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Electronic Services

Fee-Free ATMs

For your convenience, WFCU owns/leases three ATMs that are fee-free if you use your WFCU ATM or debit card. Locations are listed below.
  • Main Branch, 10810 Chapel Hill Road, Morrisville, NC 27560
  • Zebulon Branch, 125 E. Gannon Avenue, Zebulon, NC 27597
  • GlaxoSmithKline, 5 Moore Drive, Building 5, adjacent to cafeteria, Research Triangle Park, NC 27709 (This ATM is only available to GSK employees and guests.)

When you use your WFCU ATM or Debit card at ATMs that are not owned or leased by WFCU, in most cases, the Credit Union will pay the CIRRUS® network and service charges. However, you will likely be charged a service fee by the owner of the ATM you use. These fees will vary per transaction and WFCU has no control over the amount you are charged.

  • To avoid ATM fees in the State of North Carolina, you can use any Coastal Federal Credit Union ATM or any CASHPOINTS ATM. There are approximately 1,100 CASHPOINTS ATMs located throughout the state.
  • Surcharge-free ATMs are available in Pennsylvania, West Virginia, Maryland, Virginia, Ohio, and North Carolina at over 330 Sheetz Convenience Stores. Sheetz is open 24 hours a day, 365 days a year. To locate a store near you, visit or phone 800-487-5444.
  • Click here for a list of no-surcharge ATMs in the state of North Carolina.

TellerLine Audio Response System

An Audio Response system called TellerLine is available to help you access your Credit Union accounts from any touch-tone phone.

  • With TellerLine, you have access to your Credit Union accounts anytime, seven days a week.
  • The system allows you to make inquiries and transfers on both savings and checking accounts simply by using a touch-tone phone along with your account number and Personal Identification Number (PIN).
  • Your PIN ensures security.
  • No fees for inquiries through TellerLine.
  • If you have an approved TellerLine account with Welcome Federal Credit Union, the TellerLine phone number is 800-513-5847.
  • Keeping in touch with your money is as easy as a phone call!
  • TellerLine is also available in Spanish.

For more information about TellerLine or to obtain an application for this service, please call or stop by any of our branch offices.

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Automated Teller Machine (ATM) Cards

With your Welcome Federal Credit Union ATM card, simply insert the card into an ATM and key in your Personal Identification Number (PIN). The electronic processing network (CIRRUS®) will check for data validation and sufficient funds, then you'll receive your cash on the spot. The amount is deducted from your Credit Union savings account.

  • You can use your ATM card to check your Credit Union savings account balance and make savings withdrawals.
  • You'll have 24-hour access to your Credit Union savings account. Since our ATM cards are on the CIRRUS® network, you can use your card worldwide.
  • Sheetz Logo
  • Click here for information about CIRRUS network and ATM fees.
  • You can make up to three withdrawals per day.
  • You can withdraw up the $300.00 per day.
  • No annual fee.
  • No monthly fee.

You qualify for an ATM card if you meet one of the following criteria:

  • An average minimum savings balance of $300.00, or
  • Automated monthly deposit to your WFCU savings account of at least $100.00, or
  • Own a regular Credit Union Term Share Certificate or a Credit Union IRA account.

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Lost or Stolen ATM Card

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.

If you believe your ATM Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us during office hours at:

For more information about the Credit Union ATM card or to obtain an application for this service, please call or stop by any of our branch offices.

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Debit Cards

Debit cards give you the financial freedom of a checking account without carrying a checkbook.

Easier than writing a check and safer than carrying cash, a debit card provides financial convenience. Even though it is not a credit card, a Welcome Federal Credit Union CheckCard is accepted by merchants around the globe anywhere MasterCard® is accepted. The difference is that your debit card is linked to your Credit Union checking account and purchases are automatically deducted from that account. Think of your debit card as an electronic check. Just present your CheckCard to the merchant at the time of purchase. You need to keep your receipts, and when it's convenient, enter the transactions and amounts into your checkbook register - just as you would if you'd written a check.

