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FAQ


How can I apply for membership at United Bay Community Credit Union?
Membership to UBCCU can be obtained by visiting any Ubay  branch. All parties to be included as primary or joint members must be present at the time of opening with a valid, state-issued, photo ID. If parties to be included as joint members are not present, they may be added at a later time.

For minor accounts (17 years of age and under), please bring their social security card and birth certificate. An adult with a valid, state-issued, photo ID is also required as a joint owner on the account to be added at the time of opening.


What is the email address for the credit union?
For general inquiries, please contact info@ubay.org.
For loan inquiries, please contact loans@ubay.org.

Please note that you should never send sensitive account or personal information including account number and social security number through unsecured channels such as email.


What is the fax number for the credit union?
Coleman Branch: 989-499-3104
Euclid Branch Fax: (989) 686-2976
Lincoln Branch Fax: (989) 892-5701
Mattawan Branch Fax: (269) 668-6446
Pinconning Branch Fax: (989) 879-1474
Portage Branch Fax: (269) 381-1731

Faxes received outside of business hours will be processed on the next business day.


Where is United Bay Community Credit Union located and what are your hours?
UBCCU has full service branches located in Bay City, Coleman, Mattawan, Pinconning ,and Portage Michigan.  Click here for our addresses and hours.


Who can join United Bay Community Credit Union?
Anyone who lives, works, worships, or attends school in the state of Michigan is welcome to join Ubay.
Do I get charged an ATM fee by United Bay Community Credit Union?
Member ATM fees are as follows:
  • For transactions completed at CO-OP Network ATMs – NO
  • For transactions completed at Non CO-OP Network ATMs – The first four (4) transactions per month are FREE. There is a $1.00 fee per transaction after the first four.
  • For transactions completed at a UBCCU owned ATM - NO
Non-Members are charged a $3.00 fee in addition to fees charged by their financial institution.


How long is the hold on deposits into an ATM?
Deposits made at an ATM are held for 2 business days. Longer holds may be applied based on the discretion of the Credit Union. If the ATM deposit hold is extended, you will receive a notice explaining the decision in the mail.


Is there a charge to get an ATM card?
Ubya offers a MasterCard® Debit. This card can be used to withdraw/deposit funds, check balances, or do transfers at CO-OP Network ATMs. There is no fee to apply for a UBCCU MasterCard® Debit.

There is a fee to replace a lost or stolen card. Call (989) 892-4597 for our fee schedule.
What is a debit card? What is a check card?
The terms “debit card” and “check card” mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can be used to make purchases at any retail establishment that displays the MasterCard logo.


Can I use my MasterCard® Debit outside the United States?
Yes. Please be aware of exchange rates when calculating your purchases and withdrawals. MasterCard® Debit may also charge a fee of up to 0.08% of the transaction for purchases processed outside of the U.S.

It is also recommended to contact the Credit Union before traveling so that your transactions do not trigger fraud monitoring, potentially blocking your card while you are outside of the country. If your card does stop working while out of the country, please contact our card monitoring company at (888) 241-2440.


How much am I charged for using my MasterCard® Debit to make a purchase?
There is no charge for making a purchase with your MasterCard® Debit.


What are the daily limits for a MasterCard® Debit?
For purchases the daily spending limit is $2,500 per day.
For ATM cash withdrawals there is a limit of $500 per day.


Is there a charge for a new MasterCard® Debit?
There is no fee to apply for a Ubay MasterCard® Debit.
There is a fee to replace a lost or stolen card. Call (989) 892-4597 for our fee schedule.


Who do I contact if my debit/credit card is lost or stolen?
Within the U.S., call (888) 241-2510
Outside the U.S., call (989) 941-1398.
What is the routing number of the credit union?
272476996


Do you offer mobile banking?
Yes, through our UbayGo Mobile Banking App.


What type of savings accounts do you offer?
Ubay offers Saving Accounts, Money Manager Accounts, Club Accounts and Youth Saving Accounts. See accounts here.


How can I reorder checks?
To reorder checks, please stop into any Ubay branch, call (989) 892-4597 or send a secure conversation in UbayGo.


Does the credit union offer free bill payment?
Bill Pay is a free, online bill payment option through UbayGo.

