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eServices Frequently Asked Questions (FAQ)

All services are available once you are enrolled in Online Banking.

Online Banking Features:

Bank to Bank Transfers

Members can add up to five (5) external institutions to transfer funds in or out of. Members can transfer funds to or from another financial institution for FREE. Service is subject to Credit Union approval.

Free eStatements

View and print up to thirteen (13) months of statements and six (6) months of check images online!

Free Bill Pay

Pay your bills online! Designate a one time or reoccurring payment and send funds securely to family or friends.

Free Mobile Banking*

Pay your bills, deposit checks, transfer funds, send funds to family and friends, check account balances, view your transaction history and more! Standard text messaging rates apply.

Online Banking Log In:

Enter your Online Banking ID and Password directly on our website’s homepage, www.westerlyccu.com.

Temporary Online Banking ID: WCCUxxxxxx
(WCCU, then your 6-digit Member Number. New ID’s must fall between 8-15 characters.)

Temporary Password: WCCUxxxx$
(WCCU, then the last 4 digits of the Primary Account Owner’s Social Security Number followed by $. New Passwords must fall between 8-15 characters with at least 1 number, 1 letter, and 1 special character.)

You will be asked to “Agree” and “Accept” an Online Agreement.

You will be asked to select and answer three Security Questions that you may be prompted to answer during the use of Online Banking. Click “Submit” and “Confirm.” Note: your answers are case-sensitive.

Lastly, you will be asked to enter your e-mail address and to set-up a Password Reset Question and Answer. This will be helpful in the event you forget your Password.


Online Banking FAQ’s

Which accounts can I access with Online Banking?

You can view any WCCU checking, savings, CD’s, loan or mortgage account on which you are the primary account holder. You can transfer to or from your WCCU checking or savings accounts. You can also transfer payments from these accounts to your WCCU loan or mortgage accounts. Using Bank to Bank Transfers, you can move funds between WCCU and other financial institutions.

What happens if I forgot or need to change my ID, Password or e-mail address?

Click the Profile Settings tab in Online Banking to change your e-mail and log in information. If you forgot your ID or Password, please call member service at 401.596.7000.

How do I enroll for Bank to Bank Transfers?

Click on the Other Options tab inside your Online Banking to submit a Bank to Bank Transfer service application. If approved, you can initiate up to 3 transfers totaling $1,000 per day in or out of the Credit Union.


eStatement FAQ’s

Will I still receive my statement via Mail?

No, an eStatement will replace your paper statement.

Will I be notified when my eStatement is available?

Yes, you will receive an e-mail at the address you specify to notify you when your eStatement is available.

Can I cancel my eStatement and return to receiving paper statements?

Yes, at any time. This can be done through the Online Banking Other Options tab or by calling us at 401.596.7000.

How much history can I view through eStatements?

You can view up to thirteen (13) months of statements and six (6) months of check images through the eDocument Center.


Bill Pay FAQ’s

When and how are payments processed? 

Payments submitted before 3:00 PM EST on business days will be processed same day. Payments submitted after 3:00 PM EST will be processed on the following business day. All payments scheduled to process on a weekend or holiday will process on the business day before the weekend or holiday date.

How far in advance should I set up a payment to ensure it is paid on time?

For an Electronic payment, allow three to four (3-4) business days from when the payment is submitted. For a Check, we guarantee that the check will be in the mail on the same day the payment is submitted, if it is entered before 3:00 PM EST. Allow 5-7 business days for check payment to be received.

Who can I pay through Bill Payment?

Anyone in the United States.

How do I know if it is Electronic or Check?

Upon setup of a new Payee you will be informed if the payments will process electronically or via check. Once you complete the payee setup, ‘Electronic’ or ‘Check’ will be listed under the Payee each time you make a payment. Whether the payment is processed electronically or via check is determined solely by the receiving Payee. When adding a Payee for the first time, we recommend you enter the Payee information listed on a recent bill or statement for best results. Please contact the Payee directly to inquire on their payment receiving capabilities.

What payment frequencies are available?

One time or reoccurring payments may be set up. Payments may be scheduled for a future date or sent immediately if submitted before 3:00 PM EST.

When will the money be taken out of my account?

For an Electronic payment, funds are debited the same day that the payment is sent (if sent by 3:00 PM EST). Electronic payments submitted after 3:00 PM EST are debited the next day. Check payment funds are debited from the account when the check clears your account at WCCU.

What if I do not have enough money in my account?

Bill payments will process if you have sufficient available funds in your account or if you have sufficient overdraft protection to cover the payment. If neither are available, the payment will not be processed. The payment status will state the payment could not be sent due to insufficient funds. You will be notified within your WCCU Bill Pay and via email.


Mobile Banking* FAQ’s

What type of mobile devices can be used to access accounts?

Mobile Banking works with any web-enabled mobile phone device whose network allows secure SSL traffic.

