Frequently Asked Questions

How do I open a checking account?

Visit the Checking page to compare accounts and open one online.

If you’re already enrolled in online banking, you can open a checking account using the Open Accounts & Loans tile.

How do I activate my debit or credit card?

To activate a debit or credit card, call (800) 631-3197 or call Member Services at (800) 552-4745. Cards can be activated instantly in the Everwise Banking app under the Manage Cards tile.

How do I report fraud on my account?

Your security matters to us. Visit our Security Information page for next steps in reporting fraudulent activity. If your cards or checks are lost or stolen, contact us immediately. If theft is suspected, we strongly recommend filing a police report.

How do I change my contact information?

You must do this when logged into online banking or the mobile app.

Click the menu in the top right corner of the home screen and select Profile.
Click the appropriate box to make changes to your address, phone number, or email.
Once your changes are made, click Save.

See more here.

Note: International addresses can only be added by contacting Everwise Member Services at (800) 552-4745.

How do I request a stop payment on a check?

You can call Member Services at (800) 552-4745 or use the mobile app/log in to online banking.

From your home screen, navigate to the Services section and click/tap Stop Payment.

Click/tap the arrow to add the account associated with the check(s).
Select the account under My Eligible Accounts.
In the Payment Details section, enter the check number. Please note that including the check amount is optional. Then, click/tap Next.
Select the account you want the fee to come from, then click/tap Add Account. Whether you stop a single check or a range of checks, only one $33 fee will be assessed.
Click/tap Review Stop Payment Request.
Once reviewed, click/tap Submit Stop Payment Request.
Your request will be processed and the $33 fee will be applied.

How do I change my default funding account for paying bills?

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

Click/tap Accounts from the main navigation menu at the top. On mobile, go to the navigation bar at the top of the screen and swipe right to left until you can select Accounts in the menu.
Select the account you would like to set as default by clicking/tapping the Make Default button under the chosen account.
Then, click/tap OK.

Please note: If you do not see the account you'd like to use, please contact Member Services at (800) 552-4745.

How do I make a credit card or HELOC payment in online banking?

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.

How do I enroll in Bill Pay?

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."

How do I transfer funds from my account with another financial institution using microdeposits?

How to use microdeposits to find step-by-step instructions for Adding Transfer Accounts Using Microdeposits.

How do I change an account's nickname?

To change an account's nickname, click the account you wish to update within the Accounts section on desktop, or tap the Accounts tab on mobile.

Clicking on an account takes you into the account details screen, where you can create or update the account's nickname by clicking the pencil icon located:

On desktop: Above the Make A Payment button (for a loan) or the Transfer button (for a deposit account).
On mobile: To the right of your account's current name.

Then, enter your new account nickname and tap the floppy disk icon to save your changes. You may need to log out and log back in to see the change.

Please note: Your account nicknames can only contain alphanumeric characters, hyphens, commas, apostrophes, underscores, and ampersands for your mobile and online banking services to work as expected.

How do I view my recent account activity?

Click the account you wish to view within the Accounts section on the homepage. Clicking on an account takes you directly to the corresponding account details screen where your account activity will display sorted by date.

How do I download a list of my transactions?

To prepare your transactions for download:

Click on the account.
Click on the search icon (magnifying glass).
Click on the filter icon (upside down triangle).
Once you've selected your filters, click Apply.

To download the list:

Tap the download icon.
Select your preferred file format.
Finally, select Download and Save.

How do I schedule an appointment?

You can schedule online at everwisecu.com/Book.

How do I sign my mortgage documents electronically?

Log in through the Finish or Check Status page. Enter the authorization code, then the last 4 digits of your Social Security number, then accept the eConsent agreement and follow the Docusign instructions.

How do I alert Everwise of travel plans?

1. Log in to Online Banking.

2. Tap/Click on Card Services.

3. Choose the appropriate card.

4. Select Travel Plans.

How do I invite friends through Refer-a-Friend?

Once registered, share your referral link by email, text, or social media.

How do I send a wire transfer?

To send a wire transfer, visit any Everwise branch with a valid photo ID. If you have previously arranged a wire transfer, you may also call Member Services at (800) 552-4745.

You will need your account information, transfer details, and the recipient’s banking information. For international wires, a SWIFT code and country are required.

Routing (ABA) number: 271291826

Fees

Domestic outgoing: $30
International outgoing: $50
Incoming: $10

Wires received by 4:30 p.m. ET post the same business day. After 4:30 p.m. ET, wires post the next business day.