Your monthly statement will reflect all debit card and electronic transactions. Be sure to accurately balance your checkbook each month.

Benefits of a Welcome Federal Credit Union CheckCard:

  • No annual fee
  • No interest charges
  • Protected by a PIN (Personal Identification Number)
  • Use your CheckCard instead of cash, checks, and credit cards
  • No monthly payments
  • Use your CheckCard anywhere MasterCard® is accepted for groceries, gasoline, gifts, shopping, meals at restaurants or any of your everyday needs!
  • Use your CheckCard to access savings and checking through worldwide CIRRUS® network ATM machines.
  • Click here for information about CIRRUS network and ATM fees.
  • Our debit card program includes the PULSE® network system. The PULSE® network expands your accessibility to the Credit Union and provides the cash-back feature at participating point-of-sale terminals.
  • It's easy, convenient, and hassle-free!
  • For your protection, and ours, we have a fraud detection system called a neural network. This system will help track potential fraudulent activity on your debit card.
  • Chip-Enabled Debit Card Information

    WFCU debit cards are chip-enabled to provide you with an enhanced level of security. Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used. However, to protect yourself from identity theft, we advise you to use your WFCU Visa Platinum Credit Card when buying online. Chips only protect you at chip-enabled terminals.

  • MasterCard Securecode® - Added Protection For You!

    MasterCard Securecode® provides added protection to the online purchases you make with your Welcome Federal Credit Union debit card (check card). You'll need to establish a password to use with your debit card for shopping online. You can access the registration site through the following MasterCard Securecode link.

    Welcome Federal Credit Union

    When you purchase items online, upon checkout, you'll be asked to enter your MasterCard Securecode password to verify that you are the person making the online purchase. Once you enter your password, your purchase will be complete.

    In the near future, this program will be mandatory for all online merchants. Until then, some merchants may ask for your password and some may not. (Participating merchants are listed on the registration web site.) Once all merchants are participating, you can enjoy the benefit of knowing that if your debit card is ever lost or stolen, no online purchases can be made without your Securecode password.

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Lost or Stolen Debit Card

Tell us at once if you believe someone has used your Debit 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.

If you believe your ATM Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us during office hours at:

After Hours, Weekends, Holidays:
800-472-3272 Within the United States
973-656-2345 Outside the United States (for collect calls)

For more information about the Credit Union CheckCard or to obtain an application for this service, please call or stop by any of our branch offices.

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Virtual Branch Home Banking

Access your Credit Union accounts at the touch of a finger! Anytime, anyplace!

Virtual Branch® Home Banking provides you access to your accounts - 24 hours a day, any day of the year! Virtual Branch® Home Banking is the easiest, safest, and most convenient way to visit the Credit Union. Look at what you can do through your Virtual Branch® account:

  • View current transaction history!
  • View the balances of your accounts!
  • Check your next payment date on loans!
  • Transfer funds among your accounts! Every transfer is assigned a unique confirmation number to make it easy to verify the transaction.
  • Virtual Branch® offers financial calculators for savings, loans, and mortgages. Pay your bills on-line with Virtual Branch Bill Pay.
  • It’s easy to enroll, just visit and complete the online enrollment forms.
  • Pay your bills on-line with Virtual Branch Bill Pay.

Virtual Branch® Frequently Asked Questions and Answers

  • Q.  Who can access my Virtual Branch account?
    A.  Virtual Branch accounts are individual accounts and are established with your personal information. You can access any account that you request to add, provided you are the primary account owner or joint owner. Joint owners can request their own Virtual Branch service by completing the enrollment forms online. The Credit Union will verify and approve Virtual Branch accounts.
  • Q.  Are Line of Credit (LOC) accounts accessible through Virtual Branch?
    A.  Yes, you can take advances on your Line of Credit (LOC) and Home Equity Line of Credit loans. However, the following Line of Credit loan accounts are restricted: Holiday LOC; Summer Vacation LOC; and Overdraft LOC. You can view the balances, but advances are not permitted through Virtual Branch due to restrictions and documentation requirements.
  • Q.  When can I begin using my Virtual Branch account?
    A.  You’ll be able to access your Virtual Branch account immediately when you enroll online.
  • Q.  If I make a transfer between accounts, how long does it take before the transaction is processed?
    A.  Transfers are immediate and have no delayed processing time.