What functions can I perform from my mobile device?

View Transaction History, Check Account Balances, Transfer Funds between WCCU Accounts or to other Financial Institutions, Pay Bills, Send Funds to Family and Friends, Activate and Manage your ATM/Debit MasterCard®, Deposit Checks (subject to Credit Union approval), and more!

How do I know if my transfer or bill payment was entered successfully?

Each time you make a transfer or bill payment, a confirmation message will appear on your mobile device and a SMS Text Message will be sent if you are enrolled to receive text message alerts. If you do not receive a confirmation message, double check to make sure the transaction went through. To enroll in text message alerts*, login to Online Banking through a computer, and navigate to the Mobile Banking tab to update your preferences. 

What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, edit your Mobile Banking settings and make any changes to the Wireless Provider and/or Phone Number.

What do I need to do if I get a new phone?

If you are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your Online Banking account via the Internet and update your information on the Mobile Banking page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is incorrect.

Can I use any mobile device to access my accounts?

Yes. SMS Text messages will be sent to the device entered when enrolling for mobile banking, not any device from which you perform a transaction. If you have an Apple iPhone® or iPad® you may download our WCCU iPhone® and/or iPad® App for free in the Apple iTunes® Store. If you have an Android™ phone you may download our WCCU Android™ App for free from Google Play™.


Remote Deposit* FAQ's

What is Remote Deposit?

Remote Deposit allows you to deposit checks to your WCCU accounts using your iPhone®, Android™ or iPad®.

What do I need in order to use Remote Deposit?

You will need to be enrolled in both Online and Mobile Banking. You will need an iPhone®, Android™ or iPad® with a rear-facing camera.

Who is eligible to use Remote Deposit?

Members with accounts in good standing will qualify for the service. Service subject to credit union approval.

How do I request to enroll in Remote Deposit?

First, be sure you are enrolled in WCCU's Free Online Banking and Mobile Banking. Then, after logging into your WCCU Online Banking through a computer, choose the Remote Deposit tab and complete the Remote Deposit enrollment form. You will then receive a confirmation email within twenty four (24) business hours. Service is subject to Credit Union approval.

May I enroll more than one account for Remote Deposit?

Yes, you may enroll up to five (5) WCCU accounts for the Remote Deposit service.

Do I need to use a deposit slip to make a deposit through Remote Deposit?

No, deposit slips are not needed for this service.

Should I endorse my check before taking a picture?

Yes, all check payees need to sign the back of the check before taking a picture.

What types of checks can I deposit through Remote Deposit?

Domestic checks payable to the owner(s) of the accounts are acceptable. Foreign checks, IRDs (Image Replacement Documents) and Travelers checks are not acceptable.

When will funds be made available to me from deposits made by Remote Deposit?

The first $200 of each deposit will be made available immediately, while the remaining funds will be released two (2) business days later.

What are the limits for deposits made through Remote Deposit?

Personal accounts have a daily limit of three (3) checks totaling $1,500; and a monthly limit of fifteen (15) checks totaling $10,000. Business accounts have a daily limit of six (6) checks totaling $3,000; and a monthly limit of thirty (30) checks totaling $20,000. Limits are subject to change at Credit Union discretion.

What do I do with the check after I deposit it through Remote Deposit?

Checks should be held in a secure place for sixty (60) days before properly being disposed.

What is the cost using Remote Deposit?

Remote Deposit is a FREE* service offered by WCCU.


Chip-Enabled Card FAQ's

How do I use my chip-enabled card?

Step 1: Insert your card "chip first" into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout the transaction. Step 2: Follow the prompts on the terminal and wait for the transactions to be processed. Your may be required to enter your PIN or sign to complete the transaction. Step 3: Remove your card after the transaction is completed and you are prompted to do so by the payment terminal.

What if a merchant doesn't have a chip-enabled terminal? Will my card work?

Yes. Just swipe your card’s magnetic stripe, like you would with your old card. Online purchases still work the same way they did with your old card.

When do I swipe? When do I insert?

When in doubt, swipe your card. If the terminal is chip-enabled, it will recognize that your card has a chip and prompt you to insert it instead.

What is different about my new card?

Your new card features an embedded chip that improves security every time you make a purchase at a chip-enabled terminal. The chip technology creates a unique code for each transaction that is difficult to duplicate, reducing the risk of fraudulent charges on your account.

Does my chip card work at the ATM?

Yes. You can still use your card to get cash, check your balance and more.

Where can I use my chip card?

Use your chip card at the exact same merchants you do now by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also use your card as you did before for online payments, telephone payments, and at ATMs.

Do you still have a question?

Don't hesitate to email us at eServices@westerlyccu.com or contact us today!

*Standard messaging, airtime, and data charges may apply. Availability subject to carrier limitations and phone capabilities.

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