Online and Mobile Banking Updates
Innovation Meets Convenience
We’re committed to continually improving your digital banking experience. As new features and improvements become available within Online and Mobile Banking, we’ll share updates here to help you stay informed and get the most from your banking tools.
From added convenience and security to new ways to manage your finances more efficiently, every update is designed with our members in mind. Check back often to see what’s new and what’s coming next at CommonWealth.
Frequently Asked Questions
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Send Money
What is Send Money?
Send Money is a new feature in Online and Mobile Banking that lets you send money to friends and family using just their email or mobile number, 24 hours a day, seven days a week.
How do I send money to someone in Online or Mobile Banking?
In Online or Mobile Banking, go to Move Money > Send Money.
Enter the recipient’s email address or mobile number. We’ll send them a link to accept the payment. They’ll provide their account information and choose how they’d like to receive the money (using their account number or direct to their debit card). Once completed, the funds will be transferred.
If their bank or credit union participates in either the FedNow® or RTP® network, the payment will be sent instantly. If not, processing will take 1-3 business days.
Will any payment I send through Send Money be available immediately?
No. The receiving bank or credit union must also participate in either the FedNow® or RTP® network for the payment to be sent instantly.
How do I know if a bank or credit union participates in the FedNow® or RTP® networks?
FedNow® and RTP® are payment networks that allow participating banks and credit unions to send and receive money almost instantly. You can still send and receive money from non-participating banks; the payments will just take a little longer to process, typically 1-3 business days.
You can check the list of participating financial institutions for each network using these links:
What if the person I send a payment to says they didn’t receive the funds?
If the recipient doesn’t receive or accept the funds, your account will be refunded within 72 hours.
Where can I send money, and which accounts can I send it from?
You can send money to any domestic checking or savings account using either Online Banking or the Mobile App. International transfers are not supported at this time.
When setting up a payment, you’ll see a list of your accounts that are available to send from in the drop-down menu. The numbers listed are your MICR/Account Number. If you’re having trouble distinguishing which account is which, you can find this number under Details and Settings within each account.
Are there fees, and how will I know if my payment went through?
There are no fees to send or receive money through Send Money. You’ll receive an email confirmation from CommonWealth with your transaction details after funds are sent.
Can I set up a recurring payment or set a payment for a future date?
Yes. You can schedule a payment for a future date or set up recurring payments on a weekly or monthly basis.
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Card Management
How do I enroll in Card Management?
Enrolling is easy!
Log in to Online or Mobile Banking, select Manage Cards from the menu > select your card(s) > Card Controls > follow the prompts > Enroll Cards. Once enrolled, visit Manage Cards to set up alerts, manage your debit and credit cards, and more.How can I manage my debit and credit cards using Card Management?
Log in to Online or Mobile Banking and select Manage Cards from the menu to:
- Activate new cards
- Access your card details
- Easily add your card to mobile wallets
- Temporarily enable/disable a card
- Set up card controls and alerts to limit spending or certain transaction types from being authorized
- Report a card lost, stolen, or used fraudulently
- Order a replacement for a damaged card
- Set up travel notifications
How can I activate my new debit or credit card?
Once a new card has been ordered, digital features will be available in Online Banking with no activation required. To activate your new physical card through Card Management:
- Once you've received your new card in the mail
- Log in to Online or Mobile Banking
- Navigate to Manage Cards
- Click on the new card listed to activate
- Once completed, you’ll receive a success message
How can I add or change a PIN for my card?
To request a new PIN or change a PIN, contact us at 800-564-1588.
How do I view my card details?
Under Manage Cards click View Card Details, then enter your secure access code to view your card information.
What is Add to Wallet?
Quickly and easily add your card details to mobile wallets like Apple Wallet and Google Wallet without needing to enter the numbers manually from your physical card.
From Mobile Banking, under Manage Cards, select the card you’d like to add to your mobile wallet, then click Add to Wallet.
What are card controls?
Card controls allow a cardholder to limit the use of their debit and credit cards by:
- Setting a limit per transaction to be declined if the transaction exceeds the limit
- Declining certain transaction types or transactions at certain merchants
- Decline or set a limit to recurring and/or ATM transactions
CommonWealth is not responsible if a transaction isn’t declined when a control is set.
Can I temporarily block my card?
