Call24-TheNewFlowChrt

Call 800-929-9444 Outside of Illinois

  • Services
    • Your account information can be obtained from United Credit Union  through a touch-tone phone.
    • Withdrawals of any funds from Regular Share Savings, Checking or Line of Credit (LOC), or VISA advances can be transferred into any of your accounts with United Credit Union or paid to you directly by way of a check being sent to your home address.
    • United Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, or lower an account below a required minimum balance.
    • Limited to 6 transactions per month from Savings (Federal Reserve Regulation D).
  • Security Codes

    • Four-digit Personal Identification Number (PIN) selected by you.
  • Costs

    • No charge for using Call 24.
    • United Credit Union reserves the right, however, to impose service charges for Call 24 services at a future date after giving notice of such service charges.
  • Member Liability

      • Contact United Credit Union Immediately if you believe your security code (PIN) has been lost or stolen.
      • Inform United Credit Union within 2 Business Days to limit the loss to no more than $50, if someone used your code (PIN) without your permission.
      • If you do NOT inform United Credit Union within 2 Business Days after you learn of the loss or theft of your code (PIN) and United Credit Union can prove we could have stopped unauthorized use of your code (PIN), you could lose as much as $500.
      • Upon receipt of your statement, contact United Credit Union immediately if you notice a transfer that you did not make.
  • Failure to report unauthorized Call 24 transfers within 60 days after the statement was mailed to you, along with United Credit Union being able to prove that we could have stopped unauthorized use of your code (PIN), may result in you not receiving any money back.
  • If extenuating circumstances prevent you from notifying us within the 60 days, we may extend the time period.
  • How to Contact United Credit Union (Questions or Errors)

      • If you believe that your security code (PIN) has been lost or stolen, or that someone has transferred or may transfer funds from your account without your permission, contact United Credit Union immediately.  We must hear from you within 60 days after we sent the FIRST statement on which the problem or error appeared.
      • Provide the following:
  • Name
  • Account Number
  • Describe the error or the transfer of which you are unsure.  Clearly explain why you believe it is an error or why you need more information.
  • Include the dollar amount in question.
    • Within 10 business days, United Credit Union will provide a correspondence on the results of our investigation and will correct the error promptly.
    • If additional investigation is needed, we will re-credit your account within 10 business days for the amount you think is in error.  Our additional investigation will be conducted within 45 business days.

      • Within 3 business days after the additional investigation is completed and we conclude an error DID NOT occur, United Credit Union will send you a written explanation.
      • We reserve the right to reverse any funds re-credited to your account prior to the completion of the investigation.
      • You have the right to request copies of the documents used in our investigation.
    • Call us at 1-800-848-3444
      • United Credit Union may require your request or complaint in writing.  Receipt is required within 10 business days in order to credit your account.

    • Write us at:

      United Credit Union
      Attn:Financial Services
      4444 S. Pulaski Road
      Chicago, Illinois 60632

  • Credit Union’s Liability

      • If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages.
      • We will NOT be liable, for example:
  • If, through no fault of ours, you do not have enough money in your account to make the transfer;
  • If the transfer would go over your approved limit on your Line of Credit or VISA®;
  • If the telephone is not working properly and you know about the breakdown when you started the transfer;
  • If circumstances beyond our control (such as fire, flood, or problem with the telephone lines) prevent the transfer, despite reasonable precautions taken by United Credit Union;
  • If a third party originating the deposit either fails to generate the deposit or fails to generate in the correct amount or on-time;
  • If the money in your account is subject to legal process or other encumbrance.
  • Right to Receive Documentation of Transfers/Pre-Authorized Credits

    • If you have a Direct Deposit made to your account at least once every 60 days from the same source and you do not receive a receipt, such as a pay stub, you can call us at the Chicago West Member Services Center, 1-800-848-3444 to find out whether or not the deposit has been made.
  • Privacy

    • United Credit Union will not disclose information to third parties about your account or the transactions you make, except:
      • Where it is necessary for us to complete a transfer or
      • To verify the existence or status of your account for ordinary business purposes, such as a request from a credit reporting agency or merchant, etc., or
      • In order to comply with legal process, such as a government agency or court order, etc., or
      • If you give us written permission.
    • Change of Terms

      • United Credit Union reserves the right to change or amend the terms of our electronic funds transfer system.
      • Prior notice may not be given, however, where an immediate change is necessary to restore the security of your account.
  • Note:

If we approve the Call 24 audio response access service for your accounts, a separate Personal Identification Number (PIN) will be chosen by you.  You must use your PIN along with your account number to access your accounts. 

At the present time, you may use the audio access service to:

  • Withdraw funds from your Savings and Checking accounts.

  • Transfer funds from your Savings, Checking and Loan accounts.

  • Obtain balance information for your Savings, Checking, Loan, IRA, and Certificate of Deposit accounts

  • Make loan payments from your Savings and Checking accounts.

  • Access your Line of Credit. Determine if a particular check has cleared.

  • Obtain tax information on amounts earned on Savings and Checking accounts or interest paid on Loan accounts.

  • Verify the last date and amount of your Payroll Deposit.

Your accounts can be accessed under the Call 24 audio response service via a touch tone telephone only.  Call 24 will be available for your convenience 24 hours per day.  This service may be interrupted for a short time each day for data processing.

United Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.  All checks are payable to you as a primary member and will be mailed to your address of record.  The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.  United Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds.  The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.