Paying bills can be a tedious task. Writing checks, finding stamps, mailing envelopes – it takes time and effort each month That’s why online bill pay through Universal 1 Credit Union can be a real timesaver.
Universal 1 Credit Union (U1) offers a convenient online bill pay service that allows you to quickly pay bills from your computer or mobile device. In this comprehensive guide, I’ll walk through everything you need to know to use U1’s online bill pay system to easily manage bill payments
What is Universal 1 Credit Union?
Before diving into the bill pay service let’s start with an overview of Universal 1 Credit Union itself.
Universal 1 Credit Union, also called U1, is an Ohio credit union that does everything. U1 has more than 49,000 members and provides a wide range of financial services, such as savings and checking accounts, loans, credit cards, mortgages, insurance, investments, and more.
U1 was created in 1949 to serve people who worked at Dayton Power. Through the years, U1 has grown to serve many more Ohio businesses and groups. Today, anyone who lives, works, worships, or goes to school in the counties that U1 serves can become a member.
With over $550 million in assets, U1 is the largest credit union headquartered in the Dayton region. They have 10 branches in Dayton and Springfield to serve members.
What is U1’s Online Bill Pay Service?
U1’s online bill pay service allows you to conveniently pay your bills online 24/7 through U1 Online Banking.
With U1’s bill pay system, you can:
- Pay bills from your U1 checking account
- Schedule one-time or recurring payments
- Pay almost any company or individual
- Avoid late fees with on-time payments
- Save time and money on stamps and checks
U1 Bill Pay is a fast, easy way to manage monthly bills. Payments can be made to companies big and small, from your mortgage lender to the local dentist. You can also use bill pay to send payments to individuals for things like rent or paying a friend back.
Online bill pay is included free for all U1 checking account holders. There are no monthly service fees.
How Does U1 Online Bill Pay Work?
Using U1’s bill pay service is simple:
Step 1. Set up payees – The “payees” are the people and companies you want to pay. When you first enroll in online bill pay, you’ll add the payees you wish to pay – such as your electric company, cell phone provider, etc.
Step 2. Schedule payments – For each payee, you choose the amount and date for payments. Payments can be one-time or recurring.
Step 3. Confirm payment details – Review and confirm payment details before payments are processed.
Step 4. Payments processed – On the scheduled date, U1 processes the payment from your checking account to the payee. Most payments take just a few business days to reach the payee by mail or electronic transfer.
It only takes a few minutes to set up each payee and schedule payments. U1 Bill Pay securely stores your payees and payment details for future use.
Getting Started with U1 Online Bill Pay
Ready to start enjoying the convenience of paying bills online? Here is how to get started with U1 Bill Pay:
Step 1: Enroll in U1 Online Banking
To access U1 Bill Pay, you first need to be enrolled in U1 Online Banking. This allows you to securely manage U1 accounts online.
To sign up for Online Banking:
- Visit your local U1 branch – a member service representative can help you enroll on the spot
- Call 800-621-4828 for enrollment assistance
- Or self-enroll online at www.u1cu.org
You will create a username and password. Be sure to have your U1 account number handy when you enroll.
Step 2: Access the Bill Pay Service
Once you are logged into U1 Online Banking, here is how to access the Bill Pay service:
- Click on the “Pay Bills” button or tab at the top of the screen
- Follow the prompts to fully enroll in U1 Bill Pay
- Accept the Bill Pay terms and conditions
It takes just minutes to complete the Bill Pay enrollment. You are then ready to start paying bills online.
Step 3: Add Your Payees
It’s time to start adding Payees – the people and companies you want to pay. From your Bill Pay dashboard, click “Add a Company or Person.”
You will search for the Payee you want to add. U1 Bill Pay includes thousands of common national and local businesses in its payee database. Enter keywords to search – the business name, a bill account number, phone number, or address.
Select the matching Payee result. Confirm the details are correct. Click “Add Payee” to finish adding them.
Repeat this process to add all your Payees such as the electric company, credit cards, internet provider, etc.
Step 4: Schedule Payments
Once your Payees are set up, it’s time to schedule payments. It’s easy:
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From the Bill Pay dashboard, select the Payee you want to pay
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Choose the account to pay them from
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Enter the payment amount
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Select the payment date
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Choose one-time payment or recurring payment
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Click “Add Payment” to schedule
The payment will be processed on the date you scheduled. Recurring payments continue automatically on their set frequency.
You can log into Bill Pay any time to view, edit or cancel scheduled payments. Add new one-time or recurring payments as needed.
Bill Pay Convenience on the Go
In addition to paying bills on your computer, U1 Bill Pay offers mobile convenience. The U1 Mobile App makes it easy to pay bills on the go from your smartphone or tablet.
The U1 Mobile App is free to download on iPhone and Android devices. Once installed, log into mobile banking using your online banking credentials. Access Bill Pay by tapping the “Pay Bills” button.
U1 Mobile Bill Pay allows you to:
- Pay bills directly within the app
- View payment history
- Add new payees
- Manage scheduled payments
- Receive bill pay alerts
Paying bills while waiting in line or during your lunch break is a breeze with mobile bill pay.
