Welcome Credit Union Home Page

Welcome Credit Union offers four convenient electronic services to help make accessing your Credit Union accounts easier:

TellerLine Audio Response System

Automatic Teller Machine (ATM) Cards
Debit Cards
Virtual Branch® Home Banking

Virtual Branch® Bill Pay (PayIT)

eStatements (Statement Express)

An Audio Response system called TellerLine is available to help you access your Credit Union accounts from any touch-tone phone.

With TellerLine, you have access to your Credit Union accounts anytime, seven days a week.
The system allows you to make inquiries and transfers on both savings and checking accounts simply by using a touch-tone phone along with your account number and Personal Identification Number (PIN).
Your PIN ensures security.
No fees for inquiries through TellerLine.
If you have an approved TellerLine account with Welcome Credit Union, the TellerLine phone number is 800-388-8380. If you have misplaced your TellerLine card with the phone number, please contact your Credit Union branch.
Keeping in touch with your money is as easy as a phone call!
TellerLine is also available in Spanish.

For more information about TellerLine or to obtain an application for this service, please call or stop by any of our branch offices.

With your Welcome Credit Union ATM card, simply insert the card into an ATM and key in your Personal Identification Number (PIN). The electronic processing network (CIRRUS^®) will check for data validation and sufficient funds, then you'll receive your cash on the spot. The amount is deducted from your Credit Union savings account.

You can use your ATM card to check your Credit Union savings account balance and make savings withdrawals.
You'll have 24-hour access to your Credit Union savings account. Since our ATM cards are on the CIRRUS^® network, you can use your card worldwide.
In most cases, the Credit Union will pay the CIRRUS® network and service charges. However, you will likely be charged a service fee by the owner of the ATM you use. These fees will vary per transaction and WCU has no control over the amount you are charged.
To avoid ATM fees in the State of North Carolina, you can use any Coastal Federal Credit Union ATM or any CASHPOINTS ATM. There are approximately 600 CASHPOINTS ATMs located throughout the state.
Surcharge-free ATMs are available in Pennsylvania, West Virginia, Maryland, Virginia, Ohio, and North Carolina at over 330 Sheetz Convenience Stores. Sheetz is open 24 hours a day, 365 days a year. To locate a store near you, visit www.sheetz.com or phone 800-487-5444.

You can make up to three withdrawals per day.
You can withdraw up the $300.00 per day.
No annual fee
No monthly fee

You qualify for an ATM card if you meet one of the following criteria:

An average minimum savings balance of $300.00, or
Automated monthly deposit to your WCU savings account of at least $100.00, or
Own a regular Credit Union Term Share Certificate or a Credit Union IRA account.

Tell us at once if you believe someone has used your ATM card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Refer to your Electronic Funds Transfer Agreement and Disclosure, Section (5) Member Liability, for crucial timing and liability limits.

If you believe your ATM Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us during office hours at:

                                                       919.483.1648 Main Branch
                                                       919.483.8844 Moore Drive Branch
                                                       919.269.1225 Zebulon Branch
                                                       252.758.3279 Greenville Branch
                                                       252.430.3655 Henderson Branch

For more information about the Credit Union ATM card or to obtain an application for this service, please call or stop by any of our branch offices.

Debit cards give you the financial freedom of a checking account without carrying a checkbook.

Easier than writing a check and safer than carrying cash, a debit card provides financial convenience. Even though it is not a credit card, a Welcome Credit Union CheckCard is accepted by merchants around the globe anywhere MasterCard^® is accepted. The difference is that your debit card is linked to your Credit Union checking account and purchases are automatically deducted from that account. Think of your debit card as an electronic check. Just present your CheckCard to the merchant at the time of purchase. You need to keep your receipts, and when it's convenient, enter the transactions and amounts into your checkbook register - just as you would if you'd written a check.

Your monthly statement will reflect all debit card and electronic transactions. Be sure to accurately balance your checkbook each month.

