel, experiences, activities, and event tickets. At the uChoose Rewards website, navigate to the Redeem Points page, click on the category that interests you, and start shopping.

The uChoose Rewards program tracks all points earned, and provides details and information to help locate just what you are looking for when you are ready to redeem points. You can also set up a personal Wish List to help you track the things you want.

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Yes. All cards pooled in an account automatically earn points together. With multiple credit card accounts at Credit Union 1, you can register them in one uChoose account to earn rewards points faster.

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Text Banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With Text Banking, you can find out the balance and transactions of your accounts on the go, just by texting.

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You will need to enroll in Text Banking via either Online (desktop) or via the mobile (browser or app). For desktop, go to the Profile dropdown, select Profile Updates and choose Text Banking to enroll in Text Banking. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply. 

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The Text Banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your mobile wireless carrier for messaging and data rates. 

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Yes, you do need to create short nicknames to use with Text Banking. It is a lot easier to request the balance of a specific account with short nicknames and makes the reply shorter. 
 

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No, the commands are not case sensitive. You can text BAL, Bal, or bal which would all mean the balance command. 
 

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We do not transfer any account numbers, password or such sensitive information. The phone is assumed to be secure with the owner and it is the owner's responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted. 

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If you have questions, please call our Member Solutions Team at 800-252-6950.

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You can use external transfers to link another bank account to your Credit Union 1 account and transfer funds back and forth. 

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We send your transfers electronically through the secure Automated Clearing House (ACH) network.

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Yes, you can transfer money to your Credit Union 1 loan accounts.

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No, international accounts are not eligible for this service.

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No. Each transfer must be between your Credit Union 1 account and an account with another bank or credit union.

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No. Each transfer must be between your Credit Union 1 account and an account with another bank or credit union.

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No, you can’t add loan accounts held at other banks or credit unions to this service.

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You won't be able to add these accounts to your service:

• Individual Retirement Accounts (IRAs).
• Custodial and/or Trust accounts.
• Certificates of Deposit (CDs) or other time-based accounts.
• Loan accounts (including credit card and equity accounts).

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No. Credit Union 1 does not charge for this service. It is included with digital banking.

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Online Bill Pay makes paying your bills more convenient. All of your billers are kept in one place, no need to log on to multiple biller sites and services. Bills can even be delivered directly to your Online Bill Pay account electronically. Paying your bills is also more convenient with options to schedule payments, to pay bills when they arrive or to hand pay bills on your schedule.

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Nothing. That's right it's free. All you need is a Credit Union 1 Checking Account and access to Online Banking and you can begin paying your bills for free today.

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The Online Bill Pay application can be accessed in Online Banking on the Account Summary screen under Bill Payment. Select Enrollment Options and follow the prompts to sign up.

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You will need a Credit Union 1 checking account and access to Online Banking. To get started gather any copies of bills you wish to pay online. You will need the biller's name, address and your account number with the biller. Many of the companies you pay are already in Online Bill Pay so you will only need to select them from the list and put in your account specific company information. Many billers can also send e-bills directly to your Online Bill Pay account where they can be paid automatically or on demand depending on your preference.

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The answer is some of both. Most payments will be electronic but some billers are still unable to accept electronic payments. In those cases a paper check will be sent. Online Bill Pay can pay bills in three ways:

1. Via electronic transmission from Online Bill Pay to the Biller.
2. Via check drawn on your personal checking account.
3. Via a check drawn off of an account from Online Bill Pay.

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An e-bill is a copy of your bill and the information in it that is sent to your Online Bill Pay account rather than to you in the mail. These bills are kept safely on Online Banking and can be paid automatically or on demand depending on your preference.

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Yes, you can download bill payment history as a .csv (comma separated) file for use in programs like Microsoft Excel. Direct download to Quicken or other personal finance software is not available.

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You can pay anyone from your power company to your paper boy. Online Bill Pay is flexible and payments are sent in the way that billers can process them. You can even make person-to-person payments using Popmoney®.

