Workers Credit Union

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Money Mover

Welcome to Money Mover! - The next generation of on-line personal finance management. With the fully interactive on-line Funds Transfer, you may transfer funds from any of your accounts at Workers' to any other account held by you or another person at the same or another financial institution.

Important Information Before Signing up

Money Mover is email based. All communications and notifications will be sent via email. It's recommendable that you keep your email address up to date. To update your email address please sign on to Home Banking, go to user options and then click on E-mail Address. To register, log in to home banking, click on Money Mover and then click on Funds Transfer.

Frequently Asked Questions

1. Who is Cash Edge? - Cash Edge is our third party processor that handles our online inter-institutional transfers.
2. Third Party Accounts - Account held at another financial institution in which you are a secondary owner or not an owner. Third party accounts are set up to only accept incoming transactions. Outgoing transactions from third party accounts into Workers' Credit Union are not allowed.
3. Approved Accounts - Accounts held at Workers' Credit Union and accounts held at other financial institutions in which the user is the PRIMARY owner of the account. Approved accounts are allowed to do inbound and outbound transfers.

Registration and Sign Up

1. Why do I have to verify my external accounts?
   We do everything possible to protect your security and maintain the integrity of the payments network. The account verification procedures are double-check safeguards that help us make sure nobody sets up your accounts but you.
2. Can I make changes to my account portfolio after the initial set-up?
   Absolutely. You can easily add or delete accounts at any time from the Overview page.
3. How often will I have to go through the account verification process for the external accounts?
   For your protection, we'll ask you to a complete the individual account verification process for each account you set up in the first session and for any accounts you add thereafter. For the accounts held outside of Workers' Credit Union, Account Ownership Verification is a one-time exercise you are required to complete when setting up external accounts. Once the set up is complete, it is a single point and click user experience to schedule a transaction from those accounts.

Add Accounts
Account Type Eligibility
External bank and investment accounts

1. Which accounts are eligible for the Money Mover service?
   At this time, you can add the following accounts to your Transfer Funds Portfolio. Checking accounts and savings accounts held at any commercial bank or credit union nationwide that is able to accept ACH transfers. (In other words, just about all of them. Contact your institution if you're not sure.)

   Investment accounts held at any of our affiliated online brokerage firms. We currently have accessibility to most of the nation's largest brokerage companies, and we will be adding several major brokerages in the near future. We'll keep working to expand this roster steadily in the months ahead.
   
   Please note that the accounts held at this financial institution will be auto enabled for this service. All your other external accounts will be required to complete our simple account ownership verification process.

2. Which account types are not eligible for the Money Mover service?
   The following accounts are not eligible for the Workers' Credit Union Money Mover Service:
   1. Individual Retirement Accounts (IRAs)
   2. Custodial and/or Trust Accounts
   3. Business Accounts for which more than one person has check-writing privileges
   4. Certificate of Deposits (CDs) or other time-based accounts
   5. Loan Accounts (including credit card and equity accounts)
   You may have other accounts that are ineligible for this service due to restrictions specific to your financial institution(s). If in doubt, please contact your institutions to ensure that your accounts are eligible for Transfer Funds service.
3. Can I add my savings account to my Accounts Portfolio?
   Savings accounts are eligible for the Workers' Credit Union Money Mover Service. However, many institutions place transaction limits on savings accounts. As with all other accounts, any limits and conditions placed on transactions into or out of your savings account by your institution will apply to transactions executed through CashEdge.
4. I'm not new to this service. How do I add accounts to my previously established portfolio?
   The procedures for adding new accounts to a previously established portfolio and for adding accounts to a brand new portfolio are exactly the same. If you remember how the process worked the first time, go to it. If you'd like a refresher, just follow along with the step-by-step explanations below.
5. How do I get started adding accounts to my Accounts Portfolio?
   Start at your Overview page:

   If you're building your Account Portfolio for the first time, you'll be brought to your Overview page automatically after completing the sign up process.

   To get started, click Add Accounts from the menu bar. Enter the name of the financial institution in the Search box. It will come back with a list of financial institutions that match with your search criteria. Select your financial institution and you will be asked to enter the required information to set up that account.

6. What is the definition of a bank account for the purposes of this service?
   Checking accounts, money market accounts for which you have check-writing privileges (other than those held through brokerages) and savings accounts are eligible for the Transfer Funds as bank accounts. You can add accounts held at credit unions by selecting the Add Bank Account link.
7. How do I add bank accounts to my Accounts Portfolio?
   Clicking Add Accounts from the menu bar and you will be taken directly to the Add Bank Accounts page. You can search for your financial institution either by name or by 9-digit ABA/Routing Number. In many cases, we'll be able to verify the account with your institution automatically through our online account verification process. For other accounts, just follow the trial deposits verification steps.

   Step 1--Entering your institution name
   Enter the name of your financial institution in the data entry field. For best results, please enter a significant portion of the institution name. Note that typing the full institution name may prevent a successful search if our database doesn't include the name exactly as you've entered it. Finally, do not use abbreviations. See the examples on the Add Bank Account screen for hints on how to best enter your institution name in the data field.

