FAQ

During the Online Banking registration process your identity is authenticated by verifying the information you have entered against the information we have on file, just follow these simple steps:

Step 1. Click Register

Step 2. Review and agree to the Terms & Conditions.

Step 3. Enter your name, email, social security number, account number and account type. Click Submit.

Step 4. Complete the security verification step by receiving a phone call or text.

Step 5. Enter a Username, Password and re-enter your Password for confirmation.

Your password is your confidential code for accessing your account information and it should not be shared with anyone. The password you create must be between 10 and 100 characters and contain at least one number and one letter. You should make your password as random as possible. One easy way to create a secure password is by beginning with the first letters of a song or phrase. For example, use the first letters of "I Love Paris in the Springtime" and then intersperse the numbers of your area code and a special character: ilp703its!

Note: Your Online Banking password ensures that only you can access your confidential information. Please remember this password and keep it secure.

Secure Login

To begin using Online Banking, enter the Username and Password associated with your account on the Secure Login page. These credentials were selected while completing the Online Banking enrollment process.

If you are not enrolled in Online Banking, you’ll need to select Register to get started.

Note: Your Online Banking Password ensures that only you can access your confidential information. Please remember your password and keep it secure.

For your security, WECU will automatically end your session if there has been no activity for 20 minutes. You will receive a time-out warning pop-up message 2 minutes before the session is automatically ended. You have the opportunity to click "Ok" upon receiving the message to proceed with your Online Banking activity. Clicking "Ok" refreshes the system for another 20-minute cycle. The Online Banking is designed this way to provide you with maximum security in case you forget to log out.

Forgot Password

If you've forgotten your password, the 'Forgot Password' feature will allow you to Sign In and change your password.

Step 1: Enter the requested personal authentication information. Click 'Submit'.

Step 2: Enter and confirm your new password. Click 'Submit Password'.

Once your password has been changed, you will receive immediate access to your online accounts.

Log In Problems

Click for Sign In Problems FAQs.

Supported Browsers

Click here for a list of supported browsers.

Deposits

This section provides you with a summary of all your deposit accounts at WECU. Click on an individual account description to view detailed account activities including deposits, withdrawals and transfers.

Loans

This section provides you with a summary of all your loan accounts at WECU. Click on an individual account description to view detailed account activities including transactions, payments, and transfers.

Account Activity

Account Activity shows the last 60 days of transactions for this account by default. It allows you to search account transactions by date range (all dates, last 30 days, last 60 days, last 90 days, last 120 days, or custom date range), type of transaction, description (payee name, or enter 'deposit' to search for deposits), check number (for checking, money market and lines of credit accounts), and amount. If the transaction you would like to see is not on this list, select an alternate date range and then click "Search" to view more history.

Asking WECU about a transaction

If you have a question about a particular transaction, simply click on the transaction, then select "Inquiry" at the bottom right. The information about the transaction will be populated into a secure message. You can add additional information or questions and send your inquiry directly to WECU.

View Check

By clicking on this link in a transaction description, where available, a new window will open and the check image associated with this transaction will appear.

Account Details

This section provides you with additional account details, which could include:

· Account Nickname

· Account Name

· Account Number

· Interest Rate

· Date Opened

· Year to Date Interest

· Last Deposit Date

· Last Deposit

· Account Balance

The Account Details section also has an 'Edit Nickname' link that allows you to change your account Nickname. A nickname is a customized or abbreviated name that you choose to make it easier for you to remember the account and its purpose. For example, you could designate one Savings account as "Vacation Fund" and another as "College Fund", or you could designate one account as "Primary Checking" and another as "Special Checking".

Request a Stop Payment

This section allows you to request a stop payment on a check or a range of checks. To view all previous stop payment requests submitted inside of Online Banking, select "View Stop Payment History". To initiate a request to place a stop payment:

Step 1. Select Stop Payment Account

Step 2. Select the button for either Single Check or Range of Checks

Step 3. Enter the Check Number, or starting and ending Check Numbers

Step 4. Enter the Check Amount and select a Reason (optional)

Step 5. Click "Submit". You will then see a verification screen with a confirmation number.

Make a Transfer

This section allows you to transfer money between your accounts at WECU or to your accounts at other banks. You can either transfer funds immediately or schedule a future-dated transfer. You can also schedule a recurring transfer.

To transfer funds immediately:

Step 1. Choose the “From” and “To” accounts.

Step 2. Input the amount that you wish to transfer.

Step 3. In “Scheduling Option” select “Immediate”.

Step 4. Enter a description (optional).

Step 5. Click “Confirm”. You will see a verification screen showing you information about the transfer that was successful.

Note: “From” and “To” accounts cannot be the same. If you have insufficient funds in your “From” account, you will not be able to complete your transfer.

To set up a future-dated or recurring transfer:

Step 1. Choose the “From” and “To” accounts.

Step 2. Input the amount that you wish to transfer.

Step 3. In “Scheduling Option” select “Future-Dated (One-Time)” or “Recurring”.

Step 4. Enter a start date using the calendar control.

Step 5. For recurring transfers only, select the Transfer Frequency to determine how often the transfer will take place.

Step 6. For recurring transfers only, you can also choose whether the transfer should be programmed to end on a specific date, after a set number of transfers, or it can be set to continue indefinitely.

Step 7. Select "Next".

Step 8. Enter a description (optional).

Step 9. If you are satisfied with your transfer, click “Confirm”. To change the details, click “Previous”. To cancel, click “Cancel”.