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Yes, we use industry standard encryption and security measures during the logon and authentication process and during your bill pay session.

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First, don't worry we all make mistakes. Online Bill Pay is flexible and understands these situations. You may cancel your payment at any time via bill pay before the payment is in process. After it is in process you will need to call the bill pay service at 855.837.3991, or contact the Member Solutions Department at 800.252.6950 and we will attempt to cancel the payment or place a stop pay on the check (if applicable).

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You can log in to Online Bill Pay and check the status of payments at any time. If a scheduled payment did not arrive at a biller, you can open a case online to have your payment researched. You can do this by clicking on Bill history, then 'view details' and then 'payment inquiry' inside of Online Bill Pay. You can also call the call center at 855.837.3991 to open a case.

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Your checking account balance will no longer be displayed in Online Bill Pay. However, you can open the Online Banking summary page and Online Bill Pay in separate windows and set them side by side, or you can toggle in between them to see your checking balance and the Online Bill Pay window at the same time.

Online Banking Bill Pay Support. For questions relating to payments made through Online Bill pay please call our Bill Pay support number at 855.837.3991.
Popmoney is a registered trademark of Fiserv, Inc.

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For a full list of our current openings, click the Current Openings Button on the Careers page of our website. A new window will open listing all of our current employment opportunities. If none of our vacant positions match what you're currently seeking in a career, please join our Talent Network to receive alerts for future vacancies that may interest you. This will change depending on how it is on the new site.

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Once you select a position that interests you, please click on the position for a summary of the job duties and requirements. If the job description aligns with your qualifications and ambitions, click on the 'APPLY' button to submit an application. If you'd like to submit a résumé or cover letter to supplement your application, you may follow the prompts to do so.

Credit Union 1 is an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, color, sex, age, national origin, citizenship, disability, or any protected category. As a full service financial institution, Credit Union 1 conducts comprehensive background screening on prospective employees (including a credit check and criminal background check).

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A completed job application or résumé detailing your employment history are required in order to be considered for employment. A cover letter and employment references are welcomed as well. The more information you provide, the easier it will be to evaluate your qualifications.

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Any supplemental documents (résumé, cover letter, letter of recommendation, etc) may be submitted through our online application system when you apply for employment. You may also submit your résumé by joining our Talent Network or by emailing to, [email protected].

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If you're unable to complete our employment application online, you may print off a PDF version or pick up an application at any Credit Union 1 branch location. Applications may be submitted via fax, mail, or email. 

Credit Union 1
ATTN: Human Resources
P.O. Box 100
Rantoul, IL 61866

fax: 217.892.4643
email: [email protected]

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Upon successfully completing our online employment application you will receive an email confirming that your application has been received.

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Information on Credit Union 1's comprehensive benefits package is available by clicking the Benefits Tab on the Careers page.

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As an employee of Credit Union 1, you will be part of a well-established and respected financial institution that offers you both stability and the opportunity for a great career path. No matter how large we grow, we continue to give our employees the individual attention they deserve. We are committed to your success and professional development, and will provide extensive training and coaching as you hone your customer service skills. Our promote-from-within policy ensures that you will be able to build a rewarding career with Credit Union 1. Your hard work and professional dedication will be rewarded with competitive compensation and benefits.

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As a new Team Member of Credit Union 1, you will complete a 2-week orientation with one of our training & development specialists.  CU1 is excited to learn about you, while you discover what makes us THE financial institution that drives family and community success.  Learn about our history, what we offer and how you will have an impact as a member of our team.  Become familiar with the tools you will need to make you successful once you depart the onboarding journey and dive into your career.  Get ready to… Be Great. Be Engaged. Be Open. Be Nice.   

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In order to access CU1 Mobile Banking, you need a Credit Union 1 account, access to Online Banking, and a mobile device with an Internet connection.