Benefits of a Welcome Credit Union CheckCard:

No annual fee
No interest charges
Protected by a PIN (Personal Identification Number)
Use your CheckCard instead of cash, checks, and credit cards
No monthly payments
Use your CheckCard anywhere MasterCard^® is accepted for groceries, gasoline, gifts, shopping, meals at restaurants or any of your everyday needs!
Use your CheckCard to access savings and checking through worldwide CIRRUS^® network ATM machines.
In most cases, the Credit Union will pay the CIRRUS® network and service charges. However, you will likely be charged a service fee by the owner of the ATM you use. These fees will vary per transaction and WCU has no control over the amount you are charged.
To avoid ATM fees in the State of North Carolina, you can use any Coastal Federal Credit Union ATM or any CASHPOINTS ATM. There are approximately 600 CASHPOINTS ATMs located throughout the state.
Surcharge-free ATMs are available in Pennsylvania, West Virginia, Maryland, Virginia, Ohio, and North Carolina at over 330 Sheetz Convenience Stores. Sheetz is open 24 hours a day, 365 days a year. To locate a store near you, visit www.sheetz.com or phone 800-487-5444.

Our debit card program includes the PULSE^® network system. The PULSE^® network expands your accessibility to the Credit Union and provides the cash-back feature at participating point-of-sale terminals.
It's easy, convenient, and hassle-free!
For your protection, and ours, we have a fraud detection system called a neural network. This system will help track potential fraudulent activity on your debit card.
MasterCard Securecode – Added Protection For You!
MasterCard Securecode provides added protection to the online purchases you make with your Welcome Credit Union debit card (check card). You’ll need to establish a password to use with your debit card for shopping online. You can access the registration site through the following MasterCard Securecode link.

Welcome Credit Union

When you purchase items online, upon checkout, you’ll be asked to enter your MasterCard Securecode password to verify that you are the person making the online purchase. Once you enter your password, your purchase will be complete.

In the near future, this program will be mandatory for all online merchants. Until then, some merchants may ask for your password and some may not. (Participating merchants are listed on the registration web site.) Once all merchants are participating, you can enjoy the benefit of knowing that if your debit card is ever lost or stolen, no online purchases can be made without your Securecode password.

Tell us at once if you believe someone has used your Debit Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. Refer to your Electronic Funds Transfer Agreement and Disclosure, Section (5) Member Liability, for crucial timing and liability limits.

If you believe your Debit Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us immediately.

During Office Hours:

                                                  After Hours, Weekends, Holidays:
                                              800.472.3272 Within the United States
                                    973.656.2345 Outside the United States (for collect calls)

For more information about the Credit Union CheckCard or to obtain an application for this service, please call or stop by any of our branch offices.

Access your Credit Union accounts at the touch of a finger! Anytime, anyplace!

Virtual Branch® Home Banking provides you access to your accounts – 24 hours a day, any day of the year! Virtual Branch® Home Banking is the easiest, safest, and most convenient way to visit the Credit Union. Look at what you can do through your Virtual Branch® account:

View current transaction history!
View the balances of your accounts!
Check your next payment date on loans!
Transfer funds among your accounts! Every transfer is assigned a unique confirmation number to make it easy to verify the transaction.
Virtual Branch® offers financial calculators for savings, loans, and mortgages. Pay your bills on-line with Virtual Branch Bill Pay.

Pay your bills on-line with Virtual Branch Bill Pay.

Virtual Branch® is being offered to you "fee-free". This is subject to change at the discretion of the Board of Directors.

We invite you to take a "test drive" on Virtual Branch®.

To enroll, either complete the forms online or print, complete, sign, and mail the Virtual Branch Enrollment and Information Form to the Main Credit Union Branch.

Please review the Electronic Funds Transfer Agreement and Disclosure and print a copy for your records.

For more information about Virtual Branch® Home Banking, please call or stop by any of our branch offices.

