Are chip-enable terminals expensive?

Are chip-enable terminals expensive? There are costs involved in upgrading to chip-enabled terminals, but those costs could be more than offset by reductions in fraud-related expenses. Merchants should contact their acquirer or payment services provider to get details about costs and other requirements for making the conversion.

Are merchants required to switch to chip-enabled terminals?

Are merchants required to switch to chip-enabled terminals? No, it’s not a requirement but it could be costly if they don’t. That’s because of the liability shift. If a merchant has not converted its payment devices to chip-enabled technology by October 2015 the merchant could be held liable for the costs of a fraudulent transaction if the person paying at the terminal has a chip card but has to swipe the magnetic stripe on the back of the card through an older terminal.

Are savings deposits insured?

Are savings deposits insured? Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. NCUA How Your Funds Are Insured Booklet

Are there any penalties if I prepay my auto loan?

Are there any penalties if I prepay my auto loan? No, you may pay off part or your entire loan at any time without incurring any penalties.

Are there other reasons merchants should have chip-enabled terminals?

Are there other reasons merchants should have chip-enabled terminals? Customers have become increasingly concerned about the security of card payments as they hear more about data breaches and the potential for credit and debit card fraud. In countries where chip cards and chip-enabled terminals have been in use, the incidence of card-present fraud has fallen. Knowing that their transactions and account information are more secure is reassuring to cardholders. The prospect of reducing the costs of fraud or related fraud should also be an incentive to merchants.

Can a chip card be used to make purchases online or by phone?

Can a chip card be used to make purchases online or by phone? Yes. There is no change to that process. Chip cards can be used to make these purchases the same way as is done today.

Can cardholders be tracked with their EMV cards?

Can cardholders be tracked with their EMV cards? No. Chip cards contain no-tracking information.

Can chip cards be used at an ATM?

Can chip cards be used at an ATM? Yes. For ATM transactions, cardholders will insert their card into the terminal and follow the instructions on the screen. Depending on the type of ATM, they might be prompted to re-insert their card. They will leave the card in the ATM until the transaction is complete and the card is released. Then they will remove their card and any money they might have withdrawn.

Can I create an alert that will notify more than one contact at the same time?

Can I create an alert that will notify more than one contact at the same time? Yes, an alert can be set up to notify more than one contact at the same time. The member needs to go to Home Banking or Mobile Banking , click on Alerts and select Contact Manager . There are (2) options - contact by email or text message.

Can I download a specific application for my iPhone?

Can I download a specific application for my iPhone? Yes, a specific application has been created that members can download directly from the App-Store. You can search for it within the App-Store by inputting the Credit Union's name (WVFCU Mobile).

Can I have my mortgage payment deducted automatically from my checking or savings account each month?

Can I have my mortgage payment deducted automatically from my checking or savings account each month? Typically, after closing your mortgage loan, you will have the option for WVFCU electronic monthly payment. You will be asked to sign our ACH Origination Form and provide voided check. The payment is typically debited on a preset payment date designated at closing.

Can I Opt-in now and change my mind later?

Can I Opt-in now and change my mind later? Yes, however we will need time to process the request, so the service may be delayed up to 2 business days before it takes effect and debit card and ATM transactions would be declined in the meantime if you have insufficient funds available in your account.

Can I Opt-Out for my child's account?

Can I Opt-Out for my child's account? Yes, an account owner can make the decision to opt-out, although we don't offer Courtesy Pay privileges for minors under the age of 18. When they become 18, they may qualify for Courtesy pay privileges, and the decision made now will continue to be in effect unless changed. However, you must be an owner on account to make a decision.

Can I stop a payment I made using my debit card?

Can I stop a payment I made using my debit card? No, we cannot put a stop payment on a debit card transaction.

Can I view a Pending Transaction in more detail?

Can I view a Pending Transaction in more detail? Yes, when a user clicks on the icon, a separate window will appear on screen. This window displays the date, dollar amount and merchant name of each pending transaction. The total amount should reflect the difference between the current and available balances on that account. <img alt="" 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" />

Can one of the joint owners on the account make the decision to Opt-In or Opt-Out or must it be the primary owner?

Can one of the joint owners on the account make the decision to Opt-In or Opt-Out or must it be the primary owner? It just requires one owner to make the decision. The last instruction we receive will be the one we follow.

Check 21: What is it?

Check 21: What is it? It is the Check Clearing for the 21st Century Act - or "Check 21" . It was created to bring the nation's check payment system into the digital age and allow consumers to benefit from better and faster financial services. Check 21 was created to improve the existing system that forces over 40 billion checks a year to be exchanged physically and transported around the country. A substitute check is a digital picture of your original check (showing the front and back with a magnetic ink character recognition line and all of its routing data) which can be processed electronically. A substitute check is the legal equivalent of your original for all purposes including requirements of state and federal law. You may receive a substitute check when you request a copy of your check.