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You can access CU1 Mobile Banking from any Internet-enabled mobile phone, iPhone^®, iPad^®, or Android^® device.

Note: For the mobile app, devices must be Internet-enabled and have a cell phone number associated with them. The tablet app is currently for iPad^® only.

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CU1 Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between web servers are encrypted using the Secure Socket Layer (SSL) technology.

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No. CU1 Mobile Banking is a benefit of CU1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.

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To reset your password, choose the "Forgot Password?" option from the login screen and reset your password.

To reset your User ID, go to the Online Banking login through your mobile device's browser, and select the "Forgot User ID?" option.

You may also call our Member Solutions Team at 800.252.6950.

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Some carriers may block access to text messages from Credit Union 1. Please contact your carrier if you receive a message that texts are blocked or if you have issues receiving texts from Mobile Banking.

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Mobile Deposit is a secure and convenient way of making deposits with your mobile device anytime, anywhere! Take photos of the front and back of your check and submit. Review the deposit and done!

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You can deposit into any of your Savings, Checking or Money Market Account. You can transfer funds from any of these accounts after funds are made available to you, using Online/Mobile Banking.

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The maximum amount per item deposited per day is $2,500 if your account has been opened for 180 days or less or $5,000 if your account has been opened more than 180 days.

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Yes, endorse or sign the check with your signature and your account number.

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On weekdays (excluding holidays), the cutoff time for same business day posting is 4:00PM Central Time. Deposits made after the 4:00PM Central Time cutoff will be posted the next business day. Deposits received after 4:00PM Central Time on Friday or on Saturday or Sunday or any holiday, will be posted on the next business day. Posting usually occurs between 4:00PM and 5:00PM Central Time. Up to $200 of your deposit will be available the following business day. The remainder may be placed on hold up to 2 business days. Longer holds in certain situations may apply.

Mobile Banking Support. For questions relating to signing up, accessing or using the Mobile Banking services please call our Mobile Banking support number at 800.252.6950 and a Member Solutions Specialist will assist you.

Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC.

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With Online Banking you can review transaction history, make account transfers, pay bills or access your account on your mobile device. Online Banking gives you access to your account where you need it when you need it.

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Online Banking is a free service associated with your Credit Union 1 account. Some fees may apply to services accessed within the application like Popmoney^®.

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• Click the Register link under the login button
• Review and accept the terms of this agreement
• Enter the information in the required fields and follow the screen prompts.
  • Account Number, Last Name, email Address, Zip Code, Social Security Number, Birth Date.

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Online Banking is secured using the latest encryption and Internet security technologies. We take your online security very seriously. 

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• Click the "Forgot Password?" link under the password field.
• Enter the information for the Required Fields.
• Click Submit and follow the screen prompts.

Online Banking Support. For questions relating to signing up, accessing or using the Online Banking services please call our Member Solutions Department at 800.252.6950 and a Member Solutions Specialist will assist you.

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As a financial institution, for your protection, Credit Union 1 needs to authenticate who we are communicating with online. Entering your Social Security Number is required to confirm we are in fact registering/authenticating you.

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The digital banking system uses the information on your Credit Union 1 account to establish your online account. You need to use the home or work phone number, or email address that is on your account.

For the Identity Verification step, you do have the option to select, "I can't be reached at any of these numbers." and you will be presented wit out-of-wallet questions to answer in place of receiving a text or phone call.

If you need to update your phone number or email address that we have on file, please contact our Member Solutions Team at 800.252.6950 to get that updated.

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Your last name needs to be entered exactly as it is on your Credit Union 1 account. Please refer to your statement to confirm.

When you receive the Error Message, you can use the "Forgot Password?" option with your User ID. Follow the screen prompts and answer the questions presented. If you continue to receive an error, call our Member Solutions Team at 800.252.6950.

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Linked Profiles. If you are an owner on another Credit Union 1 account and would like to link your profiles so you can manage both accounts digitally through one login, call our Member Solutions Team at 800.252.6950 and request to Link Profiles.

