Digital Banking

Online Banking

How do I enroll in Online and Mobile Banking?
If you’re a first-time user, you’ll need to enroll in Online Banking before accessing the Mobile Banking app.

1. Visit the Statewide FCU website and select Enroll in Online Banking.
2. Verify your identity using your account number, Social Security Number, and identification information.
3. Create your username and password.
4. Download the Statewide Mobile Banking app from the Apple App Store or Google Play Store.
5. Log in using the same username and password you created during enrollment.

Do I need separate credentials for Mobile Banking?
No. Once you’ve enrolled in Online Banking, you can use the same username and password to access both Online Banking and the Statewide Mobile Banking app.

 Can I use Online Banking and Mobile Banking with the same account?
Yes. Your Online Banking and Mobile Banking access are linked to the same account, allowing you to manage your finances from your computer, tablet, or mobile device.

Mobile Banking

Can I deposit a check using the Statewide Mobile App?
Yes. Mobile Deposit allows you to securely deposit eligible checks anytime, anywhere using the Statewide Mobile App.

How do I deposit a check through Mobile Deposit?

1. Log in to the Statewide Mobile App.
2. Tap the (+) sign at the bottom of the screen.
3. Select Remote Deposit.
4. Tap Deposit Check.
5. Choose the account where you want the funds deposited.
6. Review and accept the deposit guidelines.
7. Take a picture of the front of the check.
8. Take a picture of the back of the check.
9. Enter the check amount.
10. Review your information and select Confirm.

Is Mobile Deposit safe?
Yes. Mobile Deposit uses secure technology within the Statewide Mobile App, providing a convenient and secure way to deposit checks without visiting a branch.

Account Maintenance

Can I add a joint owner to my account online?
Yes. Existing members can initiate the process through Online Banking.

Can I add a joint owner using the Mobile App?
No. The process must be started through Online Banking, not the Mobile App.

What information is needed to add a joint owner?
You’ll need the person’s:

• First Name
• Last Name
• Email Address

The prospective joint owner will also be asked to provide:

• State-issued Photo ID
• Phone Number
• Date of Birth
• Social Security Number

How do I add a joint owner to my account?

1. Log in to Online Banking.
2. Select the account you want to update.
3. Click the Add Joint Owner
4. Select the accounts you want the joint owner to access.
5. Enter the individual’s first name, last name, and email address.
6. An email invitation will be sent to complete the application process.

Does the joint owner need to do anything?
Yes. The individual will receive an email prompting them to provide the required information and documentation needed to complete the process.

Financial Wellness Tools

Wellness+

What is Wellness+?
Wellness+ is a free financial wellness tool available within Statewide Online and Mobile Banking. It helps you create budgets, track spending, monitor subscriptions, manage debt, set savings goals, and view your overall financial picture in one place.

How do I get started with Wellness+?

1. Log in to Online Banking.
2. Navigate to the Wellness+ section.
3. Complete enrollment.
4. Connect external accounts through Plaid if desired.
5. Explore budgets, goals, spending analysis, subscriptions, and debt tracking tools.

Do you have a budget tool?
Yes. Wellness+ allows you to create customized budgets, monitor spending categories, and track your progress throughout the month.

Can I track subscriptions and recurring bills?
Yes. Wellness+ can identify recurring expenses and subscriptions, helping you understand where your money is going each month.

Can I set financial goals?
Yes. Wellness+ allows you to create savings goals, track your progress, and stay motivated as you work toward important milestones.

Can I see accounts from other financial institutions?
Yes. Wellness+ allows you to connect eligible external accounts through Plaid, providing a more complete picture of your finances in one place.

Can Wellness+ help me pay down debt?
Yes. Wellness+ allows you to monitor debt balances, track payments, and view how debt fits into your overall financial picture.

Is Wellness+ free?
Yes. Wellness+ is available at no additional cost to Statewide members through Online and Mobile Banking.

Savings & Retirement

IRAs and Term Certificates

What is the difference between a Traditional IRA and a Roth IRA?
A Traditional IRA may provide tax benefits today, while a Roth IRA may provide tax-free qualified withdrawals in retirement.* 

How much can I contribute to an IRA?
Annual contribution limits are established by the IRS and may change from year to year.*

Can I open an IRA if I already have a retirement plan through work?
In many cases, yes. Eligibility and tax benefits may vary.*

Can I move my IRA from another financial institution?
Yes. Our team can help discuss available rollover and transfer options.

What is a Share Certificate (CD)?
A Share Certificate allows you to earn a fixed dividend rate on funds deposited for a specific period of time. Certificates are often a good option for money you don’t need immediate access to.

What are the benefits of a Share Certificate?

• Fixed dividend rates
• Predictable earnings
• Terms ranging from several months to multiple years
• Federally insured savings
• Ideal for money you won’t need immediately

What happens if I withdraw money before my certificate matures?
Early withdrawals may be subject to penalties. Please contact us for details regarding your specific certificate.

What is an IRA Share Certificate?
An IRA Share Certificate combines the retirement savings benefits of an IRA with the fixed-rate earnings of a Share Certificate.

Financial Wellness

Where can I find budgeting resources?
Visit our Financial Wellness Hub for articles and resources on budgeting, spending, saving, and other financial wellness topics.

Where can I learn more about saving money?
The Financial Wellness Hub includes articles covering emergency savings, smart spending, retirement planning, and long-term financial goals.

Do you offer resources for improving financial wellness?
Yes. Statewide offers educational content, calculators, financial wellness articles, and the Wellness+ budgeting tool to help members make informed financial decisions.

What financial wellness topics are available?

• Emergency Funds
• Smart Spending
• Credit 101
• Buying a Car
• Buying a Home
• Retirement Planning
• IRAs and Term Certificates
• Fraud Prevention
• Budgeting and Saving Strategies

Disclosures

* Members are encouraged to consult a qualified tax advisor regarding IRA eligibility, contribution limits, and potential tax implications.

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