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E-Services

Digital Banking Experience

DIGITAL BANKING

Welcome to the new digital banking experience! Discover a better way to manage your finances with robust tools and features all at your fingertips.


MOBILE APP DOWNLOAD

Android Google play apple app store


DASHBOARD

Intuitive navigation. Enhanced features. Control your finances in ways you’ve always wanted. (Sample Dashboard screenshot below)
































FEATURES

fingerprint scannerENHANCED SECURITY – Protecting your information is our priority. Our new digital banking platform utilizes multifactor authentication and integrated device security such as fingerprint and face recognition technology. Set up alerts when personal or other information has been changed on your accounts.


AVAILABLE ALERTS:

  • Balance summary and threshold
  • Transaction threshold
  • Budget and savings goals
  • Transfer success or failure
  • Debit card purchase
  • Insufficient funds
  • Loan payment due
  • Automatic deposit or withdrawal
  • Account login or contact info updates

 

Unified AccessUNIFIED ACCESS – Manage all your accounts and memberships with Wheelhouse and view all your accounts at other financial institutions. Transfer money to and from any accounts you have online access to.



Pay AnyonePAY ANYONE – Went on a group lunch and everyone has nothing but twenty dollar bills? Splitting a bill with a roommate? Use the Money Move feature to pay anyone you know in real time.



Check DepositDEPOSIT CHECKS – We love it when you visit our branches but don’t waste gas to deposit a check. Use our mobile app to deposit checks and enjoy the rest of your day.

 

Pay BillsPAY BILLS – Managing your money also means managing your bills. Schedule multiple and reocurring payments and designate any eligible accounts where the money should come from.

 

BudgetsBUDGET & SAVINGS GOALS -  Managing your spending is a lot easier when you can categorize transactions, set up a budget and receive notifications when you exceed that budget.

 

SNAPSHOT ACCOUNT VIEW – View account balances from the login screen or from your smartwatch.




OTHER FEATURES

  • Secure Messaging with Wheelhouse
  • Apply for a Loan
  • Open Additional Accounts
  • Order Checks
  • Place Stop Payments
  • Quicken Sync (How to Sync with Quicken)

 

 

DIGITAL BANKING FAQS

 

FEATURES OVERVIEW

Why did Wheelhouse Credit Union upgrade to a new digital banking platform?

Does this upgrade affect desktop computer access and mobile banking?

Will I have to re-set up my scheduled transfers after the upgrade?

How do I set up transfers on the new system?

Can I customize my dashboard in the new digital banking system?

What are “widgets?”

 

FIRST TIME LOG IN

How do I log in to the new digital banking platform for the first time?

How do I enroll in digital banking if I am a new Wheelhouse Credit Union member, a joint member or I haven't logged into digital banking in the last 12 months?

Can I keep my current username and password?

Do I need to register for online banking separately from mobile banking?

 

SECURITY

What are the digital banking username requirements?

What are the digital banking password requirements?

Can I reset my username and password?

What security features are available in digital banking?

How can I change my security preferences?

How do I change my contact information?

How do I send you a secure message?

 

MOBILE

Do I need to re-download the Credit Union’s app after the upgrade?

Mobile App Log In

What devices support mobile banking?

What can I do with mobile banking?

 

ALERTS & NOTIFICATIONS

Will I have to re-set up my alerts and notifications after the digital banking upgrade?

How do I set up alerts and notifications on the new digital banking system?

 

BILL PAY

Will I have to re-set up my Bill Pay Payees after the upgrade?

Will Joint Account owners have access to E-Statements, Bill Pay and Card Rewards?

 

ACCOUNT MANAGEMENT

How do I submit a stop payment?

How do I order checks?

How does the Manage Budgets feature work in digital banking?

How do I enroll in E-Statements and E-Notices?

How can I confirm whether I am enrolled in E-Statements?

How can I categorize a transaction for budgeting purposes?

Can I add/link my external account(s)?

 

MONEY MOVE

How can I send money to another person?

Can I cancel a “Money Move” transaction?

 

MOBILE DEPOSIT

Am I eligible to use mobile deposit?

What accounts can I deposit to using mobile deposit?

What types of checks can I deposit?

What are some best practices for using mobile deposit?

 

Why did Wheelhouse Credit Union upgrade to a new digital banking platform?

We want to help improve the financial well-being of our members. Providing the best tools will help steer you in the right direction and our new state-of-the-art digital banking experience features an easy-to-use and enhanced design with improved security controls.

 

Do I need to re-download the Credit Union’s app after the upgrade?

If you were previously using the SDMCU mobile banking app, you will need to uninstall it and install our new Wheelhouse Credit Union mobile banking app on your mobile device. Download the new app in the Google Play Store or the Apple App Store, or click on the icon for your device’s operating system below:

 

How do I log in to the new digital banking platform for the first time?