How do I dispute a credit card transaction?

Call our dispute hotline at (888) 918-7322.

How do I check the status of my loan or deposit application?

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.

How do I order checks?

Call Member Services at (800) 552-4745. To protect members from potential fraud-related activity, Everwise requires that all first-time check orders be placed directly at your local branch or by calling Member Services.

For reorders you have two additional options:

Order directly at harlandclarke.com. Have your routing and account numbers handy. Details on finding them are here.
Log in to online banking and select Reorder Checks. Directions here >

How do I find a branch or ATM near me?

Visit our locations page for current hours information, services offered at each location, and maps to all branches and free or reduced-fee ATMs.

What if I have a question after hours?

Alice, the Everwise chatbot, is available 24/7 to answer your questions. Alice also gives you the option to chat live with Member Services during regular business hours.

When you visit the chatbot for the first time, you'll be prompted to register. Follow these easy steps to register and begin chatting with Alice:

Click/tap Help on your home screen's navigation bar (located at the top of the home screen on desktop and on the bottom on mobile).
Then select CHATBOT & LIVE CHAT.
Click/tap OK in the registration reminder window.
In the chat window, click/tap Register for Chat, then Provide Registration Information.
Enter your information and create your four-digit PIN.
Click/tap Submit to start chatting.

Where can I find financial education tools?

Everwise offers a variety of free, online tools to help with your financial planning and education. You can also access them through online banking.

Click/tap Help on your home screen's navigation bar and select Contact & Help.
Then, click/tap the Financial Education icon. You'll be directed to our Financial Planning & Education webpage, which provides information about Everwise's resources, calculators, and free online financial education programs available for students and adults.

Can members bank by phone?

Yes, you can check current balances, transfer funds between accounts, make loan payments, and review account history. Here's the number you need to get started — (800) 284-4725. Call and follow the automated prompts to manage your money by phone.

How do I schedule an appointment?

You can schedule online at everwisecu.com/Book.

How do I invite friends through Refer-a-Friend?

Once registered, share your referral link by email, text, or social media.

How do I verify Everwise employment or financing?

Everwise uses TheWorkNumber.com for employment and financing verification.

Visit theworknumber.com/verifiers/ and use code 10671192 or call (800) 367-5690.

Which holidays are Everwise branches closed?

See our full holiday schedule on our Holiday Closings page.

Though our branches are closed on these days, Member Services is typically available by phone at (800) 552-4745 from 7 a.m. to 7 p.m. Monday-Friday and 8 a.m. to 1 p.m. Saturdays.

Of course, you can still access your Everwise accounts through Online Banking, Mobile Banking, Bank by Phone and Text Banking.

What branches have coin counters?

Many Everwise branches offer complimentary coin counting. Visit our Locations page and filter by Branch Services to find one near you.

What perks do Everwise members get at Everwise Amphitheater?

Members enjoy pre-sale ticket access, early show announcements, and Fast Lane entry on concert nights – just show your Everwise Mobile Banking app to skip the line.

Can Everwise help me build or rebuild my credit or checking history?

Yes. Our Elevate Suite offers tools and products to help improve your financial standing and rebuild credit history.

Which ATMs can I use and what are the fees?

Alliance One and Co-op ATMs in Indiana are free. Other ATMs may charge a $2.50 non-Everwise ATM transaction fee.

Does Everwise offer Notary services?

Yes. Many branches have notaries available at no cost for members. Make sure to call your local Everwise branch to see when they have notary services. Schedule an appointment and bring your ID and member number.

Does Everwise offer financial calculators?

Yes. We offer several calculators to help you plan purchases and make financial decisions.

Is Everwise hiring?

Yes. View current career opportunities on our Careers page.

Where can I make a deposit?

Deposit at any branch, ATM/ITM, night drop, through mobile deposit on the app, or mail your check to PO Box 1395, South Bend, IN 46624.

Deposits made at an ATM/ITM or through mobile banking may take two to five business days to be available in your account balance. To find a branch, ATM/ITM, or Night Depository near you, click here, select your location, and click “See Details” to find the branch features.

How do I get a new debit card?

Many branches offer instant-issue debit cards. Visit our Locations page and filters for Debit Cards Issues Instantly.

