Mainline Instructions

Operating Instructions for Mainline

**If you are a new Mainline user the system will prompt you for an access code. For the initial call you will create your personal access code (this will be a four digit number of your choice). You will then be prompted to confirm the code with the Primary Account holder’s Social Security Number. The code you have created will be your personal access code to enter into Mainline for all future calls. Please make sure you remember this code and that you do not share it with others.
Step #1- Call 859-264-4899 or-1-800-234-UKCU (8528)
Step #2- After the greeting, enter your account number, followed by the pound (#) sign
Step #3- Enter you personal access code followed by the pound (#) sign
Now you are ready to conduct your credit union business quickly and conveniently!

Tips to Remember:

* Make sure your phone is touchtone. If you experience problems, please try another phone.
* Enter your account number, then press #
* Press the pound (#) key after each entry (if required)
* Dollar amounts are entered without decimals, such as: $10.25 would be entered as 1025#
* Calls are limited to 10 minutes per call; however , you are welcome to call as often as needed
* Minimum check share withdrawal of $10.00
* You need to know your share or loan ID number to conduct certain transactions. To find out your share ID’s:
For a listing of open shares press 1 then 4.
For a listing of open loans press 1 then 5.
* If you switch to expert mode, please scroll down this page for the proper instructions.

Basic ID’s

00-Regular Savings
01-Vacation Club
03-Christmas Club
04-Senior Account
77-Money Market
80-Checking
0-9- Loans

Beginner vs. Expert Mode

“Beginner Mode” takes you through each step of your transaction. Once you are comfortable with conducting business through the Mainline, you may switch to “Expert Mode” for faster service.
To change mode, go to the “Additional Option Menu” (Press 7), go to the “Change Preferences Option” (Press 2) and select “Change to Expert Mode” (Press 2).
Please feel free to call 859-264-4200 or 1-800-234-8528 during regular business hours (M-F 9:00am-6:00pm, Sat 9:00am-1:00pm EST), or send an e-mail to contact@ukfcu.org if you need further assistance.

Menu Mode

Main Menu
• Balance Inquiries……………………..1
• History Inquiries……………………………..2
• Transfer……………………………….3
• Checking Information…………………4
• Loan Information……………………..5
• Withdrawals…………………………..6
• Additional Options……………………7
• To speak with an operator…………….0
• To end call…………………………….*
Balance Inquiry (Press 1, then…)
• Savings……………………………….1
• Checking……………………………..2
• Loan………………………………….3
• List of open Shares…………………..4
• List of open Loans……………………5
History Inquiry (Press 2, then…)
• Last Payroll deposit………………….1
• Last deposit………………………….2
• Share history…………………………3
• Loan history…………………………4
• Deposit history………………………5
Recent transaction history……………6
• Check history…………….1
• ATM history……………..2
• ACH history………………3
• Payroll history……………4
• Loan Payment history……5
Transfers (Press 3, then…)
• Savings to Checking…………………1
• Checking to Savings…………………2
• Share to Share………………………..3
• Loan to Savings………………………4
• Loan to Checking……………………5
• Savings to Loan………………………6
• Checking to Loan……………………7
Checking Information (Press 4, then…)
• Balance……………………………….1
• Check Number Inquiry……….………2
• History…………………………….…3
• Check Copy Request…………………4
• Check Stop Payment…………………5
• Check Reorder*…………………..…6
*Repeats last order. Changes may not be made through audio. Visit office or send in reorder form with changes.
Loan Information (Press 5, then…)
• Balance………………………………1
• List of Open Loans………………….2
• Payment Inquiry…………………….3
• Payment History…………………….4
• Payoff Amount………………………5
Withdrawals by Check (Press 6, then…)
• Savings Withdrawal…………………1
• Loan Advance…………………….…2
Additional Options (Press 7, then…)
Year to Date Information………………………………….1
• IRA Contribution……………………1
• Dividend Information……………….2
• Interest Information…………………3
Change Preference…………………………………….…2
• Change Access Cod…………………1
• Change to Expert Mode……………..2
• Change home fax number……………3
• Change business fax number………..4
• Change Language……………………5
Change to another account………………………..…….3
Fax Menu……………………………………………………4
• Account Summary…………………..1
• Account Statement…………………..2
At the end of every menu you may hit:
0……to speak with an Operator
*……to end the call
#……..to return to the previous menu