If Bill Pay is inactive for 30 days, a $5.00 monthly fee will be charged. After 90 days of inactivity, Bill Pay is automatically closed. Fee's will apply for rush payments. 


What online/electronic services do you offer?
You can access your account 24 hours a day through our automated phone system PAL or online access at UbayGo.

Ubay also offers Bill Pay, monthly eStatements, eAlerts, and Online Loan Applications.

What is my initial home banking password?
If you set up your UbayGo account at our branch, the Member Service Specialist (MSS) will let you select your username and temporary password.

To set up your UbayGo account on your own from our website, click on “Not a user? Click here to apply!” in the blue bar on the log in page. You will need your social security number, account number and the email address on file to complete this process. You will be able to select your own home banking password.


What should I do if my home banking login fails?
You have three chances to log into your UbayGo account before your account is locked. If you have exceeded this, please contact Ubay during regular business hours to have your account unlocked.

If you have forgotten your password, click the “Forgot Password” link on the Login page. You will need your UbayGo ID and the email address on file to complete this process.

If you have forgotten your UbayGo ID, please contact the credit union during regular business hours.

If you are still having trouble, please contact Ubay during regular business hours for support.


How do I log in to online banking?
To access UbayGo, go to www.ubay.org and click on the “Login” button in the upper, right-hand corner of the screen. On the next page, click “I Accept & Continue” to be taken to the login screen. First, you will enter your UbayGo ID and click “Submit”. On the next page, please verify your personal image before entering your UbayGo Password and selecting “Submit”.


How do I sign up for home banking?
You may set up your UbayGo account at any Ubay branch or may set it up yourself online.
To set up your UbayGo account on your own from our website, click on “Not a user? Click here to apply!” in the blue bar on the login page. You will need your social security number, account number and the email address on file to complete this process.
















How do I change my address on my account?
Address changes can be done in person at any Ubay branch, through the mail (please include a signature and a photo copy of a valid, state issued, photo ID for all members on the account), or online through UbayGo Home Banking.

To change your address online go to www.ubay.org and log into UbayGo Home Banking, select “Services” from the main menu, and then select the “Change of Address” option. Update your information (fields marked with an asterisk (*) are required), and click on submit at the bottom of the form.


How do I add or remove joint owners from my account?
To add a new joint owner to your current Ubayaccount, visit any Ubay branch. A signature is required from the primary member, as well as all current joint members. Therefore, all parties currently on the account, as well as the person(s) to be added, must be present with a valid, state issued, photo ID.

To remove a joint owner from your Ubay account, the person to be removed must sign an “Authorization to be Removed as a Joint Owner” card. These cards can be obtained at any Ubay branch. A signature is only required from the person(s) to be removed, so the primary member does not need to be present. The primary member cannot be removed from an account.


How do I sign up for direct deposit?
If your employer offers direct deposit, give the payroll department our credit union’s routing number 272476996 and your account number.
What interest rate do you pay on a Term Savings Certificate?
Interest rates on Term Savings Certificate vary and are based on the term of the certificate. View our rates.


What is a Term Savings Certificate?
A Term Savings Certificate is a savings certificate entitling the bearer to receive interest. A Savings Certificate bears a maturity date, a specified fixed interest rate and can be issued in any denomination. When you open a Savings Certificate, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date, you pay a penalty.
What should I do if my checks were lost or stolen?
As soon as possible after the discovery of the missing check(s), contact the Credit Union at (989) 892-4597 or go to any Ubay branch. A stop payment will be placed on the check/series of checks that were lost/stolen (a stop payment fee may apply). If needed, new checks may be ordered at this same time for the regular price.

If a fraudulent check has debited your account, please contact your local police department as soon as possible to file a police report.


Does the credit union put a hold on checks?
Yes, Ubay may place a hold on any check deposit based on our Membership Agreement.


Can I get overdraft protection?
Overdraft Protection (ODP) is granted to accounts that meet the criteria in our Membership Agreement. Please contact the credit union at (989) 892-4597 for more information.


What are the charges for a checking account?
There is no minimum deposit or fee to open and maintain a Ubay checking account. 

Checks can be ordered through Ubay. Prices vary based on style of check. Primary members age 62 and older who are retired with their social security or pension direct deposited qualify for one (1) free box of checks per calendar year.