   Once you perform the search, you'll see hyperlinks for one or more institutions matching your search data. Click on the link for your institution.

   Alternatively, you can search for your institution by entering the 9-digit ABA Routing number usually found at the bottom of your check on the left hand side.

   Step 2--Providing account information
   You'll be brought to a screen asking for the account number and ABA routing number of your account. Enter the account number in the data field and select the proper ABA routing number from the drop-down list. See below for information about ABA Routing/Transit numbers, including what they are and how to find yours.
   
   Online account verification: We can often verify the account with your institution immediately via the Internet. If this is the case, you'll also be asked to supply the login credentials you use to gain access to your online account with that financial institution (not your Workers' Credit Union user name and password).

   If online account verification is not available, you'll be asked to complete our convenient trial deposit verification process. See below for details regarding online and offline account verification. When you have supplied all requested information, click Continue. You will be brought to your Overview page.

   • If you have completed a successful online verification, the account will be listed under box called Approved Accounts. This account is now ready to be used with the Transfer Funds.

   • If trial deposit verification or offline verification is required, the account will appear under Accounts Requiring Verification box.
     

   Step 3--Adding additional accounts
   To add one or more additional bank accounts to your Accounts Portfolio, click Add Accounts at the top of the page. You'll return to the Add Bank Accounts page, where you can simply repeat the process described above until you've submitted all the bank accounts you wish to enable for Transfer Funds.

   To add investment accounts, click Add Accounts to return to the Add Bank Accounts page. Click Add Investment Accounts. (See below for details about adding your investment accounts.)

   Step 4--Verify your accounts
   For your protection, before we activate your new accounts to be used with this service, we'll verify each account with your financial institution(s).

   • Your accounts held at this financial institution will be auto-enabled for this service.

   • The external accounts that you have submitted for this service and that could not be verified online appear on your Overview page under the box called Accounts Requiring Verification.

   • To complete the verification process, just click on the Verify link next to that account under the Accounts Requiring Verification box.

8. Why doesn't the search or alphabetical list produce a match for my financial institution?
   1. Your search may not be successful if you've included an abbreviation in the search criteria or entered the institution name in a way that's inconsistent with its listing in our databases (see the search hints on the Add Bank Accounts screen). Try entering the institution name again, a little differently. Check for spelling errors and other typos.
   2. You may be entering in institution that isn't in our database yet. While our listings include over 23,000 banks and credit unions in the U.S., there are still a few, especially smaller institutions that are not yet included.
   3. You may be trying to enter an account type that is not eligible for Transfer Funds. Bank accounts currently eligible to be added to your Portfolio generally include checking accounts, money market accounts for which you have check writing privileges, and savings accounts.
9. What is an ABA routing number?
   The ABA routing number is an identification number assigned to each financial institution and each branch office. That's why the larger your institution, the more ABA numbers appear in the drop-down list on the data entry screen. It is usually a 9-digit number bound at the bottom of your check usually on the left hand side.
10. How do I identify the ABA routing number for my account?
    Take a look at your check. You'll see a printed row of numbers, usually at the bottom of the check. The ABA routing number is the nine-digit sequence that appears between the symbols.
11. How do I find my account number?
    You can find your account number on your account statement, and it's also printed on your check, in that same row of numbers where you found your 9-digit ABA Routing/Transit number. Your account number appears on your check between the symbols.

Add investment accounts

12. What is the definition of an investment account for the purposes of Transfer Funds? An investment account is the cash account (usually a money market account) that you hold at your brokerage. This is where your brokerage holds the funds you use to make stock, mutual fund and other investment purchases, and where the brokerage deposits the proceeds from the sales you execute.
13. Which brokerages are accessible for Transfer Funds?
    The Transfer Funds allows you to add investment accounts from any of our affiliated online brokerage firms. We are proud to offer access to most of the nation's most prominent brokerage companies, and we'll be adding more major brokerages in the near future. We'll keep working to expand this roster steadily in the months ahead.
14. How do I add investment accounts to my Accounts Portfolio?
    Click Add Accounts at the top of the Overview page. You'll be brought to the Add Bank Accounts screen. Click Add Investment Accounts. You'll be brought to the Add Investment Accounts screen.

    Step 1-Select a brokerage
    Click on the name of your brokerage if it appears on the Available Brokerages list.

    Step 2-Enter account information
    You'll be brought to a screen asking for the information we need to verify an account at your brokerage. Depending on your particular brokerage, you may be asked whether or not you have check-writing capabilities for your account. If your account includes check-writing privileges, you'll be asked for the ABA routing number that appears on your check.
    Online account verification: We can often verify the account with your institution immediately via the Internet. If this is the case, you'll also be asked to supply login credentials you use to gain access to your online account with your account provider. (Not your Workers' Credit Union user name and password).

    If online account verification is not possible, you'll be asked to complete our convenient trial deposit verification process. See below for details regarding online and offline account verification.
    When you have supplied all requested information, click Continue. You will be brought to your Overview page.