Current digital banking users will be prompted to follow the steps below to log in to the upgraded digital banking system for the first time:

 

Logging in from a Desktop Computer

  1. Go to wheelhousecu.com homepage
  2. Enter your current username

Please Note: The new digital banking experience allows users to access all memberships with one login.  If you have multiple logins, use the one that comes first in the alpha- numeric order.  For example: ASmith comes before BSmith.  (Numbers supersede letters:  123Smith comes before ASmith)

  1. Your temporary password is your 4 digit Birth Year plus last 4 digits of your SSN For example: 19541234. You will be prompted to change your password.
  2. Joint owners (who do not have their own primary membership login) will need to register for their own digital banking access. Please call us at 619-297-4835 or toll free 1-888-907-3628 for assistance with your registration.
  3. New Members or existing members who do not currently have online banking access will also need to contact us to register for digital banking.  Please call us at 619-297-4835 or toll free 1-888-907-3628 for assistance with your registration.

 

(For an optimal digital banking experience, we recommend using the latest versions of Chrome, Firefox or Safari. Internet Explorer has limited support and certain enhancements may not work on Internet Explorer.)

 

Mobile App Log In

  • Download the new Wheelhouse Credit Union mobile app in the Google Play Store or the Apple App Store, or click on the icon for your device’s operating system below:

    Android Google play apple app store

  • If you have not completed your first time login, you will be prompted to follow the steps listed above. If you have, you may login with your newly created password and immediately enjoy the new mobile app!

 

How do I enroll in digital banking if I am a new Wheelhouse Credit Union member, a joint member or I haven't logged into digital banking in the last 12 months?

Please call us at 619-297-4835 or toll free 1-888-907-3628 for assistance with your registration.

 

Can I keep my current username and password?

If you have multiple logins, use the one that comes first in the alpha- numeric order.  For example: ASmith comes before BSmith.  (Numbers supersede letters:  123Smith comes before ASmith)

You will be able to keep your current username; however, you will need to create a new password that contains 8-20 characters including one upper and lower case letter, and a number. If members have more than one username now, they may have to log in with one that is not their ‘favorite’ or ‘preferred’ login, however, once they get in to the new platform they can change it to whatever they want it to be in “Settings”. 

 

Does this upgrade affect desktop computer access and mobile banking?

Yes, both the desktop computer access (online banking) and the mobile app will be upgraded with many of the same features.

 

Do I need to register for online banking separately from mobile banking?

No, you only need to register one time on either platform. You can then enjoy the same username and password for both online and mobile banking.

 

What devices support mobile banking?

The two most recent versions of Android and Apple support the new mobile banking app. If you are using a device or version that is not available with our app, you can always log into digital banking from our mobile-optimized homepage at wheelhousecu.com.

 

Will I have to re-set up my alerts and notifications after the digital banking upgrade?

Yes, any alerts and notifications that were previously set up on our old digital banking platform will need to be set up again.

 

How do I set up alerts and notifications on the new digital banking system?

  • Desktop computer: Click on your name in the top right corner, and then click Settings. Choose Alerts in the top menu and proceed with creating a new alert. (Everything on this page refers to Alerts

NOTE: Click the Help button in the top right for more detailed information on your alerts

  • Mobile: Click the menu open in the top left corner, and then click Settings. Choose the Alerts option. For more notification options, visit online banking on your desktop computer.

 

Will I have to re-set up my scheduled transfers after the upgrade?

Most transfers will migrate to the new system however, please verify your transfers to ensure they are all in place and set up any that were not moved over. Yes, some types of transfers will not be able to migrate to the new digital banking system. Please verify your transfers and re-set any that were not moved over.

 

How do I set up transfers on the new system?

  • Desktop computer: Click on the Transfers widget on the left side menu. Choose between the Quick and Classic Transfer tab choices and proceed with creating a new transfer.

NOTE: Click the Help button in the top right for more detailed information on transfers.

  • Mobile: Click the menu open in the top left corner, and then click Transfers. Proceed with creating a new transfer. For more transfer options, visit online banking on your desktop.

 

Will I have to re-set up my Bill Pay Payees after the upgrade?

No, your BillPay payees and payments will transfer over with the new digital banking system.

 

Can I customize my dashboard in the new digital banking system?

Yes, you can now customize what you see on your dashboard by hiding accounts, color-coding your accounts, re-ordering your widgets, choosing which widgets you use the most, and more.

 

Will Joint Account owners have access to E-Statements, Bill Pay and Card Rewards?

Due to the Unified Access, all electronic statements, bill payment payees and card rewards are consolidated under the primary member access.

 

What are the digital banking username requirements?

  • Your username must be eight to 20 characters in length and may contain any combinations of letters and numbers.
  • Our system accepts almost all of the special characters, with the exceptions of the tilde and backslash.
  • The usernames are not case-sensitive.

