local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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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 at (989) 892-4597 or 1-800-YOUR-OWN(968-7696) and choose option 1 or
(866) 487-7717.

First time users will be prompted to setup your account for access.


To connect with our members by inspiring trust and providing
the financial support they need to establish roots and thrive.

Providing our members the resources
to develop strong financial roots.

member NCUA       Equal Housing Opportunity