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Virtual Branch Bill Pay (PayIT)

Electronic Bill Pay makes your life safer, easier, and more convenient. Bill Pay (PayIT) is integrated with Virtual Branch providing all your online banking services with a single link, single sign-on, same site convenience, and no monthly usage fees*.

  • Bill Pay eliminates the cost of checks, stamps and envelopes.
  • Virtual Branch consolidates account data and bill paying in one location.
  • You can complete all payments from a single screen.
  • You will establish a personal list of merchants specific to your own needs.
  • Payments can be setup to occur immediately or through flexible recurring schedules.
  • You can review, change or cancel scheduled payments as necessary.
  • Bill Pay integrates seamlessly with Virtual Branch Home Banking.
  • You can request payment investigations via online research forms.
  • You can view payment status and payment history up to 18 months.

You can access Bill Pay through our Virtual Branch Services via the Internet at: Be sure to add the 's' to http -- https ensures that you are entering a secured web site. Click on the PayIT link from the left side-bar menu.

*There are no monthly usage fees for the PayIT service, however, please refer to your Rate & Fee Schedule disclosures for fees that may be incurred including, but not limited to, NSF fees, stop payment fees, and monthly non-usage fees. It's easy to avoid the monthly non-usage fees - just pay at least one bill through PayIT each month (within each 30-day period).

Frequent PayIT Question and Answers

  • Q.  What information do I need to set up a merchant through Bill Pay (PayIT)?
    A.  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.
  • Q.  How much time should I allow for the merchants to receive the payments I've authorized?
    A.  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.
  • Q.  Is there a daily cutoff time for processing my payments through Bill Pay?
    A.  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.
  • Q.  What happens if I make a payment through Virtual Branch to a loan that is paid through automatic transfers?
    A.  Payments made through Virtual Branch will be considered additional payments. Your required periodic payments will continue each and every due date as originally agreed.

It’s easy to enroll, just visit and complete the online enrollment forms.

For more information about Virtual Branch® Home Banking, please call or stop by any of our branch offices.

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Receive your monthly statements safely, quickly, and electronically. Electronic statements provide secure, anytime, anywhere access to your Welcome Federal Credit Union statements.

Why eStatements?

  • eStatements are free!
  • Automatic email notification when your statements are available, usually by the 3rd of the month.
  • Six months of statements available for instant retrieval.
  • All data is fully secured, encrypted, and protected by the latest SSL technology.
  • eStatements have the same detailed list of transactions as paper statements.
  • eStatements can be downloaded and/or printed.
  • When you elect to view your statements online instead of receiving a paper statement by mail, it helps protect you from confidential information being lost or stolen from your mailbox.
  • eStatements save money on energy, paper, postage, and they’re better for the environment!

How Do I Enroll?

If you aren't enrolled in Virtual Branch, that will be your first step. Just click the "getting started" link from the left-hand menu bar on the Virtual Branch website for important information, then click the "Enroll" button and follow the prompts.

Virtual Branch

  • Logon to Virtual Branch
  • Click Self-Service
  • Under Additional Services, click eStatements, follow the prompts to add your account. When you enroll, your checking and/or loan accounts within your primary account are automatically included. However, if you have sub-accounts, you will need to enroll them individually.
  • eStatements are the preferred delivery method for your monthly statements. If you prefer to receive paper statements, we will gladly provide that service for a $2.00 monthly fee per statement. Members who are twelve (12) and under and members who are seventy (70) or older are exempt from the paper statement fee.
  • When enrolling in eStatements, you may need to turn off the "Pop-up Blocker" in your web browser or you may get an "Unauthorized Action" error message.
  • After enrolling, you may receive the following message: (This is normal until your statements are available after month-end.)