    • If you have completed a successful online verification, the account will be listed under box called Approved Accounts. This account is now ready to be used with the Transfer Funds.
    • If trial deposit verification or offline verification is required, the account will appear under Accounts Requiring Verification box.

    Step 3-Adding additional accounts
    To add additional investment accounts, simply return to the Add Investment Accounts page and repeat this process.

    To add bank accounts, click Add Accounts to return to the Add Bank Accounts page. (See above for details about adding your bank accounts.)

    Step 4-Verifying your accounts
    For your protection, before we activate your new accounts for this service, we'll verify each account with your account provider(s).

    • The accounts that you have submitted for this Service and that could not be verified online appear on your Overview page under the box Accounts Requiring Verification.
    • To complete the verification process, just click on the Verify link next to that account under the Accounts Requiring Verification box. (See below for details regarding account verification.)
    • What if my brokerage doesn't appear on the "Available Brokerages" list?
      Unfortunately, if you don't see your brokerage in this list, you won't be able to add accounts held at that institution to your Funds Transfer Portfolio.

Account Ownership Verification

16. How do you verify my accounts with my financial institutions?
    • In many cases, we can complete online confirmation of individual bank and brokerage accounts for which you have Internet access within just a few minutes.
    • For other accounts, we'll ask you to complete the trial deposit verification process.

Online account verification

17. When is online account verification possible?
    Online verification is possible when you have online access to a bank account.

    Workers' Credit Union has online verification arrangements with a select group of banks, including some of the most prominent financial institutions in the country. Accounts held at these institutions are eligible for our automatic online verification process. We'll be constantly working to expand this group, to make adding accounts to your Transfer Funds even easier in the future.

    Check with your institution if you're not sure about your access status or passwords for any of your accounts. Please see our full-length Privacy Policy for details about how we protect the passwords and user names you share with us.

18. What's the process for online account verification?
    • When you enter the name of your financial institution on the Add Bank Accounts screen, you'll be brought to the data entry screen for that institution, where you'll be asked to provide the bank's ABA/routing number and your account number. If online verification with the institution is possible, you'll also be asked for the login credentials such as, pin number and/or user name you employ to gain access to your accounts at the account provider web site.
    • If you have online access to this account, provide all requested information. Click Continue. We will automatically attempt to verify the account with your institution online. This will take only a minute or two. (Please see our Privacy Policy if you're concerned about sharing passwords and pin numbers.)

    You'll be brought to your Overview page.

    • If online verification is successful, the account will appear under Approved Accounts and is available for scheduling transactions.
    • If online verification is unsuccessful, the account will appear under Accounts Requiring Verification. These are the accounts waiting to be confirmed with your institutions via the offline verification process.

    You can try the online verification process for this account once more by clicking the Verify link next to the account listing. You'll be asked to supply your account information again. When you've done so, click Continue. We will try a second time to confirm your account with your financial institution. If this second attempt is successful, the account will appear under Approved Accounts. If the second attempt is unsuccessful, the account will remain in the Accounts Requiring Verification box.

19. What if I don't have online access to the account?
    Just provide your account number and ABA number, leave all other information fields blank, and click Continue. You'll be brought to the Overview page, and the account will appear under Accounts Requiring Verification.

Trial deposit verification

20. How can I get my external accounts verified using Trial Deposit verification Method?
    For any reason, if your account cannot be verified using real time online verification method, you will be automatically directed to the page where you can initiate the trial deposits. On receiving your instruction, CashEdge will make one or two deposits into your account. You will be asked to confirm the amount of deposits.

    Once you know the amount of deposits by calling your financial institution or from your account statement available online, just login to your account and click on Verify next to the account under the box Accounts Requiring Verification. You will be taken to a screen where you can enter the amount of deposits. If the amounts entered are correct, your external account will be enabled for the service. The account will now show under the box Approved Accounts on the Overview page.

21. What do I have to do to get my accounts verified using Trial Deposits Verification?
    If for any reason, you do not want to get your account verified online, you can always get it verified using Trial Deposit Verification. Just click on the link Trial Deposit Verification and follow the simple instructions. On receiving your instruction, CashEdge will make one or two deposits into your account. You will be asked to confirm the amount of deposits.
22. How do I find out the amount of deposits made by you to get my account verified?
    The trial deposit transactions can be identified as from TRANSFER or ACCOUNT VERIFY in your account statement. You can find out the amount of deposits made by us in a number of ways:
    • Call your financial institution.
    • Review the account statement available online on your financial institution web site.
    • Review your monthly statement.
23. How long does it take to get my accounts verified using Trial Deposit Verification?
    The trial deposit transaction(s), if posted successfully to your account are available within 2 business days from the day you registered your account to the Transfer Funds. Sometimes, the trial deposit verification can take longer than that based on how long your financial institution takes to post the transfer.
24. What do I do if the trial deposit(s) made to my account fails?
    If the trial deposits made did not post successfully to your account, you will be notified by email. Also, when you click on Verify link next to the account from the Overview page, the link will take you a screen showing the status of the transaction as "Failed".

    We suggest that you double check the account credential entered. If incorrect, delete and add the account again with the correct account details.