Membership Eligibility & Requirements

Anyone that lives or works in the Indiana or Michigan counties or townships we serve is eligible for membership. See details below.
Immediate family member of an existing Everwise Credit Union member. See details below.

Indiana Eligibility

All Indiana counties, except Marion County, which goes by township. OR
Immediate family member is an existing Everwise Credit Union member. Immediate family members are defined as parents, spouse, children, step/adopted/foster children, brothers, sisters, aunts/uncles, nieces/nephews, grandparents, grandchildren, father/mother-in-law, son/daughter-in-law, and brother/sister-in-law.

Michigan Eligibility

Live in Berrien and Cass Counties in Michigan. Townships in Oakland & Macomb Counties: Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships. OR
Immediate family member - parent, child, or sibling - who lives in the same household as an existing Everwise Credit Union member. Immediate family members are defined by blood or marriage and include father, mother, son, daughter, brother, sister, or spouse. OR
Nonfamily member who is a dependent of the member according to tax filings and lives in the same household.

Membership Requirements

$5 initial Primary Savings deposit.

What ATM networks can I use without fees?

Every Everwise checking account provides access to Alliance One and CO-OP ATM networks nationwide.³ Plus checking waives up to two out-of-network fees monthly, while Max checking waives up to four.

Who should I contact if I have any questions about switching?

Contact our Member Services team at (800) 552-4745 with any questions you may have.

How do I find my Member and Checking Account/ACH Number for the Direct Deposit form?

On Desktop: Click on your account tile. Your Routing & Transit, ACH Number, and Member Number will display on the left side at the bottom of the screen.

On Mobile: Tap your account tile. Find the light gray bar at the top of the white account tile. Swipe down. Your Routing & Transit, ACH Number, and Member Number will display at the bottom of the screen.

You can also find this information at the bottom of your check:

How do I enroll in eStatements?

Click/tap the My Documents tile on your home screen in Online or Mobile Banking. 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 documentation electronically.

How do I obtain a new debit card?

You can visit most branches to receive an instant issue Debit Card.

How do I log in to online banking?

Click "Login" at the top right of any page on the Everwise website. Select Personal or Business and enter your credentials.

How do I make transfers?

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.

Where can I find my eStatements, notices, and other documents?

You can find all of your documents in Online Banking.

Click/tap the the hamburger menu at the top-right on the home screen, then select My Documents. You will see a list of your documents by date. Click/tap the grey paper icon to open a specific document.

How do I view statements online?

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.

Why can't I access Bill Pay?

Your account may have insufficient funds, or it may be closed. Call (800) 552-4745 and we will help you resolve it.

How do I enroll in/sign up for online banking?

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.

Which platform should business members enroll on?

Business members can enroll in Business Online Banking by clicking the Login icon at the top of any Everwise webpage. Then simply:

Select Business Banking Login from the online banking dropdown.
Click Enroll Now under the login button.

Note: If business account(s) are visible on your personal membership's home screen, you will not be able to access account details or do any type of transaction activity.

How do I download the Everwise Mobile App?

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

What if I forget my username or password?

You can look up your username or reset your password by clicking Forgot Username/Password on your login screen. Next, click Create New Password or Find Username to continue, or Cancel to return to the login screen. You will need your member number to make any changes.

How do I change where my login security (MFA) code is sent?

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.

Can I categorize and add personal notes to my transactions?

Yes, simply select the account you want to view to open the account overview. Once on the account screen, select a transaction to open a detailed overview. From there, you can select a category or enter a note, then click/tap Save.

If you would like to sort by categorized transactions, you can select the magnifying glass at the top-right of your transaction list and use the filter icon.

How do I send a secure message to Everwise?

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).

How do I change my contact information?

You must do this when logged into online banking or the mobile app.

Click the menu in the top right corner of the home screen and select Profile.
Click the appropriate box to make changes to your address, phone number, or email.
Once your changes are made, click Save.

See more here.

Note: International addresses can only be added by contacting Everwise Member Services at (800) 552-4745.

How do I locate Everwise branches and ATMs in online banking?

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.

How do I customize my home screen accounts and service menu settings?

You can customize your account display by selecting the Settings button with the gear icon to the right of the account menu. From here, you can rearrange the order in which accounts appear when you log in.

The services menu can also be customized by selecting the Settings option with the gear icon that corresponds to the Services section. This will allow you to customize which service options are listed on your home screen and the order in which they appear.

How do I enroll in eStatements?

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.

How long will my eStatements and other notices be available to view?

