Mobile & Online Banking

The Welcome FCU Mobile Banking App is available for Apple^® or Android^TM mobile devices.

To access the app, please first enroll in Online Banking via our website.

• Deposit checks
• View account activity
• Make transfers
• Pay and manage bills
• Enable account and security alerts
• Send and receive money via email or text with Zelle^®

With the Welcome FCU Mobile Banking App, you can add your WFCU debit card to your phone’s digital wallet and tap to pay without a physical card, using supported devices at supported locations.

With the Welcome FCU Mobile Banking App, you can deposit checks without needing to visit an in-person location. 

Instructions for mobile check deposits:

• 1. Sign the back of the check
  2. Add your checking account number underneath your signature
  3. Write “For Mobile Deposit Only” or check the “Mobile Deposit” box
  4. On the Mobile App, Click Deposit, Follow the Steps
  5. Daily Deposit Limit is $2,000.00
  6. Once a check has been used for mobile deposit, it cannot be re-deposited

With Online Banking or the Welcome FCU Mobile Banking App, you can:

• Pay all bills anytime, anywhere
• Set up recurring payments
• Track payment activity and history
• Cancel payments

You must set up Bill Pay via Online Banking before Bill Pay will be available on the Welcome FCU Mobile Banking App. Rate & Fee Schedule Disclosure.

With the Welcome FCU Mobile Banking App you can access Zelle®.

• Zelle® is a fast, safe and easy way to send and receive money with friends and family. 
• Zelle® is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.
• How to start using Zelle®:
  1. Enroll or log in to Bill Pay on your Online Banking account.
  2. Then, via Online Banking, Select “Send Money with Zelle®”
  3. Accept the Terms and Conditions
  4. Select your U.S. mobile number or email address and deposit account
  5. That’s it! You’re ready to start sending and receiving money with Zelle® through Online Banking or the Welcome FCU Mobile Banking App.

To start using Zelle^® at Welcome Federal Credit Union, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to online banking or our mobile banking app. Locate the Payment Center tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay you can access “Send Money With Zelle^®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle^®.

Since money is sent directly from your bank account to another person’s bank account quickly, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

With Online Banking or the Welcome FCU Mobile Banking App, Transfer Now allows you to make transfers both internally and externally from your Welcome accounts to other financial institutions.

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• Transfer funds quickly and securely between accounts
• Connect to over 15,000 banks, credit unions, and brokerages via the ACH network
• Move money between your Welcome FCU and non-Welcome accounts
• Enjoy a streamlined setup with secure identity authentication and account verification

How do you access TransferNow on the Welcome FCU Mobile Banking App?

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• 1. Log into your Welcome App on your phone. At the bottom of the home page, you will click on Transfer & Pay. For internal transfers you will follow the prompts by selecting the accounts you are sending from and to. You will need your password to move past this screen.
  2. For external transfers you will click on external transfers, and it will immediately ask for your password. It will then prompt you for the to and from accounts. Accounts will need to be set up during this phase to be able to send funds externally.
  3. Once an account is set up, the credit union will send two small deposits to the receiving financial institution. Once those post you will need to return to the app and provide the amounts of the two small deposits to confirm. Once that has been completed you will be able to make external transfers to that financial institution.

How do you access TransferNow via Online Banking?

• 1. Log in to Online Banking
  2. Under the “Accounts” tab, select “Transfer Money”.
  3. For internal transfers you will follow the prompts by selecting the accounts you are sending from and to. You will need your password to move past this screen.
  4. For external transfers you will click on external transfers, and it will immediately ask for your password. It will then prompt you for the to and from accounts. Accounts will need to be set up during this phase to be able to send funds externally.
  5. Once an account is set up, the credit union will send two small deposits to the receiving financial institution. Once those post you will need to return to the app and provide the amounts of the two small deposits to confirm. Once that has been completed you will be able to make external transfers to that financial institution.

If you are trying to complete a transfer and are having difficulty, please feel free to contact us at (888) 932-8148 .

With the Welcome FCU Mobile Banking App, you have tools to manage your debit card 24/7.

• Instantly turn your debit card on or off
• Receive real-time transaction alerts
• Monitor card activity and spending
• Set controls and restrictions for added security
• Report a lost or stolen card
• Manage your card without visiting a branch or calling

• Free, delivered faster than a paper copy
• Reduces paper
• Safer and more secure than paper statements
• Six months of statements available for instant access
• Receive email notification when eStatement is ready for viewing

• Do I have to have online banking to have the mobile banking app?
  • Yes. You must sign up for Online Banking through our website before you can access mobile banking.
• What information do I need to set up a merchant through Bill Pay?
  • 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 WFCU checking accounts.
• I think I lost my ATM card. What should I do?
  • 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. Notify your branch during normal business hours.
• I think I lost my debit card. What should I do?
  • Access Card Hub through the Welcome FCU Mobile Banking App to instantly turn your debit card on or off, and report a lost or stolen card. If your card is lost or stolen, report it immediately, at any time of day. Call (800) 472-3272, or notify your branch during normal business hours.

• Can I make transactions over a phone?
  • Yes. You can call our TellerLine at (800) 513-5847.
• Are there any fees associated with online or mobile banking?
  • Please refer to your Rate & Fee Schedule Disclosure including ways to avoid monthly non-usage fees.