"There are no statements available for your account at this time. You will receive email notification when your statement is ready for viewing."

For more information about eStatements, please call or stop by any of our branch offices.

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Mobile Money

Mobile Money is just one of the components included in our Virtual Branch suite of services. WFCU's on the go mobile money service is easy, safe, and has no fees*. You'll be able to use your cell phone, smart phone, or iphone to manage your money whenever it's convenient during your busy day.

Mobile Money is the ultimate on-demand service. You can monitor your accounts with your mobile phone ... receive alerts, view accounts, even transfer funds whenever or wherever you happen to be. You decide how you'll use it! You can request that a text message is sent to you if your balance falls below $50.00 (just an example), or when your direct deposit check is in your account! And you don't need Internet access on your phone to take advantage of Mobile Money. You can send a simple text message to:

  • View account balances
  • View transaction history

If you do have Internet access from your phone, it gets even better. You can log on to:

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Even pay your bills!

With Mobile Money, your information is fully secure. With multiple layers of authentication, you'll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.

Look for more information on Virtual Branch (click on the Self Service tab).

*No monthly usage fees for Mobile Money. However, fees may be incurred including, but not limited to, customary fees incurred through your mobile phone provider and fees associated with WFCU's Bill Pay service (ex. bill pay fee for non-use; bill pay processor fees that are passed through to you including NSF, stop payment, and research fees). WFCU's fees are disclosed on our Rate & Fee Schedule.

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Mobile Deposit

Easily deposit checks from the comforts of your home with WFCU’s Mobile Banking app on your iPhone or Android device. Save time and gas and make yourself comfortable. You can make a quick and secure deposit – sign the back of the check, add your WFCU checking account number, and "For Mobile Deposit Only", snap a picture of the front & back of your check, and send! Make deposits from anywhere ... "on your time"! Click here for more information.

To use the Mobile Deposit service, you’ll need to meet the following requirements:

  • WFCU Checking Account – open for at least 90 days
  • Member in Good Standing
  • Valid Email Address
  • Virtual Branch
  • Mobile Money
  • iPhone or Android
  • Downloadable Mobile App – for information on how to download the mobile app (TouchBanking), visit Virtual Branch at and before logging-in, click on “getting started” from the left-hand menu.

General Information

  • Mobile Deposit accounts are approved on an individual basis. To qualify, members must be in good standing with WFCU.
  • Mobile Deposits can only be made into your WFCU checking account.
  • We cannot accept foreign checks or Welcome Federal Credit Union checks.
  • The maximum dollar limit per check is $2,000.00 and the maximum dollar limit per member per day is $2,000.

Tips on using Mobile Check Deposit – Mobile Deposit is easy to use once you know the best practices for check acceptance. Below are tips to help you with the process.

  • Sign/Endorse the back of your check, add your WFCU account number, and write “For Mobile Deposit Only.” Checks that don’t have all three items will be rejected. Each deposit will be reviewed individually.
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • The check must be in good condition: clear, not ripped, wrinkled, or blurry. Other suggestions: take the photos of your check in a well-lit area. Place the check on solid dark background before taking the photo of it.
  • Make sure that the entire check image is visible with no shadows across the check. The image is required to show all four corners, the MICR numbers on the bottom of the check, and be in focus.
  • Keep the check within the view finder on the camera screen when capturing your photos. (Try not to get too much of the areas surrounding the check.)
  • Keep your phone flat and steady above the check when taking your photos.
  • Hold the camera as square to the check as possible to reduce corner to corner skew.
  • The cut off deadline for mobile deposits is 3:00 p.m. EST each business day. Deposits made after 3:00 p.m. or on weekends and holidays will be credited on the next WFCU business day.


To request this service, call us toll-free at 888-932-8148 and choose your branch.

*Mobile Deposit is functional on iPhone and Android apps only. Data Rates May Apply. Check with your mobile phone carrier for details.

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