Why should I join a credit union, rather than a bank?
Are funds deposited at Unified People’s Federal Credit Union insured?
Who can join Unified People’s Federal Credit Union?
What documents do I need to open an account at Unified People’s Federal Credit Union?
How can I get account information when the credit union is not open?
If I have a savings account, can I get an ATM card?
Can I use On–Line Banking to transfer money to another UPFCU account?
Why does my checking account show different amounts for balance and availability?
When I transfer money into my checking account, is it available immediately?
Why did my due date change on my loan? I always pay it on the 15th when I get paid.
Why do I have to keep $5.00 in the S100?
I put in a change of address at the post office, why do I have to do one here?
How can I let the credit union know I have changed my address?
Why am I being charged a $5 fee for taking a withdrawal out of my savings account?
Why is there a daily limit on my debit card and credit card when I have more available?

Why should I join a credit union, rather than a bank?
Credit Unions are cooperative, not–for–profit, financial institutions that are owned by the people who use its services. These owners are called members. Unlike a bank with a paid board of directors, Unified People’s Federal Credit Union is governed by volunteers who are elected by their fellow members.

A bank is owned by its stockholders, and they are the people who get the profits. The member–owners of Unified People’s Federal Credit Union realize their profits through higher yields (dividends) on their savings and investments, fewer and lower fees and lower interest rates on loans.

Perhaps the biggest difference between Unified People’s Federal Credit Union and a bank is who motivates them. At a bank, the owners are stockholders, and may not even be local. Unified People’s Federal Credit Union is owned by our members, and the level of service they receive reflects their ownership status.


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Are funds deposited at Unified People’s Federal Credit Union insured?
Funds deposited at Unified People’s Federal Credit Union are insured by a U.S. Government agency, the National Credit Union Administration (NCUA), for at least $250,000. Certain retirement accounts may be insured up to $250,000. This coverage is backed by the “full faith and credit of the United States government.”


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Who can join Unified People’s Federal Credit Union?
There are several easy ways to become a member of Unified People’s Federal Credit Union. You or a family member can work or worship at one of the organizations listed on the Membership Eligibility page. Or, with a $10.00 donation, you can become a Friend of the Cheyenne Animal Shelter. For your convenience, you can join Friends of the Cheyenne Animal Shelter when you come in to open your account.


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What documents do I need to open an account at Unified People’s Federal Credit Union?
When you come in to open an account at UPFCU, you need to bring a valid, government–issued photo ID (such as a driver’s license) and your Social Security card. These identification requirements are mandated by the USA Patriot Act.


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How can I get account information when the credit union is not open?
When the credit union is not open, you can access your account through ATMs, the Telephone Teller and On–Line Banking. You can log in to On–Line Banking from the Home Page of this website.


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If I have a savings account, can I get an ATM card?
You may apply for an ATM card when you open a share draft (checking) account.


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Can I use On–Line Banking to transfer money to another UPFCU account?
Yes. Once in On–Line Banking, under the “I Want To…” menu, select Member Transfer.


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Why does my checking account show different amounts for balance and availability?
As soon as you use your debit card, the amount of the transaction is held and this reduces your availability. The balance will not be reduced until the debit charge is actually posted.


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When I deposit money into my checking account, is it available immediately?
Funds deposited into your account are available immediately so long as no hold is placed on your deposit. For example, Shared Branching deposits that are not marked as payroll checks will have a hold. You may also be given notice of a hold on a check deposited at the credit union.


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Why did my due date change on my loan? I always pay it on the 15th when I get paid.
To remain in compliance with federal regulations, due dates on all revolving and open–end loans were changed to the last day of the month. To avoid a late fee, you may pay your loan any day before the last day of the month. You may pay your loan on any day of the month that you desire.


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Why do I have to keep $5.00 in the S100?
$5.00 is the Minimum Opening Amount for these accounts. The initial $5.00 deposit gives the member full voting rights and ownership in UPFCU, and must remain on deposit for the duration of membership.


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I put in a change of address at the post office, why do I have to do one here?
As a security measure, mail from the credit union will not be forwarded by the U.S. Postal Service. Therefore, in order to keep receiving your statements and other mail from the credit union, we must have your correct address. Also the change of address at the post office is of limited duration so this is not a permanent solution.


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How can I let the credit union know that I have changed my address?
All address changes must be in writing and signed by the account owner. You can send address changes to Unified People’s Federal Credit Union, 414 East 18th Street, Cheyenne, WY 82001, or FAX them to 307-634-1540.


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How can I access my money when I can’t get to the credit union?

  1. ATM. You can use your debit card to access any ATM bearing the VISA logo. Please be aware that ATMs owned by other financial institutions or private parties may charge you a fee for using their ATM. To find a VISA ATM in more than 170 countries, visit the VISA Global ATM Network website at: http://visa.via.infonow.net/locator/global
  2. Shared Branching. Unified People’s Federal Credit Union is part of the Credit Union Service Network that offers Shared Branching. The Shared Branching network enables members from Unified People’s Federal Credit Union to perform transactions at other credit unions in almost every state. Allowed transactions include withdrawals, deposits, loan payments and advances, copies of statements and balance inquiries. To perform these transactions at a participating credit union, you will need our credit union name, your member number and a current photo ID. You will also be asked to verify the last four digits of your Social Security number. To find Shared Branching locations, look for credit unions with the “swirl” logo, call 800-919-2872 or visit: http://www.cuservicecenter.com
  3. Wire Transfer. You can also access your funds by requesting a Wire Transfer from your credit union account to an account at another financial institution. The fee for this service is $12.50. When you call us to request a Wire Transfer, you will need to provide the following information: the name on the other account; the other account number and whether it is a checking or savings account; the name and location of the other financial institution, and their routing number.

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Why am I being charged a $5 fee for taking a withdrawal out of my savings account?
Federal regulations limit the number of withdrawals from a savings account in any one month. To help our members comply with these regulations, the credit union discourages more than six withdrawals per month by assessing a $5.00 for withdrawals after the sixth one.


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Why is there a daily limit on my debit card and credit card when I have more available?
This daily limit applies only to cash withdrawals, and is set to protect members in the event a card is lost or stolen. Cash withdrawals are limited to $310.00 within a 24-hour period, inclusive of any fees that may accompany ATM transactions.