Note: “From” and “To” accounts cannot be the same. If you have insufficient funds in your “From” account, you will not be able to complete your transfer.

Scheduled Transfers

Scheduled transfers shows you which recurring transfers, setup inside of Online Banking, are scheduled to be executed.

Transfer History

Transfer History shows you all of the transfers that have been completed to date within Online Banking.

Add WECU Accounts of Friends & Family

Adding an account allows you to transfer funds to other WECU Members. After you provide the information requested, the account will be added to your list of destination accounts on the Transfer Money page.

Manage My Accounts at Other Banks

Add External Accounts

Transferring funds between your WECU accounts and other financial institutions is convenient, quick and easy. To get started, select Add External Account from within the My Accounts module. Select Link a New Institution and search for the institution with your external account. Follow the prompts to enter your credentials and select which accounts to link. Once complete, navigate to Move Money > Transfer Money. You’ll now be able to transfer To or From your external account.

Edit External Accounts

To edit an external account nickname, select the account from the My Accounts module. In the Account Details section of the account, select Edit Nickname.

Update External Accounts

To update an external account that you already have linked, navigate to Move Money > Transfer Money. From the Manage External Accounts module, select the account needing to be updated. You can remove the account or add more accounts from the same financial institution by following the prompts. If a linked account appears with a “Reconnect” button, the account will need to be re-linked with Plaid. Follow the steps from the Reconnect prompt to complete this.

Profile Updates

This page allows you to change your personal contact or security information.

Change Password

Change Email

Entering your email address allows WECU to contact you with important information about your Online Banking account. It is important that you keep your email address up to date. Your email address is only used for credit union-related purposes.

Text Banking

Text Banking supports the following commands:

· BAL – The bal command returns the balance on your primary checking or savings account. When you create short nicknames for text banking, you can use the short nicknames with the balance command to find the balance of any account such as bal <nickname>. For example, if you gave a nickname to your checking account as chk, you could text bal chk to get the balance information. Texting the command bal all will return the available balance of all your accounts.

· TRANS – The trans command is used to make a transfer. Simply text trans <from account> <to account> <amount>.

· HIST – The hist command returns the history with last 5 transactions of your primary account. The short nicknames can be applied to the command as hist <nickname>. For example, if you gave a nickname of chk to your checking account, you could use hist chk.

· MORE - The more command is used with the hist command. When you request the history of an account by texting hist, it returns with the last 5 transactions. To get the next 5 transactions, simply text more. Texting more again will return the next 5 transactions and so on until there are no additional transactions available on your account.

· NICK – The nick command returns a list of all your account nicknames.

· HELP – The help command returns a list of all commands.

· STOP – The stop command will unsubscribe the phone from Text Banking.

Note: The commands are not case sensitive. Texting uses your wireless phone's texting capabilities. Standard text messaging rates may apply. Check with your mobile service provider for fees and charges.

What is Text Banking?

WECU Text Banking is an easy, fast and secure way of banking using the texting capabilities of your mobile phone. With Text Banking, you can review your account balances and transactions on the go, just by texting.

What do I need to do to get started with Text Banking?

You will need to enroll in Text Banking via either Online or Mobile Banking. To enroll, click on your Profile icon and select Text Banking. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply.

Is the mobile Text Banking free?

Text Banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your mobile wireless carrier for messaging and data rates.

What are the commands for Text Banking?

The commands for Text Banking are: bal, trans, hist, more, nick, help and stop. The details of each command are available in the Help content above.

Do I need to create short nicknames to use with Text Banking?

It is helpful to create short nicknames to use with Text Banking. This allows you to request the balance of a specific account rather than all balances.

Do I have to text the commands in all CAPS?

No, the commands are not case sensitive. You can text BAL, Bal, or bal which would all mean the balance command.

Is Text Banking secure?

We do not transfer any account numbers, password or sensitive information. The phone is assumed to be secure with the owner and it is the owner's responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted.

How can I remove a phone from Text Banking?

You can remove a phone from Text Banking by two methods:

a) Texting stop will remove the phone from Text Banking, or

b) From Online or Mobile Banking, click on your Profile icon and select Text Banking and delete the phone number you wish to remove from Text Banking.

Note: you will need to enroll the phone number again the next time you want to use that phone for Text Banking.

Messages

To send a new message to WECU

1. Click the "Message Us" link in the upper-right corner of the title bar. A new screen will display.

2. Select the category that is most applicable to your message content.

3. If your message is related to a specific account, select your account from the drop-down list.

4. Enter Subject and Message.

5. You can choose to be notified by email that a response to your message is waiting in Online Banking.

6. Click "Send" to send your message.

To reply to a message

1. Click the message. A new screen will display.

2. Click "Reply".

3. Enter Message.

4. You can choose to be notified by email that a response to your message is waiting in Online Banking.

5. Click "Send" to send your message.

To delete a message

· Click the trash can icon in the far-right column next to the desired message.

Download Transactions

To download transactions into an excel file

1. Click the account you would like to download transactions from.

2. Select your date range (up to a rolling 18 months).

3. Select the type of transaction you would like to download.

4. Click "Search".

5. Below the "Search" you will see: "Download" option.

6. For a .csv file, click "Spreadsheet".

To download transactions into a file for Quicken or Quickbooks

1. Click the account you would like to download transactions from.

2. Select Download > Download for Quicken/Quickbooks.

3. Select the account you would like to download transactions from.

4. Select your date range (up to a rolling 18 months).

5. Click "Download for Quicken" for a .qfx file or "Download for QuickBooks" for a .qbo file.