What's New

Mobile Deposit

The feature that everyone has been waiting for has finally arrived! Mobile Deposit is an easy and secure way for you to deposit checks using your mobile device. In just a few steps, you can make your deposit without ever having to go to a branch! Here are some frequently asked questions:

Is there a charge to use Mobile Deposit?

No, it's completely free!

How do I properly endorse my check(s)?

It is extremely important to ensure that you endorse your check(s) correctly so they don't get rejected. Here is what to do:

  • Sign your name as it appears on the front of the check
  • Write the account number you want the check deposited in underneath your signature
  • Some checks have a box that you can check for mobile deposit, so you can just mark that. (Image coming soon)
  • If there isn't a mobile deposit box, write Mobile Deposit

If proper endorsement isn't provided, then the deposit will be rejected.

When can I expect my deposit to appear in my account?

Deposits made prior to 2:30pm will be deposited into your account around 4:30pm. Anything after 2:30pm will be considered next day.

Are there limits to how much or how many checks I can deposit?

Yes. The maximum amount per deposit per day is $5,000 per account. Maximum amount for one check is $2,500 per day. There is not a limit to the number of checks that you can deposit in a day as long as you are within the daily limit.

Will there be a hold on deposit?

Deposits made through Mobile Deposit are subject to the UFirst check hold policy that is currently in place for all deposits made by check.

How do I access Mobile Deposit?

Mobile Deposit is only available with our UFirst Mobile Banking app which can be downloaded for free using iTunes or Google Play. The mobile application works with iPhone and Android smart phone platforms. To use the app, you must first be enrolled in online banking.

  • After logging in to the UFirst app, select "deposits" from the home screen
  • Select and account for deposit
  • Enter the check amount. Please note: per check limit is $2,500; per day limit is $5,000
  • Take a photo of the front and back of the check (Make sure it's a clear image and captures the whole check)
  • Make sure the back of the check includes proper endorsement (see how I properly endorse check above)
    • Signature
    • Account Number
    • Check of "for mobile deposit" or write Mobile Deposit
  • Confirm deposit details
  • Retain check until cleared

This information will all soon be permanently available on our updated website once it goes live. Mobile Deposit is a great new service that we are proud to offer and one we hope you will enjoy! If there are any questions regarding mobile deposit, please contact us at 518-324-5700 option 1.

Scratch to Win

What's your idea of FUN?! Picture this: You and your family making memories and finding adventure in a new RV; or cruising Lake Champlain with friends in your new boat; or maybe, it's hitting the open road on that motorcycle you promised to buy yourself after retirement. Whatever your idea of fun is, it's possible for everyone! And here at UFirst FCU, we're having FUN too with our new Scratch & Win promotion!

Here's how it works:

  • When you apply for a new or used recreational loan at UFirst FCU, you'll receive a Scratch & Win game piece for the chance to win a number of different prizes! All you have to do is:
    • Click here to apply conveniently and securely online or apply at any of our UFirst locations.
    • For online applicants, one of our loan officers will scratch the game piece for you and tell you what you've won!
    • For in-person applicants, your loan officer will provide you with a game piece to scratch!
    • And just like that, you're a winner!

Here's what you could win:

  • An additional 0.25% - 1.00% off of your loan rate
  • $10 VISA Gift Card
  • 60 Day No Payments
  • 90 Day No Payments
  • $50 Gas Card
  • 0.25% Increase on Certificate rate
  • $50 Gas Card

The best part is, everyone is a winner! Not only do you have the potential to finally own that recreational vehicle you've always dreamed of, but you could save money too! So hurry in and apply for the FUN of it!!

* Offer good through June 30, 2018. No purchase necessary. Membership required. Member must be in good standing and must present card at time of redemption to receive prize or discounted rate. Loan discounts are subject to credit card approval and credit union lending guidelines. Rate valid with financing of new or used recreational vehicles only, may not be combined with other promotions. Rates vary with term and credit history. Discounted rate is in addition to the relationship pricing program in place at UFirst FCU. Offer does not include existing recreational loans already financed at UFirst Federal Credit Union. 60 Day or 90 day first payment deferral is valid May 15th, 2018 - June 30, 2018. Payment is deferred for 60 or 90 days dependent on scratch off result. Interest begins accruing upon disbursal of loan. 0.25% increase on certificate is for new certificates opened during May 15, 2018 through June 30th, 2018 and do not apply to existing certificates with UFirst Federal Credit Union. UFirst swag or gift card winners can redeem for prize at Plattsburgh Main branch located at 274 Rugar Street. Call or visit any branch and speak with our loan personnel for more details. Other conditions may apply.

