Universal Federal Credit Union
304-697-2919      Hours & Locations     info@universalfcu.com

Debit Card Fraud & TEXT Messages

If you receive a text message from 207-33, EnFact Fraud Provention Center, this is a VALID request from Universal FCU and our fraud prevention service.  If you would like to be enrolled in text message alerts for your debit card, then follow the directions provided in the text message to enroll.  If you do not wish to receive the text alerts, then reply STOP and it will cancel any further texts.  This service will alert you to a transaction that is in question and help prevent fraud from occuring on your account.  Universal FCU is working diligently to prevent disruptions to your debit card use while also protecting your account to the best of our ability.

Activating a new Debit Card?

You now need to call 800-992-3808 instead of going to an ATM to activate.  Identity questions will be asked/confirmed, during the phone call.  If you have any questions, please contact our member services department.

Lost or Stolen Debit Card?

If you need to report a lost or stolen debit card outside of our normal business hours, please call 1 800-472-3272.



Bill Pay
Pay your bills electronically to any company or any individual. You must be an active user of CU Online (home banking) to utilize this service. Once logged into CU Online, click on the Bill Pay link to enroll and use this fantastic product!
New and Used Vehicle Loans - Auto, Boat, Motorcycle, RV, Camper!
Bill Consolidation Loans
Signature Loans
Mortgage Loans* - First and Second Mortgages, Fixed Rate and Balloons
Regular shares - Special Shares
Christmas Club Shares - Summer Pay Shares - IRA Accounts
Term Share Certificates
Share Draft Accounts
Club Ed (Children’s Club) Shares
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