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eServices
Digital Banking
Stay connected to your money anytime, anywhere with free digital banking from Fort Worth City Credit Union. Available 24/7 at your fingertips, our online and mobile banking tools make it easy to securely manage your finances on the go.
With FWCCU Digital Banking, you can:
Monitor transactions in real time
View e-statements, e-notices, and cleared check images
Pay bills and transfer funds between accounts
Create budgets, track spending, and set financial goals
Access your full financial picture from your phone, tablet, or computer
Whether you’re at home in Fort Worth, traveling across Texas, or on the go anywhere, our digital banking services keep you in control. Safe, simple, and designed for today’s busy lifestyle, everything you need is just a tap away.
Log in to Digital Banking today and experience convenient money management.
SyncUp
Organize. Budget. Take Control.
Managing money doesn’t have to feel overwhelming. SyncUp brings all your accounts together in one place, giving you a clear picture of your finances, without the spreadsheets, guesswork, or stress. Whether you want to spend smarter, save more, or just feel in control, SyncUp makes it easy to see where your money is going and how to make the most of it.
Smarter Spending at a Glance
On the SyncUp home screen, you’ll find a colorful spending wheel that shows you exactly how much you’ve spent on bills, dining, groceries, shopping, and more. It’s like a financial snapshot - quick, visual, and easy to understand.
Better Budgeting Made Simple
SyncUp helps you create personalized spending targets so you can stay on track with your goals. With built-in insights, you’ll see your past spending patterns and get tips to keep moving forward.
How to Create a Spending Target:
Go to “Budgets” and click “View Budgets.”
Select “Add Budget.”
Name it, set your amount, and choose the categories you want to track.
Done! Now you’ve got a budget that works for you.
One View of Your Entire Financial Life
Link your mortgage, student loans, credit cards, savings, and checking accounts, even those at other financial institutions, so you can finally see the big picture. No more logging in to five different apps.
Plan, Save, and Achieve
Organize your spending into categories for smarter decision-making.
Set goals to save for vacations, big purchases, or paying down debt.
Track your progress and celebrate milestones along the way.
SyncUp is about more than just bills, it’s about giving you the confidence to know where you stand and where you’re headed.
Take control of your financial future today.
Log in to digital banking and click SyncUp in the left menu to get started.
CreditSMART
Your credit score and report are now available in digital banking! Log in to your account and look for CreditSMART. This free service helps you stay on top of your credit quickly and easily. Knowing your credit standing is essential when you want to open a loan or credit card, but it’s also important to track changes to your score since it can alert you to suspicious activity. CreditSMART gives you the tools to help protect your credit health.
With CreditSMART, you can:
access your credit score and an updated monthly credit report
stay on top of your credit with alerts if your score changes
track and manage your debt in one spot - easily see open balances, monthly payments, and more
Log in digital banking and click CreditSMART on the dashboard today to keep on top of your credit score.
eStatements
Save time and money with electronic statements! Log in to digital banking and click the Statements tab to sign up. Through the statements portal, your eStatements are filterable, mobile-friendly, and presented in date order. eStatements are free, and enrollment is easy. After you enroll, you’ll get an email notification when your statement is ready, and you simply login to digital banking to access it. There are many benefits to eStatements:
Save time, money*, and paper
Get your statements 3-5 days sooner than mailed statements
More secure than mail
eStatements are archived for up to 24 months in digital banking
You can download and print your statements for your records and offline viewing
Make life easier, sign up for eStatements today.
*Members who opt to receive a paper statement will be assessed a $2.00 quarterly paper statement fee, charged to their share account. This fee is waived for youth accounts (under 18) and for members age 65+. This fee will not be assessed until 90 days after the membership is opened. To avoid this fee, we encourage you to enroll in eStatements.
Bill Pay
Pay any company or person in the United States that you would normally pay by check, automatic debit or cash, with Bill Pay. Online bill pay lets you declutter your finances - and your countertops! Consolidate your bills into one easy payment system where you can view payment calendars, receive alerts, and schedule automatic payments. Easily track and review all your bills in one place. You can also sync your accounts and transactions with Quicken. When available, payments are sent electronically. If the person or company cannot accept electronic payments, a check will be printed and mailed.
E-Bills
Save a trip to the mailbox or another website to get your bills, as some of your bills can be delivered to you electronically right in bill pay. View your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.
AutoPay
Set up automatic payments to be sent according to a schedule you set. Change or cancel autopay at any time.
Questions about Bill Pay?
Bill pay member service can be reached at 800-434-1834 between the hours of 7:00 a.m. - 1:00 a.m. ET, 7 days a week.
Electronic Transfers
Zelle®
You now have access to Zelle® through the FWCCU digital banking app. That’s exciting because with Zelle® you can quickly send money to people you know and trust — no matter where they bank in the U.S., and the money is usually available in minutes¹.
¹U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Member to Member Transfers
You’ve always been able to make transfers between accounts under the same member number, but did you know you can transfer to other FWCCU member accounts as well? A member-to-member (M2M) transfer is a transfer to another member’s FWCCU account from your account through digital banking. All you need to know is the member’s last name, FWCCU member number, and sub-account number (01,11,12, etc). The money is transferred immediately and there is no charge for an M2M transfer for either member.
External Transfers
External transfers are account-to-account transfers that you can make to an account at another financial institution, any time, anywhere. It can be initiated through digital banking, and it is a transfer to or from an account that you have ownership access to. You must verify that you are the account owner by providing the routing and account number of the domestic financial institution and then verifying penny transfer amounts. You can send or receive money, and if either the sending or receiving account is in the negative, the transfer will not be made. There is no charge for an external A2A transfer, and it takes up to three business days for the transaction to be complete.
Person to Person Transfers
Do you need to pay your babysitter but don’t have any cash, or repay a co-worker for lunch but they don’t have an FWCCU account? Maybe you want to send a family member a gift but don’t want to send cash, checks, or gift cards through the mail. With person-to-person (P2P) or pay-a-friend transfers, you can send money to anyone without asking for their personal account information, or waiting weeks for checks to clear. P2P makes it easy to send money from your FWCCU account. You will need a valid cell phone number or email address for the person receiving the funds, and will also need to set a security phrase that both you and the receiver will use to send a retrieve the money. A personalized link will be sent to the receiver with instructions on how to claim their money. (Transaction limits apply, some financial institutions may not allow the use of their debit cards to accept P2P transfers. If you receive a message that the card is not eligible to receive funds, use the account information option instead.)