Online Banking Log In

800.992.2226|Routing #: 211179607

Mobile Banking

Mobile Check Deposit
Check Account Activity
Free Bill Pay

Bank at Your Convenience
Mobile Check Deposit
Mobile Wallet
Fraud Protection
Person-to-Person Payments (P2P)
Mobile Banking FAQs

Anchor: convenience

Bank at your convenience.

Access your accounts 24/7 through your smartphone or tablet.

First, register for Online Banking. Click here to get started.
Next, download the WCTFCU Mobile App from the App Store or Google Play.
Log into the Mobile App using your Online Banking credentials
If you have any questions, please call us at 800.992.2226

WCTFCU Mobile App

Enroll in Online Banking Enroll in Online Banking

Take advantage of these convenient Mobile Banking App features:

Deposit a check to your WCTFCU account with your smartphone
Improve your credit score with our Credit Goal Tool in SavvyMoney
Free access to your Credit Report and Credit Score with SavvyMoney
Transfer money between your WCTFCU accounts and externally to your accounts at another financial institution
Set up Account Alerts to keep track of your money and stay alert to fraud
Apply for a Credit Union loan
Pay Bills electronically (set up first through online banking)
Create a budget to keep your finances on track
Create a personalized savings goal
Send a secure message to the Member Service Department

Anchor: check

Mobile Check Deposit

Enjoy the convenience of 24/7 mobile check deposit from your Smartphone. It's easy!

Open our Mobile App* and select Mobile Deposit.
Endorse your check as directed.
Snap a photo of the front & back, then follow the prompts to deposit.

*In order to use our App, you must first have enrolled in Online Banking.
Funds deposited should be available within two (2) business days (Monday-Friday, excluding holidays).
Longer hold times may apply.

Can a Member deposit any type of check?

No. Not all checks/items are eligible to be deposited through mobile check deposit. Per the user agreement, the following items are not eligible for deposit:

Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
Checks payable jointly, unless deposited into an account in the name of all payees.
Checks previously converted to a substitute check, as defined in Federal Reserve Board Regulation CC.
Checks drawn on a financial institution located outside the United States. • Checks that are remotely created checks, as defined in Federal Reserve Board Regulation CC.
Checks not payable in United States currency.
Checks dated more than 6 months prior to the date of deposit.
Checks or items prohibited by WCTFCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your WCTFCU account.
Checks payable on sight or payable through Drafts, as defined in Federal Reserve Board Regulation CC. Checks with any endorsement on the back other than that specified in this agreement.
Checks that have previously been submitted through the Service or through an electronic deposit delivery system offered at any other financial institution and/ or WCTFCU. (E.g. Mobile, Branch, ATM, Consumer, Merchant and automated clearing house (ACH) check conversions.
Checks over $10,000 cannot be deposited with mobile check deposit.
Checks that are drawn from any of your WCTFCU account(s), written to yourself, and authorized by yourself for deposit to your own account.
If an item is dishonored, you will receive an image of the original check or a substitute check as the chargeback item.

Must the check be made payable to the account holder?

Yes. The check must be made payable to the account holder or joint account holder.

Must the check be endorsed?

Yes. The check must be endorsed to include both of the following on the back of the check:

"For mobile deposit only”
Signature of the payee listed on the check.

Is the Member required to capture an image of the front and back of the check, or just the front?

A clear image of both the front and back of the check must be taken and submitted. It is recommended that you keep the original check for a minimum of 2 statement cycles.

Will the system reject an unclear image?

Yes. The Member will then have the option to take the picture again.

What account types can the deposit be made into?

Checking, Savings, or Money Market.

How will the Member know that their deposit has been successfully submitted?

The Member will receive a confirmation message upon successful transmission. All deposits are subject to review. The Member can also view the history of all of their deposits by selecting the “Activity” option on the “Deposit Check” page of the mobile App.

Are funds immediately available after the item has been accepted?

No.

How long after a mobile deposit is completed are the funds available?

Funds should be available within two (2) business days (Monday-Friday, excluding holidays); however, extended holds may be placed on items at the sole discretion of WCTFCU.

How will the Member know when the funds have been deposited into their account and available for use?

The Member can see all of their transaction history 24/7 through online/mobile banking. They will not receive a specific notification when the deposit has been made and the funds are available.

Can a Member deposit a check to an account that is in a name other than their own?

Yes. If a Member is linked to another account for deposit purposes, they will be able to deposit a check into that linked account, but the check must be made payable to the owner or join owner of the account to which the check is being deposited.

What is Mobile Check Deposit?

Mobile Check Deposit enables a Member to deposit a paper check into their WCTFCU account, via the WCTFCU App for smartphone and tablet. The WCTFCU App directs the user to capture the image of the front and back of the check (uses camera on device), thereby making a digital photograph of the check. The App deposits this digital check into the Member’s WCTFCU account.

How can I get the Mobile Deposit service?

