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Universal 1 Online Banking

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Account access whenever, wherever

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.

First time login:
User ID – U1 Account Number
Password – Call member support 937-431-3100 option 0 for your secure password.

Online Banking FAQs

 Online Bill Pay

It’s time to take away the stress by letting U1 Bill Pay work for you! Pay bills with a click or touch of a button.

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Skip waiting for the mail and sign up for eStatements to access your statements on demand. Login to Online Banking and enroll under the Additional Services tab.

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transfer External Funds Transfer

External Transfer allows you to move money when and where you want. Control and transfer money between your U1 accounts and accounts you hold with other financial institutions.

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Send and recieve money with friends and family, wherever they bank*. Money sent with Zelle® goes directly from your bank account to theirs and makes it easy.

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Explore resources, test your knowledge and get new tips on how to use Zelle® safely and how to navigate common scams.


 Purchase Rewards

It's never been easier to earn cash back from your favorite stores! With The Purchase Rewards program, you can receive cash back when you shop online and in-store. Sign into Online or Mobile Banking to start saving today!

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 Money Management

Money Management tracks account activity from U1 and other financial institutions to help you with budgeting and savings goals. Set parameters and detail transactions to hit your goals and see the big picture.

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Online Banking FAQs

First Time Login


Setting up Text Alerts

Locate Account Number Within Online Banking

External Funds Transfer & Money Management

All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rates and terms subject to change.

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Find out the latest news, events and U1 happenings here.


Member Eligibility

U1 membership eligibility is available through many outlets. Find out how to become a
U1 member here.

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