local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union  e-Banking
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PAL (Phone Access Line)

To take advantage of our quality financial services, you don't have to come to a physical UBCCU location. We can come to you. PAL, our phone access line, and Ubay@Home, our home banking service, are designed to let you handle your financial business when it's convenient for you!

Our free-24 hour phone access line, lets you check your account balances, transfer funds between accounts, and more, all right over the phone.

Access PAL by calling the credit union [989-892-4597 or (800) YOUR-OWN] and choose option 1 or (866) 487-7717.

First time users will be prompted to setup your account for access. Click here to view the PAL menu guide in Adobe® PDF format. Adobe Acrobat® is needed to view the PAL menu guide. Click on the graphic to download the latest version of Adobe Acrobat®.


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.

member NCUA       Equal Housing Opportunity