Documents will be available for at least 36 months from the date they are posted in online banking.

What if I have more than one member number when enrolling in online banking?

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.

How will I be notified when my eStatement or notice is ready to view?

You will receive an email notification each time your statement or other notice is made available in online banking.

From the home screen, click the menu in the top-right corner and select My Documents. You will see the option to set up the email where you would like to receive your eStatements. You can update your preferred email address by selecting the gear icon on the My Documents page.

Can I view my credit card statements in online banking?

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.

How do I manage alerts?

From the home screen, click/tap on the menu in the top-right corner and select Manage Alerts. Once there, you can configure an alert, set up new alerts by toggling the switch until the icon turns green, then select how you would like to receive the alert (text, email, push notification) and for which account. You can also edit an alert, or you can click BACK to return to the home screen.

You are able to configure the following type of alerts: Transfers, Account Balances and Transactions, Loan Payments Due, Secure Messages, and changes made within your Profile and Card Connect service.

Note: Bill Pay alerts can only be managed within the Bill Pay service.

How do I edit a scheduled transfer?

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

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.
Once inside, select the scheduled transfer.
Click/tap Edit Transfer.

For One-Time Transfers:

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

For Recurring Transfers:

Click/tap the scheduled transfer on your transfers list.
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.
Edit the information, then click/tap Update Transfer when finished.
Next, click/tap Submit Transfer and a success message displays.
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.

Can I edit an external transfer the same day it's scheduled to go out?

Scheduled transfers for external accounts are not editable on the day they are scheduled to occur.

Note: You will only be able to see transfers scheduled/recurring within the next 30 days. Any transfers outside of that window will not be viewable.

How do I make a mobile deposit?

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.

How do I view, edit, or cancel my scheduled payments in Bill Pay?

Log into online banking and click Bill Pay. Then, click Activity from the menu list.

To view/edit the payments you have scheduled:

Click Scheduled. You will see a list of your scheduled payments.
Click the Edit button located under the scheduled payment.
You can change the Amount, Send Date, and/or Account for the payment.
Make the changes you want, then click Save Changes at the bottom of the screen.

To cancel one of your scheduled payments:

Click the Cancel button located under the payment. You will be asked to confirm that you wish to cancel the payment.

How do I make a payment in Bill Pay?

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.

How can I set and view my Bill Pay alerts?

From the home screen, click Bill Pay, then:

Click/tap Alert Preferences from the main navigation menu at the top. On mobile, go to the navigation bar at the top of the screen and swipe from right to left until you see Alert Preferences in the menu.
Configure alerts by toggling to the right (Yes) to enable or to the left (No) to disable.

Note: These alert settings will apply to all your Bill Pay recipients/payees.

How do I view my Bill Pay statement for my recipient (payee)?

From the home screen click Bill Pay, then:

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

Can I pay multiple recipients at the same time in Bill Pay?

Multi-pay is not available at this time.

How do I add a recipient (payee) in Bill Pay?

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.

How do I pay my auto loan?

If you bank with Everwise, log in to online or mobile banking to make your payment.

If you’re paying from a non-Everwise account, use the Online Loan Payment Portal.

How do I make a loan or credit card payment?

If you bank with Everwise, log in to online or mobile banking to make your payment.

If you’re paying from a non-Everwise account, use the Online Loan Payment Portal.

See more about Online Loan Pay and other payment options here.

How do I make a credit card or HELOC payment in online banking?

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.

Can I skip a loan payment?

Qualified members can schedule a “Skip a Pay” in online banking or the app. A $25 fee applies, and only two skips are allowed in a rolling 12-month period. Some exclusions apply. See more details.

I want to make a mortgage payment from an account under a different membership. How do I do that?

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.

How do I get my loan payoff amount?

Visit a branch, use our live agent chat, or call us at (800) 552-4745.

What is the fee for a late car payment?

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.

Does Everwise provide a loan payment protection program?

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

Call to File a Claim

Take advantage of this process to file your claim for any of these Payment Protection Products:

Can I manage cash flow and payments through Everwise?

Yes, Everwise provides bill pay, ACH and electronic payment options (where available), and tools to help you manage vendor payments, recurring bills, and timing of cash in and out.

Do I need to set up an account to pay my loan using the Online Loan Pay site?

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.

What types of loans can I pay using this service?

Vehicle, personal, line of credit, credit card, home equity, HELOC, and mortgage loans.

