Rancho FCU Mobile Banking Download app now
Rancho FCU Mobile Banking Download app now

Products Services

Enjoy a full suite of sophisticated financial products and services in a friendly, welcoming atmosphere!

Online Banking

Use our free online Online Banking service to securely manage your UFCW Credit Union accounts. To enroll in Online Banking, simply call any branch to have a temporary password sent to you. Once you receive the temporary password, click the “Username Setup” link below to finish setting up your online account. For current users, simply click the Online Banking button above, and enter your user name and password. It’s that simple to take advantage of these time-saving features, quickly and securely:

  • View your account balances, debit card transactions and deposit history
  • Make loan payments and view loan information
  • Print cleared checks
  • Place stop payments on checks
  • Transfer funds between UFCW accounts
  • Order checks through Harland Clarke
  • Apply for a loan and receive a decision in minutes
  • Obtain tax information (interest paid, dividends earned)
  • Access EzPay to pay all your bills, or an individual, online

Click here for Username Setup

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UFCW Mobile Banking

Visit the Apple App Store or Google Play to download our shiny new Mobile app! Log in with just a touch of your thumb, (after initial setup) or use your Online Banking credentials. Then manage all your finances directly from your phone or tablet.

You can simply and conveniently view balances or transaction history. make transfers, pay bills, and even make deposits with from your connected device. You’ll feel like you’re carrying the credit union in your pocket. (Except for the really heavy building part!)

Imagine no more trips to the Credit Union unless you need a special service or you just want to come in and say hi!

Remote Deposit Frequently Asked Questions

  • Is it secure?

    Yes. Our Mobile Banking app with Deposit Anywhere operates in a secure, encrypted environment. You’ll need to log in with your User ID and password, as you would when using our Online Banking. Not yet signed up for Online Banking? No worries. Sign Up here (Online Banking Link)

  • What is Deposit Anywhere?

    Deposit Anywhere is a convenient service that allows you to deposit checks to your UFCW Credit Union account remotely, using your Android or iPhone. It’s available free of charge to eligible accountholders, through the latest version of our mobile banking apps – available for free from Google Play or the App Store

  • Is there a fee?

    There’s no fee for using UFCW Credit Union Mobile Banking or Deposit Anywhere.

  • What can I deposit using Deposit Anywhere?

    You can use Deposit Anywhere to deposit original paper checks payable to:

    • You or Cash – as the payee
    • UFCW Credit Union

  • What items are ineligible for Deposit Anywhere

    The following items can’t be deposited using Deposit Anywhere:

    • Cash or foreign currency
    • Savings bonds
    • Checks payable to a third party
    • Substitute checks (checks created from an electronic image)
    • Checks that are irregular in any way (checks with mismatched numeric and written amounts)
    • Checks that have previously been returned unpaid for any reason
    • Checks that are stale dated (older than 6 months)
    • Checks drawn on a foreign financial institution or payable in a foreign currency

  • Is there a limit on the amount or number of deposits?

    You can deposit up to three checks per business day, totaling no more than $5,000. Business days for Deposit Anywhere are considered to be Monday through Friday, 8am to 3pm PST, excluding holidays or any other day we’re not open for business. Transactions processed after these hours on a business day, or on any other day that is not a business day, are treated as occurring on the next business day.
    Please note that all deposits will be reviewed before final credit is issued.

  • Which accounts can I deposit to?

    If you meet the eligibility requirements, you can deposit to your UFCW Credit Union savings and consumer checking account.

  • Can Loan payment be made using Deposit Anywhere?

    No, deposits can only be made into your UFCW Credit Union savings and checking accounts. However, once a deposit is made into one of those accounts, you can transfer the funds to your loan or credit card account – which is considered a payment.

  • What is the cut-off time to deposit checks?

    There is no cut-off time for depositing checks through Deposit Anywhere. However, if you deposit your check after 3pm PST, the check will be processed the following business day.

  • How soon are my funds available?

    Up to $200 will be available immediately. The remaining funds will be available by the second business day after the day of deposit. Additional delays may occur on a case-by-case basis. Business days for Deposit Anywhere are considered to be Monday through Friday, 8am to 3pm PST, excluding holidays or any other day we’re not open for business. Transactions processed after these hours on a business day, or on any other day that is not a business day, are treated as occurring on the next business day.
    Please note that all deposits will be reviewed before final credit is issued.

  • Do I need to endorse the back of the check?

    Yes – please endorse the back of the check to avoid any delays

  • How will I know if my check was deposited successfully?

    Once you’ve completed the deposit, your screen will display a confirmation message that the check was transmitted successfully. You may also log in to Online Banking to view the deposit. Please keep in mind that once the check has been successfully transmitted, it will be reviewed to ensure it can be processed. For that reason, please keep your check for 14 days before securely destroying it. You may want to maintain a separate folder for checks you’ve already deposited, so they don’t get mixed up with checks you still need to deposit.

