Online and Mobile Banking

Deposit Checks Anytime, Anywhere
 

Skip the trip to the branch and deposit checks in moments with Mobile Deposit. Just snap a photo, submit, and you're done—all from your smartphone.

How to Use Mobile Deposit:

1. Log in to Online or Mobile Banking.
2. Select “Deposit Checks” from the menu.
3. Sign the back of your check and write “For deposit only into CWCCU.”
4. Choose your account, enter the check amount, and capture check images.
5. Review, submit, and get confirmation—it’s that simple!

Enjoy secure, hassle-free deposits wherever you are.

Mobile Deposit FAQs

Is Mobile Deposit safe?
Yes. Mobile Deposit uses the same security and encryption measures we employ with all of our mobile banking services. When it comes to our members' deposits, safety is our primary concern.

Is there a limit to how much I can deposit with Mobile Deposit?
Yes, deposit limits as of 7/7/2020 are set as follows and are subject to change at any time.

• Per check limit — $10,000.00
• Daily deposit limit — $10,000.00
• Rolling 30 day deposit limit —$30,000.00
   

How long should I hold on to my check(s) after I deposit it using Mobile Deposit?
Once your deposit has been credited to your account, you should securely store the original check(s) for 60 days before destroying it.

For a full list of FAQS, click here.

Budgeting Tools Within Online and Mobile Banking

Manage your money with built-in budgeting tools in Online Banking. Sync accounts from other financial institutions—including credit cards, loans, retirement, and savings—to see your full financial picture in one place.

What You Can Do:

• Categorize transactions for easy tracking
• Set and monitor budgets tailored to your spending
• Track trends over time to manage expenses
• Plan debt payoff with helpful insights
• Calculate net worth by comparing assets and debt

Take control of your finances—all within the Online Banking system you know and trust!

Budgeting Tools FAQs

Can I make a transaction with my linked accounts?

No, linked account information is for display only. While you can view balances and transactions and even modify descriptions and categories, you cannot use linked accounts to create new transactions or transfer funds.

Note: Don't confuse 'linked accounts' with 'external transfer accounts.' External transfer accounts allow you to move funds to and from your account after verification. Linked accounts, however, are for display only—they show balances and transactions but won’t appear as options when making a transaction in Online Banking.

Why won't my linked accounts import into Online Banking?

• You can only link accounts from domestic, U.S. based Financial Institutions (FI).
• If your account credentials are for an external FI.
• Various issues can block you from linking an account. For example, if a specific FI does not appear during a search, it may not be currently accessible through our linking services. FI can be added so be sure to check back or ask your FI to include other FI in the future.
• If you hide all accounts from a specific FI, they will be deleted from your profile completely, and we will no longer receive transaction data for those accounts.
   

Simplify Payments with Bill Pay

Pay bills securely through Online Banking—anyone, anytime. Choose who to pay, when to pay, and which account to use.
 

Bill Pay Features:

• Secure Payments – Make one-time or recurring payments with ease
• All-in-One Convenience – Pay individuals and companies in one place
• Smart Reminders – Set up text and email alerts to stay on track
• Live Support – Get assistance with live chat whenever you need it

  New to bill pay? Watch our tutorial video to see how easy it is to get started!

Step-by-step setup instructions

Bill Pay FAQs

Do I have to create a new login?
No. At first login, you will just need to accept the terms and conditions and create 4 challenge questions! That's it!

Have my current payees been moved to the new system?
Yes, payees have been imported into the new system. However, any direct payees without an address have not been moved over.

Have my current recurring payments been moved over?
Yes, the 1st payment sent after conversion will look like a one-time payment. After that, recurring payments will show up as recurring in the 2nd month following conversion.

Am I be able to see my payment history in the new system?
Yes. 2 years of bill pay history is available.

Have my payees for Person to Person (PopMoney) been transferred? 
No, you will need to enter your payees into the new Bill Pay Platform. 

What will happen to my eBills?
eBills have not been transferred to the new system. On March 30, please re-enroll to your preferred eBills.
 

Meet Archie, CommonWealth's Virtual Assistant! 

Our virtual assistant is knowledgeable about all things related to CommonWealth. Whether you are browsing our website or within Online and Mobile Banking, Archie is available 24/7 to help you!

Here is how Archie can assist you:

• Answer questions about CommonWealth products and services
• Guide you on how to open a new membership or apply for a loan
• View account balances and recent transactions
• Find a branch or ATM
• Making an in-person or video appointment
• Provide some financial tips
• And much more!

Already a member? Login to Online and Mobile Banking to start chatting with Archie!

Virtual Assistant FAQs

• What is a virtual assistant or chatbot? 
  A chatbot is a computer software that understands simple questions and can provide you with the answers you need. The more questions it gets asked, the more it learns about how to better help you.
• Can I still chat with a live person?
  Yes, you can still chat with a live person. We recommend you give Archie a chance but you can connect to a live person during regular business hours.
• Can I use Archie within Online and Mobile Banking?
  Yes, you will be able to use Archie within Online and Mobile Banking. If you are logged in, Archie will be able to help you check your balances and transaction history. 

24/7 Account Access by Phone

Stay connected to your accounts anytime with Wealth Access Line, our free automated phone system. Whether at home or on the go, your accounts are just a call away. Call us to have you set up, then enjoy access anytime.

With Wealth Access Line, you can:

• Check balances, deposits, and recent transactions
• See which checks have cleared
• Review dividends paid
• Transfer funds, including between memberships
• Make loan payments

To get started, call (800) 564-1588 and select 1 for assistance, or visit a branch during business hours.