Once I submit my payment online, when will my loan be paid?

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.

When making a loan payment with a debit card, when will the payment be processed?

When making a debit card payment, a hold will appear on the payment account immediately. The transaction will post within 48 hours.

What types of cards can be used for payments online?

Mastercard Debit, Visa Debit and Discover Debit.

How do I make an additional payment to principal or escrow on my mortgage?

Simply insert your payment information and click on the “pay my bills” tab. Then, select either principal reduction/escrow from the dropdown and click continue.

My ACH payment attempted once, and there wasn't enough to make my payment. Will it attempt to pull the payment again?

No, it will only attempt once.

I'm trying to pay with my debit card, and it's not working.

Please try making your payment using ACH instead. All you’ll need is your routing and transit number and your account number.

Why don’t all my loans appear together in my payment history?

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

How do I update my payment account information?

Click your name in the upper right-hand corner, select payment accounts, click the pencil icon and follow the instructions to update your information.

What's included with my Greenlight subscription?

Everwise members are eligible for the full Greenlight Core plan. This includes up to five (5) kids or teens with individual debit cards, instant money transfers, access to Level Up^TM, custom spending controls, setting up chores and tracking, creating savings goals, and more.

How much does Greenlight cost for members?

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

How do I get started with Greenlight?

First, you'll need to become an Everwise member. If you're not currently a member, apply here. Once you're approved, you can easily enroll in Greenlight from the Greenlight mobile app or the Greenlight website.

Are my Greenlight funds insured and safe to use?

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.

What are the basic tax benefits of an HSA?

There is a triple tax benefit to an HSA. You can contribute pre-tax dollars, pay no taxes on earnings, and withdraw the money tax-free now or in retirement to pay for qualified medical expenses. This information is not designed, meant, nor does it constitute the rendering of legal or tax advice.

How much can I contribute to my HSA Account?

Tax Year 2025	Tax Year 2026
Self: $4,300	Self: $4,400
Family: $8,550	Family: $8,750

What is a High-Deductible Health Insurance Plan (HDHP)?

An HDHP is a plan with typically lower premiums but higher deductibles than traditional insurance plans. A deductible is the amount you must pay out-of-pocket before the insurance company will pay for a claim. The premium is the amount of money paid to the insurance company periodically/monthly for the policy.

For 2026, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,700 for an individual (self-only coverage) or $3,400 for a family. Visit this IRS resource for more information.

Do all funds in my HSA need to be used within the year?

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.”

What qualifies as an HSA expense according to the IRS?

Although qualified expenses are subject to change annually by the IRS, costs considered to be medically necessary are generally considered as qualified. Expenses that are for elective procedures (such as cosmetic purposes), are not. Withdrawing funds for non-healthcare related reasons (unqualified expenses) may result in penalties. The penalty can be up to 20% of the costs if you’re under 65, and the withdrawal is taxable. Visit this IRS resource for more information.

Can HSA funds be used for retirement?

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.

Can my dependent also get an HSA debit card?

If you have a family plan, you can order a debit card in the name of your spouse or dependent. This provides more options to you and your family members to access your health savings account. To order a card for your spouse or dependent, simply visit a branch or call Member Services at (800) 552-4745.

Additional HSA Resources

HSA Savings Calculator

IRS Publication 969

IRS Publication 502

Financial Education Tools

Where can I find my member number and the Everwise routing number?

Your member number is a unique identifier that contains all your account information. You can find your member number and routing details in a few places - on your statement, in online banking, and the routing number is at the bottom of every website page. More details can be found here.

How do I check the status of my loan or deposit application?

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.

What are your current loan and deposit rates?

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

How do I set up direct deposit?

Transfer your direct deposit (payroll, Social Security, pension, investment/brokerage, etc.) by downloading the form or by contacting your employer or the business/organization initiating the deposit. Provide them your new account number and Everwise's routing and transit number (271291826).

Resources

Direct Deposit Form
Social Security Administration: (800) 772-1213
Department of Veterans Affairs: (800) 827-1000

How do I close my checking account?

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.

How do I open a checking account?

Visit the Checking page to compare accounts and open one online.

If you’re already enrolled in online banking, you can open a checking account using the Open Accounts & Loans tile.

How do I open a new account or apply for a loan/credit card?

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.

Why do I owe $5 in my Primary Share account?

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.

Why is my deposit not showing in my recent transactions?

