We understand that having access to your funds is important. We also understand how frustrating it can be to have a transaction declined, especially if you don’t know why it happened.

The following is a list of the more common reasons why your transaction could be declined. We hope you find it helpful — please feel free to contact us with any questions.

·         Potential fraud has been detected

·         The card limit has been exceeded

·         The ATM withdrawal limit has been exceeded

·         The debit (Point-of-Sale) limit has been exceeded

·         Non-sufficient funds in the account

·         The credit card payment is 30 days past due

·         The card data (number, zip code, expiration date) was entered incorrectly

·         The card has not been activated

·         The merchant’s card reader is malfunctioning

·         The specific location or merchant has been restricted by WSECU to mitigate potential loss

This is just a partial list. If you have a transaction that has been declined, please contact us as soon as possible so we can help resolve the matter. You can reach us by calling 800.562.0999 or through a secure e-mail. If you are a Mobile Banking user, you can also send a secure e-mail through your mobile device.