How to Make the Most of Your Online Banking Tools


 

Online banking is as powerful as it is convenient. The more you know, the more you can benefit. It’s also one of the best ways to manage your money during a public health emergency. Here are eight ways digital tools like our Web Branch and mobile app can help you meet your financial goals.

1. Simplifying saving
Saving money can be hard, but what if you could do it without thinking about it? With automatic transfers, you can schedule recurring transfers from your checking account to your savings account on the schedule of your choice. Set these up through our Web Branch or app.

Online banking made easy through UW Credit Union.

2. Making bill payments a breeze
Instead of worrying when your bills are due every month, let your bank account do it for you. UW Credit Union’s Web Pay can be used to make recurring payments to individuals, businesses and charities, offering a “set it and forget it” approach to bill paying. This tool can also be used for one-time payments.

After you select a payee, a payment date and an account to draw money from, we’ll deliver your payment electronically. If your payee needs a paper check, we’ll mail one to them on your behalf.

3. Sending money in a snap
UW Credit Union offers Zelle, a safe and easy way to send money quickly. It’s also a secure way to receive money within seconds. People who receive money from you can use this service no matter where they bank, and we don’t charge any fees to use it. As with similar services like Venmo and PayPal, you just need the recipient’s email address or mobile phone number to complete a transaction.

4. Monitoring your credit score
Your credit score is the bedrock of your financial health, so it’s important to keep an eye on it. There are several ways to do this, but some are more efficient than others.

Our Web Branch dashboard lets you view your score for free as you check your account balances, review transactions and perform other tasks. Powered by SavvyMoney, this feature provides an instant snapshot of your credit health, as well as your full credit report and personalized tips for improving your score. You can also sign up to receive automatic alerts when your credit profile changes.

5. Watching and celebrating your progress
If you’re looking for motivation to save, check out the Savings Goal function of Web Branch. First, set a goal. Then watch a meter that fills up as you get closer to that goal. If you’re a visual person, it might help you stay on track.

6. Helping you avoid temptation
If watching your savings grow tempts you to spend, you can hide the Savings Goal meter from view in Web Branch. To do this, uncheck the Favorite Account box under the Account Details tab to keep your savings stats away from your dashboard.

7. Supporting your budgeting efforts
Do your spending habits reflect your budget? Some banking platforms can help you find the answer. Tools like Mint and our Web Branch let you create spending categories that you can assign to transactions in your account history. This can give you a better understanding of how you spend your money and how you can improve.

8. Checking balances and more from anywhere
If you’re unable to access Web Branch or don’t want to log in from an unsecured network, you can still check on your accounts. Just shoot us a text at UWCU9 (89289) to see your account balances, transfer funds, view loan due dates and more.

We're Here to Help

UW Credit Union is here for you, no matter what. If you’re worried about money or having financial difficulties, we can help you find a way forward.

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Web-Based Banking

During a pandemic, banking online is a safe, smart choice. If you’re a UW Credit Union member, you can do these things and more from a smartphone, tablet or computer:

  • See account balances and history
  • Transfer money
  • Deposit checks
  • Make loan and bill payments
  • Send and receive messages
  • Monitor your credit score