Do I have to Opt-In or Opt-Out on all my accounts separately?

Do I have to Opt-In or Opt-Out on all my accounts separately? Yes, each checking account requires a separate decision.

Do I have to own my home to be eligible for a Home Equity Line or Home Equity Loan?

Do I have to own my home to be eligible for a Home Equity Line or Home Equity Loan? Yes, a Home Equity Line or Loan is based on the equity available on your home. You would take the equity thats available after subtracting what you owe on your mortgage (and any other outstanding liens) from your home’s current market value. If you do not own a home and need financing, look into a personal loan or a line of credit that does not rely on home equity. Example Purposes: Let’s assume the lender allows a maximum loan amount of 89% of your home’s appraisal value and your home appraises at $250,000, if you owe $150,000 on your current mortgage balance you would qualify for a credit line up to $72,500. (250,000 X 89%=222,500-$150,000=$72,500).

Do I need to make a down payment to be approved for an auto loan?

Generally, a down payment is not required to be approved for an auto loan from WVFCU. If a down payment is required in your particular circumstance, we will let you know after completing application.

Do I still have to login to the Application?

Yes, to keep your information secure you'll need to provide your normal login credentials - Username (customized ID) & password that you would use to access Internet Banking from a PC or the normal version of Mobile Banking.

Does WVFCU require property inspection?

No, but if you are buying a home, it is a highly recommended that you obtain a property inspection and make your purchase offer contingent on the findings of the inspection.

First Time Log On to The App

1st Time Logon: Click on WVFCU Mobile App on your mobile device. Click on Enroll Complete screen with - member number, social security number, email, confirm email & date of birth (submit) Complete challenge questions Create login ID & password

How are interest rates determined?

Interest rates are influenced by the financial markets and can change daily-or multiple times within the same day. The changes are based on many different economic indicators in the financial markets.

How are they protected?

All cards that we issue come with certain liability protections against unauthorized transactions in the event a card is stolen, lost or fraudulently used in a store or online. It is very important that cardholders promptly report a lost or stolen card or any suspicious transactions. Please check your agreement for account on liability and reporting requirements for unauthorized transactions. To report a dispute on Debit Card call 833-995-2888.

How can I locate an ATM surcharge free machine?

Go to www.allianceone.coop to see surcharge free ATM’s near you. Our website has a link.

How can I make loan payments online?

Yes, just go to the Transfer Tab on Mobile App or Home Banking and create your transfer. You have several options to make your loan payments: Set up electronic payment with WVFCU. You would sign an ACH Origination Request Form and provide a voided check. Make one-time payments or recurring payments in the Home Banking/Mobile App Transfers module from your checking or savings account with WVFCU. Make one-time payments or recurring payments from your WVFCU checking account with Bill Pay. Use the Loan Payment tab located on WVFCU website to make a payment. There is a fee, it is disclosed prior to submitting payment.

How can I reset my forgotten username or password?

Login - select <img alt="" src="data:image/png;base64,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" />in the upper right hand corner on Home Banking Select profile and settings Select either User ID or Password Make change

How can I start my application?

We offer many convenient ways to start the mortgage application process: Call us at 304-744-MYCU (6928) and ask for our Mortgage Specialist On our website, click on Products and then Mortgage Information - complete information 1) Complete contact information and a Mortgage Specialist will give you a call.

How do I access my loan account online?

Go to wvfcu.org and sign up on Home Banking or Mobile App. After you sign up and sign on, you can view your account activity, including payments. You can also view statements and perform online transfers from your other WVFCU accounts.

How do I activate my debit card?

How do I activate my debit card? It is now easy to activate and re-pin your debit card. On all new issues and reissues there will be a sticker on the card with the toll free number. To activate and set a PIN call 1-855-726-4885. Must call from a telephone number we have on file . A member can still walk into a branch to activate a card and set pin number but you can no longer activate at an ATM as of 8/4/15. If you receive an instant issue at branch, customer service will automatically activate and set pin. If you experience any problems call 304-744-MYCU (6928). Consumer Debit Card Activation Information needed: Last 4 of social security number CV2 (3 digit value on back of card) Date of birth Business Debit Card Activation Information needed: Last 4 of Tax ID CV2 (3 digit value on back of card) Zip code (on file)

How do I add a joint party to an existing account?

Y ou must come into one of our local branches and meet with our Member Services Representatives to revise the account signature card. Please bring with you the individuals you wish to add to the account. Make sure they bring their driver’s license or some form of proper identification.

How do I add or change account beneficiaries?

Visit your local branch to add or change beneficiaries, make sure to bring the appropriate information regarding the beneficiaries you want to add or change. Such as name, social security number, date of birth, address and phone number.