Fees based on your usage may apply. Call (989) 892-4597 for our fee schedule for fee.

Can the credit union give me a copy of my credit report?
No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.


How can I get a copy of my credit report?
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.


How can I apply for a loan?
You may apply for a loan in person at any Ubay branch, or current members may apply online.


Do you offer mortgages?
Yes, UBCCU offers a number of mortgage options. You can find more information about Ubay mortgages here.


Does the credit union offer student loans?
At this time UBCCU does not offer Student Loans


By what methods can I pay on my loan at United Bay Community Credit Union?
Loan payments can be made in person, through the mail, over the phone (with funds from your account, or a third party credit/debit card), or online through ubayGo  Home Banking and the ubay2GO Mobile App. UBCCU also offers a 24 hour night drop box at all branch locations. Please note, night drop payments are processed on the next business day.


What is a signature loan?
A signature loan is a loan without material collateral such as a car or home. The maximum amount you can borrow is $40,000. You can use this loan for just about any purpose. Click here to apply online for a signature loan.


Does the credit union offer business loans?
No. At this time Ubay does not offer business loans.


How often should I get a copy of my credit report?
Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—give you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.

To get a free copy of your credit report, visit AnnualCreditReport.com.


Do you have to be a member to apply for a loan?
No. Non-members are encouraged to contact the Credit Union by phone at (989) 892-4597 during regular business hours, or email at loans@ubay.org and a UBCCU Loan Officer will get with you shortly. Remember, do not send any personal information, such as social security numbers, through email.


How do I get pre-approved for a loan?
Current members can apply for a loan online. You may also contact a Loan Officer by stopping at one of our branches or calling, (989) 892-4597.
Non-members are encouraged to contact the CU by phone at (989) 892-4597 during regular business hours, or email at loans@ubccu.org and a UBCCU Loan Officer will get with you shortly. Remember, do not send any personal information, such as social security numbers, through email.


What type of loans do you offer?
UBCCU offers a wide variety of loans for a wide variety of purposes, including Automobile Loans, Home Equity Loans, Mortgages, Recreational Vehicle Loans, Personal Loans, and VISA® Credit Cards. See our loans here.
Can I have both a traditional and a Roth IRA?
Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.


What is a Roth IRA?
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older.


Will I earn interest on my money if I put it into a Roth IRA?
Yes, you will earn interest on the funds that are on deposit at the credit union in your Roth IRA. Click here to view Roth IRA rates.


Who can contribute to a Roth IRA?
Those who work for a living can contribute to a Roth IRA account. The income must be derived from actual work efforts and compensation in the form of wages, tips, salaries, bonuses and professional fees.


Will my Roth IRA affect the amount that I can contribute to my employer-sponsored retirement plan?
No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.


How much can I contribute to my Roth IRA?
There are limits on the amount of income one can make during a given year—and the limits change from year to year. Please visit the IRS website for details.
















What financial records do I need to save-and for how long?
Utility Bills, Deposit, and Withdrawal Slips – 1 Month
Once you verify your payment has been processed, or reviewed your monthly financial statement, you no longer need to hold these items. (NOTE: If you are self-employed, you may want to keep copies of these records with your Supporting Tax Documentation.)

Monthly Statements, Pay Stubs – 1 Year
Hold on to your monthly financial statements, credit card statements, and pay stubs throughout the year to help verify your end of year totals.

Supporting Tax Documentation – 3 to 7 Years
For most people, the IRS may request your supporting documentation (this includes W-2s, 1099s, annual financial statements, tuition payments, and charitable donations) up to seven years after you file your return.

Tax Returns/Major Financial Records – Forever
It is a good idea to keep a permanent electronic or hard copy of all of your tax returns as well as any major financial transactions such as legal filings and inheritances.

Note: These are general guidelines, and not meant to be definitive advice for all situations. Check with your personal financial planner or a tax professional before discarding any records.


How can I establish good credit?
To establish good credit, you need a steady work record and continued residence at the same address. If you do not have a checking account, open one and be careful not to bounce checks. Read more about establishing good credit.


Is it a good idea to cosign a loan?
Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports.  Read more about your obligations when you cosign a loan.