Call Member Services at (800) 552-4745. We are available 7 a.m. to 7 p.m. ET on weekdays and 8 a.m. to 3 p.m. ET on Saturdays.

What is Early Pay and how does it work with direct deposits?

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.

³Early Pay: Simply, Plus, and Max checking accounts may receive certain ACH credit transactions, up to two days prior to the final scheduled settlement date. Early availability is considered provisional credit, is not guaranteed by any specific time of day, and depends on submission by the payor, fraud prevention checks, and account limits. Early Pay is not a guaranteed service.

With certificates, what is compounding dividends?

The dividends earned on your certificate is added to your certificate balance at regular intervals. This is called "compounding." You can collect all of your earned dividends when your certificate matures at the end of the term.

Which account offers the best cash back rewards?

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.

What do I need to bring to open my teen's Simply Checking account at a branch?

A parent or guardian needs a valid ID, plus the minor's birth certificate or government-issued ID. The whole process is quick — 30 minutes.

What are your current loan and deposit rates?

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

How do I open a new account or apply for a loan/credit card?

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.

How do I sign my mortgage documents electronically?

Why was my loan application declined?

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.

If I am pre-approved for a personal loan, what are the next steps?

Once you receive your approval, your loan documents will be emailed to you. After you sign and return them electronically, the funds will be deposited into your Primary Share account.

If you have questions, you can check your application status online or call (800) 552-4745.

When will I receive my loan funds?

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

If I’m approved for a loan, how will I receive my funds?

An Everwise representative will contact you to confirm how you want to receive your loan proceeds.

If you have questions, call (800) 552-4745.

Can I request a higher loan amount after applying?

Yes. Go to "Check Your Application 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.

What insurance coverage do I need for my vehicle loan?

Most title secured loans require full coverage insurance. If you have questions about your specific loan, call (800) 552-4745.

What information is needed regarding loan collateral?

Collateral requirements vary by loan type. Call (800) 552-4745 for guidance on what documents or details you may need to provide.

When will I receive my auto/vehicle title after paying off my loan?

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.

How do I upload documents for my mortgage application?

Visit the Finish or Check Status page, sign in to your mortgage application, then go to the Documents tab and upload your files.

How do I make a loan or credit card payment?

If you bank with Everwise, log in to online or mobile banking to make your payment.

If you’re paying from a non-Everwise account, use the Online Loan Payment Portal.

See more about Online Loan Pay and other payment options here.

How do I change my debit or credit card pin?

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

How do I activate my debit or credit card?

To activate a debit or credit card, call (800) 631-3197 or call Member Services at (800) 552-4745. Cards can be activated instantly in the Everwise Banking app under the Manage Cards tile.

What should I do if my credit or debit card has been lost or stolen?

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

Log in to online banking, click Card Services from your navigation bar
Select Manage Cards and swipe to the card that has been lost or stolen.
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.

How do I open a new account or apply for a loan/credit card?

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.

How can I view my credit card transaction history in online banking?

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

How can I view and manage my credit card rewards points?

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.

Where do I apply for a new credit card in online banking?

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.

Can I set up alerts to monitor my debit or credit card transactions?

From the home screen, click on the menu in the top-right corner, then:

Click Manage Alerts.
From the list of alerts, select Balance and Transaction.
At the bottom, click SELECT ACCOUNTS.
Select the account for which you would like to create an alert.
Configure the alert by toggling the icon so it turns green to enable your alert, then customize the amount needed to trigger your alert.
Click Save.

Note: These notifications will be sent out daily in the morning.

What credit score do I need to qualify for a credit card?

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

How do I check my debit card rebate balance?

Select “Debit Rebate” in your Services menu in mobile and online banking to view your progress and available balance.

How long does it take to receive a debit card?

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

How do I dispute a credit card transaction?

Call our dispute hotline at (888) 918-7322.

Does Everwise charge travel transaction fees on my credit card?

Everwise credit cards do not charge currency conversion fees.

If you are traveling abroad, notify us through online banking by selecting "Manage Cards", then "Travel Plans" so that your card will work upon your arrival.

How do I transfer a balance to my Everwise credit card?

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.

How do I get a new debit card?

Many branches offer instant-issue debit cards. Visit our Locations page and filters for Debit Cards Issues Instantly.

How do I change or customize my credit or debit card PIN?

Credit card: Call (888) 886-0083

Debit card: Call (866) 985-2273

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.