How do I change my name on my account?

Y ou must come into one of our local branches and meet with our Member Services Representatives to revise signature card. Please bring appropriate documents such as marriage license, divorce decree or new driver’s license indicating name change.

How do I enroll for Home Banking?

Visit our website at wwvfcu.org and go up to Home Banking Login, and follow the steps listed below: Click Enrollment Tab Sign up by completing member number, email, confirm email, social security number and date of birth, acknowledge agreement and click sign up Temporary password will be sent by email Login with User ID (member number), and temporary password Update new Login ID, Confirm Login ID, Password (temporary), Type new password, confirm new password and click update password Complete challenge questions

How do I get a replacement debit card?

There are several reasons why someone may need to replace a card. The card could be lost or stolen, damaged or is expired. If any of these situations occur, either call or stop into your local branch and see a Member Service Representative. WVFCU offers instant issue at our branches. You will receive a card within 10 minutes. Our main number is 304-744-MYCU (6928).

How do I handle an unauthorized transaction on my account?

If your WVFCU Debit Card has been lost, stolen, or you suspect unauthorized use, have peace of mind knowing you will not be responsible for unauthorized purchases. Report it to WVFCU immediately by calling (304) 744-MYCU (6928). After hours, call (800) 554-8969. To protect your account from unauthorized use, memorize your PIN. Do not keep the PIN with your Debit Card. To dispute an authorized transaction, call 833-995-2888.

How do I know it is a Pending Transaction?

When the system detects a variance between the current and available balances, an icon will appear next to the account name indicating that Pending Transactions may be available to view.

How do I log in Mobile Banking?

You log into Mobile Banking by selecting your internet browser and typing our website wvfcu.org . Once at our site you will enter 1)Login ID, 2) Your password, and 3) Answer Security Question 4) Enter email . Because security is always of great concern to WVFCU, our Mobile Banking feature includes a Multifactor Authentication process to identify your phone.

How do I opt in to authorize and pay overdrafts on my ATM everyday debit card transactions?

It’s easy, just call WVFCU and speak with a member services representative at 304-744-MYCU (6928) for this request or go to our website at wvfcu.org and click on our Courtesy Pay Plus Opt In form to get started.

How do I return merchandise purchased with my debit card?

Returns are made the same way you do with a Credit Card purchase. It is best to save both your cash register receipt and the transaction receipt until you are certain you are satisfied with your purchase. If you return an item, the purchase price will be credited to your checking account. Just like a debit card purchase, it may take a few days for the amount to be credited.

How do I use my debit card at an ATM machine?

Simply insert your card into the Automated Teller Machine (ATM), enter your Personal Identification Number (PIN) , and the screen will lead you through the transaction. You can withdraw cash, transfer funds between accounts, check your account balances.

How does a member create an alert?

To create an alert, click on the blue tab "Your eBranch" and select "Alert Center". To setup the type of contact you want such as email or text, click on "Contact Manager" and complete information. Then select the "Alert Manager" tab and click on the blue link "Add a New Alert" and complete the type of alert you want to establish.

How is the interest rate calculated on a Home Equity Product?

Home Equity Line of Credit has a variable interest rate that is calculated by adding a preset margin (as defined in your Home Equity Line of Credit Agreement) to the Wall Street Journal Prime Rate. Your rate and payments will increase or decrease as the Prime Rate changes. A Home Equity Loan has a fixed interest rate that is set at the time you close your loan, so your interest rate and monthly payments will not change with rate fluctuations.

How much can I borrow with an auto loan?

The amount of money you are eligible to borrow is based upon several factors including the type of vehicle, and your credit and financial profile.

How much can I contribute this year to my Traditional or Roth IRA?

Maximum contribution is $7,000 per year. The "catch-up contribution" for those over 50 remains $1,000.

How quickly can I close on a Home Equity Line or Loan?

You can close your loan within 10 business days if you qualify. In order to qualify, you must meet certain credit criteria and be eligible for an automated valuation appraisal. The average time for closing a loan varies, but generally loans close within 15 to 20 business days.

How quickly can I get approved for a Home Equity Line or Loan?

T he average number of days from application to approval will vary: 7-10 business days is typical. Depending on your credit history, the equity in your home, and the loan program selected, sometimes we may be able to approve your loan in less time subject to verification of your application information.

I have lost my checkbook, what should I do?

Lost or stolen checks should be reported as soon as possible by stopping in or by telephoning your local West Virginia Federal Credit Union branch, our Automated Directory is 304-744-MYCU (6928).

I've lost my VISA Checkcard, who do I contact?

Report it to WVFCU by calling 304-744-MYCU (6928) or after hours call VISA at 888-263-3370. We will immediately reissue a new card.

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