Frequently Asked Questions

Log into online banking.  

• From your home screen, click on Transfers from your navigation bar. The navigation bar is located at the top of the home screen on desktop and on the bottom on mobile.

You can make the following type of transfers: 

• Account to Account: Transfers made between accounts within your own membership.
• Member to Member: Transfers from one Everwise member to another Everwise member.
• External Transfers: Transfers made FROM or TO your account at another financial institution. Your external account must be linked to your membership using microdeposits or credentials through Trustly.
  

For detailed instructions, you can view the Transfers Guide here, or you can follow the steps listed in specific transfer FAQs.

Personal: Log in, open the menu, and tap My Documents to view your statements.
Business: Log in, then go to Accounts and Loans, then eDocuments to enroll and view your documents.

This information applies to personal banking members. 

Before you start, have the following information handy: 

• Member number (leave off any leading zeros).
• Date of birth.
• Social Security Number.
• Access to your primary email address and mobile phone so we can send you the verification code that allows you to complete your enrollment.

When logging in for the first time, review Everwise’s disclosures. Scroll to the bottom, click Accept.

Two easy ways to enroll

Option 1: From your computer  

Visit our enrollment page and follow the simple step-by-step instructions. Once you're all set up, be sure to download the Everwise Mobile Banking app for easy access. 

Option 2: From your mobile device  

Download the Everwise Mobile App for Android or Apple, or open the app store on your device and search for Everwise Mobile Banking.

For Personal Banking:
Download the Everwise Mobile Banking app by clicking on one of the links below or opening the app store on your device and searching for Everwise Mobile Banking.

• Download for iPhone   
• Download for Android

For Business Banking:
Download the Everwise Business Banking app by clicking on one of the links below or opening the app store on your device and searching for Everwise Business Banking.

• Download for iPhone   
• Download for Android

Log into online banking. Then, click the menu in the top-right corner of the home screen and select Profile. Enter the email address or mobile phone number where you wish to receive your multi-factor authentication code and save your updated preferences. 

From the home screen in online banking, click/tap on the menu in the top-right corner and select Secure Messages. Then, select Create New Message. Select a topic, enter your subject, and click Next to write your message.

You have the option of uploading an attachment by clicking on the paperclip. When you have completed your message and uploaded any attachments, click Send Message. We'll respond to your message within two business days.

For immediate assistance, call Member Services at (800) 552-4745 (weekdays from 7am-7pm ET & weekends from 8am-1pm ET). 

From the home screen, click Help (located at the top of the home screen on desktop and on the bottom on mobile). Then select Contact & Help to find the link to our branch& ATM locations. 

From the home screen, click/tap the menu in the top-right corner and select My Documents. 

• If it is your first time here, the agreement/disclosure will automatically pop-up.
• Please review the agreement and scroll down to the bottom of the agreement to select Agree.

You will then be enrolled in eStatements, in addition to receiving other notices and documents electronically.

If you have more than one membership/member number, you will need to enroll each membership and create a separate login for each.

Note: This does not apply to business memberships.

You can access your credit card statements by navigating to the home screen and clicking on the account you would like to view. To view your statement on desktop, select the My Docs icon on the left side of the screen. For mobile viewing, swipe down from the gray bar at the top of your transaction history to reveal the My Docs icon and view your statement.

Credit card statements can also be viewed by navigating to the menu in the top-right corner of the home screen and selecting My Documents to view your statements.

For detailed instructions, you can view our Transfers Guide here, or you can follow the steps listed below.

1. From your home screen, clickTransfers on your navigation bar. The navigation bar is located at the top of the home screen on desktop and on the bottom on mobile.
2. Once inside, select the scheduled transfer.
3. Click/tap Edit Transfer.

For One-Time Transfers:

1. Edit the transfer information, then click/tap Update Transfer.
2. Review the updated information, then click/tap Submit Transfer or click/tap Review Transfer to make additional edits.
3. A success message will appear. Click/tap Done to return to the transfer screen.

For Recurring Transfers:

1. Click/tap the scheduled transfer on your transfers list.
2. Then, click/tap Edit Transfer and select whether to edit just this one (the displayed Transfer), edit the series, or nevermind to return to the previous screen.
3. Edit the information, then click/tap Update Transfer when finished.
4. Next, click/tap Submit Transfer and a success message displays.
5. Click/tap Done to return to the transfers screen.