Once a Member signs up for online banking, you can download the WCTFCU App to a camera-enabled Apple iOS/Android smartphone and tablet device. Mobile check deposit is not available via a computer or non-Apple iOS/Android device.

Is mobile check deposit included in the WCTFCU mobile App or is there a separate App that must be used?

Yes, mobile check deposit is integrated into the WCTFCU App.

Do all Members qualify for the service?

Most Members will. There are eligibility requirements that must be met at the time that the Member submits their enrollment request and that must be maintained in order to qualify for the service. These requirements can change at the sole discretion of WCTFCU. Currently, the eligibility requirements are as follows:

Must have an eligible account type (Checking, Savings, MM).
All deposit accounts must have a positive balance.

Are there deposit limits and/or check holds for mobile check deposits?

In order to maintain prudent risk standards, limits and hold rules apply and are at the sole discretion of WCTFCU.

The current weekly dollar limit is $10,000.00 for qualified users.

The current monthly dollar limit is $20,000.00 per any 30 consecutive calendar day period for qualified users.

Daily and monthly deposit limits may vary for qualified users. Such limits will be reviewed and adjusted periodically at WCTFCU’s discretion or upon their request.

Is there a fee for the service?

No. Mobile Deposit is one of the many fee-free services available to our Members.

Anchor: wallet

Mobile Wallet

Make purchases with your WCTFCU Visa Debit and Credit Card and your smartphone's Digital Wallet App (Apple Pay, Google Pay, Samsung Pay*).

Simply add your WCTFCU cards to your Digital Wallet App for quick, convenient & secure in-person and in-App purchases.

Here's How:

Open or download your Digital Wallet App. Use the App to scan your card(s) or take a photo with your device's camera.
Follow the prompts to add & secure your WCTFCU Visa Credit Card & Visa Debit Card to your Wallet.
WCTFCU will securely verify your card(s) information.
To use - hold your phone (or Apple Watch) to the card terminal as indicated, and your payment will be processed!

Questions? Call us 800.992.2226

*Available on participating smartphone models, through most major carriers.

Anchor: fraud

Fraud Protection

These Mobile Apps enable you to set controls for card usage and spending by defining when, where and how your cards are used.

Safeguard yourself from fraud with customized alerts and the ability to set limits:

Turn your card ON and OFF anytime, right from your smartphone.
Set Alerts to notify you based on transaction amount, GPS location of card usage, merchant type, if a transaction has been denied, etc.*
Control & Monitor Family Spending: Set limits for spending. Decide when, where and how they use their card.

Planning to traveling out of state? Call the branch ahead of time so that we may note this on your account.

Protect your WCTFCU debit card from fraud with the CardValet App on the iphone or Android with Google Play.
Protect your credit card from fraud with Card Suite Lite App on the iphone or on an Android with Google Play.

Anchor: p2p

Person-to-Person Payments (P2P)

P2P enables WCTFCU Members to send money from their credit union checking account to another person's bank account using the WCTFCU App or online banking.

The recipient does not need to be a WCTFCU Member.

It's Free!
Unlike Venmo and most banks, we do not charge for this service.
It's Easy! What you will need:
You will need the recipient's mobile phone number, email address, or routing and account number.

The recipient needs to have an account with a financial institution with the financial institution's routing number & the number for their account into which they want to receive the funds.

Steps to Send a P2P in Mobile Banking:

Open the WCTFCU Mobile App
Select Bill Pay
Add a Payee, then select Personal
Follow the prompts

Steps to Send a P2P in Online Banking:

Follow the steps to sign-up for Bill Pay
Select Bill Pay
Select Pay a Person from the menu
Follow the prompts

Notification Your payment recipient will receive notification (email if you entered their email address, or text if you entered their mobile phone number) letting them know that you are sending them a payment.

P2P daily limit is $1,400 per transaction.

Anchor: faqs

Mobile Banking FAQs

How do I access WCTFCU Mobile Banking?

In order to access Mobile Banking, you first need to register as a new user for online banking through our website. Once that is complete, you can download the WCTFCU Mobile App from the Apple App store or Google Play. Use your online banking username and password to log in and access your accounts on the App.

Is there a fee to use WCTFCU Mobile Banking?

No. Mobile Banking is free of charge. However, check with your Mobile Phone Carrier for fees related to your internet and data plan subscription, as you would use this to access the App.

What Online Banking services does Mobile Banking include?

Account summaries and transaction history
Ability to make internal and external account transfers
Pay bills, view or cancel pending payments and review history
Remotely deposit checks
View your credit score
Apply for a loan

Which mobile devices are supported?

Currently Apple and Android devices are supported.

Is Mobile Banking secure?

Yes, our number one priority is the security of your information and finances. Mobile Banking offers the following security safeguards:

Authentication - Mobile browser and downloadable application users are authenticated for every interaction with any Mobile Banking component. Users are authenticated by account number and password.
Encryption -Encryption is used for all communications within Mobile Banking.

Is my personal or financial information stored on my phone?

Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within our online banking system.