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Unlinked Accounts. Add unlinked accounts to enable you to transfer funds with other Credit Union 1 accounts online. This would be used to transfer funds from your CU1 account to another person's CU1 account (ie: friend, co-worker, family member etc.) on which you are not an owner.

To setup your unlinked accounts, you must be logged in through a web browser (not the mobile app). Click the Transfers dropdown menu and select Unlinked Accounts. After you provide the information, the designated account will be added to your list of destination accounts on the Manage Transfer screen.

Note: The format to add an Unlinked Account is Account=sfx. Money can only be sent to Unlinked Accounts, you cannot request funds with this feature.

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Receive and view all of your documents electronically! You will get a notification that a document is available for viewing. Simply login to Digital Banking and choose Electronic Documents from the Accounts menu.

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When logged in, send a secure message requesting a Cashier's Check. Go to the Profile Menu, select Messages, and click Compose New in the top right corner of the screen. Complete the form and click Send.

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It is easy to change your User ID! Once logged in, go to the Profile menu, select Profile Update, and click Change User ID. Voila!

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Fast Balances is a feature that lets you get a quick look at your balances from the login screen on your mobile device.

To setup Fast Balances, login and go to the Profile menu, select Profile Update, and click Manage Fast Balances. Turn Fast Balances on, and select your accounts. Voila!

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In the Account Summary screen, click on the Certificate Name and additional account details will appear such as: interest rate, Year to Date Interest, and Maturity Date.

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When logged in, simply go to the Transfers menu and click on Manage Transfers. Pick your source, destination, amount, start date and frequency. That's it! Set it up once and don't worry about it anymore.

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Viewing eStatements on mobile devices is a feature that will be available 1Q 2020.

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Millions of consumers rely on CARFAX Reports every day to help them decide whether or not to buy a used car. Each report contains information about whether the car in question has been in an accident, has any open recalls, previous owners, service history and much, much more.

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CARFAX Reports are available for vehicles manufactured since 1981, when the 17-character VIN was standardized. CARFAX has information about cars and light trucks, though some information for other vehicle types may be reported to CARFAX as well. CARFAX Reports are powered by the CARFAX database – believed to be the world’s largest vehicle history database – containing billions of records from more than 112,000 domestic and international sources.

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VIN stands for a car’s Vehicle Identification Number. A VIN consists of 17 characters and serves as a unique identifier for a specific vehicle. At CARFAX, you can use either a VIN or a license plate and state to get a CARFAX Report.

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A VIN can often be found on the driver-side door, near where the door latches as well as on the lower-left hand corner of the dashboard, in front of the steering wheel. If you own the car, you can find it on the title, registration card or insurance documents.

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CardSwap lets you automatically apply new debit or credit card information across your favorite subscription and digital point of sale (POS) services (Hulu, Netflix, iTunes, Amazon, etc.*) in a single, elegant workflow.

*None of the listed companies are associated with, sponsor, or endorse this product.

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Simply enter your CU1-issued card information once, enter login credentials for your subscription services, and the new preferred payment information is automatically tested and applied in real-time. It takes only 24 hours for these updates to be made across services.

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Yes.

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There are 55 vendors supported by CardSwap including:

Amazon | Netflix | Hulu | iTunes | Uber | Spotify | HBO NOW

Disney | Squarespace | Pandora | ADT | Play Station | and more!*

*None of the listed companies are associated with, sponsor, or endorse this product.

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Yes. Data is encrypted utilizing AES 256 encryption and all web services are HTTPS/SSL. Encryption keys are managed using hardened systems where sensitive data is only used in memory, and never stored in our own databases.

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Yes.

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Like the name implies, this feature allows members to use their mobile device's camera to capture check images and deposit the funds anywhere, anytime using the CU1 Mobile App. It works with both Apple iOS and Android devices.

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It's easy! Once you open your CU1 Mobile App, just select "make a deposit." It will ask you for an amount and let you choose the account you want to deposit the check into. After that, just take a picture using your phone's camera and click submit. All done!