25. What's the process for trial transfer verification?
    After you have finished submitting your investment and/or bank account information, click Continue. You will be given instructions on how to complete the trial deposit verification process. When you click Submit, CashEdge will initiate one or two trial transfers to your account. The transfer will usually be posted on your account within the next 2 business days.

    You can then identify the amounts either by calling your financial institution, by viewing the balance online, or by reviewing your monthly statement. The trial transfer transactions are identified as from TRANSFER or ACCOUNT VERIFY.

    You can then return to the Overview page, and click Verify next to the account record. You will be asked to enter the amounts of the transfers. If the values match, the account is approved and will show under the box Approved Accounts on the Overview page.

Offline account verification

26. How can I tell which accounts still have to be verified with my institutions?
    For your protection, every external account you submit for the Transfer Funds must be verified with your institution before getting enabled for the service. All accounts still pending verification will appear in your Overview page as Accounts Requiring Verification. We ask you to help us complete the verification of these accounts by completing the simple verification process based on the method selected by you.

Money Mover
Introduction to Money Mover

1. How does Money Mover work?
   Workers' Credit Union processes Electronic Transfer Funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. Workers' Credit Union submits a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll and that financial institutions use to carry out automated payments for loans or mortgages.
2. When do you execute my Transfer Funds request?
   Your Transfer Funds request enters into the ACH system on the business day following receipt of your request, provided you've made your transaction request Transfer Funds Execution message by 4:00 p.m. Pacific Time (7:00 p.m. Eastern Time).

   If you initiate a Transfer Funds after the daily cutoff time, the transfer will be posted two business days following the request date. Please note that all Transfer Funds requested during the weekend (after the Friday cutoff time) will be posted on Tuesday.

   Depending upon the financial institution, it may take an additional business day for the transaction to be reflected in the account balance of the destination account.

3. Can I transfer funds into someone else's account?
   Yes. Using the Pay People service you can send money to someone else.
4. Can I set up a Transfer Funds now to be executed at a future date?
   Yes, you can.
5. Can I set up regularly recurring Transfer Funds?
   Yes, you can. 
6. Can I use this service to transfer money between accounts at the same financial institution?
   You can if you wish, but it's generally quicker to use your financial institution's banking network to complete this transaction.
7. Can I transfer money internationally using the institutional fund transfer between my accounts?
   No, this facility is still not available due to international legislation that varies across the nations. We regret the inconvenience.

Transfer Types

8. How do I use this service?
   You can use this service to transfer funds into and out of your accounts held at Workers' Credit Union, respectively from and to your accounts held at other financial institutions.
9. Why can I not move my funds between my accounts held at other financial institutions using this service?
   This service can facilitate movement of funds only between your accounts held at Workers' Credit Union and your accounts held at other financial institutions. It does not support movement of funds between your accounts held at other financial institutions at this time.

Standard

1. What is a Standard Transfer?
   These regular fund transfer that take 3 business days to settle after the transaction request
2. What do the directions INTO Workers' Credit Union and OUT OF Workers' Credit Union for Funds Transfer mean?
   The INTO Workers' Credit Union Transfer Funds stands for the funds that come into your account and your account gets credited by the amount. The OUT OF Workers' Credit Union Transfer Funds stands for the funds that move out of your account and your account gets debited by the amount.

Premium

1. What are the premium products available?
   Apart from the regular transfer called Standard, there is a Premium service available where the funds reach the destination account within the next business day.
2. What is Premium Transfer?
   These are Inter-Institutional fund transfer for which settlement takes place on the following day of the transfer request. The complete transaction details are released to ACH on the day of the transfer request.
3. How do I know that my account is eligible for a particular product?
   When your account becomes eligible for a particular product you can view the icon of the product (for example,) next to your account under the Transfer Funds tab.
4. What are the qualification rules for Premium?
   To be eligible for Premium service your account has to meet certain conditions: Generally, you must maintain your account in good standing with your financial institution without any non-sufficient funds experience and you must not have had any negative experience like non-sufficient funds, revocation of authorization or have stopped payment on the same account after executing a transfer using the service or execute a transfer on a closed account among other things. Finally, a successful completion of $500 from the same external account into your host account at least 60 days prior is required to make the external account eligible for Premium service. Once your external account becomes eligible, you must have at least $750 in your account to transfer money from your external account. And when transferring money out of your account you must have at least $750 after adjusting for the current transaction and the ones that have not been released to Automated Clearing House (ACH).

Request a Transfer

1. How do I transfer funds between my enabled accounts?
   Just click Transfer Funds tab at the top of your screen. You'll see a listing of all of your Transfer Funds enabled accounts. Simply select the accounts you want in the Transfer From and Transfer To columns, enter a transfer amount in the data field, and click Confirm.

   You'll be brought to a Confirmation screen where you'll see the details of your Transfer Funds request.

   • If everything is correct, click Submit.
   • To cancel click Cancel.
   • You will be returned to your Overview screen, where you'll be given a reference number for your transaction. The details of the transfer will also appear in the Recent Transactions area near the top of the screen.
   • The transfer will also appear on the History page, which offers a detailed view of your Transfer Funds history including the status of all transactions executed over the past 12 months.
2. When do you execute my Transfer Funds request?
   Your Transfer Funds request enters into the ACH system on the business day following receipt of your request, provided you've made your transaction request Transfer Funds Execution message by 4:00 p.m. Pacific Time (7:00 p.m. Eastern Time).

