Mobile Banking FAQ
What do I need to access Mobile Banking?

You will need a web-enabled mobile device. Mobile Banking can either be accessed through your device's browser or through our Mobile Banking application that can be downloaded to your mobile device.

What is the cost for Mobile Banking?

WSECU does not charge for using Mobile Banking; however, if you do not have a data plan included in your mobile device's contract, you may be assessed data usage charges by your wireless service provider. We suggest contacting your provider for specific details.

Which mobile devices are supported?

AndroidTM and iPhone® mobile devices are compatible with our Mobile Banking application. Go to m.wsecu.org and click on "Install Mobile App" to see if your device is compatible. If your device is not compatible with the Mobile Banking application, you can still access many features by signing in to Mobile Banking at m.wsecu.org.

Where can I download the app?

You have several options:

  • If you have an AndroidTM or an iPhone®, you can visit our online app store.
  • Visit wsecu.org from your mobile device and you will be redirected to WSECU's mobile banking site. Click on the link at the bottom "Install Mobile App."
  • For direct access to our Mobile Banking site, go to m.wsecu.org from your mobile device and click the "Install Mobile App" link at the bottom of the screen.
What security measures are taken for Mobile Banking?

Mobile Banking communicates securely with WSECU's server via our Online Financial Exchange (OFX) system. Your account information on your mobile device is protected the same way as it is for Online Banking: by multi-factor authentication through your user ID, password and device.Transactions conducted on your mobile device are protected by industry-standard 128-bit SSL encryption, which prevents any attempts to "eavesdrop" on your data. Additionally, our secure messaging (e-mail) program cannot be accessed outside WSECU's server, making it immune to spamming, spoofing or phishing. As an added security measure, you may want to consider locking your phone when not in use in case it is lost or stolen.

If I have questions or feedback about Mobile Banking, where can I submit them?

You can call our Contact Center at 800.562.0999 during regular business hours. You can also submit them in a secure message to us through Mobile Banking on your mobile device.

What is the difference between "balance" and "available balance"?

Balance is the total dollar amount that is currently in your account. Available Balance is the amount you have access to. It can be different than the balance if there are transactions that are pending, such as deposits that are being held or debit card purchases that have not been processed. Please note: Pending transaction details are not available in Mobile Banking; however, you can view them in Online Banking.

How do I add new payees in Mobile Bill Pay?

New payees cannot be added in Mobile Bill Pay – they can only be added through Bill Pay in Online Banking.

Can I delete a recurring payment in Mobile Bill Pay?

You can delete the next scheduled recurring payment, but future recurring payments will not be deleted. You can only delete recurring payments completely through Bill Pay in Online Banking.

Why do I receive a message to go to Online Banking when I click on Bill Pay?

You're receiving the message because you haven't set up your Bill Pay service yet. You'll need to sign in to Online Banking and click on the Bill Pay tab to enroll and set up your payees.

What should I do if I had my username and password saved on my mobile device and it is lost or stolen?

If your mobile device is lost or stolen during business hours, call our Contact Center at 800.562.0999 and we will remove the mobile device from our system. As an additional security measure, we suggest that you also sign in to Online Banking and change your username and password.

If your mobile device is lost or stolen and we are closed, sign in to Online Banking and change your username and password. Online Banking and Mobile Banking use the same login credentials.

Once you've changed the username and password, access to Mobile Banking through your mobile device will be denied. Please be sure to call our Contact Center at 800.562.0999 during business hours and we will remove the mobile device from our system.

Should I notify you if my mobile device is lost or stolen, even if my username and password were not saved on the device?

Yes, please call our Contact Center during business hours at 800.562.0999 and we will remove the mobile device from our system. As an additional security measure, we suggest that you also log into Online Banking and change your username and password.

What should I do with my old device when I've replaced it with a new one?

If you have downloaded our Mobile Banking app, delete it from the device and call our Contact Center during business hours at 800.562.0999 so we can remove the device from our system.

Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions.

Windows is a registered trademark of Microsoft Corporation in the United States and other countries.