What are the digital banking password requirements?

  • Your password must be a minimum of eight characters in length, include at least one uppercase and one lowercase number, and must contain at least one numerical digit.
  • Our system accepts almost all of the special characters, with the exceptions of the tilde and backslash.
  • Please note: The passwords are case-sensitive and expire after 365 days.

Can I reset my username and password?

Yes, you have the option to reset your username and password through online banking or mobile banking by selecting the “Forgot Username?” link or “Forgot Password?” link.

  • To reset your username, you must enter your member number, social security number or tax ID number (for business accounts), and date of birth. You have the option of entering your email address or zip code to proceed.
  • To reset your password, you must enter your username, member number, social security number or tax ID number (for business accounts), and date of birth. You also have the option of entering your email address or zip code to proceed.

What security features are available in digital banking?

Our system offers enhanced security controls with your choice of multi-factor authentication method; including, security questions or a verification code sent by email, text or automated voice call. Multi-factor authentication is triggered each time you log in to online or mobile banking, until you select “Remember this device” upon login. It may also trigger when you perform activities that are considered “higher risk.” Examples include when you change your contact information or when an external account is added.

We also have an enhanced account notification offering to alert you of logins, transactions, failed transfers, card transactions, balance thresholds and more.

How can I change my security preferences?

  • Log in to online banking and click the down arrow next to your profile image and name.
  • From the dropdown, click the Settings option and select the Security tab.
  • Within the Security tab, you can change your username and password and review your Two-Factor Authentication settings. You can also see which devices have been “remembered.” When you remove devices, you will be prompted verify your identity the next time that you log in.

What are “widgets?”

When we refer to “widgets,” these are the different menu options within digital banking to access functions and features (ex. “Accounts,” “Transfer Money,” “Manage Cards,” “Manage Budgets,” and “More…”). You may select the “More…” widget from the left-hand panel to view all of the available widgets in digital banking.

You can also change the layout of your widgets, by following these steps:

  • Log in to online banking and select the down arrow next to your profile image and name.
  • From the dropdown, click the Settings option and select the Widgets tab.
  • Within the Widgets tab, you can select the star icon next to the five widgets that you would like to display under the Dashboard widget.
  • You also have the option to re-order your widgets by selecting the “Reorder Favorites” button.
  • Once you click Save and refresh your view, the layout of your widgets will update.

How do I change my contact information?

  • In online banking, select the down arrow next to your profile image and name. From the dropdown, click the Settings option and select the Contact tab. Within the Contact tab, you can update your addresses, phone numbers and email addresses. You can also indicate your preferred phone number and email address.
  • In mobile banking, select the Settings widget, followed by the Contact tab.

How do I send you a secure message?

You may send us a secure message through online banking or mobile banking.

  • In online banking, select the down arrow next to your profile image and name. From the dropdown, select the Messages option. You can also click the “More…” widget and choose the Messages widget from the list.
  • In mobile banking, select the Messages widget and click the Compose tab.

How do I submit a stop payment?

  • Log in to online banking and click the “More…” widget.
  • Choose the Check Services widget from the list.
  • There is a Stop Payment tab on the Check Services screen that has a “New Stop Pay Request” button. When you click on this button, you will be prompted to select an account, enter the check number, check date and amount. You also have the option to search for the check.
  • The check will not be stopped until you check the “I Agree” box and click the Submit Request button.

How do I order checks?

If you have never ordered checks before, please contact us for assistance.

If you would like to re-order checks, log in to online banking and click the “More…” widget. From the list, choose the Check Services widget and select the Reorder Checks tab. (Please note: The check re-order feature is only offered in online banking).

How does the Manage Budgets feature work in digital banking?

When transactions post to your accounts, they can be categorized to give you a better idea of how much money you are spending in certain areas. For example, if you would like to know how much you are spending on transportation, you can categorize transactions using the Auto & Transport category. Under this category, there are more specific selections to choose from; such as, Gas & Fuel, Parking, Services & Parts, and Tires.

How can I categorize a transaction for budgeting purposes?

Locate the transaction that you would like to categorize and select the “Add a category” button underneath it. From the list of categories, you can choose the one that is most appropriate from the dropdown menu. You can also split the transaction in to multiple categories if more than one applies.

How do I enroll in E-Statements and E-Notices?

You can enroll in E-Statements and E-Notices through online banking or mobile banking.

Select the EDocuments widget, and click the Enroll button. You must agree to the Enrollment Disclosure and click the Agree button to become enrolled.

How can I confirm whether I am enrolled in E-Statements?

You can verify whether you are enrolled in E-Statements by going to the Statements widget in online banking or mobile banking.

Can I add/link my external account(s)?

Yes, you can link your accounts at other financial institutions through online banking or mobile banking.

