A New Digital Banking Experience is Here!.
Download the new app today in your Apple or Google Play Store.
A New Year, A New Look.
What you need to know
Mobile Banking
New App: The new app will have a different look from the current app. Make sure to download the app that has the WinSouth "W" with the sparks on the side. The app will be available for download on February 7th.
Online banking
To access your online banking via desktop or laptop, visit winsouthcu.com and click the online banking tab in the right-hand corner. Please do not use a previous URL that you've saved as a bookmark to sign in as you may receive a page not found error.
First-time logging in for existing digital banking users
- Username: Your current online banking username is preloaded into the online banking database and you will use it to log in to the new digital banking platform for the first time. If your current username contains a space,
- Any username that had a space, an ampersand (&), a percent sign (%), or a hashtag (#) will need to replace it with the underscore ( _ ) when signing in.
- Password: Your initial password structure will be the last 6 digits of your SSN + MMDD of your date of birth. (Example: If your SSN is 123-45-6789 and your DOB is 01/01/1985; your initial password will be 4567890101.)
- Some users will be prompted to create a new username if their current one contains characters that are not supported in the new platform.
- Setting a new password: After you have entered the initial password, you will need to create a new password for your digital banking account.
- As an enhanced security feature, Multi-Factor Authentication will be used with the new digital banking platform. You will be prompted to use either your email address or cell phone number to verify your device. The system will pull the phone number and email address that you have in our system. Please make sure this information is updated prior to the conversion. If the information listed is incorrect please contact a WinSouth representative.
Important Information and Recommendations to Prepare for the Upgrade
- Make sure your contact information is updated: Members can update their information through online banking, mobile banking, or by visiting us in person.
- Be prepared for longer wait times: Please keep in mind that lobby traffic and phone call volume will be higher than normal during this time due to the upgrade.
- ATMs and Branch Lobbies: Members will have access to ATMs and in-branch transactions.
- Debit Cards: Debit cards will not be affected during the upgrade.
- iTalk: iTalk will not be affected during the upgrade.
Rest assured, we’re working hard to ensure this experience is a seamless one—every step of the way. Please don’t hesitate to contact us at 800-757-7302 with any questions you may have. Visit winsouthcu.com for more information and subscribe to our email blast to receive notifications in the coming weeks.
Sincerely,
WinSouth Management Team
You Asked, We Answered.
At WinSouth, we value your feedback. We took note of some of the top requested online banking features that our members would like to see and we will be implementing those, and more, in this new upgrade! Take a look at just a few of the new products you'll be seeing within your new digital banking!
- Mobile Check Deposit
- Debit Card Controls
- Ability to Add External Accounts
- Credit Score Monitoring
- Digital Budgeting
- Enhanced Account Alerts
- Text Banking
- Share access
- Live Chat with a WinSouth Employee
- And Much More!
With the upgrade to the new Digital Banking experience, current QuickBooks users will be required to make changes. QuickBooks will not be available from Sunday, February 4th until Friday, February 9th. Please download any transactions you may need from online banking before February 4th. Once you log in on Friday, you'll be able to use Direct Connect and connect your WinSouth accounts. Please review the important instructions below to ensure a smooth transition to the new experience.
Web Connect Users
Users that use Web Connect and upload their transactions from their online banking will have access to Direct Connect starting on Wednesday, February 7th. The following conversion guidelines do not apply to you. Click the link below for Direct Connect setup instructions.
Express Web Connect Users
Express Web Connect Users will be able to access their QuickBooks account on Friday, February 9th. To ensure a smooth transition, please follow the conversion guidelines below. Your second action date is Sunday, February 4th.
What Is Cards HQ?
Through our new digital banking experience, we're able to offer you card controls at your fingertips. Lost your debit or credit card? No worries. Through Cards HQ you can turn your card on and off. Cards HQ can be found within online banking and the mobile banking app. Check out more convenient features that are offered through Cards HQ!
- Manage Travel Plans
- Set travel notices on your card(s) for uninterrupted purchases during travel.
- View History and Card Transactions
- View Your Digital Card
- Securely access card credentials without a physical card.
- Report Card Lost or Stolen
- Easily detect fraud, report card lost, and request replacement cards.
- Controls and Alerts
- Users can set alerts for transactions at a certain location, merchant, or by transaction type.
- Users can also set limits on when, where, and how cards are used.
- On and Off Feature
- Lost card? Suspected Fraud? Easily turn your card off and back on when you're ready.
- Spending Insights
- Make Credit Card Payments
- Access Credit Card Rewards portal with a single sign on
- View Credit Card Transactions
FAQs
Why is WinSouth’s Digital Banking experience changing?
We have upgraded to a new Digital Banking platform to provide you with a more powerful and personalized experience with new, innovative features and tools.
When will the change take place?
The new Digital Banking experience will GO LIVE on the morning of Wednesday, February 7, 2024.
What is different about the new Digital Banking experience?
A seamless, personalized experience with quicker access to key features, making it easier than ever to find the information and tools you need.
- Secure, live chat with a team member.
- Financial wellness tools to help you set goals, manage budgets, and more.
- Direct connect to QuickBooks®.
- The ability to view external accounts inside your WinSouth digital banking.
- A robust mobile app enabling you to check balances, move money, deposit checks, and much more.
- Easy SMS banking takes the hassle out of signing in to view balances or transfer money.
- Manage your debit and credit cards through CardsHQ. Turn your card on or off, request
replacement cards, place on travel mode, and set alerts and limits on how, when, and where your
card can be used. - View and keep track of your credit score.
- Learn how certain actions can affect your score, tips to improve your score, and offers that could save you money.
- Shared account access feature.
- & so much more!
