local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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UBAY2GO Text Banking provides you with a fast, secure option for checking your balances and tranferring money from your mobile phone.


1. Visit m.ubccu.org and select option 1. Mobile Banking

2. Sign in with your home banking username and password

3. An email will be sent to the email address you have on file with home banking that includes a One Time Pin

4. Once you have received the email add the One Time Pin to the end of your password at the mobile web site login screen

5. Once in the mobile site, select the Text Banking option on the menu options

6. Then select option 1. Add a mobile number on the Text Banking screen


7. Agree to the Terms and Conditions (Step 1 of 3)

8. Enter your mobile number (Step 2 of 3) and continue

9. A Text Message will be sent to your phone. Respond to the Text with a Y to enroll and you will receive a verification code to enter into the mobile site.

10. Get back to the mobile site (it should still be open in your phone's internet browser) and enter the verification code from the Text Message (Step 3 of 3).

11. You will receive another text welcoming you to Text Banking with the commands that can be used.

*Please see a list of commands below*


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

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