   If you initiate a Transfer Funds after 4:00 p.m. Pacific Time (PT), the transfer will be posted two business days following the request date. Please note that all Transfer Funds requested during the weekend (after 4:00 p.m. PT on Friday) will be posted on Tuesday.

   Depending upon the financial institution, it may take an additional business day for the transaction to be reflected in the account balance of the destination account.

3. Why don't all of the accounts I've submitted appear on my Transfer Funds page?
   Your account(s) can only be enabled for Pay People after it has been verified with your financial institution. Check your Overview page. If verification of the account is still pending, or if you haven't begun the offline verification process, you'll see the account listed under Accounts Requiring Verification.

   When the verification process has been completed, the account will automatically be listed under Approved Accounts and appear on your Transfer Funds page. You can now schedule transactions from this account.

   Please see above for more details about Account Verification, or contact Workers' Credit Union Member Information Center via email or at 978-345-1021.

Transfer Limits

4. How much money can I transfer per transaction and per rolling 30-day Period?
   Once your accounts have been verified, you will be able to transfer funds as detailed here:

The monthly limit is based on a rolling 30-day period.

When a new transfer is attempted, a rolling 30-day period is used to calculate funds available for transfer. All transfers made within the last 30 days are subtracted from the 30 day Period Transfer Limit to determine the funds available.

5. Do account transaction limits and/or fees assigned by my financial institution apply to the Money Mover service?
   Yes. In all cases, limits and conditions placed on account transactions by individual financial institutions apply to Transfer Funds executed through Transfer Funds. Please note that your external account financial institution may charge any and all fees resulting from such conditions to you. If in doubt, please contact your financial institutions to determine whether restrictions and/or conditions, including fees, pertain to transactions made into or out of any of your accounts.
6. How are funds available calculated under the rolling 30-day Period Transfer Limit?
   When a new transfer is attempted, a rolling 30-day period is used to calculate funds available for transfer. All transfers made within the last 30 days are subtracted from the 30 day Period Transfer Limit to determine the funds available.

Fees

1. How much will the Money Mover Service cost?
   See below to learn more about the charges applicable to the Money Mover service.

Cancel a Transfer

1. What should I do if I wish to cancel a Transfer Funds request?
   You can cancel your request anytime before the cut-off time. Once your Transfer Funds request has been transmitted to ACH, you can not cancel the transaction. Your best bet is to request a second transfer between the same two accounts sending the funds back to their point of original (in effect reversing your first transfer).

   It is simple to cancel the transaction before the cut-off time. Just click on the Cancel Link next to the transaction on the Overview page and follow the simple instructions.

Transfer Status

1. How will I know when a transfer is complete?
   Your Transfer Funds Status screen provides an up-to-date status report of all your Transfer Funds requests over the past twelve months. Each transfer request is displayed along with the date and status of the transaction. You can see at a glance whether a transfer is complete or still in progress. You'll also know right away if we're unable to successfully execute a transfer, with full details about the transaction just a click away.

   You should also be able to confirm the completion of the transaction with your financial institution after scheduled completion of your transaction request.

2. How long does it take to complete a Transfer Funds?
   This depends in part upon the duration displayed while initiating your transfer and perhaps in part upon how quickly your institution updates your account after receiving the Transfer Funds. Full details regarding your Transfer Funds requests are viewable on your Transfer Status screen.

   With the standard service option your funds will get posted to your destination account once the funds have been successfully drawn from your source account. Your transaction remains In Process for the number of days indicated while initiating your transfer from the day you send your request. After that, the status gets updated to "Complete", indicating a successful transaction, provided we have not received notice of any problems with the transfer (see below).

3. Under what circumstances will an attempted Transfer Funds be unsuccessful?
   A Transfer Funds will be returned, if it cannot successfully be posted to your account. The most common reasons for failed or returned Transfer Funds are:
   • Entering an incorrect account number or bank ABA routing number
   • Lack of sufficient funds in the source account
   • Exceeding the dollar limit for an individual transaction, total transactions conducted in the last 30 days, or outstanding transfers (transfers that you have initiated but have not completed yet)

   You will be notified by e-mail if we have received a "Return" message on your transaction indicating that the transfer has not been completed. Full details will be available on your History screen.

4. How will I know when a transfer is complete?
   You can go to your History screen for an up-to-date status report on your Transfer Funds request. You should also be able to confirm the completion of the transaction with your financial institution.
5. How can I check on the status of my recent Transfer Funds?
   Click History from the navigation bar. You'll arrive at your History page, where you'll see a table listing your Transfer Funds requests over the past twelve months. The screen shows:
   • The reference number of each transaction
   • The date you requested each Transfer Funds
   • The origin account (Transfer Funds from) and destination account (Transfer Funds to) of each Transfer Funds
   • The dollar amount of each transfer
   • The current status of each transfer
6. What do the different status designations mean?
   Pending: We have not yet received confirmation of a successful transaction. You may see an indication of the transaction in the account balance of the source account but not the destination account of your Transfer Funds.