Expert Mode

Step #1: Dial 859-257-UKCU or 1-800-234-UKCU
Step #2: Enter account number followed by #
Step #3: Enter access code followed by #
Step #4: Enter service code followed by #
General Service Codes
• Open Saving…………………15
• Open Loan……………………16
• Loan Payment………………..17
• Dividend Information………..24
• Interest Information……………25
• Last Payroll………………….26
• Last Deposit…………………27
• Last ATM……………………29
• Last ACH……………………30
History* (i.e. checking history: 22# then 80#)
• Shares (includes Checking)….22
• Loan………………………….23
• Deposit…………………….…28
Balance* (i.e. Senior: 12# then 04#)
• Savings………………………12
• Checking……………………..13
• Loan………………………….14
• Account………………………18
Transfer Service Codes*
• Savings to Checking………….31
• Checking to Savings………….32
• Share to Share…………………33
• Loan to Checking…………….34
• Checking to Loan…………….35
• Share to Loan…………………36
• Loan to Savings………………37
• Loan to Account……………..38
• Account to Loan………………39
Checking Information
• Specific Check Inquiry……….42
• Stop Payment…………………43
• Order copy of check………….44
• Reorder checks……………….45
Repeats last order. Changes may not be made through audio. Visit office or send in reorder form with changes.
Withdrawals by Check
• From Savings…………………61
• From Loan……………………62
• From Account…………………63
Other Transactions
• Fax Statement…………………50
• Fax Summary…………………51
• Change access code…………..55
• Change to Beginner…………..56
• Change languages…………….60
• Change accounts……………..70
• General Information…………80
• Help………………………….98
• Transfer to Operator…………90
• End Call………………………99

*Basic ID’s

00-Regular Savings
01-Vacaiton Club
03-Christmas Club
04-Senior Account
77-Money Market
80-Checking
0-9-Loans

Mainline Agreement and Disclosure

I understand that the use of my access code will acknowledge acceptance of the following terms and conditions:
1. I will not disclose my personal access code to anyone not authorized to sign on the account.
2. It is my understanding that my control number may be used for transfers between my accounts, information regarding my accounts
and for such other transactions as may become available, of which this agreement is made a pert by reference.
3. If I default in my accounts I owe under this Agreement, I agree to pay and all attorney fees and collection costs incurred by the Credit Union.
4. I waive all present or future claims against the Credit Union and release the Credit Union from all responsibility for loss of damage not caused by the Credit Union’s negligence which I might incur through unauthorized transactions of any kind from my account(s) through the custody and use of the access number.
5. I understand the Credit Union reserves the right to discontinue access to MAINLINE without notice and will not be liable for failure to honor any MAINLINE transactions.
6. The total dollar amount of transactions via MAINLINE are subject to limits set by the Credit Union, and sufficient verified funds must be available to satisfy my transaction instructions.
7. Amendments to this Agreement may be provided to me, in accordance with applicable laws, without restatement of the terms, conditions and requirements as the Credit Union may establish from time to time.

Electronic Fund Transfers Disclosure

• There is no charge to you for this service. The Credit Union reserves the right to impose service charges at a future date after giving you notice of such service charges.
• Information concerning your share or loan account will be given to third parties only: a) in order to comply with the order of a government agency or court, b) if you give us your written permission, or c) where it is necessary to complete the automatic transfer to your account.
• You will receive a statement of your account at least once every quarter. Share Draft (Checking) statements are mailed monthly.
• If we do not complete a transfer to your account in time or for the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, a) if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken, b) if the part sending us the deposit either fails to generate the deposit or fails to generate the correct amount on time, or c) if, through no fault of ours, you do not have enough money in your account to make the transfer. There may be other exceptions stated in our agreement with you.
In case of errors or questions about your electronic transfer, telephone us at 859-264-4200, e-mail us at contact@ukfcu.org, or write us at 2557 Sir Barton Way, Lexington, KY 40509 as soon as you can if you think your statement is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared.
• Tell us your name and account number
• Describe the error or the transfer you are unsure about, and explain why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
If you tell us orally, we may require you to send us your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes to complete our investigation. If we ask you to put your complaint in writing and we do not receive it in 10 business days, we may not credit your account.
If we decide that there is no error, we will send you a written explanation within 3 business days, after we finish our investigation. You may ask for copies of the documents we used in our investigation.