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Android and iOS operating systems for smartphones and tablets — but via the CU1 Mobile App only — it won't work on a mobile browser.

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One check can be captured per deposit.

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Upon submission, items will display immediately in the Deposited Checks tab on the Activity Center page as either Submitted (item we've received by), Accepted (confirmed for processing), or Rejected (denied for processing).

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• Users are able to view balance information for the first 10 accounts that display on the Account Summary page on their Apple Watch^®; this included Personal Dashboard accounts.
   
• Users swipe left/right on the watch face to scroll through their account balances.
   
• Users can tap the watch face on a balance to view the 10 most recent transactions for that account.
   
• Users can swipe up/down on the watch face or use the side wheel to scroll through transactions.
   
• To refresh account balance information, force touch the watch face and select the refresh option.

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Your Apple Watch^® will need to be paired to the iPhone that you use to access your iOS CU1 mobile banking app.

• Log into your iOS CU1 mobile banking app, locate the Apple Watch^® in your menu, and enable the feature.
   
• Once enabled, you can open the app on your Apple Watch^® to begin viewing balances and transactions.

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The CU1 mobile banking watch app is part of the iOS mobile banking app that you download on your phone — so you do not need to download a separate app for the Apple Watch!

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It depends on the setting you have in your My Watch app on your iPhone. In the My Watch app, under General, there is a setting for Automatic App Install. If that setting is enabled, the mobile banking watch app should automatically install on your Apple Watch.

If you do not have Automatic App Install enabled, you can manually install the app on your Apple Watch. When you open the My Watch app on your iPhone, scroll down the page to view all of the apps that you have installed on your Apple Watch. At the bottom of that list will be a section for Available Apps to install on your Apple Watch.

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We are upgrading our digital banking system to improve our services, efficiency, and accommodate growth. Our new digital banking system will allow us to provide you more capabilities, offerings and enhance your experience with us.

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You will not be able to access digital banking September 30, 2021 at 7:00 pm CST - October 4, 2021. We expect your new digital banking service for Consumers and Businesses will be available beginning Monday, October 4, 2021 at 12:00 PM CST.

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Yes. In order to avoid delays in accessing the new system, please verify/update your contact information to ensure the information we have on record is accurate by Monday, September 20, 2021. 

Existing Digital Banking Users | you will use your existing login credentials to login to the new system for the first time on/or after October 4, 2021, 12:00 PM CST. Then, you will follow the screen prompts to setup your new digital banking experience.

New Digital Banking Users | you will need to download the CU1 Mobile App on/or after October 4, 2021, 12:00 PM CST, and register for digital banking, or register online at creditunion1.org.

Our new digital banking service has one seamless user experience across online and mobile, utilizing a single User ID and Password.

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A Secure Access Code (SAC) is a unique, single-use 6-digit code which protects against fraud by safeguarding your online transactions and sensitive information. An SAC is another level of authentication in addition to your Login ID and password, providing you stronger online security.

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You choose how you want to receive your SAC: by text, email, or phone. We need your current contact information for you to receive your SAC.

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Once you have setup an SAC, you have the option to register your computer or device. Once your computer or device is registered, you will skip the SAC requirement when you log in again. To register your computer or device, click, "Register Device."

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Yes. Online and Mobile Banking is one seamless user experience utilizing a single User ID and Password.

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CU1 Mobile Banking is available to everyone. Simply download the Credit Union 1 mobile app on the App Store or Google Play, and follow the on-screen prompts.

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You may use the service for no cost, however, your wireless carrier may charge you fees related to this service. 

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Yes, our digital banking service utilizes best practice security services such as HTTPS, TLS encryption, password access, biometrics and application time-out when not in use. Only the devices that you enroll can access your bank accounts and no account data is ever stored on your device.

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After successful enrollment, your phone will receive a text message with your Digital Banking URL.

