
An
Audio Response system called TellerLine is available to help you
access your Credit Union accounts from any touch-tone phone.
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With TellerLine, you have access to your Credit Union
accounts anytime, seven days a week.
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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).
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Your PIN ensures security.
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No
fees for inquiries through TellerLine.
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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.
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Keeping in touch with your money is as easy as a phone call!
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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.
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You
can use your ATM card to check your Credit Union savings
account balance and make savings withdrawals.
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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.
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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.
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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.
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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
qualify for an ATM card if you meet one of the following
criteria:
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An
average minimum savings balance of $300.00, or
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Automated monthly deposit to your WCU savings account of at
least $100.00, or
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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.
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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:
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
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.
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.
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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.
- 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.
- Bill Pay
integrates seamlessly with Virtual Branch Home Banking.
- You
can request payment investigations via online research
forms.
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.
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