Electronic Bill Pay makes your life safer, easier, and more convenient. Bill Pay (PayIT) is integrated with Virtual Branch providing all your online banking services with a single link, single sign-on, same site convenience, and no monthly usage fees*.

Bill Pay eliminates the cost of checks, stamps and envelopes.

Virtual Branch consolidates account data and bill paying in one location.

You can complete all payments from a single screen.

You will establish a personal list of merchants specific to your own needs.

Payments can be setup to occur immediately or through flexible recurring schedules.

You can review, change or cancel scheduled payments as necessary.

Bill Pay integrates seamlessly with Virtual Branch Home Banking.

You can request payment investigations via online research forms.

You can view payment status and payment history up to 18 months.

You can access Bill Pay through our Virtual Branch Services via the Internet at: https://www.netit.financial-net.com/gwecu. Be sure to add the 's' to http -- https ensures that you are entering a secured web site. Click on the PayIT link from the left side-bar menu.

*There are no monthly usage fees for the PayIT service, however, please refer to your Rate & Fee Schedule disclosures for fees that may be incurred including, but not limited to, NSF fees, stop payment fees, and monthly non-usage fees. It’s easy to avoid the monthly non-usage fees – just pay at least one bill through PayIT each month (within each 30-day period).

Frequent PayIT Question and Answers

Q. What information do I need to set up a merchant through Bill Pay (PayIT)?

A. You will need your billing statement for each merchant you want to set up. The statement should contain the required information including merchant name, address, phone number, your account number, payment amount, etc. You may set up as many payees as you want for up to two WCU checking accounts.

Q. How much time should I allow for the merchants to receive the payments I’ve authorized?

A. The first time you authorize a payment to an individual merchant, you should allow (5) five business days for the payment to reach the merchant. Virtual Branch will determine whether the merchant will accept payments electronically when the first payment is processed. If the merchant will receive them electronically, you should then allow 2 (two) business days for the payment to reach the merchant. The required amount of time will be disclosed on the top of the payment information page for each merchant after the first payment has been made.

Q. Is there a daily cutoff time for processing my payments through Bill Pay?

A. You must request payments to be processed before 2:00 p.m. Eastern Time, USA, on a Business Day at least five business days prior to the due date. Payments scheduled after 2:00 p.m. will be processed on the next business day.

To enroll, either complete the forms online or print, complete, sign, and mail the Virtual Branch Enrollment and Information Form to the Main Credit Union Branch.

For more information about Virtual Branch® Home Banking, please call or stop by any of our branch offices.

Receive your monthly and/or quarterly statements safely, quickly, and electronically. Electronic statements provide secure, anytime, anywhere access to your Welcome Credit Union statements. Here are a few of the features of Statement Express:

eStatements are free!
Automatic email notification when your statements are available for viewing/printing.
Six months of statements available for instant retrieval.
All data is fully secured, encrypted, and protected by the latest SSL technology.
eStatements can be downloaded.
When you elect to view your statements online instead of receiving a paper statement by mail, it helps protect you from confidential information being lost or stolen from your mailbox.
Safest, quickest, and most convenient way to receive your statements.
On-line enrollment is available! Just sign onto Virtual Branch and click “eStatements” from the left side-bar menu, then follow the links. Be sure to turn off your pop-up blocker for the Virtual Branch web site as there are terms and conditions that must be agreed upon before eStatements will be activated. You will not see the disclosures if the pop-up blocker is enabled.
When you enroll, your checking and/or loan accounts within your primary account are automatically included. However, if you have sub-accounts, you will need to enroll them individually.
eStatements help save trees!

In support of American Forests’ Global ReLeaf Program, we’ll plant a tree
on your behalf when you enroll in Statement Express.

For more information about eStatements, please call or stop by any of our branch offices.

This web site is intended only for persons over the age of 13.

Welcome Credit Union is an "Equal Opportunity Lender", making loans without regard to race, color, religion, sex, national origin, marital status, or age.


	Your Savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. (National Credit Union Association, a U.S. Government Agency)