Frequently Asked Questions

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:

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

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.

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. 

Everwise uses TheWorkNumber.com for employment and financing verification.

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

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

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

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.

Yes. View current career opportunities on our Careers page.

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

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.

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:

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

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. 

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. 

From your home screen, click/tap Card Services on your navigation bar and select Manage Cards from the dropdown menu. If you have multiple cards, you can easily navigate through them by swiping right to left on mobile or clicking the chevron (horizontal lines) on desktop. The screen will show an image of your card with corresponding card information below it.

Credit Cards

• View available balance and pending transactions.
• Make a payment.
• Members with Everwise Visa Signature Rewards can redeem rewards points.
• Activate a new card or lock your card in the event that it is lost or stolen.

Debit Cards

• View available balance and pending transactions.
• Redeem debit rebate amount.
• Notify Everwise of travel plans to ensure your card will work for you internationally.
• Update your PIN.
• View and manage your Overdraft Protection and Round-Up Savings features.
• Activate your new card or lock your card in the event that it is lost or stolen.
• Order a replacement debit card.

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

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.

Bill Pay statements will be available for up to 12 months.

When receiving an external transfer, you will only be able to view the date and amount of the transaction in your account history. If you would like to add a note once you have received a transfer, please take the following steps:

• Click on the account receiving the transfer on your home screen.
• Once inside, click the transfer received.
• Then, click Enter a note.
• Add your note and click Save.

Please note: Transfers received are not viewable in your Transfers service. Click here to view the full Transfers Guide.

Purchases with your Everwise Mastercard Debit Card can earn you up to $5,000 in cashback each year! Here's how it works:

• Every purchase with your Everwise Debit Mastercard earns a cash-back amount (0.25% for Simply Checking accounts, 0.35% for Plus and Max Checking accounts).
• Rebates are redeemable once your rebate total reaches $10 in a calendar year.
• You can earn up to $5,000 in total rebates in a calendar year.
• Non-redeemed rebates expire three years from the calendar year in which they were earned. 
• ATM transactions and cash advances are not eligible for cash back.

How to Claim Your Rebate

• Log in to online banking, click Card Services from your navigation bar.
• Select Debit Rebate.
• Click the Redeem My Rebate button.

You can also stop by your local branch and speak to an Everwise staff member to claim your rebate. 

External transfers scheduled before 4pm settle the next business day, and those made after 4pm may take up to three business days to reach your account. A "business day" excludes Saturday, Sunday, and federal holidays.

You can transfer up to:

• $3,500 daily
• $15,000 weekly
• $40,000 monthly 

First, ensure your device is configured to support biometrics. From the home screen, click/tap the menu in the top-right corner and select Security Settings.

• Enable Biometric Login by swiping the toggle switch from left to right.
• Enter your username and password credentials and follow the prompts.

Please note: Biometrics and/or facial recognition must be enabled in your phone's/device's overall settings to use this feature. Also, changing your username or password credentials may require you to re-enable Biometric Login within Security Settings. 

The service will consider a transfer as a duplicate if: 

• The amounts are identical, AND
• They involve the same accounts, AND
• They are made on the same day.

When all of these conditions apply, only the first transfer will process. 

Remember: The daily transfer limit is $3,500, which should help reduce or eliminate the need to make multiple transfers to the same account. 

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.

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.

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

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.

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

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

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.

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

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

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.

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

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. 

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.

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. 

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.

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 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.

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.

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.

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