  • What do I do with my check after I deposit it?

    After your check has been successfully transmitted, it will be reviewed to ensure it can be processed. So please make a note on your check that it has been deposited and keep it for 14 days before securely destroying it. You may want to maintain a separate folder for checks you’ve already deposited, so they don’t get mixed up with checks you still need to deposit.

  • Why was my check not accepted?

    If your check isn’t scanned correctly, it could be rejected for any of the following reasons:

    • The MICR line (the long line of numbers toward the bottom of the check) may not be clear and within the viewer guidelines
    • The check amount, number or date couldn’t be read
    • The front signature wasn’t detected or was missing
    • The account number, routing number or other check data couldn’t be read
    • The routing number was invalid
    • The check wasn’t endorsed

  • How can I ensure my check image is readable during the deposit process?

    1. Place the check on a dark, flat surface – free of other documents or paperwork
    2. Ensure that the front and back image of each check is within the borders of the screen
    3. Be sure the MICR line (the long line of numbers toward the bottom of the check) is fully visible
    4. Make sure there is space between the MICR line and the edge of the image

  • I accidentally deposited the same check at the branch or ATM, what happens now?

    If you accidentally deposit the same check more than once, your account will be adjusted accordingly. It’s important that you contact the Credit Union right away to advise us of the error, to avoid any unnecessary fees and maintain your Deposit Anywhere privileges.

  • I have the latest app, but deposit anywhere isn’t showing up. Why?

    It may be because you’re not eligible for the service. Please call us at 866.855.9050 to confirm your eligibility.

  • Why is Deposit Anywhere not available on my account?

    It may not be available for your account if:

    • You’ve been a UFCW Credit Union member for fewer than 30 days
    • You aren’t registered for Online Banking
    • Deposit restrictions exist on your account
    • Current or previous collections exist on your account

    Who can I contact if I still have questions or need assistance?
    You can send us secure message, call us at 866.855.9050 or come in to our convenient branches.

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Rosie the Phone Teller

As long as you have access to a touchtone phone, you can manage your UFCW Credit Union checking and savings accounts day or night. Just call (562) 803-0329 or (866) 931-7520 and enter your Rosie the Phone Teller (formerly QuickTel) access code. Follow the simple, step-by-step instructions to obtain account balances, transfer funds, make loan payments, verify whether deposits or checks have cleared and more. Click here or call to request a Rosie wallet guide.

If you like the convenience of Rosie, you’ll love our 24-hour online @Home Banking service and our new Mobile App. They enable you to make a wide range of secure transactions – from virtually any device with internet access. What not try one or both today?

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MasterCard Debit Card

The UFCW Credit Union MasterCard Debit card is versatile and convenient. It serves as your ATM card, and can also be used to make purchases at millions of merchants worldwide, wherever MasterCard is accepted. It is faster and easier than writing checks and each transaction is deducted from your checking account and itemized on your statement. Best of all, you never pay a finance charge or annual fee.

If your card has been lost or stolen call the Rosie the Phone Teller number 562-803-0329. It will prompt you with the following:

After salutation:

  1. For Main Menu of services press 1
  2. To Activate a New Card press 2
  3. To report a card lost, stolen or not received press 3
  4. To block a specific card number press 1
  5. To block all cards on account press 2
  6. Then enter the card information.

If the Credit Union is open please contact a representative.

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EzPay

Save time and postage with EzPay. There is NO FEE to use this service, all you need is a UFCW Credit Union checking account in order to start saving time and money! EzPay is conveniently located inside of our Home Banking service.

  • Pay an unlimited number of bills each month
  • Set up single or recurring payments
  • Deduct payments from your UFCW Checking Account
  • Access E-bills online from your payees
  • Receive an e-mail when each E-bill arrives
  • Pay individuals, such as gardeners, house cleaners or babysitters

If you have any questions regarding EzPay please contact the following:
Phone (562) 803-6401 or (866) 855-9050
Hours Monday – Thursday 9am to 4pm and Friday 8am to 6pm.
Email: support@ufcwcu.org

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Auto Locating and Buying Services

UFCW Credit Union has partnered with Auto Expert and AutoSMART. Auto Expert provides our members with a full service auto buying experience and AutoSMART provides research tools for those that negotiate their own deal.

Auto Locating and Buying Services

If you dread the idea of buying a new or used vehicle, UFCW Credit Union has a great tool for you. Introducing Auto Experts, a FREE concierge service that does all the work from start to finish. An Auto Expert representative listens to WHAT YOU WANT, they RESEARCH, they LOCATE the car, and they NEGOTIATE THE BEST PRICE. They’ll even deliver the car to you. Say goodbye to the stress and aggravation with your next purchase by using Auto Expert.

