Online Banking and Bill Pay – Easy, Convenient, and Safe

Young couple in front of laptop looking at online bill pay

The convenience of online banking and bill pay are numerous:

  1. 24/7 banking ability
  2. Access to accounts from anywhere at any time
  3. Cost and time savings – no more driving to the bank or spending time in line
  4. Easy and secure transactions

Online banking allows you to view account balances, transfer funds, pay bills, and deposit checks with the touch of a few buttons.  Virtual banking and bill pay features are available through mobile applications or bank and credit union websites.   All that is needed is an internet connection with either a computer or mobile device.

Virtual branch or online banking saves you time and money as it allows you to:

  • Set up recurring payments
  • Schedule payments up to one year in advance
  • Cancel payments
  • Transfer funds between accounts
  • Complete wire or ACH transfers
  • Send and receive money via email or text with Zelle®
  • Deposit checks*
  • Track banking activity
  • Receive free eStatements

*Mobile deposit limits may apply

Are all these transactions safe to conduct virtually?  The answer is yes!  Banks and credit unions utilize encryption technologies, two-factor authorization, and other monitoring features to ensure secure online and mobile transactions.  As a consumer, you can protect your online information (banking and other transactions) by always using a secure network, having strong, creative passwords, and implementing two-factor authentication.

As previously mentioned, online banking can be completed through a website or Mobile Banking App (Mobile Banking).  According to Forbes Advisor, 78% of Americans prefer to bank digitally.1  However, some services are unavailable through online banking; and must be completed at a branch or authorized ATM.  Such transactions include:

  • Cash deposits or withdrawals
  • Issuance of certified or cashier checks or money orders
  • Currency exchange

As some banking transactions must be completed in person, it is advantageous to bank with an institution that has both brick-and-mortar locations and offers virtual banking services.  The consumer will benefit from the ease of “anytime” banking while also being able to get in-person guidance from a trained staff member.  Trust and confidence are some of the main reasons people like to bank in person.  Meeting and speaking with a person who can provide explanations and options to a consumer about their money will always be a valuable service offering.

At Welcome Federal Credit Union, you can always meet with a staff member while also taking advantage of our online banking services.  We provide you with the stability you seek, the flexibility you need, and the empowerment you deserve regarding your money.  You’re always welcome at WFCU!

1https://www.forbes.com/advisor/banking/digital-banking-survey-2022/

Electronic Fund Transfers Agreement and Disclosure

Please be advised that the Henderson branch will be closed on Tuesday, July 16, and Wednesday, July 17 and be open from 7:30 - noon on Thursday, July 18, and Friday, July 19.

 Exciting news: your enhanced e-statement will be delivered soon!  

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, November 11 in observance of Veterans Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule.

Attention Members: Please be advised the Henderson Branch will be closing at 12:30 today, Friday, May 31st.

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