Yes. Select the toggle by Enable/Disable card – this prevents any transaction from being authorized on your account. You’ll see that the card now shows “DISABLED”.
To begin using the card again, simply toggle it again, and the card will be enabled.
What are Alerts?
Alerts allow a cardholder to be notified, by SMS and/or email, when a transaction has been made on their debit and/or credit card.
Set alerts for:
- Spending and international transactions
- Types of transactions such as eCommerce, recurring, and/or ATM transactions
- Types of merchants, such as gas station transactions
Why didn't I receive an alert?
Verify that the phone number and/or email address provided at enrollment is correct. Alerts are available when your mobile device is within operating range of a carrier with an appropriate signal for data services. This service is subject to transmission limitations and service interruptions. CommonWealth doesn’t guarantee the delivery or accuracy of alerts, that alerts will always be available, or available in all areas.
How will I receive notifications?
- SMS messages will come from the short code 86434
- Email alerts will come from notifications@wealthcu.org
What are travel notifications?
Share travel details to reduce the chance of your card being declined for suspicious activity.
Log in to Online or Mobile Banking and select Manage Cards from the menu > select the card you’ll be using while traveling > Travel notifications > input information > Submit.
How do I report my debit or credit card lost/stolen?
Under Manage Cards, after selecting the card that needs to be reported > Report lost or stolen > select whether the card was lost or stolen > Report lost/stolen card .
If you suspect fraudulent activity on your card, complete the process above, then call (800) 564-1588 to start the dispute process.
How do I get a new card if I have reported it as lost, stolen, or fraud?
To report your card lost or stolen, log in to Online or Mobile Banking and, in the Manage Cards section, select the card that was lost/stolen > Report Lost or Stolen and follow the prompts. When you report your card lost or stolen, your card is blocked immediately to stop potentially fraudulent activity.
- If you are the primary member on the account the card is for, you will be able to access your new digital card immediately by clicking View Card Info. You can also use our Add to Wallet feature in the Mobile App to send your new card info to the mobile wallet on your device so that your access isn’t interrupted. Your new physical replacement card will be sent to your address on file and should arrive within 7-10 business days.
- If you are a joint owner on the account the card is for, your replacement card details will be visible in Online Banking within 1-2 business days. Your new physical replacement card will be sent to your address on file and should arrive within 7-10 business days.
If my card is damaged, can I request a replacement and continue using my existing card?
Yes! You can keep your existing card number and continue using it while you wait for your replacement card. Your new card will have a new CVV and expiration date.
To order your replacement card, log in to Online or Mobile Banking and navigate to the Manage Cards section, select the card that needs to be replaced > Order Replacement/Damaged Card.
Your new physical replacement card will be sent to your address on file and should arrive within 7-10 business days. In the meantime, you’ll be able to access your digital card info by selecting View Card Info.
If I order a replacement card through Online or Mobile Banking can I go to the branch to get a physical card immediately?
If you need a physical card immediately, please visit your nearest branch to request one. Your new card will be visible in Online and Mobile Banking later that evening, no earlier than 6pm.
If you choose to order your replacement card through Online and Mobile Banking and later decide to visit a branch for an immediate physical card replacement, the digital card issued to you online will be canceled and replaced by the card you receive in branch.
*APY=Annual Percentage Yield. Rate is variable and subject to change at any time. To qualify for the Rewards Checking APY, you must meet the following requirements by the end of each month: be enrolled in eStatements, have direct deposit or ACH deposit transactions totaling $300 or more per month, and have at least 15 debit and/or credit card transactions per month. All qualifying transactions must post to the account and the funds must be available by 3:00pm on the last day of each month. Note: Debit and credit card purchases can take up to 3 days to post and are dependent upon merchant processing times. If you do not meet the Rewards Checking account requirements, you will not receive the APY. Rewards Checking APY is up to a max balance of $20,000 and thereafter standard rate of 0.05% will apply. Membership in CommonWealth required. Limit one Rewards Checking account per member. All new accounts will be verified by ChexSystems. Members with an existing CommonWealth checking account may convert their current account into a Rewards Checking account. Offer is subject to cancellation without notice and cannot be combined with any other offer. No monthly service charge for Rewards Checking. You must opt-in to eStatements to have the $2 monthly paper statement charge waived.
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