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Android users may experience intermittent issues when logging in to the Mobile App. You can still access Online Banking via a desktop or mobile browser. We apologize for the inconvenience and are working to resolve the issue.

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Information Center

We understand there can be a lot of questions when it comes to finding the best way to manage your money. In order to provide you with as much useful and easy-to-find information as possible, we’ve compiled a list of frequently asked questions that cover a wide range of topics from banking basics to fraud protection to loan options.

If you still can’t find the answers you’re looking for, please feel free to contact us and we’ll work to find the information you need.


Can I receive account information via email?
United Heritage offers many avenues for members to access personal account information without being at a branch. Members can contact the Telephone Service Center Monday through Friday, from 8:00 a.m. to 5:00 p.m. (CST) for account information. Account information can also be accessed securely by using IN-TouchSM, our 24-hour automated account information phone system, or Online Banking at United Heritage does not recommend members provide personal information by way of email, and does not release personal information by way of email. However, email can be utilized to bring attention to a problem, or ask questions that may be answered with transaction specific information. United Heritage reserves the right to limit information release, even if you give permission for the information to be released through a potentially unsecured method.
How do I change the address on my account?
Address changes can be made via Online Banking once you log in to your account, or by mail. If you’ll be mailing in your address change, you’ll need to fill out and sign an address change request and send it to: PO Box 1648, Austin, Texas 78767. Please note that proof (piece of mail or an updated license) will be required if the account has been opened less than 60 days.
What is Online Banking?
Online Banking enables you to access your account 24/7. Through Online Banking, you can view your account information and perform a variety of transactions, such as ordering checks, transferring money between accounts, paying bills and downloading account histories. It is a free service for all UHCU members. To learn more, click here.
How do I log in to Online Banking?
You can log in to Online Banking from any page of our website. An Online Banking password is required. If you don’t already have a password, you can create one by contacting the Telephone Service Center or via IN-TouchSM. You cannot access Online Banking with your ATM or Debit Card PIN. If you are unable to log in to Online Banking, click here.

Telephone Service Center:
512.435.4545 / 903.597.7484 / 800.531.2328
Press 0 for a Telephone Service Representative
Press 3 to access IN-TouchSM
Is Online Banking safe? How does United Heritage protect my private information?
Your protection is paramount for us, and this is true for our Online Banking feature as well. United Heritage does not retain your address or domain when you access our website. We do maintain a ‘counter’ for visits to our site, but do not retain the address or origin of these visits. To utilize our online system, members must sign in using an authorized User ID and Password. This system is secure. Members may obtain personal information and make financial transactions, as allowed by the system. Transactions performed while on this system are recorded within the account database. UHCU offers secure encrypted email through Online Banking once a member is appropriately signed in to the system. For more information, click here.
What is Mobile Banking, and how do I use it?
Mobile Banking lets you access your account anytime, anywhere from your mobile device using the UHCU Mobile App. The app allows you to perform a variety of banking transactions, locate branches/ATMs and more. To learn more, visit our Mobile Banking page.
How do I set up Web BillPay?
You can set up BillPay through Online Banking. To view a demo of the quick and simple process click here.
To set up BillPay you’ll need your Online Banking PIN number. If you do not know, or have not yet set a PIN, contact the Telephone Service Center to create one.
512.435.4545 / 903.597.7484 / 800.531.2328
Press 0 for a Telephone Service Representative
How do I set up automatic transfers?
Automatic or recurring transfers can be set up via Online Banking or through IN-TouchSM. Automatic transfers allow you to deposit a specified amount into a different account on a recurring basis, as well as make payments toward a loan.
Do I need to have overdraft protection on all of my United Heritage accounts?
While it isn’t mandatory for our accounts, we highly recommend you opt-in for Overdraft Protection for all of your accounts. If there isn’t enough money in the designated account to cover a purchase, the transaction will be denied unless you authorize us to make the payment by opting-in to Overdraft Protection.
How do I ensure wire and ACH transfers are properly credited to my account?
Make sure you provide your name as it appears on your account, your full account number (13 digits, also called your MICR) and the routing number of the credit union – 314977188. If you have a checking account with United Heritage, your MICR displays on the bottom of your checks. If you need additional information, give us a call.
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