Mobile & Online Banking

Where’s your favorite place to do your banking? The world is your oyster with mobile and online banking.

Access your account anytime, anywhere. Easy and secure, you can view account balances, transfer funds, pay bills and deposit checks. From your desktop and mobile device, you can also send money from your Welcome debit card to almost anyone.

So, where will it be? Your couch. Your porch. The bathroom. Hey, we won’t judge.

Take Welcome on the go! Start by logging into Virtual Branch (our online banking system), and then download our mobile banking app on your phone, tablet or smartwatch today.

Key Features

  • icon images Pay Bills Online
  • icon images Set Recurring Payments
  • icon images Get Account Balances
  • icon images View Transaction Details
  • icon images Transfer Funds
  • icon images Be Safe and Secure

  • Virtual Branch (Online Banking)

    • Save time and money with online bill payments
    • Set up recurring payments
    • Schedule payments up to one year in advance
    • View balances and six months of account history
    • Transfer funds between accounts
    • Send and receive money via email or text with Zelle®
    • Get advanced encryption technology
    • Free eStatements
    • Get Started
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  • Mobile Banking App (Mobile Banking)

    • Deposit checks
    • View account activity
    • Make transfers
    • Pay bills
    • Manage billers
    • Enable push notifications:
      • Account Alerts
      • Security Alerts
      • Alert History
    • Touch ID fingerprint biometrics
    • Send and receive money via email or text with Zelle®
    • Must be enrolled in Virtual Branch to use the app
    • Available for Apple® or AndroidTM mobile devices.
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  • Mobile Deposit

    • Sign the back of the check
    • Add your checking account number underneath your signature
    • Write “For Mobile Deposit Only”
    • On the Mobile App, Click Deposit, Follow the Steps
    • Daily Deposit Limit is $2,000.00
    • Once a check has been used for mobile deposit, it cannot be re-deposited
    • As of January 1, 2021, there will be a 2- business day hold placed on all Mobile Deposited checks.
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  • PayIT (Bill Pay)

    • Pay all bills anytime, anywhere
    • Set up recurring payments
    • Track payment activity and history
    • Cancel payments
    • Available with online banking and mobile banking
    • Rate & Fee Schedule Disclosure
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  • Zelle

    • Fast, easy and safe!  Click here for more info: Zelle®
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  • eStatements

    • 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
    • To enroll, log-in to Virtual Branch (online banking)
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  • Frequently Asked Questions

    • Do I have to have online banking to have the mobile banking app?
      • Yes. You must sign up for online banking (Virtual Branch) before you can access mobile banking.
    • What information do I need to set up a merchant through Bill Pay (PayIT)?
      • 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.
    • How much time should I allow for the merchants to receive the payments I’ve authorized?
      • 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.
    • Is there a daily cutoff time for processing my payments through Bill Pay?
      • 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.
    • What happens if I make a payment through Virtual Branch to a loan that is paid through automatic transfers?
      • Payments made through Virtual Branch will be considered additional payments. Your required periodic payments will continue each and every due date as originally agreed.
    • 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?
      • Notify your branch during normal business hours. After Hours, Weekends, and Holidays 24/7/365, Call Toll-Free: (800) 472-3272 Within the United States or (973) 656-2345 Outside the United States (for collect calls)
    • Can I make transactions over a phone?
    • Are there any fees associated with online or mobile banking?
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Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

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