What's sweeter than flowers and candy? UFirst VISA Credit Card + Low Balance Transfer Rate + Savings + Rewards = Super Sweet Deal! During the month of February, make the switch with balance transfer rates as low as 4.90% APR*!

Why should I transfer my balance?

If you have balances on multiple cards, transferring them to one card helps you simplify your monthly bills, reducing your number of payment and saving you money!

Ready to transfer your balance? Here's what you need to do:

• Fill out the application to initiate the balance transfer
• Be sure to get your application in before the offer runs out on February 28th, 2019
• Remember: Balance transfers aren't instant, so be prepared for it to take a week or so for the balance on your existing cards to disappear. If you have a bill due before the transfer goes through, you have to pay it.

Not a UFirst Cardholder yet? Check out the many perks of having the UFirst VISA Credit Card at the top of your wallet:

• No Annual Fee
• No fee for cash advances
• Rates as low as 7.90% APR*
• Sleek design with our new logo
• Added protection of EMV-chip technology
• Get rewarded for every dollar spent
• Manage your card conveniently online
• Shop online safely with Verified by VISA

So what are you waiting for? It's time to show those high rate credit cards the door and move your balances to the UFirst VISA Credit Card. Apply Today!

Questions? Our friendly team of lenders are always happy to answer any questions you may have. Email them or call 518-324-5700 option 2.

_{*APR - Annual Percentage Rate. The promotional rate (4.90% - 14.90%) is available on balance transfers only and must be made between February 1, 2019 - February 28, 2019. Promotional rate for balance transfers made within this timeframe will be available until February 28th, 2019. Aft the 12 month promotional period ends, your standard variable APR (7.90% - 17.90%) may vary depending on credit qualifications. Offer available until February 28th, 2019. Any balance transfer cannot exceed your predetermined credit limit. Balance transfers cannot be used to pay off a UFirst FCU loan. A balance transfer fee of 3% or $5 of the amount of each balance transfer, whichever is greater, will be applied. See your Card Agreement or contact UFirst lending team at 518-324-5700 option 2 for additional details. Rates and terms are subject to change at any time. Federally Insured by NCUA.}

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.

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!!

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

Keep watching for the 2019 schedule!