To set up an external account in online banking:

  • Click on the Transfer Money widget and select the Classic tab.
  • Under the “Don’t see the account you want to transfer to?” section, click “Add an external account” and follow the steps.

To set up an external account in mobile banking:

  • Select the Transfer Money widget.
  • In the Transfers screen, click “Add Account” and then select “External Account” on the following screen and follow the steps.

Two microdeposits will arrive in your external account within 2-3 days. Check your external account’s transactions and make note of the microdeposit amounts. Log back in to online banking and click the alert on your Dashboard notifying you that an external account is pending confirmation. You will enter the two microdeposit amounts. If the amounts entered match what was sent, your account will be confirmed and you will be able to transfer money to, or from, your linked account.

Can I transfer money to another member’s account?

Yes, you can transfer money to another member’s account through online banking or mobile banking.

To set up a member-to-member transfer in online banking:

  • Click on the Transfer Money widget and select the Classic tab.
  • Under the “Don’t see the account you want to transfer to?” section, click “Transfer to another member.”
  • You must enter the member’s last, indicate whether the funds are going to a share account or loan account, and enter the recipient’s member number and their share or loan ID to designate which account the funds will be deposited into.
  • During the transfer setup, you can check the “Save Account for Future Use” box and it will always show up in your list of “Transfer to” accounts.

To set up a member-to-member transfer in mobile banking:

  • Click on the Transfer Money widget.
  • On the Transfers screen, select “Add Account.”
  • Within the “Internal Account” tab, enter the member’s last name, indicate whether the funds are going to a share account or loan account, and enter the recipient’s member number and their share or loan ID to designate which account the funds will be deposited into.
  • During the transfer setup, you can check the “Save Account for Future Use” box and it will always show up in your list of “Transfer to” accounts.

How can I send money to another person?

You can transfer money to another individual using your debit card with our “Money Move” feature in online banking and mobile banking. Enter your recipient’s email or phone number and they will receive either an email or text notification that you have sent them money. Your recipient can claim and receive the funds immediately by entering a debit card number for the funds to transfer through. Or, they may elect to enter their routing and account number to receive the funds via ACH (may take 2-3 days).

Can I cancel a “Money Move” transaction?

You can cancel the payment if the funds have not been accepted by the recipient. Additionally, if the recipient does not claim the funds within 10 days, they will be returned to you. If the funds have been claimed, the transfer cannot be cancelled. To cancel a transaction, go to the “Money Move” widget and select “Transaction History” from the menu. You will be able to cancel transactions in a Sent/Pending status.

What can I do with mobile banking?

In mobile banking, you can conduct a range of activities; including, but not limited to:

  • Viewing your account balances and recent transactions.
  • Paying your consumer loans, Visa and mortgage accounts.
  • Locating ATMs and branches near you.
  • Transferring money between eligible accounts and to other members.
  • Sending money to family and friends using your debit card.
  • Deposit checks.
  • Paying a bill or setup a recurring payment through Bill Pay.
  • Send us a secure message.
  • Update your contact information.
  • Resetting your username and password.

Am I eligible to use mobile deposit?

Mobile deposit is available to members in good standing with an eligible checking or savings account and access to the mobile app. Those that are ineligible will see the message “Please contact us about eligibility for this service.” when tapping on the Check Deposit menu item.

 

What accounts can I deposit to using mobile deposit?

Any eligible checking or savings account.

 

What types of checks can I deposit? All checks can be deposited except checks with the following:

  • Items that do not contain the restrictive endorsement outlined above in Question 6.
  • Items displaying a “non-negotiable” or “void” notation or watermark.
  • Items containing an alteration on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Items dated more than six (6) months prior to the date of deposit.
  • Items previously converted to a substitute check or items that are remotely created checks as defined by Federal Reserve Board Regulation CC.
  • Items issued by or through a financial institution in a foreign country.
  • Items not payable in United States currency.
  • Items with incomplete or illegible information.
  • Items that are money orders, traveler’s checks or savings bonds.
  • Items that are in violation of any federal or state law, rule, or regulation.
  • Checks or items prohibited by the Credit Union’s current procedures relating to the Mobile Deposit service or are otherwise not acceptable under the terms of your account.
  • Items with any endorsement on the back other than what is specified.

 

What are some best practices for using mobile deposit?

  • Please make sure the front and back of the check are properly endorsed as For Mobile Deposit at Wheelhouse Credit Union.
  • Avoid writing over the MICR number at the bottom of the check.
  • When you are taking a picture of the check, do not get too close to the check. Position the edges of the check within the guidelines displayed on the camera viewer.
  • If the check is light in color, place it on a dark background. If the check is a dark color, place it on a light background.
  • The app will indicate if your check was successfully submitted. 

If you are using a screen reader or auxiliary aid and having problems using this website, please call 888-907-3628.