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Our Mobile Banking is supported on most app is supported on most iPhone^®, iPad^®, and Android^TM devices. You can also use mobile phones with a mobile web browser that supports cookies. 

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Existing digital banking users will use the same username to login to the new digital banking system.

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eStatement history prior to October 1, 2021 will not be available via Digital Banking after September 30, 2021. With this in mind, we recommend downloading and printing a year’s worth of statements for your records before September 30, 2021. This can be done by logging in to Digital Banking and selecting Accounts> Electronic Documents.

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Many transactions previously scheduled in the current digital banking system, will be carried over to the new system and processed as normal, however, there are some that will not transfer over and will need to be setup in the new digital banking platform on/or after October 4, 2021 12:00 PM CST. We recommend validating all previously scheduled transactions when you login to the new digital banking platform. Any External Transfers will need to be setup again in the new system.

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Alerts will net to be setup in the new digital banking system.

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Yes. You will need to use a recent version (last 2 released) of Google Chrome, Mozilla Firefox, Apple Safari or the last version of Microsoft Edge.

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Yes. Bill Pay will be available in the new digital banking system.

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All previously entered Bill Pay information (i.e. payees, scheduled payments, recurring payments, etc.) will remain in your online Bill Pay profile. No action is required. We recommend that you verify everything once you get logged in.

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You will not be able to access Online Bill Pay September 30, 2021 at 7:00 PM CST - October 4, 2021 at 12:00 PM CST. We highly recommend adjusting any payments that are due during our core conversion timeframe to ensure a timely payment.

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Yes. Popmoney will be available in the new digital banking system.

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Android Device Users: Uninstall the old CU1 Mobile Banking App and CLICK HERE to install the NEW CU1 Mobile Banking App. We are working with Google to get the updated app to appear directly in Google Play.

Apple Device Users: Go to the App Store and Update your CU1 Mobile Banking App

Online Users: Go to creditunion1.org and click the Login button in the page header.

EXISTING Digital Banking Users: you will use your existing login credentials to login to the NEW system for the first time. Then, follow the screen prompts to setup your new digital banking experience.

NEW Digital Banking Users: Register on our website first. Once registered, you can download the CU1 Mobile App and login to digital banking. We are working on an update to be able to register using the mobile app.

NOTE: If you become locked out of digital banking, click “Forgot Password”, and follow the prompts.

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Android: Uninstall the old CU1 Mobile Banking App and CLICK HERE to install the NEW CU1 Mobile Banking App. We are working with Google to get the updated app to appear directly in Google Play.

Apple: Go to the App Store and update your CU1 Mobile Banking App.

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eStatements are now available in digital banking. Please login to your digital banking and select Statements under the Services Tab.

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When you are logged in to digital banking, tap or click the account tile and your transaction history will appear.

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Once you login for the first time, it can take several minutes for account history to appear. We are finding history appears after approximately 15 minutes. After waiting, If you are still unable to view history, contact Credit Union 1 at 800.252.6950 or start a Live Chat session with our Member Solutions Team at creditunion1.org.

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We are aware of this hiccup and are diligently working on a solution that will allow members to view Trust Account Information soon.

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If you do not make your CU1 mortgage payment before the due date, contractually the payment is late. But don't worry, you have a 15 day grace period before a late fee is charged. 

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Our new system is personcentric meaning everything is organized by the individual. Members can only view/access accounts and loans they are signers on. Our old system was accountcentric meaning everything was organized by account number. Moving to a personcentric system provides greater fraud protection.

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We are aware of this hiccup and are diligently working on a solution to resolve this issue as soon as possible. A late fee has not been assessed.

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We were able to convert 18 months of transaction history to the new digital banking system. The details were not comparable on both systems so history prior to October 1, 2021 is generic. As you perform transactions from October 1, 2021 forward, details will appear.

For detailed transaction history prior to October 1, 2021, refer to your statements.