Should I borrow money from my 401(k) for emergency cash?
It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, explore alternatives.


Should I buy or lease a car?
To make this decision, calculate your monthly payments and your total net cost. When you compare these amounts, you can determine which option is right for you. Use our Auto Buy or Lease calculator to help you.
For which utility bills do you accept payment?
UBCCU does not accept any utility bill payments.


How can I change my address?
Address changes can be done in person at any Ubay branch, through the mail (please include a signature and a photo copy of a valid, state issued, photo ID for all members on the account), or online through ubay@HOME Home Banking.

To change your address online go to www.ubccu.org and log into UbayGo Home Banking, select “Services” from the main menu, and then select the “Change of Address” option. Update your information (fields marked with an asterisk (*) are required), and click on submit at the bottom of the form.


Can I buy or cash in savings bonds at your office?
Savings bonds are not available for purchase at UBCCU, however we can cash series E, series EE, and series I bonds at any Ubay branch.


Do you exchange foreign currency?
No. UBCCU does not do currency exchange.


Do you offer notary services?
Yes. UBCCU does offer notary service at all of our Ubay branches (it is recommended to call ahead to verify a notary is available).
For current members, notary service is $3.00 per document.
For non-members, notary service is $10.00 per document.


Do you have safety deposit boxes?
Yes. Safety deposit boxes are available at our Lincoln, Euclid, and Pinconning branches. Box sizes vary per location and range from $20 to $100. Please contact the individual branch for size and availability information.


Is my money that I have on deposit at United Bay Community Credit Union insured?
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.


Does the credit union have any open positions for employment?
For up-to-date employment opportunities, click here.


Can my payroll be deposited directly into different accounts?
Yes. Once your direct deposit has been set up and the first payroll has been deposited into your account, a UBCCU MSR can help you set up automatic transfers to other accounts, side savings, and loan payments within the credit union.

To have a portion of your payroll deposited to a different institution, you will need to check with your company’s payroll department.


How do credit unions differ from banks?
Credit unions are not-for-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans. A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union.

"People Helping People" is the credit union philosophy. A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote.


If a member is under the age of 18, can they apply for a loan, Visa credit and/or Debit Card, or overdraft protection?
UBCCU does not offer loans to members under the age of 18.


Does the credit union offer wire transfers?
Yes, UBCCU offers both domestic and international wires.


Does the credit union offer travelers checks and money orders?
UBCCU does not offer travelers checks.
Money orders are available at any Ubay branch. The limit for a money order is $1,000.00.


I need to place a stop payment on a check. How can I do that?
A stop payment can be placed on a check or a group of sequential number checks by contacting the Credit Union by phone or in person. A fee is required for the stop payment (Call (989) 892-4597 for our fee schedule). A stop payment taken over the phone is considered a verbal stop and is good for 14 day. To extend the hold, a signature is required on the stop payment form. Stop payments can only be completed on checks that have not yet drafted the account.


Do you offer business accounts?
Yes, call Rebecca at (989) 891-1621 to open a business checking account.
What should I do if I think I've been a victim of identity theft?
If you feel you have been a victim of identity theft, contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online.


What is “phishing”?
Phishing is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a website where they are asked to update personal information, such as passwords and credit card, social security, and account numbers that the legitimate organization already has. The website, however, is bogus and set up only to steal the user’s information. Ubay will never contact you via email requesting personal information such as account or social security numbers.


What is "vishing"?
Vishing is the telephone equivalent of phishing. Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft. The scammer usually pretends to be a legitimate business, and fools the victim into thinking he or she will profit. Ubay will never contact you via phone requesting personal information such as account or social security numbers.


What should I do if my wallet is lost or stolen?
If your wallet has been lost or stolen, take the following actions:
  • Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
  • Notify the SSN national fraud hotline at 1-800-269-0271.
  • Cancel your credit cards.
To report a lost or stolen Debit card:
  • Within the U.S., call (888)241-2510
  • Outside the U.S., call (909) 941-1398 or call (800) YOUR-OWN 
To report a lost or stolen Visa Card
During Business Hours, call (989) 892-4597 or (800) YOUR-OWN 
After Hour Support:
  • Within the U.S., call (888) 241-2510
  • Outside the U.S., call (909) 941-1398
File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.