If you enjoy the art of “wheeling and dealing” and you like to research things yourself, then use our AutoSMART tool. You’ll find payment calculators, Kelly Blue Book, CarFAX, etc and by using AutoSMART you will be able to locate the car you want without running from dealer to dealer. Visit rfcu.cudlautosmart.com to use this FREE resource.

If you have any questions regarding our Auto Location and Buying Service please contact the following:
Phone (562) 803-6401 or (866) 855-9050
Hours Monday – Thursday 9am to 4pm and Friday 8am to 6pm.
Email: support@ufcwcu.org

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Financial Planning Services

Come in to one of our offices and meet Certified Financial Planner Michael S. Busico. Michael is founder and CEO of 1st Financial Planning Group, Inc. He has over 23 years of experience specializing in investment, retirement and estate planning. Michael graduated with a Bachelors Degree from the University of California Los Angeles and obtained his certified financial planning designation from the University of Southern California.

Michael is known as a “safe money” advisor and has proven that participation in the market without losses can be achieved through a safe and sound financial planning. Keeping your needs in mind, he will create a customized plan that will help you achieve your financial goals.

If these questions come to mind…

  • Are you thinking about retirement?
  • Do you need a Living Trust and do not know where to start?
  • Do you wonder what to do with your 401-K when you retire?
  • Are you worried about stock market losses?
  • Do you need to review your life insurance coverage ?
  • Are you looking for long term care insurance?

Call Michael for a complimentary consultation at 888-51-FIRST (888-513-4778). He is available to meet with you at any of the UFCW Credit Union offices.

CA Insurance License #0594403

Sales of Investment Products offered through Michael Busico, of 1ST Financial Planning Group, INC and brokerage services provided through Gradient Advisors, LLC are:

  • NOT federally insured
  • NOT obligations of UFCW
  • NOT guaranteed by UFCW
  • May involve investment risk

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Insurance Services

UFCW Credit Union offers access to a wide range of insurance products and services to protect you and your family. We offer Credit Life and Credit Disability Insurance, with low premiums included in your monthly auto loan payments, plus Mechanical Breakdown Insurance (MBI) and Guaranteed Asset Protection (GAP) to protect your investments in motor vehicles. Group Health Insurance, Life, Disability Auto and Homeowner’s Insurance are available through TruStage.

TruStage Financial Services

The TruStage Financial Services Network can help you meet all your investment and insurance needs conveniently under one roof. Choose from a complete assortment of products and programs including: Term Life, Whole Life and Variable Universal Life insurance, Auto and Homeowners insurance, Long Term Care Insurance, Disability and Accident Insurance, Health and Dental Insurance, Medicare Supplements, Accidental Death and Dismemberment Insurance, Mutual Funds and much more.

Realize your financial goals with solutions tailored precisely to your needs. A team of experienced, financial management representatives is standing by to help you reach a bright and secure financial future. To speak to a representative, call toll-free 1-877-MEMBERS or click here: TruStage Investment or TruStage Insurance.

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Wire Transfers

UFCW Credit Union can receive wire transfers from most financial institutions in the world. The following should be used when initiating a wire transfer into UFCW Credit Union.

Wire to:

ABA/Routing # 307087399

Receiving Institution:

Alloya FCU
4450 Weaver Parkway, Suite 100
Warrenville, IL 60555

Further Credit:

UFCW
12620 Erickson Ave., Suite H
Downey, CA 90242

Account #: 322275144

Final Credit:

Members Name
Members Address
Members Account # (UFCW Credit Union)

You may contact one of our Member Services Representatives at your local branch below if you have any further questions.

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Overdraft Privilege Program

Our Overdraft Privilege Program will give you the peace of mind of knowing your overdrawn transactions will be paid. UFCW Credit Union’s Overdraft Privilege Program will help you avoid the embarrassment of bouncing a check, or of having your UFCW Credit Union Debit Card declined. Overdraft Privilege Program protects you up to a limit of $250 or $500. Your transaction will be honored and paid and each Overdraft Privilege transaction will incur a $29 fee. Your account will be overdrawn to process and pay your transaction, and $29 fee will be assessed. You then have 30 days to repay the advance we have made to you.

Specific criteria must be met to qualify for the Overdraft Privilege Program and certain restrictions apply. Contact a branch office near you for more information.

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Direct Deposit

After a simple, one-time enrollment, you can have your net paycheck routed to your UFCW Credit Union checking account, automatically every payday. Your funds are available the same day at any UFCW Credit Union branch office, at the ATM or on our Online Banking online service. You may also choose payroll deduction to make loan or credit card payments automatically. Use UFCW Credit Union’s routing number 3222-7514-4 and your account number for direct deposits, payroll deductions and other electronic transfers (EFTs). To set up Direct Deposit of your Social Security checks, call (800) 772-1213 or go to www.ssa.gov/deposit/howtosign.htm. Think of all the time you’ll save.

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Contact Us

Click or call (562) 803-6401 to get in touch.