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Can I set up automatic payments in Bill Payer? Simply click the AutoPay link under individual payees to prevent missed payments. AutoPay: You can set up automatic payments according to your preferred schedule weekly, monthly, semi-monthly, etc. You can change or cancel AutoPay at any time. AutoPay for eBills: You can set up some eBills to be paid automatically according to options you select.

You can change or cancel AutoPay for eBills at any time. How much Bill Payer transaction history will be stored? What happens if funds are not available in my account? Can I order a new debit card on Manage My Cards? Please call and a Member Service Representative will be able to assist you. What does suspending my card in Manage My Cards prevent me from doing? Are there early withdrawal penalties for Certificates?

Is there a grace period for Certificate renewals? Can I switch my current checking account to a High-Yield Checking account? How can I open a First Class Checking account? How often are dividends paid on my High-Yield Checking account? Dividends are paid monthly for example: January 1 — January Is this account eligible for Overdraft Protection?

What is considered a debit card transaction for High-Yield Checking? Will I be notified if I am at risk of not meeting the monthly requirements for my High-Yield Checking account? If you have met all requirements for the month you will not receive an alert. How can I prevent my contactless card from being charged accidentally?

How does contactless technology compare to Apple Pay? You can still pay by inserting or swiping your card as usual. Will I automatically receive a contactless card? Does Wings offer a rewards credit card? How can I apply for a credit card online? How can I make credit card payments? Do Custodial accounts earn dividends? Yes, Custodial accounts earn quarterly dividends, just like Share Savings accounts.

What do I need to open a Custodial account? What happens to a Custodial account when the child is no longer a minor? Who can make transactions on a Custodial account? Can I use my debit card while travelling internationally?

How do I change my personal identification number PIN for my debit card? How do I order a new debit card? Call Member Services at 1 to have one ordered for you. Are there dollar amount limits for Mobile Deposit?

These limits may change over time depending on a number of member account factors. How do I sign up for Bill Payer? Why don't I see Mobile Deposit on the app anymore? How can I add my card to Apple Pay? Choose a verification method: text, email or phone. Need help? Call 1 , Opt. How do I add my card to Samsung Pay?

Using the camera, align your card inside the frame to automatically detect the card number and expiration date. If your camera cannot detect the card details, select "Enter card manually" to fill in the details. Fill in the remaining information and select "Next"". If requested, enter your billing address and select "Save". How do you add a card to Google Pay? How does Apple Pay work?

If my phone with Apple Pay is stolen, can anyone use the phone for a purchase? What device requirements are there to use Google Pay? What do I need to use Samsung Pay? What is my virtual account number in Google Pay? Why do I need to verify my Wings card for use with Apple Pay? Are there fees for using EasyVest? Can I add a joint owner to my EasyVest account? Can I set up recurring transfers into my investment account? Can I switch to different investment portfolios?

Can I withdraw or transfer funds from my account? How can I monitor my investments? How do I open an account with EasyVest? Then using data-driven algorithms, EasyVest will suggest a diversified portfolio tailored to your goals, risk tolerance and timeline.

If you agree with the suggestion, you will fund the new investment account by a transfer from an existing saving or checking account. Is it possible my investment could lose money? Is my investment protected by insurance? Is there a minimum amount to use EasyVest? What does it mean for an account to be rebalanced?

What types of securities will I be investing in? How do I receive my Tax Form? How do I sign up to receive eStatements? Scroll to "eDocuments" under the "Benefits" section. Where can I access tax forms online? Which documents are available as eDocuments? Account statements; Tax documents like s, , and ; account notices. How do I become a member?

Opening your account at Wings can be done online, in-branch, or by mail. Anyone who works or has worked in the aviation industry nationwide Anyone who lives or works in the Seattle-Tacoma, WA metro area Anyone who lives or works in an eligible Michigan county Anyone who lives or works in an eligible Florida county Individuals who are members of the Wings Financial Foundation Immediate family members of a current Wings member. Once you become a member of the Wings Financial family, you belong for life — no matter where you live or work.

We take pride in treating you like an individual, not an account number. Wings is a not-for-profit institution, where members are co-owners. You benefit from our success in the form of better rates and fewer fees. Do I need to enroll or re-enroll to receive my score? Answer: Yes. How often will my credit score be updated? If my credit score changes, will the rate on my loan s change?

What goes into credit scores? What is a credit score? What is in a credit report? What makes up my VantageScore? Where can I see my credit score? First, enroll in credit score reporting.

Why did Wings change to VantageScore? It offers these benefits: VantageScore has the full backing and support of all three national credit reporting bureaus: Experian, Equifax and TransUnion.

It's more predictive than other models. VantageScore includes trended data, which provides a more holistic view of your creditworthiness, instead of relying on one monthly snapshot in time. VantageScore uses advanced algorithms that allow accurate scoring of individuals with dormant credit histories, allowing more consumers to be scored and gain access to credit. The new VantageScore 4. In use for more than 13 years, VantageScore is trusted by thousands of lenders and 9 of the top 10 largest financial institutions.

Why is my credit score different with VantageScore? Also: Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.

