UMe... available in travel size.
With UMe’s app for iOS and Android, you can access the credit union right from your mobile device. And best of all? It’s totally free.
What can U do with UMe mobile?
Our newest app features make your mobile-banking experience even more convenient:
Face ID Login (if your device allows)
Other popular mobile banking features
Mobile Check Deposit
Depositing your checks is a snap (literally) with our app. Just choose the account you want to deposit into, enter the check amount, and snap a picture with your mobile device. Confirm and tap “send”—that’s it!
We take your security seriously, which is why mobile deposits are just as safe as deposits at an ATM or in our branch. Your photos are transmitted immediately to UMe and never stored on your device. And of course, your account info is secured by encryption.
Manage Cards with UMe CardNav
We’ve added an extra layer of card security with UMe CardNav, a companion app to the UMe Mobile app. Turn your cards on and off, get instant alerts, set spending limits, create travel notifications, and control where your cards will work — all with the tap of your finger!
Download the UMe CardNav app (from the App Store or Google Play Store). After you initially download the UMe CardNav app, it will launch and work within the regular UMe Mobile app, no need to login anywhere else.
We can’t eliminate your bills, but we can make paying them more convenient. Rather than trying to track and manage your expenses separately, use our app to pay them all from one place. You can also schedule payments ahead of time, set up recurring payments and view your payment history.
Pay a Friend
Whether you need to pay a friend back for dinner or send money to your family, you can now easily do it all from our app. It’s the easy and secure alternative to carrying cash or mailing a check.
With our app, you can view account balances and activity in real time. From ATM transactions and deposits to credit or debit card usage, you can see it all as it happens. Want to transfer funds between your UMe accounts and loans? We can help you with that too.
24/7 Access to UMe
For instant access to a variety of member services, use UMe mobile. With a few taps and swipes, you can contact UMe’s 24-hour lending center, or report a lost or stolen card day or night. Plus, get directions to the branch (we’re always happy to see you!), or find the nearest ATM in our network of 30,000 surcharge-free ATMs nationwide.
Send and Receive Money with Zelle®
Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust1, regardless of where they bank. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.2
Send money directly from your account to theirs — typically in minutes.1
Use Zelle® within the app you already trust. No account numbers are shared.
Send money using just an email address or U.S. mobile number.
How it works
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
You can send, request, or receive money with Zelle®. To get started, log into UMe mobile app and select “Send Money with Zelle®.” Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”2. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your UMe account, typically within minutes1.
It’s easy — Zelle® is already available within the UMe Credit Union mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click “Transfer” when prompted during the Zelle® enrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.
When you enroll with Zelle® through your UMe app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with UMe Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies UMe of the incoming payment. We then direct the payment into your UMe, all while keeping your sensitive account details private.
Keeping your money and information safe is a top priority for UMe. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your UMe account safe.
You can send money to friends, family and others you trust1 even if they have a different bank or credit union.
Since money is sent directly from your UMe account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither UMe nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your UMe account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
Neither UMe nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your UMe Credit Union mobile app using just their email address or U.S. mobile number.
Neither UMe Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your UMe Credit Union account, typically within minutes1.
If you have not yet enrolled to use Zelle®, follow the Zelle® enrollment instructions within the UMe app or UMe Online Banking. If you need assistance with enrolling, please give us a call at (818) 238-2900 and we will be happy to help!
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please give us a call at (818) 238-2900.
Bank from your pocket
Log into the latest version of the UMe mobile app, select “Send money with Zelle®, and enroll your U.S. mobile number or email address.
1 U.S. checking or savings account required to use Zelle. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle®.
3 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.