eServices

Digital Banking

Digital banking is totally free and available at your fingertips 24/7. This convenient service offers a fast, free, and secure method to navigate and manage your accounts and finances. Through digital banking, you can monitor your transactions, view statements, e-notices, and images of checks that have cleared, pay your bills, transfer money, set goals and budgets, and more. The convenience of the many services we offer through digital banking will amazing. Log in to digital banking 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.

CreditSMART FAQs

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

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.)

SyncUp

It’s important to keep track of your finances and know your options for managing your expenses. If you feel like you live paycheck to paycheck, then now is the time to take a look at your expenses, and see where you can make adjustments. Take control by knowing exactly what you’re dealing with - how much money is coming in each month and how much is going out. To get a clear picture, create a budget using our personal financial management tool, SyncUp.

SyncUp personal financial management tool allows you to sync all of your accounts in one easy-to-view and manage area with digital banking. Add all your debts and assets: your mortgage, student loans, credit cards and deposit accounts with other financial institutions so you get an overview of your total financial picture.

Organize your spending into categories, so you can budget more efficiently and make better spending decisions. Add goals to save for special occasions or pay off debt, and create budgets for certain categories to better manage your cash flow.

Take control of your finances! Log in to digital banking and click the SyncUp link in the left menu tree to get started today.