Note: For recurring transfers, only the FROM (source account), amount, and end date are editable. If the frequency or TO (destination account) is no longer correct, you will need to cancel the series and reinitiate the recurring transfer.

The Deposit a Check service is available through mobile banking only.

• On your mobile device, tap the Services tab and select Deposit a Check to get started.
• Choose the account for your deposit.
• Below your endorsement signature on the back of the check, write: For mobile deposit with Everwise Credit Union.
• Tap Front then place the check front-side-up on a flat surface and position your camera directly over the check.
• Take a picture of the front side of your check.
• Tap Back and repeat the process for the back side of your check.
• Enter the check amount and an optional description.
• Then, tap Submit Deposit.

Additional Guidelines:

• Place your check within the guidelines of the phone's camera on a flat, solid, and dark surface. It is important to have a plain, neutral background without a pattern or texture.
• Do not use a flash, as it may affect the quality of the image.
• Make sure lighting is optimal, without any shadowing.
• The check should lay as flat as possible, without any folds or creases.

Log into your online banking and click/tap Bill Pay from the navigation menu (located at the top of the screen on desktop, bottom on mobile). From there: 

• Click Pay from the navigation menu.
• Find the recipient you would like to pay, or add a new recipient.
• Click the name of the payee.
• Add the dollar value and select the date you would like to send the payment.
• Click the account you would like to pay from and click Continue.
• Verify your payment information and click Send Payment. 

From the home screen click Bill Pay, then:

1. Click Recipients.
2. Find your recipient. Then, click the Bills button to the right of the recipient list.
3. Click View bill information. Your Bill Pay statement will be organized by date.
4. Click the date to view your statement for your payee.

From the home screen, click Bill Pay, then:

• Click Recipients from the navigation menu at the top.
• Then, click (+ Add Recipient).
• Add the recipient name and click Continue. You may be able to add known payees from the dropdown list.
• Provide the nickname and account number. Please note: If your recipient is not available in the dropdown list, you will need to enter the address manually.
• Click Continue. 

If you have offers available, you will see My Offers within your Services section on desktop or the Services tab on mobile. Click/tap My Offers to see any personalized loan offers.

Use the Make a Payment button for convenient access to pay credit cards and HELOCs.

• Click on Manage Cards found in the Service section or under Card Services on your home screen. 
• Click the MAKE A PAYMENT button, displayed for all credit cards and HELOCs.
• Select a payment amount. Please note: If the current balance amount is selected for payment, you'll get a pop-up letting you know that the current balance may not be the payoff balance.
• Choose the FROM and TO accounts and delivery options on the Transfers screen to complete your payment. The payment amount will be prefilled for you.

Note: Because your payment amount due may vary each month, we recommend selecting a one-time payment. If you select a recurring payment, the payment amount will remain the same. 

Log in to online banking. From the home screen, click Manage Cards located in your Services section on desktop or the tab on mobile. You can also get there through the Card Services option on the home screen.

• Swipe right-to-left on mobile or click the horizontal lines below the image of the card on desktop to navigate through your cards. The screen will show your debit or credit card, including pertinent information below it.
• Members with the Everwise Visa Signature Rewards credit card will find redeemable rewards points listed. 

From the homepage, navigate to the Services section and click/tap Round-Up Savings.

• Find the account you want to enroll and configure the account by toggling the icon to turn it purple.
• Review the terms and conditions and click/tap I Accept.
• Then, click/tap the down arrow to the right of the account listed and choose where to deposit your savings from the dropdown menu.
• Click/tap Save.

You will only be able to see transfers scheduled/recurring within the next 30 days. 

To view Account-to-Account, Member-to-Member, or External Transfers that you've scheduled or sent using the Transfers service:

• Click Transfers on your home screen's navigation bar.
• Once inside, you'll see a list of the recent transfers you have scheduled or sent in the lower half of the Transfers Landing Screen.
• If you would like to see more transfers, click the magnifying glass located in the upper-right corner of your list. You'll be able to search for the transfer by using the search bar or by clicking/tapping the filter icon and entering the From Account, To Account, Amount, and/or Date. Then, click Apply.
• Click the transfer you'd like to view. You'll find details including the FROM and TO accounts, amount, frequency, delivery date, and note.