Online Banking Changes

On May 14th, 2018, we rolled out a new and improved online banking system that has relatively the same overall feel as our old online banking system. The new platform contains a wide range of improved and expanded services including:

  • An updated eStatement system to provide you with an easier and more efficient way to access your statements electronically through your online banking.
  • An updated Mobile Banking app that will reflect our new brand and colors!
  • Trends - a personal financial management tool to assist members with organizing and managing your finances through your online banking. It's like Quicken only secure within your own online banking! (It's like Mint.com!)
  • Mobile Deposit Capture - which will allow members to snap a photo of a check and deposit to their account using their mobile device.
  • Credit Sense - offers members free access to your credit score and assists you with making rate and payment comparisons on auto loans, credit cards, etc. to find the best deal for you!
  • Transfer Now is taking the place of our current Account to Account option which allows you to transfer to or from your personal external accounts at other financial institutions. For example: Transfer funds from your UFirst account to an account you have somewhere else!
  • Bill Pay - No changes there! Our bill pay system will be staying the same!

Click Here to view a tutorial of our new online banking system!

If you experience any issues logging in or have questions about any of our new services, you can email us or call 518-324-5700 option 1.

Coming Soon!

  • Updated Website: Due to unforseen technical issues by our provider, the new UFirst FCU website release has been delayed. We hope that it will be up and running soon, but we will be sure to keep our members updated. The new website will be upgraded to reflect our new brand and a fresh look. The overall outline of the website will remain, but it will be upgraded for ease of use and navigation. Our website address will remain UFirstFCU.net.

We want to assure our members that while UFirst FCU is going through these changes, you will continue to receive the same outstanding service you have come to expect from us!

New Look. Still UFirst.

New Look. Still UFirst. Still for you.

UFirst FCU has some exciting news!! We've just had a makeover and we're very proud of our new look!

Questions?  Click here for information on how our new logo and brand will affect your banking experience.

UFirst FCU is all about you, our members and to better serve you, we have some exciting changes taking place in 2018! UFirst FCU has a new look and while you’ll notice that our logo colors and design have changed, the integrity of it has not. Our history, the relationship we have with you and the same great service you receive from our staff, still remain and will continue. I am pleased to announce that in the coming months, UFirst FCU will be undergoing some important changes to reflect our new brand and better serve you.

Beginning this Spring, the Plattsburgh main branch will be expanding; A more visually-refreshed website is underway and new products & services will be added to help meet the growing financial needs of our members. I thank you for being a valued member of UFirst FCU and we look forward to continuing our relationship together…For Today. For Tomorrow. For You.


Linda Bourgeois, President/CEO

CO-OP ATM Access


UFirst FCU has some exciting news! We've joined a CO-OP ATM Network that allows our members access to nearly 30,000 surcharge-free ATMs from coast to coast! That's convenience even some of the biggest banks can't match. And it's one of the benefits of being a member of UFirst FCU.

What does this mean? It means that you can use any ATM where you see the CO-OP logo. So, whether you're across town or away from home for business or pleasure, finding the closest surcharge-free ATM is easy, using your phone, mobile app, text messaging or internet access.

What is a surcharge fee? A surcharge is a fee that may be assessed by an ATM owner for using the machine. Our members can use ATMs within the CO-OP Network and avoid these fees.

Find ATMs near you:

  • Visit CO-OPatm.org
  • Download the mobile app (search CO-OP ATM and look for the CO-OP logo)
  • Text your current address to MYCOOP (692667)
  • Call 1-888-748-3266

Please feel free to contact us at 518-324-5700 option 1 with any questions about the CO-OP ATM Network!

Co-op ATM Video

Coming Soon: CO-OP Shared Branch!!

Shred Days

Mark your calendars for the UFirst Shred It & Forget It Event!  

Protect yourself from identity theft by bringing your unwanted personal documents to the UFirst Shred It & Forget It event. If a document contains your signature, Social Security Number, account number, medical or legal information, it should be shredded when you no longer need it. Adirondack Mobile Shredding will be on site to shred your documents safely and securely, Free of Charge!

Join Us:

Saturday, September 8th, 2018

9:00 am - 12:00 pm 

Location TBD

Remember to keep a few things in mind:

  • There is a maximum of 5 file boxes or trash bags per car. We can only accept paper - please no electronics, hardware, etc.
  • Shred Day is open to the community; however we do restrict businesses from dropping off. We simply cannot accommodate large quantities of shredding and we appreciate the cooperation.
  • Check over the documents you are going to shred to ensure that you are not getting rid of anything of importance like birth certificate, social security card, marriage license, etc.
  • Please look for UFirst personnel to greet you and direct you on where to park. We will come to you!
  • Can't make it? A secure drop off bin will be available at the Plattsburgh Main branch two weeks prior to the event and will be accessible during normal business hours.  
  • Shred Day is FREE; however, donations to benefit Camp Ta Kum Ta are kindly accepted.

We look forward to seeing you at our Shred It & Forget It event!

Shred Day is first come, first serve. While our shred Days are schedule to last three hours, the actual length of the Shred Day depends on how full the truck is. if the truck is full before the scheduled end time, the remainder of shred day will be canceled.