Universal 1 Online Banking

Your User ID must be at least six characters long but no more than 20 characters. It can contain letters, numbers, and certain special characters (@$*_-=.!`). However, it cannot contain any spaces between characters or only numbers.

Your Password must be at least six characters long and no longer than 32 characters. It cannot contain any whitespace and cannot be a substring of the User ID. It must also contain characters from at least two of the following three categories: letters, numbers and any special characters.

No. You’ll be asked for a verification code that can be sent to your phone or email to confirm identity. This code will also be used if you forget your password.

Your Online Banking pages are supported by most modern browsers. To ensure the best possible experience, please be sure you are using the most up to date versions of the browsers listed below. Your browser will need both JavaScript and cookies enabled to access and operate within the site.

• Microsoft Edge
• Mozilla Firefox
• Google Chrome
• Apple Safari

It depends. If you have disabled cookies on your browser settings, the online banking system will prompt you for a security code each time you log in.
Enabling cookies will allow you to log in without being prompted for a code because the device remembers your previous visits to online banking. You will need to indicate when you enter the verification code if you are logging in from a private or public computer.

After 10 minutes of inactivity your account will automatically log-off. However, a box will appear with 60 seconds left asking if you would like to stay logged in. Click yes if you wish to continue.

You can receive email or text alerts for important account happenings such as balance changes or transaction posts. Setup yours within the Online Banking dashboard under the Additional Services tab by selecting the Text Banking & Alerts option.

Once logged into Online Banking, under My Accounts, click the account you wish to see the full account number for. You’ll be taken to the Account History page and there you will see a dropdown menu titled: Account Details. Click that and locate the ACH number for your full account number.

Yes, there is no charge to use these services.

FAQs for these products are located in Online Banking under each product's section. Find help for External Funds Transfer under the Settings tab. You can also view a demonstration of how to move money with External Funds Transfer by clicking "View Demo" in the Online Banking box. Click "Transfer Money" for EFT located on the menu in the bottom left corner.