For an overview of the Transfers service, you can click here to view the Transfers Guide.

Scheduled internal transfers process at 8am/9am ET (depending on Daylight Savings).

Scheduled external transfers process between 4pm – 5pm ET. 

From the home screen, click/tap Bill Pay, then:  

• Click/tap Recipients from the main navigation menu at the top.
• Find your recipient (payee). If there is an option to set up Bill Pay for that recipient, you will see a statement icon (image of a piece of paper) with the option to click/tap Link your bill to bill pay.
• If you would like to enroll that recipient, then, click/tap on the Link your bill to bill pay link. A Link Bill Information form pops up.
• Change your Link Bill toggle switch from No (white) to Yes (gray).
• Add your User ID and Password. These login credentials are associated with your bill's account.
• Use the Frequency dropdown option to select how often you receive a bill.
• Click/tap the grey Link bill information button to complete the process.
• You will receive a confirmation stating, "Ebill enrolled. The bill has been enrolled successfully."

The Everwise Mobile & Online Banking platform will run in the following browsers:

• Microsoft Edge
• Chrome
• Safari

The platform supports the latest two versions of browsers.

Please note: While you can access our personal banking platform from a mobile browser, performance may be limited. For this reason, we strongly encourage you to download our mobile app for the best experience. 

You have five (5) attempts to log in before you are locked out. If your account becomes locked, it will automatically unlock after 24 hours. If you need to access your account sooner, please call us at (800) 552-4745. 

When scheduling a payment through Bill Pay, the "delivered by" date is the date we estimate that the payment will be received, either electronically or physically, by the vendor. 

Although your payment may be received on this date, the processing time can vary for each payee and could take several business days to post. Also, checks that are sent through the United States Post Office may at times experience delays. Please allow adequate time (several business days following the "delivered by" date) for your payment to be posted. 

Use the Make a Payment button for convenient access to pay credit cards and HELOCs.

• Click on Manage Cards found in the Service section or under Card Services on your home screen. 
• Click the MAKE A PAYMENT button, displayed for all credit cards and HELOCs.
• Select a payment amount. Please note: If the current balance amount is selected for payment, you'll get a pop-up letting you know that the current balance may not be the payoff balance.
• Choose the FROM and TO accounts and delivery options on the Transfers screen to complete your payment. The payment amount will be prefilled for you.

Note: Because your payment amount due may vary each month, we recommend selecting a one-time payment. If you select a recurring payment, the payment amount will remain the same. 

If your mortgage is tied to a different membership than the account you want to make the payment from, you'll need to make a transfer by:

• Logging into the membership that has the checking or savings account you want to use to make the payment. 
• Transferring the payment amount into the checking/savings account of the membership with the mortgage. 
• Logging into the membership that has the mortgage and make the payment using the transferred funds. 

View the Transfer Guide for tips on initiating a transfer.

Everwise provides a 10-day grace period after your loan due date for the required minimum payment. Payments made after this grace period may result in a late fee.

If you need help with payment arrangements, contact Member Services at (800) 552-4745 or speak with a Live Agent.

You can make a payment as a guest by using the Pay Now tab or you can enroll and set up an account. Enrolling will allow access to features like viewing your payment history and setting up recurring payments.

Loans paid prior to 5:00 p.m. EST will be applied the next business day, and loans paid after 5:00 p.m. EST will be applied the second business day.

Mastercard Debit, Visa Debit and Discover Debit.

No, it will only attempt once.

The history displays each loan separately. To view additional loans simply click the dropdown and select the desired loan.

You can view the most up-to-date rates here.

Call us at (800) 552-4745. Member Services are available Monday - Friday from 7 a.m. to 7 p.m. ET and Saturday from 8 a.m. to 1 p.m. ET. 

You became an Everwise member when your auto loan was finalized at the dealership. Every member keeps a minimum of $5 in their Primary Share account to maintain membership.

Early Pay¹ lets you access your paycheck or other direct deposits up to two days earlier than traditional banks. This helps you access your paycheck faster for better cash flow management. It is automatically included with Simply, Plus, and Max Checking. 