   Complete: The transfer is confirmed. The transaction will be reflected in your account balances with your institutions as a withdrawal from your source account and a deposit in your destination account. It's a good idea to verify the transaction with your financial institutions.

   Rejected: We were unable to remove the funds from the source account or place the funds in your destination account. Typical causes of failed or returned Transfer Funds are:
   
   Incorrect account number or bank ABA routing number provided during the account setup.

   Lack of sufficient funds in the source account. If we receive return due to non-sufficient funds (NSF) in the source account, we'll automatically try the transaction a second time. A Transfer Funds will be designated unsuccessful only after a second NSF return.
   You will be notified by email if we receive a return notice on your transaction indicating the transfer cannot be completed.

   Complete (Return): Occasionally, we'll receive a return from the ACH system indicating a problem with the transaction after the normal 3 business-day waiting period. This designation indicates that we received the return notice after having already designated the Transfer Funds as Complete.

   It is possible that you'll see a record of the debit on the account statement of your source account. If this does occur, the funds will automatically be returned to that account, appearing as a credit on your account statement.

7. How can I get further details about transactions that do not go through?
   If a transaction is unsuccessful, the designation rejected will appear in the Status column of the History screen as a hyperlink. Click on this link to receive full details about the transaction and the situation that was encountered.

Pay People

1. What is Pay People?
   Pay People is an essential component of the online financial services available at your financial institution web site and a companion service to the online bill pay service. Pay People is a convenient service that allows you to send and receive personal payments of up to $500.00 per payment via email across any third party.
2. How is Pay People different from the "Transfer Funds" service?
   The Transfer Funds service is used to move funds between your own financial accounts. You'll use your Pay People service to make and receive payments to businesses and individuals.
3. How secure is sending a payment by email?
   Very. In fact, we're not really sending funds or restricted information via email. Only the notification about each transaction is relayed via email. The transfer of funds takes place within our secure servers, and the transmission of data is encrypted. Both the sender and the recipient have to log in to their secure online accounts in order to either initiate or complete the transaction.
4. To whom can I send payments?
   You can send payments to anyone who has email and a checking, savings or a money market account.
5. Can I send payments internationally?
   You can send payments to someone in a foreign country; however, the recipient must have an account at a US financial institution to collect the payment. A recipient cannot deposit a payment into a foreign financial institution account.
6. From whom can I receive payments?
   You can receive email payments from anyone with a checking, savings or money market account.
7. Which of my accounts can I use to send or receive payments?
   You can send payments from, and receive payments into, any of your checking, savings and money market accounts residing at the financial institution providing this service.
   The online Pay People payment is provided as a comprehensive service to our account holders. You can send payments from, and receive payments into, any of your checking, savings, money market or brokerage accounts, whether or not they are held at this financial institution, as long as they have been enabled and verified for use with Pay People.
8. Can I pay any third party by email internationally using the Pay People?
   No, this facility is still not available due to international legislation that varies across the nations. We regret the inconvenience.

Eligible Accounts

1. Do I have to enable each of the accounts I hold at Workers' Credit Union individually for use with my Pay People service?
   No. When you activate your Pay People service, you'll find that all of your Workers' Credit Union checking, savings, and money market accounts are already enabled for sending and receiving payments via the Pay People service.
2. Can I remove banking accounts from this service?
   You can remove any account that is held at other financial institutions. Go to your Overview page and click "Remove". You'll be asked to confirm that you wish to deactivate this account. For accounts held at Workers' Credit Union, we get the indication of the account status directly from Workers' Credit Union.
3. Where do I go on the Workers' Credit Union web site to make a personal payment with Pay People?
   Please login to your online banking account at your Workers' Credit Union website. Click on "Pay People", and then on "Payments" tab to schedule a payment.

Making Payments

1. Which accounts can I use to make payments?
   You can use all your eligible accounts held at Workers' Credit Union for making payments to any third party via email. You will be able to view your Workers' Credit Union accounts eligible for making payments in the drop down menu on Transfer Funds screen.
2. Why can't I use my accounts held at other financial institutions to make payments?
   Workers' Credit Union has set up only your eligible Workers' Credit Union accounts for scheduling payments. You cannot use this service to make payments to any third party from accounts held at other financial institutions.
3. How do I complete the Make Payments form to send a Pay People personal payment?
   Here is the list of fields required to schedule a payment.
   • Recipient's Full Name: If you are sending payment to a particular recipient for the first time, enter his or her first name and last name in this field. Type in the first name, followed by the last name, with a space in between (i.e., Bob Smith).

   OR

   If you have previously sent a Pay People payment to this person, his or her name should appear in the Recipient's Full Name drop-down list. Simply select the appropriate name from this list.