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We have discovered that members who are joint on a credit card are not able to see the credit card in digital banking. Credit card visibility is a high priority and we are working on a solution that will be available soon.

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Consumer loans originated before 01.01.2021 are eligible to skip-a-payment(s).

Loans not eligible for this offer include: delinquent loans, Real Estate, Commercial/Business, Share/Certificate Secured, Credit Saver, Credit Cards, Overdraft protection Loan, Balloon-Payment Loans, or any loan originated on/or after 01.01.2021.

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Your account(s) and loan(s) must all be in good standing to qualify to Skip-a-Payment.

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Yes.

• January’s payment ($59 Processing Fee per approved loan)
• February’s payment ($59 Processing Fee per approved loan)
• Both January & February payments ($118 Processing Fee per approved loan)

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The skipped months will be added to the end of your loan, extending the loan term. Interest will continue to accrue during skipped months.

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If you have loan payments made through payroll deduction or direct deposit, the payment will be deposited into your share account.

If you have a Scheduled Disbursement set to transfer from a share account to the loan, you do not need to do anything. The next posting date will be advanced.

If you have an external transfer setup to come from another financial institution, then you have to reach out to your external financial institution and pause that payment.

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We want to bring our members the best value from their credit union and provide the necessary products and services to be your primary financial institution. Credit Union 1 operates the technology and systems that align with our members’ needs. CU1’s internal core values bring the leadership team and board of directors confidence our membership will experience a much-needed upgrade in the quality of service that we are unable to provide in this current economic climate. We believe a synergy exists between the two credit unions and this partnership will benefit all involved.

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Change is a part of growth and becoming better, and Credit Union 1 has continued to evolve and grow since they were founded in 1958 with an original base of membership of personnel from Chanute Air Force Base in Rantoul, Illinois. Since then CU1 has grown tremendously into a Billion dollar plus financial institution, but its core values remain the same. Be Great, Be Engaged, Be Open, and Be Nice. These core values drive their mission statement “To be THE financial institution that drives family and community success.

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Our regulators, the National Credit Union Administration (NCUA) and Illinois Department of Financial and Professional Regulation (IDFPR), have both approved our merger plans. With member support of the merger through the voting process, we anticipate that our first legal day as a combined organization will be June 1, 2022.

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Yes! A special meeting of the members of SourceONE Credit Union was held on April 12, 2022 to consider and act upon a proposal to merge SourceONE CU with Credit Union 1. We are happy to share that SourceONE CU membership unanimously approved the vote to merge.

The merger will be effective June 1, 2022

As a result of the merger, a conversion of records is required which will take place at the end of business day on May 31, 2022.

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A merger will provide the resources to better serve your financial needs through well-developed industry-leading technology, new products and services, and highly competitive rates. We want to be your first choice as your primary financial institution. Nothing will change until June 1, 2022. This partnership will mean we can better anticipate and meet all your financial needs.

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Your accounts will continue to be federally insured just as they are today through the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).

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The reason our two credit unions pursued this merger is to better serve SourceONE CU members. Credit Union 1 strives to provide premium service and you will continue to receive personalized service as you do today.

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SourceONE Credit Union’s field of membership will be incorporated with Credit Union 1’s field of membership after the merger effective date May 31, 2022.

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It has been proposed to close the branch on LaSalle Street upon the merger effective date May 31, 2022. Credit Union 1 has 8 branches in the Chicagoland area, and in addition to all CU1’s branches, members will also have access to their robust digital banking platform, along with access to the CO-OP shared branch network and CO-OP surcharge-free ATM network.

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You can continue to use SourceONE Credit Union’s branch. We cannot begin integrating the operations of the two credit unions until after the merger effective date of May 31, 2022. SourceONE CU members will be notified as soon as the additional branches are connected.

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Credit Union 1 ATMs are available for anyone to use; however, we cannot begin integrating the operations of the two credit unions until after the merger effective date of May 31, 2022, so you may incur a fee until that time. As of June 1, 2022, you will have access to all Credit Union 1 ATMs at no charge along with more than 30,000 CO-OP surcharge-free ATMs nationwide.