Helpful Bill Pay Tips
Follow these tips and best practices when using U1 Bill Pay for smooth sailing:
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Allow time for mail delivery – Pay bills at least 7-10 days before they are due to ensure the payments arrive on time via mail.
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Go paperless – Ask payees to send bills and statements electronically instead of by mail to speed up the process.
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Review payment history – Log into Bill Pay regularly to confirm payments were processed as scheduled.
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Update Payee details – Keep your payees’ contact info, account numbers, and addresses current in the Bill Pay system.
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Set up alerts – Get email or text alerts when bills are processed so you can stay in the know.
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Pay early to avoid late fees – Schedule recurring payments to be processed a few days before the due date as a cushion.
Bill Pay Costs and Limits
U1 Bill Pay is completely free for checking account holders, with no monthly fees. However, there are some limits and costs to note:
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Payment limit – The maximum single payment amount is $10,000.
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Daily limit – You can schedule up to $20,000 in total payments per day.
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Overdrafts – Payments that overdraw your account may incur overdraft fees. Monitor your balance.
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Expedited payments – Instant or next day payments are $10 each. Allow extra time to avoid.
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Gift checks – Gift checks cost $4 each, includes delivery.
Knowing these limits can prevent potential hiccups in bill payment processing. Reach out to U1 if you need your payment limits increased.
Getting Bill Pay Support
If you ever have an issue or question about U1 Bill Pay, please don’t hesitate to reach out for assistance:
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Call the U1 support line at 800-621-4828
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Visit your local U1 branch and speak with a member services representative
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Send a secure message through U1 Online Banking
U1’s friendly and knowledgeable team is ready to help with your bill pay needs!
Why Choose U1 for Bill Pay?
Here are key reasons why U1 Bill Pay is a winning choice for managing monthly bills:
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Convenience – Pay bills securely 24/7 without checks, stamps, envelopes
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Ease of use – User-friendly bill pay setup and management
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Mobile access – Pay bills on the go with the U1 mobile app
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Peace of mind – Payments processed on time helps
Steps on U1 Mobile Check Deposit
Step 1: Click on [Deposit Checks] in the U1 mobile app. Step 2: Use the [Select an account] dropdown to choose the deposit account. *You can also choose to set up more than one checking account for remote deposit. Step 3: Click [Enter an amount] to enter the deposit amount for the check. Step 4: Select [Front of check] to activate the camera on the smartphone. Step 5: Follow the instructions to line up the check correctly, then select [Camera icon] to take a photo of the front of the check. Step 6: After taking the first photo, select [Back of Check]. Step 7: Return to the Check Deposit menu to see s of the front and back of the check. Step 8: Click [Deposit check] to deposit the check to their selected account.
- Deposits will be available on the same day or by the next business day.
- Save the check until you receive an email stating that the check has been cleared.
- Make sure to use U1 Mobile Deposit in a well-lit area to ensure that the check s are correctly captured.
- Keep hands clear of the check when photographing. For best results, lay the check on a flat surface when taking pictures.
- To avoid a deposit error, make sure that the check is not folded or torn.
- Make sure that the entered check amount matches the amount on the check.
Any of a check that you transmit must accurately provide all information on the front and back of the check. You are required to endorse any item with your signature and adding the restrictive endorsement “For U1 Mobile Deposit Only”, including your account number and suffix.
SIGNATURE “FOR U1 MOBILE DEPOSIT ONLY” ACCOUNT NUMBER & SUFFIX
Find out the latest news, events and U1 happenings here.
U1 membership eligibility is available through many outlets. Find out how to become a U1 member here.
How to Add a Payee in Bill Pay
FAQ
How do I pay Universal 1 Credit Union by phone?
Does Universal 1 Credit Union have Zelle?
How big is the Universal 1 Credit Union asset?
How do I sign up for U1 online bill pay?
Getting started with U1 Online Bill Pay is easy and you can sign up through Online or Mobile Banking. For Online Banking Log into U1 Online Banking. For Mobile Banking For assistance on U1 Bill Pay, you can view the Online Banking demo. Click “Bill Pay” in the lower left corner menu and then select the step you’d like a demo on. Bill Pay
What is universal 1 credit union?
Universal 1 operates under a state charter in Ohio, offering comprehensive financial solutions tailored to the residents of Ohio. With over 48,000 members, Universal 1 Credit Union offers a wide range of accounts, including: Find the service status of online banking, mobile app, and the Main Office location at One River Park Drive.
What is a universal 1 credit union checking account?
Universal 1 Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (937) 225-6800. Checking Accounts (Share Draft) – Manage your daily finances with convenient checking accounts.
What is u1 online banking?
Online Banking is the go-to source for all your U1 financial needs. Monitor, move and track your money how you want. Logging in for the first time is simple. Give us a quick call or register through the U1 Mobile App and let’s get you started. Password – Call member support 937-431-3100 option 0 for your secure password. Online Banking FAQs