   • Recipient's Email Address: Type in the full email address of the payment recipient. It's a good idea to double-check the address after you've typed it in, since the success of the transaction depends upon us having your payee's correct email address.
   • From Account: This is a drop-down list of your Workers' Credit Union accounts that are eligible for use with Pay People. Select the account you'd like to use to make your payment.
   • Shared Secret Code: This is a code that you select to ensure that no one but your intended payee will be able to collect your payment. Select a single alphanumeric code (no spaces or symbols) of from four to twenty characters. Your recipient will have to know this code in order to collect the payment, so be sure to communicate the code to your payee as soon as possible. No one but you knows this Shared Secret Code and only you can share it with your payee.
   • Message to the Recipient: Enter a message of up to 200 words. Think of this as the "memo" section on a paper check. This message will appear on the email that your payee will receive announcing your payment.
   • Amount: Enter the amount of your payment. You may send Pay People payments totaling up to $500.00 per day.
   • Your Remaining Monthly Limit: Your total Pay People payments may not exceed $1,000.00 during the last 30-day period.

   The figure listed here represents the amount of money you are currently eligible to send, based on this limit. For example, if your monthly limit is $500.00, and you have sent $200.00 of total Pay People payments during the last thirty days, your remaining monthly limit will be $300.00 ($500.00 - $200.00).

   Please note that your total amount of Outstanding Payments may not exceed $500.00. Your outstanding limits frees up when the funds have been withdrawn successfully from the source account.

   • Charge: Workers' Credit Union charges a nominal fee of $5.00 per Pay People payment. This amount will be deducted from the account you use for your payment.
   • Click "Confirm" to send your Pay People transaction, or "Cancel" if you decide not to send payment at this time.

Fees

1. Will I be charged for Pay People online payment transactions?

Cancel a Payment

1. Can I cancel a pending Pay People transaction?
   Yes, you can. All you have to do is go to your History screen, find the transaction in question, and click "Cancel" next to the transaction under the Status column. You will be asked if you're sure you want to cancel the transaction. Click "Yes." You can also cancel a transaction in the exact same manner from the "Action" column of your Overview screen. The funds will be returned to the account of origin.

Payments Status

1. How will I know for sure that my Pay People payment request has been processed?
   Once you click "Submit" on the Transaction Confirmation screen, you'll be brought to your Overview screen. Your new Pay People payment will be listed under Recent Transactions. You'll also find the same transaction listed on your History page under Payments Made.
2. How long will it take before the funds are available to my recipient?
   Pay People payments are generally available for your payee to collect within two to three business days from the day you have submitted your request.
3. How will my recipient know that I have sent a Pay People payment?
   Your recipient will receive an email announcing your Pay People payment. The email will also include instructions on how to proceed and a link to collect the payment. First-time Pay People payment recipients will be instructed to complete a short one-minute registration form. Don't forget that you must also contact your recipient separately to pass along the Shared Secret Code for your payment transaction.
4. How will I know when my recipient has collected my payment?
   Each of your recent Pay People transactions are listed both on your Overview page and on your History page. The notation in the Status column for the transaction on both of these pages will change to "Complete" when your recipient has successfully completed the collection process. You'll also receive an email when your payee has initiated the process of collecting your payment.
5. How long does the recipient have to collect my payment?
   The recipient must complete the collection process within 30 days of receiving email notification of your Pay People payment. If there has been no response from your payee, the funds are automatically returned to the source account.
6. What happens if I try to send payment from an account with insufficient funds?
   If you attempt to send a Pay People payment from an account with insufficient funds, the payment will of course be stopped. You will receive an email informing you of the situation. For your convenience, we will resubmit the payment once automatically. In the meantime, for security reasons, the account in question will be temporarily suspended for further transactions. If the payment goes through the second time, we'll send you a follow-up email to let you know, and the account will be reinstated for activity.

   If the payment does not go through on the second try, you will receive an email informing you of the situation. This email will include the contact information of the personnel who can help you resolve the problem.

7. I've received an email informing me that my transaction did not go through but which doesn't specify a reason. What happened?
   There are a variety of situations involving incorrect information or other problems, which on rare occasion will prevent the proper completion of a Pay People payment. The email you've received contains a link to your Overview page. You'll see the reason for your problem displayed on this page. Please contact your Workers' Credit Union Member Information Center if necessary for further information or assistance in solving the problem.

Receiving Payments

1. I've received an email introducing Pay People What do I do now?
   Please login into your online banking account at Workers' Credit Union website and click "Money Mover". Click on the "Transfer Funds "or "Pay People " icon to go to the Overview page. When you click on the link from the message on the Overview page, you will be brought to a page that will display your email address and ask for a 20-digit validation code. You'll find that code on the Introduction email you received from us. Cut and paste this validation number from the email into the appropriate field, then click "Submit". You'll be brought to your Overview page.
2. Do the people I'm sending funds to have to verify their accounts with these procedures?
   No. Receiving funds is a much easier process. Anyone you send money to will be able to deposit that payment into the savings, checking, and/or money market account of their choice, by following the procedures outlined below. People receiving payments via this service for the first time have to complete a quick, one-time registration procedure.
3. Will the recipient receive email reminders during the 30-day period?
   Yes. We will send out an email reminder to the payee 2 days after our initial email notification. We will also send you an email if your recipient has not collected payment seven days after the original notification. If we do not hear from the payee within the 30 days from the day payee received the first email notification, the funds will be automatically returned to the source account.
4. What happens if the recipient doesn't collect the funds within 30-day period?
   The Pay People payment will be automatically cancelled and the funds will be returned to the account of origin. You will receive an email notification that this has occurred, and the status column for this transaction on your Overview and History screens will change from "Awaiting Collection" to "Funds Returned."
5. What happens if the email notifying the payee of my Pay People payment is undeliverable?
   If the Pay People payment notification email is undeliverable, you will receive a return email notifying you of the problem. This problem most frequently occurs because the sender has entered a misspelled or otherwise incorrect email address on the Make Payments form.

