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CellFunds is a secure and powerful mobile banking platform where you can enjoy security, convenience and complete control of your money within seconds - all through your mobile phone! Use it with any mobile phone with texting capability.

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Manage Your Account

Request a Card

Register Your "Valued Customer" Named Card


Activate Your Card With Your Name Displayed


Existing Accounts Login

Deposit at Credit Union Service Centers

Share Money via Your Cell Phone!

Share money in seconds by sending it to friends and family from the comfort of anywhere via your cell phone with a USA issued cell phone number 24 hours a day. It's the
WorldWide CellFunds
Account with WorldWide CellFunds Prepaid MasterCard! Read More >

Our Low Cost Fees


Fee Description Fee Amount
Monthly Service Fee $1.95 per card per month beginning after activation
Money Move Card to Card (Online/VRU) $2.00 per money move
Money Move Card to Bank $2.00 per money move
ATM Withdrawal - Domestic $1.50 per withdrawal
ATM Balance Inquiry - Domestic $1.00 per inquiry
ATM Decline/Insufficient Funds - Domestic $0.75 per attempt
ATM Withdrawal - International $3.00 per withdrawal
ATM Balance Inquiry - International $1.00 per inquiry
ATM Decline/Insufficient Funds - International $0.75 per attempt
POS PIN Transaction - Domestic FREE
POS Signature Transaction - Domestic   FREE
POS Decline/Insufficient Funds - Domestic $0.50 per attempt
POS PIN Transaction - Domestic FREE
POS Signature Transaction - International FREE
POS Decline/Insufficient Funds - International $0.50 per attempt
Cash Withdrawal from a Bank $4.00 per withdrawal
Bill Payment $2.00 per bill payment
Check Printing Fee (Refunds) $14.95 per check
TransCheck Fee $2.00 per check
Paper Statement $3.50 per paper statement (FREE for electronic statements available online)
Inactivity Fee $4.95 per month starting in month 7 of no activity after activation
Secondary Card Order Fee $5.95 per card (Requires user CIP. Only two cards per name/user)
Card Replacement $10.00 per card
Replacement Card Express Service $25.00 per card
*Above fees billed by University National Bank
Deposit to Card at MoneyGram® $5.95 up to $1,000
*Above fees billed by MoneyGram
Initial Load Fee $5.50 for first deposit to card, receiving third money share or a card balance of $25.00
Deposit to Card at Financial Institutions ** $3.75 up to $2,995 per day
Money Share to cell phone number via Text Message*** $0.50 transfer money under $20 $1.00 transfer money $20 and higher
Balance Inquiry (via Text Message) FREE
*Above fees billed by WorldWide Mobile Systems