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eBanking

Save yourself a trip and bank online!

Contact Us to Enroll Log In
  • Transfer money
  • Pay bills
  • Monitor account activity
Transfer money
Pay bills
Monitor account activity
eBanking Find a Branch or ATM Contact Us

Do it all online, anytime

We get it - you are busy! We know it can be hard to make it into a branch during regular hours. With eBanking, you don't have to. Choose when it's most convenient to take care of your personal or business banking—and stay on top of your financial health, whether that's before dawn, after dark or anytime in between.

Once you enroll in eBanking, you can then download our app for your iPhone®, iPad® or Android™ and take care of your banking tasks on the go.

Here's a quick sample of what you can do:
  • Open accounts and apply for loans
  • Pay bills and make loan payments 
  • Transfer funds between your WCCU accounts and accounts at other institutions
  • Access eStatements
  • Create and track savings goals
  • Set up alerts to get real-time notifications about account activity
  • Analyze your spending to see patterns or opportunities to save

Staying on top of your credit has never been easier
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education. You can do this ANYTIME and ANYWHERE and for FREE.

Benefits of Credit Score:
  • Access your credit score & report anytime
  • Real-time credit monitoring alerts when there are changes to your credit profile -- you can even dispute errors right within the tool.
  • Score simulator, a powerful tool that shows how these actions affect your credit, so you don’t have to guess anymore.
How to sign up:
Simply log in to eBanking and select “See My Credit Score” to enable access to your credit insights.

eBanking FAQs

  • If you are a member, you can call us at 401-596-7000 or come into one of our branches.
  • If you are a business member, you have to come into one of our branches. Please visit one of our locations and we will be happy to assist you.
If you do not remember your username, please click  "Forgot your username or password?" or contact us.
Only one user is allowed per membership.
You can download the WCCU eBanking app for your iPhone®, iPad®, or Android™ from these authorized app stores: Apple® App Store℠ and Google Play™.
On your eBanking dashboard, select the “Customize” toggle. Click on that toggle and it will bring up all available widgets. Select or deselect the widgets you desire, then select “Save”.
From your eBanking dashboard, click on the “Customize” toggle and set the “Savings Goal” widget to “On” and "Save". With the Savings Goal widget turned on, click the “Create a Savings Goal“ link and choose the Share Account (Savings Account) you would like to set your savings goal for. Then select the appropriate category in the “What are you saving for?” drop down and set the description, amount, target date, and click “Create Savings Goal” . 

This widget will now appear on your dashboard when you login from any device and you will also be able to quickly make a transfer to it. Please note, you can only create one goal per Savings Account.
Navigate to "More Links," illustrated by the three dots (...) in eBanking. Select "Alerts." Review the desired alerts and associated accounts, as well as the desired way to receive alerts. Click "Save Changes."

Please note there are security alerts that cannot be turned off for the safety and security of your information.
Navigate to the “More Links” menu, illustrated by three dots (…). Select “Travel Notice” then select the Debit or Credit Card you wish to place the travel notice on. Fill out your destination(s), start and end dates, the best contact phone number and email to reach you while away, and any notes you’d like us to know and click “Submit.” 
To ensure the safety and privacy of your account information, WCCU has provided the following security features in eBanking: Unique Activation Code, Authentication, Encryption, Fraud Detection, Auditability. WCCU does not return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address and will never ask for or include your user ID or password in any message that is sent. We recommend that you lock your mobile device with a passcode for additional security. Please refer to the mobile device's user manual for instructions.

Credit Score FAQs

Click “See My Credit Score” in eBanking to get started.
Yes! It’s also important to note that no credit card information is required to register.
No. Checking credit scores on Credit Score is a “soft inquiry” that does not affect your credit score.

Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.

Credit monitoring tools like Credit Score use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.

No scoring models are identical but are directionally the same. If your score goes up based on your credit activity in Credit Score, you might see an increase in the scores we pull for loan applications as well.

Yes! You can receive credit alerts, monthly notices, and general messages from Credit Score. 
That’s great that you’re staying on top of your financial health by monitoring your credit! Credit Score is built into the safety and security of our eBanking platforms. Credit Score doesn’t allow other third-party lenders to see any of your credit profile data like some other credit monitoring tools do to allow them to provide you with offers for their products. Instead, you’ll only see valuable products and services from Westerly Community Credit Union, so you know when you have a savings opportunity at your fingertips!
If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.
Visit our Frequently Asked Questions page for more information regarding our eBanking Features, Digital Wallet, Security and Tech Help.

 

Westerly Community Credit Union offers valuable banking solutions including checking accounts, savings accounts, mortgages, home equity loans, car loans, credit cards, personal loans and more. Bank online or visit one of our conveniently located branches in Westerly, Richmond, Wakefield, and Coventry, Rhode Island.

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See how much you could save just by refinancing and moving your loans to WCCU.
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I joined because they have a great staff that are willing to work with you when life hits you hard, especially when you’re a student.    
Sarah L. of Wood River Junction
I joined because I wanted all the perks of a big bank but with a small-town feel. Plus, it is my community and the best bank for me!    
Kelly R. of Richmond
I joined because my mom and dad use WCCU. They loved it so I joined, and I love it. They are so nice and helpful- great people at all the branches.    
 
Kevin P. of Charlestown

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