Plus and Max checking accounts earn 0.35% cash back on debit card purchases, while Simply checking earns 0.25%. All accounts let you redeem rewards once you reach $10. 

Everwise members who register for Greenlight and link their Everwise account as their funding source will receive a Greenlight Core subscription for free.

Greenlight debit cards are FDIC-insured up to $250,000 and come with Mastercard's Zero Liability Protection. Parents can block 'unsafe' spending categories, receive real-time transaction notifications, and turn cards off at any time.

The money in your HSA is yours to keep for life, even if you switch employers or healthcare plans, or you retire. At the end of each year, any unused funds will continue to roll over for life. In other words, the funds in your HSA aren’t “use it or lose it.”

If you end up not using your HSA funds for medical expenses, you can save your money for retirement. As long as you are 65 years or older, you are allowed to withdraw funds for non-medical expenses. You may still need to pay income tax upon withdrawal, but you may not have to pay additional penalties.

HSA Savings Calculator 

IRS Publication 969 

IRS Publication 502

Financial Education Tools

You can check your loan or deposit application status at this link. If you need help or have questions, call us at (800) 365-3279.

You can open a new deposit account, apply for a credit card, or apply for a loan — including mortgages — right from the website.

You can also apply in online banking or the mobile app.

• From your home screen, click/tap Open Accounts & Loans within the Services section, located at the top of the page on desktop or the bottom of the page on mobile. You will be directed to an external link to complete the account opening, loan, or credit card application process.
• Click/tap Continue.
• Then, select Existing Member Account to open a deposit account (checking, savings, premium money market, or certificates) or select the type of loan or credit card.
• Follow the prompts provided. 

You will also be able to check the status of an application by clicking/tapping the corresponding link. 

Check your application status online using the link provided. You will also receive a mailed letter with full details.

If you need help, call (800) 552-4745 or use our Live Chat.

Loan processing times can vary, but you will receive a response within two business days. If you have questions, call (800) 552-4745.

Yes. Go to Check Status and send a secure message, or call (800) 552-4745 to request an increase. Keep in mind that changing the loan amount may affect your preapproval.

Yes. Loan Payment Protection helps cover your loan payments in the event of job loss, disability, or death. Call (800) 552-4745 to learn more. 

Start a Claim

Once your loan is paid in full, Everwise releases the lien and mails your title to the address on file within 10 to 14 business days. If you need it sooner, call (800) 552-4745 to request overnight delivery for a $20 fee.

If you would like to change or have forgotten your debit/credit card PIN, please call the related phone number below:

Debit cards pin: (866) 985-2273

Credit card pins: (888) 886-0083

First, please call us to let us know. 

For Debit Cards
During business hours (7 a.m.-7 p.m. ET on weekdays, 8 a.m.-1 p.m. ET on Saturday):

• Contact Member Services at (800) 552-4745.
• Visit your nearest Everwise branch.

After business hours (weekdays/weekends/holidays):

• Please call (800) 523-4175.

For Credit Cards
Call the 24-hour hotline at (888) 366-7072. 

Next, turn off your card in online banking

1. Log in to online banking, click Card Services from your navigation bar
2. Select Manage Cards and swipe to the card that has been lost or stolen.
3. Toggle the Locked/Active switch under the card image to the Locked position. 

Your card will remain locked until you toggle back to the active position.

Additional help

More fraud guidance is available on our Security Information page including additional steps you should take if you believe you believe you have been a victim of fraud.

You can view your credit card transaction history by navigating to the specific account located on the home screen.

You can apply for a new credit card directly from online banking or the mobile app.

• From the Services menu, click Open Accounts & Loans. You'll be directed to an external link to complete an account opening or loan application process.
• Click Continue and select the option to open a credit card.
• Follow the prompts provided.

You're also able to check the status of an application by clicking the corresponding link.

Credit card approvals are based on a variety of factors. For specific guidance regarding your application, call (800) 552-4745.

Cards sent by mail take about 7-10 business days. Many branches can instantly issue a new card if you need one sooner.

Balance transfers may be available with eligible Everwise credit cards. To get started, contact Member Services at (800) 552-4745 or apply for an Everwise credit card and follow the balance transfer instructions provided during the application process.

Credit card: Call (888) 886-0083

Debit card: Call (866) 985-2273