Will I be able to view recent transactions, pay bills, and set reminders with the new system?
Yes. The new navigation and screen flows will provide a more user-friendly experience making it easier than ever to find the information and tools you need to manage your money.
Will I have to update my mobile app?
Once the transition to the new Digital Banking experience is complete, you will be required to download the new Mobile App. To download the new Mobile App, visit the App Store for Apple users or Google Play for Android users and search WinSouth Credit Union. The current/old Mobile App will no longer work after the upgrade.
Do I need to re-enroll in WinSouth’s Digital Banking experience?
No, you do not need to re-enroll in WinSouth’s Digital Banking; however, there are some steps you will need to take to access your accounts.
How do I log in to the new Digital Banking experience for the first time?
There are a few steps you will need to take to access your accounts for the first time.
- Step 1: When you log in for the first time, use your current Username
- If your username contains a space, &, # or % sign, replace it with an underscore ( _ ),
- Step 2: Use the last six of your social and your two-digit month and day of when you were born for your password. Ex. 123456MMDD
- Step 3: Review and agree to the new terms and conditions.
- Step 4: Create a new password
- Step 5: Due to security enhancements, you may also be required to create a new Username if your current one includes characters that are not supported.
- Step 6: Multi factor authentication will be used in the new digital banking. Select how you would like your access code sent to you. If the information showing is not correct, please contact a WinSouth Representative.
Username and password requirements will be listed on the screen.
How do I view my statements?
Once you login to the Digital Banking experience, you will be able to easily access past and current statements from the navigation bar. Just click on Statements.
Will my previous transaction history transfer over?
Yes.
Will my current internal auto transfers be moved to the new Digital Banking experience?
Yes, all existing auto transfers you had set up in the previous Digital Banking platform will be loaded in your new Digital Banking experience. However, to edit existing transfers, you’ll need to contact a WinSouth representative. Any new scheduled transfers can be scheduled in the new digital banking.
Will my current external transfers be moved to the new Digital Banking experience?
Members who had External Transfers enabled prior to the conversion will need to set these up again.
Will my current Bill Pay payees transfer to the new Digital Banking experience?
Yes, all bill Pay payees you had set-up in the previous Digital Banking platform will be loaded in your new Digital Banking experience.
Who can I pay using Bill Pay?
You can send payments to any individual or business in the United States—including large companies and small companies, as well as individuals such as childcare providers or family members. Bill Pay sends payments electronically whenever possible. If the recipient cannot receive electronic payments, a check will be printed and sent from the bill pay system to the payee address you provided during the payee setup process.
What bills can I not pay with Bill Pay?
You cannot use Bill Pay to pay any company or individual with an address outside the United States or its territories.
Are my payments guaranteed?
We guarantee that your payments are protected and will be sent on time, every time. If we fail to process an adequately scheduled bill payment following your instructions, we will reimburse any late charges assessed by the biller.
What should I do if I am a current QuickBooks user?
With the upgrade to the new Digital Banking experience, some QuickBooks users will be required to make changes to their QuickBooks software. Please review the important instructions listed in the QuickBooks tab to ensure a smooth transition.
Intuit aggregation services will be interrupted for up to 5 business days, post Go LIVE. We have submitted the initial updates; however, this project will NOT support aggregation services post conversion. Any questions/issues should be address within the post conversion channel.
The current Bill Pay platform will be unavailable beginning at 4:00 P.M. CT on Tuesday, February 6th. The updated version of the platform will be available on Wednesday, February 7th. Scheduled payments that are due during this downtime will continue to process. Once the new system goes live, your scheduled payments, previous payees, and history will transfer over.
If your screen is blank when you click the bill pay tab in online banking, you may need to reconfigure your web browser settings. Please walk through the browser settings linked below. This will ensure your browser is fully compatible with bill pay. After you complete the settings, please open a new browser and access online banking without using a favorites link or bookmark. If the settings do not resolve the issue, please contact us back for further assistance.
We've created online tutorials and step by step guidelines to walk you through some of the key features that will be available in the new platform. Click on the links below to get started.
Videos
- Existing User - Signing on for the first time
- Setting Alerts through online banking
- What is Text Banking
Printer Friendly PDF Guidelines
- Existing User - Signing on through the mobile app for the first time
- Existing User - Signing in through online banking
- Setting Alerts in Digital Banking & Through Cards HQ
- Instructions for setting Spanish as your default language
- Bill Pay Browser Configuration (For those having trouble with Bill Pay loading)
- QuickBooks - setting up Direct Connect for the first time
- QuickBooks Conversion Instructions
- Sharing/Removing Access
Guidelines for Users who were not previously set up on digital banking
We're very excited to roll out our mobile deposit product. Here are the details regarding how you'll need to deposit your checks and the times that they'll be approved/accepted.
- All checks must be endorsed on the back with:
- The signature(s) to whom the check is made out to
- "For Mobile Deposit Only WinSouth CU"
- If either of these are missing we will reject the image and request the endorsement to be added and submitted again.
- We have 2 cut-off times for Mobile Deposit - 9:00am and 3:00pm (Central Time).
- Checks deposited by 9:00am and approved by 9:30am will be batched and will post (same-day) between 10:00am and 10:30am.
- Checks deposited by 3:00pm and approved by 3:30pm will be batched and will post (same-day) between 4:00pm and 4:30pm.
- Checks received after 3:00pm will be included in the next day's batch.
- We do not currently have approvals set up for the weekend. All weekend checks will be reviewed in time for Monday's 1st batch.
- Holds may apply on checks just like in branch check deposits.
- Members can see the status of their deposit in the Mobile Deposit section of the app. There is a History tab you can navigate to that will allow you to not only see the status of each deposit but also view images of the checks you've submitted.