   To correct or change your recipient's email address, go to your Overview page. Find the payment in question in the Recent Transactions section. "Email Undeliverable" should appear as a link in the Status column. Clicking on this link will bring you to the "Make Payments" form for the transaction. Re-enter the email address of your payee. You may wish to contact the payee to confirm that you have the correct address. Click "Submit". We'll send out new email notifying the payee of your Pay People online payment at the revised email address.

Security & Privacy

1. How do you protect my security and privacy?
   We're committed to maintaining the privacy, security and integrity of the financial and personal information you share with us, and take every precaution to do so. We've designed multiple levels of security to ensure the protection of your information from loss, theft, and unauthorized access, modification or disclosure. We make sure that our security measures conform to all applicable federal, state and local laws.
   • Sensitive information, including bank account numbers and account verification date, is encrypted with state-of-the-art encryption software. For example, we use 128-bit SSL encryption when communicating data over the ACH network. For a full description of the care we take in this area, please see our full-length Security Policy.
   • Our procedures also include extensive in-house privacy measures. We place your personal and financial information on a secure portion of our Web site. Your user login name and password, and all verification information pertaining to your individual accounts, remains encrypted. Always. Neither our software, nor any of our employees can decode this information. Please see our full-length Privacy Policy for more details.
2. How do you verify my identity and my account information to prevent fraud?
   We employ a two-tiered verification system to make sure your accounts are secure.
   • When you sign up for the Transfer Funds Service, your financial institution provides confirmation of your identity and the accounts held at that financial institution.
   • Occasionally, we're unable to register successfully because of incomplete information received from your financial institution. If this happens you will have a chance to provide this information to us, and you will be registered for the service.
   • Accounts that reside at the Partner FI will be auto enabled after the end has accepted the terms of service and you can start using it. Before activating your other accounts into our Transfer Funds Service, we'll verify each one with your financial institution. This takes a little more time for you and for us, but it's part of the care we take to maintain your safety and the overall integrity of the payment network. You'll find more detailed information about this process included below.
3. Do you share my information with third parties?
   Your information is never shared with a third party.

User Profile

1. How do I update my contact information?
   It's important that you keep your contact information up-to-date so we can communicate with you quickly whenever necessary. Luckily, keeping your Workers' Credit Union Personal Profile current is simple and convenient. If your contact details should change, click the Edit Your Profile link found at the bottom of every page. Edit the data entry fields as necessary and our records will be automatically revised with your new information. There are no phone calls to make or forms to mail.
2. How do I add additional email addresses to send or receive Pay People payments?
   To add one or more new email addresses to be used for Pay People transactions, click the Edit Profile link. You'll be brought to Edit Email page. That page will display the list of your registered email addresses. Click on "Add Email," and enter the new address in the data field. When you click "Submit", you'll be returned to your email address list, with the new address now included. You will be asked to follow the simple validation procedures before you can start using the new email address with your Pay People service.
3. How do I validate my additional email address?
   Your newly added email address will be listed as "Awaiting Validation." For security reasons, you'll be asked to confirm this email address before it will be activated for use. You will automatically be sent an email message, containing a Validation Code, to the new address. When this email arrives, return to your email address list, click "Validate" for the appropriate address, and copy the Validation Code from the email message into the data entry field. When you click "Submit", your new email address will be validated and ready to use.
4. How do I deactivate email addresses from the service?
   Follow the instructions for adding addresses. When you get to the online email address list, click the "Delete" link for any email address you'd like to deactivate. You will receive a confirmation email notifying you the completion of your request to delete an email address.
5. How can I change the default email address, which I use with the Pay People service?
   The default email for your Pay People transactions is your Main email address. To change this address, click on Edit Profile and go to Edit Email. Your main, or default, email address will appear with the word "main" in bold print. To select a new main address, click the "Change Main" link in the Action column and follow the directions. When you've completed this process, you will receive a confirmation email.
6. How can I Unsubscribe from the Money Mover service?
   If at any time you wish to discontinue your use of the Service, you can unsubscribe by clicking on "Unsubscribe" from the Edit Profile page or by sending Workers' Credit Union an e-mail to wcu@wcu.com or, if you prefer, by sending a registered or certified letter to Workers' Credit Union at 815 Main St, Fitchburg, MA 01420. Once your account with Workers' Credit Union has terminated for any reason, you will have no further right or access to use the Transfer Funds service.