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Your account number will remain the same for the time being. It will change after the merger effective date of May 31, 2022, when the two operations are integrated and your account is migrated to Credit Union 1’s system.

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SourceONE Credit Union will retain our current routing number for the time being. After the proposed merger effective date of May 31, 2022 and the conversion of systems occurs, you will then use your Credit Union 1 account number and routing number for automatic debits or credits.

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You will continue to use SourceONE Credit Union’s online/mobile banking until the merger effective date May 31, 2022. As of June 1, 2022, you will then use Credit Union 1’s digital banking platform which has a consistent look and feel across devices. Banking anytime anywhere has never been simpler.

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You will continue to use SourceONE Credit Union debit card until the merger effective date May 31, 2022. SourceONE CU members will be issued a Credit Union 1 Visa® Debit Card to use once the conversion of systems occurs.

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You will continue to use SourceONE Credit Union account information until the merger effective date May 31, 2022. Once the conversion of systems occurs, you will need to notify each business of your new Credit Union 1 account number and Credit Union 1’s routing and transit number.

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Until the merger effective date May 31, 2022, none of your account terms will change. Whether or not they will change after the merger effective date depends on the type of account.

Loans | Your existing loan contract will remain in effect until the loan is paid off.

Share Certificates | The terms of your existing share certificate will remain in effect until the maturity date.

Savings & Checking | Rates and terms on these accounts are subject to change at the time of the merger date. A Welcome Packet was mailed to SourceONE CU members on April 18, 2022 including a copy of CU1’s Membership Agreement and Account Disclosures along with additional disclosures effective as of June 1, 2022.

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A copy of the Welcome Packet is available online at creditunion1.org/source-one/.

We are here to answer your questions! Don’t hesitate to contact SourceONE Credit Union at [email protected] or 312.922.0495.

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We are here to answer your questions! Don’t hesitate to contact SourceONE Credit Union at [email protected] or 312.922.0495.

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Do not use an envelope for deposits at CU1 deposit-taking ATMs.  Our new, high-tech ATMs instantly verify deposits, so envelopes are not necessary. Deposit cash and checks directly into the machine in stacks of 30. The on-screen instructions will guide you through the deposit process. 

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You can deposit up to 30 items (cash and checks) at one time. Cash may be facing any direction but must be unfolded lying flat. Checks must be oriented correctly. There is an infographic on the machine that shows proper orientation.

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Cash and checks will need to be deposited as separate transactions. Only one type can be deposited at a time. Our high-tech ATMs will automatically count the deposit. It has an option to display check images on the screen before accepting the amount for deposit. For cash, the machine will calculate the amount you are depositing and displays totals on the screen.

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You do not need to sort cash before inserting it into the ATM; it just needs to be unfolded and lying flat. Our high-tech ATMs will automatically sort and count your cash. Coins are not accepted for deposit. The machine will then calculate the amount you are depositing and display it on the screen.

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Yes. There is an option to display check images onscreen for your instant verification. For cash deposits, you will see a total amount. Your receipt will include an itemized listing of all deposited cash, plus images of deposited check(s).

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Cash deposits are available for use immediately.

Check deposits still fall under Credit Union 1 Funds Availability Policy. Check deposits made on weekdays (excluding holidays) by 4:00 PM CST are considered received on the same day. If made on a holiday or weekend, the check deposit will be considered received the next business day. Items $500.01 or greater – the earliest availability for withdrawal of funds will be the 2^nd business day after the business day on which we receive the deposit. Payee must be on the account, or the check will be rejected.

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Yes, you can tap the cancel button on the keypad at any time or during the transaction there will be an option on the screen to cancel the transaction. The ATM will return your cash or check(s) to you.

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The ATM will deposit the entire amount into one account. You can achieve the same goal by then performing transfers between your accounts.

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