If your score declined to an extent that you think lenders will offer you poorer terms and higher rates: Examine the reason codes provided with your score to understand which behaviors are causing the decline. Consider using a credit monitoring tool that provides recommendations for improving your score. Check your credit reports for accuracy. Why might this credit score differ from a score I see on a loan application?

Will getting the scores through Wings affect my credit score? How do I know how much I can afford as a first-time homebuyer? How much of a down payment will I need as a first-time homebuyer?

What is escrow? Do I need to sign up for Automated Fraud Alerts? What are Automated Fraud Alerts? What are the calling times for Automated Fraud Alerts? The SMS texts for fraud alerts will come from With Automated Fraud Alerts, will my card in question be blocked if Wings cannot reach me after the 5th attempt? Are there closing costs for a Home Equity Line of Credit? Is the interest on a home equity loan or line tax-deductible? A portion of your interest may be tax-deductible consult your tax advisor.

What does it mean to make interest-only payments? Are there closing costs for a Home Improvement Loan? No, there are no closing costs on a Home Improvement Loan.

What is the maximum amount I can borrow for a Home Improvement Loan? Currently you can only order and pickup foreign currency through Wings. Do I need to receive paper statements or can I get my statements electronically? Please note that it is important to always keep your email address current in our system Questions?

Call us at 1 , option 5. How do I make an external transfer? To make an external transfer: Log into Cu Online Click on the "Move Money" link at the top and select "External Accounts" The receiving member must be an account holder of the External Account, and while external transfers are available nationwide, they are not available to international financial institutions.

How do I reorder checks? If you are reordering Wings checks, you can place your order one of two ways: Log into CU Online and click on the ""Member Services"" link in the upper right. Next, click on the "Order Checks" link on the right-hand side under Account Services. Reorder checks here from our provider, Harland Clarke. You will need your check reorder slip found in your last box of checks or a check.

Enter the unique Reorder Identification Number and the start number listed on your reorder form. If you do not have the Reorder ID, you can also reorder checks by entering information found on your check. Members receive one free box of checks when account is opened not including shipping when you chose one of these two check series. How quickly will my foreign currency order arrive? Most currencies will arrive the next business day when ordered before the cutoff time.

What is the cutoff time for ordering foreign currency? Where are your ATMs located? Who can order foreign currency? We assist members with their foreign currency needs. Non-members are not eligible for foreign currency exchanges or pickups. Your beneficiaries will be notified and funds will be distributed accordingly. What is a Roth IRA? What is an IRA? Traditional IRAs allow you to defer taxes on your contributions' earnings until they are withdrawn.

Roth IRAs allow only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period. Coverdell Education Savings Accounts CESA are non deductible accounts that feature tax-free withdrawals for a child's education expenses. Where can I open an IRA? Available at branch locations or by mail. What is The Wings Financial Foundation? What is a Credit Union and how do they differ from banks?

Can I use my airline miles or hotel rewards through the Member Rewards Travel booking site? Yes, although rewards eligibility is dependent upon the travel merchant. Can you use travel vouchers and Member Rewards points at the same time?

How do I make changes to my travel itinerary? How soon will I receive my statement credit for a travel booking? If I cancel my trip or receive a refund, how soon will I get my points back? Why do I have to provide a Credit or Debit card for travel? How often can I redeem my points for rewards? You can redeem your points as often as you'd like, as long as you have enough points in your account. What types of transactions earn points?

Will a travel booking be marked as a pending charge or will it post to my account? Your booking will post to your account before the statement credit is issued.

Will I be automatically enrolled in Member Rewards? How do I access Money Tracker? How much history is available for accounts in Money Tracker? Is there a fee for Money Tracker? How do I know how much I can afford? How much of a down payment will I need? How is it different than FDIC? Is my money still safe? What is NCUA? Is a conversation with a Personal Teller private? Is there a fee to use a PTM? What does the PTM do? What is a PTM? What transactions can a member complete using a PTM?

Why is Wings using Personal Teller Machines? Do referrals expire? Yes, a referral is good for days. Do you need to be a Wings member in order to make a referral? How will I receive my Reward Card? The person I referred never received the ReferLive email to complete their portion of the online registration. What should I do? Contact the Customer Service team by email at info referlive. Customer Service hours: Monday — Friday am — pm. Do you offer Health Share Savings?

What are the current savings rates? What dividend rate will my Holiday Club savings earn? Holiday Club accounts earn the same dividend rate as a Share Savings account. What types of Savings Accounts does Wings offer? See our IRA page for more information.

When do my Holiday Club account savings become available? Will I have access to the funds in my Holiday Club account? Can I opt out of Voice ID? Can my voiceprint be stolen? How do I start using Voice ID? How many voiceprints can be on my account?

What if my voiceprint isn't recognized? What is a voiceprint? Will it still work if my voice changes due to a cold? Not finding what you're looking for? Find the phone numbers and other information you need to get in touch with Wings Financial. Educational Center Wings offers many opportunities for members to learn how to improve their financial health. With free financial education opportunities that range from online modules to in-person classes, we can help you with any financial situation.

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