FAQs

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BECOME A MEMBER

When you join you will open a “share” account. All you have to do to keep membership is keep at least $5 in this account and use the account once a year.

If you meet our eligibility requirements below, all you need is a state issued ID and $5 to join.

Eligibility to Join:

• Immediate family of existing members.
• All employees of our Select Employer Groups
• As a consumer, you may be eligible to join our credit union through the New Jersey Consumer Council (NJCC)-click to learn about NJCC or start your United Teletech Financial membership application here.

You can view the current bylaws by clicking here.

You may check your eligibility by searching our Select Employer Group list here.

The New Jersey Consumer Council (NJCC) is a non-profit consumer education organization with over 16,000 members. NJCC is a chapter of the American Consumer Council (ACC) that has over 400,000 members and 57 chapters across the nation. The New Jersey Consumer Council serves as a strong consumer advocate to protect the rights and interests of consumers. Click to read more about NJCC or visit their website at newjerseyconsumercouncil.org.

No, when you select the NJCC as your enrollment option, United Teletech Financial will automatically enroll you as a new member in the NJCC as your membership eligibility option.

Membership is open to all individuals and businesses in the Tri-State area – New Jersey, New York, Pennsylvania, and Delaware.

There is no cost to you for an Individual Lifetime Membership, it is paid by United Teletech Financial. The cost for a Business membership is $79. A business is defined as a licensed business, church, family trust, non-profit organization, government agency, or Native American tribe.

Not at all. Other criteria may qualify you for membership.

If you live in New Jersey, New York, Pennsylvania, or Delaware, you are eligible for membership simply by inclusion in the New Jersey Consumer Council. The council is a great resource that watches out for the interests of consumers in the Tri-State area. UTF will take care of enrollment at no cost to you.

Please log on to online banking and select the menu option titled ” Additional Services”. In the dropdown, select “Check Reorder”. Checks will arrive within 7 – 10 business days.

We can wire money for you and accept wires on your behalf. To wire money out of your account, please visit any branch with the following information:

Domestic Wire

Bank name
Bank routing number (contains 9 digits)
Beneficiary name (person receiving Funds)
Beneficiary account #
Complete address of beneficiary (no PO Box)

To accept an incoming wire from another party, you will need to provide them the following information:

Receiving Institution:
United Teletech Financial FCU
ABA# 221276011
205 Hance Avenue
Tinton Falls, NJ 07724

Final Credit:
Member’s name, account number, and suffix at United Teletech Financial.

Outgoing Wires Via Secure Mail

You can place a wire request remotely using our Online banking’s secure mail feature.

In the message provide the following:

You will receive a response in the same business day, unless your request is received after 3:00pm in which case we will respond the next business day.

Please complete the form listed below and provide a copy to your employer.

Direct Deposit Authorization Form

221276011

1099-Int tax form will be generated if interest earned in the year was $10.00 or greater for the year

1098-Int tax form will be generated if interest paid on your loan was $600.00 or greater for the year

Tax forms are mailed to the address on file.

You can find the availability of your deposit on your transaction receipt.

When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before 2:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit.

For specific details you can reference your Membership Agreement given at account opening located in your online banking disclosures.

All members with a United Teletech checking account have access to our online banking platform and our Mobile app.

Visit this link: https://www.utfinancialonline.org/tob/live/usp-core/app/register

Please log on to our Online Banking platform and from the menu select “Secure Forms” -> “Secure Email”.  In the subject, please write “Bill Pay Issue”. Please provide your first name, last name, member number, and a description of what happened.

You will receive a response in the same business day, unless your request is received after 3:00pm in which case we will respond the next business day.

Please select the “Forgot Username/Password” option to reset your password. If you are still running into any issues, please give our member care team a call at 732-530-8100.

Mobile Device Operating Systems

• Android devices version 8.0(Oreo) and above.
• Apple iOS devices(iPhones) version 13 and higher.

Desktop Operating Systems

• Windows 7 with Microsoft Internet Explorer versions 11 or above, Windows 8, Windows 10
• Apple OS X using Safari Versions 9 or above.

Yes. Your eligibility to use Zelle® becomes available 45 days after you enroll in online banking.  Be sure to enroll in online banking as soon as your new account is set-up.

When signing the back of your check for mobile deposit your endorsement should include the following:

1. Your signature
2. The words “For Mobile Deposit at United Teletech Financial FCU Only”
3. Date of Deposit

We will accept the abbreviation “UTF FCU.”

To sign up for e-Statements, please sign into your Online Banking.

• Under Additional Services, click on e-Statements & Notices
• Click on Settings and look for your choices
• Read the notices provided and confirm your choice to “Register” for e-Statements

Signing up for e-statements will allow you to view them online and avoid the $2 paper statement fees.

Note: Recommended Web browsers – Internet Explorer, Chrome, or Firefox

Mobile Users: Make sure you unblock pop-ups and accept/allow 3^rd party cookies (under internet options – check privacy tab) and allow Cross site-tracking

Regarding Safari users on mobile devices: Go to Settings on the device, then choose Safari; in Block Cookies – choose “Always Allow” and this will allow statements to be viewed on your device

iPhone Settings to View Statements

Log onto Online Banking, select Secure Forms -> Secure Email.

In the subject write “New Debit Card”. Please provide your first name, last name, member number, address, and last 4 digits on the card.

You will receive a response in the same business day, unless your request is received after 3:00pm in which case we will respond the next business day. It usually takes 7-10 business days to get a new debit card through this method.

You can also call 732-530-8100.

7-10 Business Days

Call cardholder services at 866-213-2398.

Please call 888-691-8661

Please call 888-891-2435. Please call them from on the phone number we have on file for your account.

To a request a payoff(pay off)

Please log onto the Online Banking platform and from the menu select “Secure Forms” and send us a secure email with your payoff request details. We will respond within 2 business days.

Nonmember Request- Please fax the request and the member’s signed authorization form to 732-530-2027. ATTN: Payoff Request. We will respond within 2 business days.

To make a loan payment, please use our mobile banking app or our online banking platform. To make a payment, simply select “transfers”, and transfer your payment amount from your checking or saving account into the loan that you wish to pay.

You can also pay using an account from another institution or credit or debit card by clicking here. Please note, if you use this method, you must make the exact loan payment amount.