How can I print out my statements online? When can I print them out?
For eStatements, log into your Online Banking account and then click on My Documents. Click on eStatements and select the statement(s) you wish to print out. Remember, statements can only be printed out for the prior month. Statements for current months are not produced until the month ends. If you don't see any statements, make sure you're opted in to receive eStatements.
Do you have other branches?
We do not have other physical branches, but we are part of the CO-OP Network. This provides our members with access to over 30,000 different ATM machines, which, includes 7-Eleven ATMs and Walgreens ATMs. All surcharge free!
Does WHFCU have an app?
As your credit union, we strive to make life easy for you! We conveniently have an app that allows you to do banking on the go. Use this free service to perform transactions on your account 24 hours a day, 7 days a week, using your Android or iPhone. Before you download the App please make sure you're enrolled in Online Banking and have your user ID and security code (password) handy.
What is your routing number?
For electronic (ACH) debits and credits the ABA routing number is 321171980.
How do I log into online banking for the first time?
- Go to the Online Banking login page.
- Input your account number and press TAB.
- You will then be required to enter a password. The default password is the last 4 digits of the primary member’s social security number followed by their 4 digit birth year. Example: XXXX1994.
- Once you’ve entered this correctly, you will be presented with a User Agreement that you must accept. You will then be required to enter a new password at least 6 characters in length and it must contain three of the following: one upper case letter, a lower-case letter, a number and a special character.
How do I reset my online banking password?
To get a temporary password, click on the "Forgot Password" link on the login screen or call the credit union for assistance.
How Do I sign up for Direct Deposit?
To initiate Direct Deposit to your Checking Account, you will need our Routing/ABA number (321171980) and your MICR number from one of your checks. If you don't have a checking account with us you may just give your payroll department the 7 digit account number and indicate to credit your savings account.
If you work for John Muir Medical Center and would like to sign up for Direct Deposit, please use this form to sign up. You may also login to the John Muir Payroll system for employees and to start or change payroll deduction.
VISA Credit Cards
Can I make my VISA payment online? How do I set that up?
Yes! Go to eZCardInfo and if already enrolled, enter your username and password. Once logged in, click on the option to pay your VISA bill either with a credit card number or checking account.
You can also make payments from within your Online Banking account as well. Make sure you are registered for Online Banking and after you login you will see your Visa card account listed. Follow the prompts to make a payment online. Be sure to call the credit union if you have any questions!
Can I look up my VISA Reward points?
Yes! Go to ScoreCard Rewards and create a profile or login if you already have one to view your reward points. You can only earn reward points if you have a VISA Platinum card with rewards.
Can I call WHFCU to make a VISA payment?
Yes, you may call anytime during business hours to make a VISA credit card payment from your checking or savings account with WHFCU. All payments made prior to 1:00pm will be credited the next business morning. All payments made after 1:00pm will be credited on the following business day morning.
Who do I call if I lost my VISA credit card?
You can call us during business hours or (800) 237.6211 after hours and on weekends and holidays.
VISA Debit Cards
Who do I call if I lost my VISA debit card?
You can call us during business hours or (800) 528.2273 after hours and on weekends and holidays. To dispute a charge, call (800) 808.6402.
Can I get an ATM debit card for my savings account?
Unfortunately not. Members with only Share (savings) accounts do not receive an ATM debit cards. Accounts with a Share Draft (checking) are issued a debit card and members can take advantage of over 30,000 different ATM machines nation-wide, surcharge free!
Can I withdraw money from my WHFCU account without a surcharge at any other ATM other than the branch ATM?
Yes, at any CO-OP ATM or any particpating 7-Eleven or Walgreens!
What are the daily limits for my VISA debit card?
- What is the daily amount I can withdraw in cash from an ATM with my WHFCU debit card? $500 per business day
- What is the daily amount I can purchase using my WHFCU debit card with my PIN#? $2,000 per business day (including cash back)
- What is the daily amount I can purchase using my WHFCU debit card as a Visa? $2,500 per business day
About Credit Unions
What's a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership.
The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization.
The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.