1. What do I need to access Mobile Banking?
You will need a web-enabled mobile device. Mobile Banking can either be accessed through your device’s browser or through our Mobile Banking application that can be downloaded to your mobile device.
2. What is the cost for Mobile Banking?
WSECU does not charge for using Mobile Banking; however, if you do not have a data plan included in your mobile device’s contract, you may be assessed data usage charges by your wireless service provider. We suggest contacting your provider for specific details.
3. Which mobile devices are supported?
We have specific applications for Android™ and iOS® devices. Our web-enabled site can support the majority of other popular devices. Visit wsecu.org to use our web enabled site or use the links to the app stores to see if your device is compatible.
4. Where can I download the app?
You have several options:
• Visit wsecu.org from your mobile device and you will be redirected to WSECU’s mobile banking site. Use the links on this page to access the app stores.
• If you have an Android™ or an iPhone®, you can visit your online app store.
5. What security measures are taken for Mobile Banking?
Mobile Banking™ communicates securely with WSECU’s server via our Online Financial Exchange (OFX) system. Your account information on your mobile device is protected the same way as it is for Online Banking: by multi-factor authentication through your user ID, password and device. Transactions conducted on your mobile device are protected by industry-standard 128-bit SSL encryption, which prevents any attempts to “eavesdrop” on your data. Additionally, our secure messaging (e-mail) program cannot be accessed outside WSECU’s server, making it immune to spamming, spoofing or phishing. As an added security measure, you may want to consider locking your phone when not in use in case it is lost or stolen.
6. If I have questions or feedback about Mobile Banking, where can I submit them?
You can call our Contact Center at 800.562.0999 during regular business hours. You can also submit them in a secure message to us through Mobile Banking on your mobile device.
7. What is the difference between “balance” and “available balance”?
Balance is the total dollar amount that is currently in your account.
Available Balance is the amount you have access to. It can be different than the balance if there are transactions that are pending, such as deposits that are being held or debit card purchases that have not been processed.
8. How do I add new payees in Mobile Bill Pay?
New payees cannot be added in Mobile Bill Pay – they can only be added through Bill Pay in Online Banking.
9. Can I delete a recurring payment in Mobile Bill Pay?
You can delete the next scheduled recurring payment, but future recurring payments will not be deleted. You can only delete recurring payments completely through Bill Pay in Online Banking.
10. Why do I receive a message to go to Online Banking when I click on Bill Pay?
You’re receiving the message because you haven’t set up your Bill Pay service yet. You’ll need to log in to Online Banking and click on the Bill Pay tab to enroll and set up your payees.
11. What should I do if I had my username and password saved on my mobile device and it is lost or stolen?
If your mobile device is lost or stolen during business hours, call our Contact Center at 800.562.0999 and we will remove the mobile device from our system. As an additional security measure, we suggest that you also log into Online Banking and change your username and password.
If your mobile device is lost or stolen and we are closed, log into Online Banking and change your username and password. Online Banking and Mobile Banking use the same login credentials. Once you’ve changed the username and password, access to Mobile Banking through your mobile device will be denied. Please be sure to call our Contact Center at 800.562.0999 during business hours and we will remove the mobile device from our system.
12. Should I notify you if my mobile device is lost or stolen, even if my username and password were not saved on the device?
Yes, please call our Contact Center during business hours at 800.562.0999 and we will remove the mobile device from our system. As an additional security measure, we suggest that you also log into Online Banking and change your username and password.
13. What should I do with my old device when I’ve replaced it with a new one?
If you have downloaded our Mobile Banking app, delete it from the device and call our Contact Center during business hours at 800.562.0999 so we can remove the device from our system.
14. How long should I keep the physical check that I deposited using mobile banking?
We recommend keeping the check for 30 days and then destroying the check. It is also helpful to put a note somewhere on the check to indicate that the item has been deposited.
15. What type of checks can be deposited with my mobile device?
The majority of checks are accepted. We do not accept foreign checks, savings bonds, third party checks and some checks with busy backgrounds may not photograph well enough to deposit. Here are some tips when making a deposit:
16. How much can I deposit with my mobile device?
The first $2000.00 of a mobile deposit will be available immediately after your deposit is accepted; the remainder of the deposit is available two business days after the deposit.
Please refer to the mobile banking disclosure for additional funds availability information.
- Checks must include date, payee, amount, and signature
- Checks must be endorsed with a signature (not stamped)
- Blue or Black ink works best
- Have good lighting
- Lay check flat on a contrasting background
- Take photos from above, not at an angle
- Include all four corners of the check in the photo
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