This is the first screen that comes up when you log into Online Banking. It will list all accounts that the user is associated with
This is the “Make a Transfer” screen. Members can transfer money to all their Wave FCU accounts. They will select where the money is coming from and where it is going to. They can choose to do the transfer once or recurring.
This is the Bill Pay screen. If the member has multiple accounts, they will choose which account they want to use for Bill Pay before they click Continue.
This is an example of a Bill Pay Payee that has already been setup by a member.
This is the E-Statement screen. If the member has multiple accounts, they will choose which account they want see their E-Statement on.
The first time a member logs into E-Statements, they will have to read and accept the Disclosure & Agreement.
This is the top of the Disclosure that the member must read and accept.
The member will click on the red box to access their E-Statement.
This is the Check Ordering screen. If the member has multiple checking accounts, they will choose what account they want to order checks for.
This is the main Check ordering screen. The member will need to scroll down to see their check order information.
This screen shows the last style check the member ordered and the next starting check number. The member can just click on “Checkout” if they don’t want to change anything.
This screen is where the member can send Wave FCU a secure message.
This is the Settings screen where the member can see their User information.
This is the Additional Services screen where the members can see additional settings.
This is the Event Logs screen where the member can see the dates, times and what they accessed via online banking.
NEW Online Banking
We always look for ways to make it more convenient for you to bank with us. That's why we are excited to provide you with a whole new mobile banking app and online banking experience! With more tools to help you manage your money, we provide you with everything you need to let your banking keep up with you.
First time using the new system? Don't worry...it's easy. We've outlined the first steps that you'll need to take on our Get Started page.
Need help? For your convenience, we've created a growing library of Tutorials and Frequently Asked Questions to help you register and use the new system.
Transfer Money
Easily transfer money between your accounts
or to another member.
Send Money
Powered by Allied Payment P2P, send money to anyone,
anywhere in the world.
Bill Pay
Manage bills by making payments
directly from your checking.
Mobile Deposit
Quickly deposit checks using your mobile device.
NEW Online Banking
We know that you likely have lots of questions about our new mobile app and online banking. To help you, we have compiled a list of frequently asked questions to help guide you through the registration process and each feature. Please select from our categories of FAQs below.
1. Do I need to register if I previously used Wave’s Mobile and Online Banking?
Yes. Since this is an entirely new mobile app and online banking system, you will need to register as a new user. You will be able to select your preferred user name.
2. Do I need to re-download the mobile app?
Yes. You will need to download our new app from your app store. Simply search for Wave Federal Credit Union and download our new app with the light blue icon.
Or, you can select the app store for your device below.
3. What do I need in order to register?
You will need your account number and personal information (e.g. birthdate and social security number) to register.
4. How do I find my account number?
Your account number is located on the membership ID card you were issued at the time you opened your Wave FCU account. You can also find your account number on your monthly/quarterly statement.
5. I get an error that says “The information provided does not match our records.” What do I do?
First, check that you have entered your account number and personal information correctly. If you still are having problems, please contact us at 401-781-1020 during regular business hours. You may have to visit one of our locations if the information that we have on file for you is incorrect.
6. The contact information listed on my account is incorrect. What do I do?
You can update your contact information within online banking after you have registered and logged in. You can do this under Profile and Settings in online banking, or under Contact Information within the mobile app.
7. Can business and trust accounts register?
Yes. Business owners will need their TIN and account number to get started. Trust account owners will need their trust account number and trustee personal information.
8. What is a security image and security phrase?
The security image and phrase are added safety features that you will customize during registration. They serve as important visual cues when you are logging in to Wave’s online banking. Sometimes hackers will try to replicate a financial institution’s online banking site in order to trick members into entering their account information into a fake site. The security image and phrase helps protect against this.
Each time you log in to online banking from a web browser, you should look for your security image and phrase. If you do not see them, do not log in. The security image and phrase is specific to online banking, so you will not see these items on the mobile banking app.
1. How do I log in for the first time?
When you log in for the first time, or from a new device, you will be asked to have a One Time PIN delivered to you via email or phone. Simply retrieve and input the PIN to finish logging in.
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2. The PIN is being sent to a phone number or email that I no longer have access to. What do I do?
You will need to update your contact information with the credit union. You can do this in person at any branch or give us a call at 401-781-1020.
3. How can I log in using my fingerprint or facial recognition?
First, you must have Wave’s Mobile App installed on your device. Then, you must enable fingerprint or facial recognition under Settings and Biometrics. Once you do so, you can then use your fingerprint or facial recognition to log in to the mobile app or online banking via Quick Login.
1. Will my alerts carry over from the previous online banking?
No, alerts will not carry over to the new mobile app or online banking. You will need to set up them up again.
2. How do I set up alerts?
You can set up alerts in online banking under Messages & Alerts or in the mobile app under Manage Alerts.
3. On which accounts can I set alerts?
You can set up alerts for any of your savings accounts or loans. You can also set up general alerts to notify you when your log in credentials change or when a password reset has been requested.
4. Where can I have account alerts delivered?
You can have alerts delivered as a text to your cell phone, an email, and/or as an app notification.
5. What type of alerts can I set up?
There are many types of alerts that you can set up, including low balance, large transactions, loan payment due, and more.
1. Will the transfers and payments that I had set up in the previous system carry over?
If you had bill payments set up in the previous online banking system, they will continue as scheduled. Transfers set up previously by members through online banking, will need to be set up again.
2. How do I transfer money between my accounts on the same membership?
In online banking, select Transfers & Payments from the left-hand navigation. On the Make a Transfer or Payment screen, you will need to select where the money is coming from (section 1) and then where you want the money to go to (section 2). Once you do that, you will be able to specify how much you want to transfer and when (section 3).
In the mobile app, select Transfers from the left-hand or pop-up menus. Then, select where the money is coming from and where you want the money to go to from the drop downs. Once you do that, you will be able to specify how much you want to transfer and when.
3. Can I transfer money to another Wave member?
Yes. Simply follow the steps for performing a transfer and, when you select where you want the money to go to, select Another Member from the bottom of the list of accounts. In order to send money to another Wave member, you will need to know their account number and last name. If you do not know this information, you can send them money via Allied Payment P2P using your Wave checking account.
4. Can I transfer money to another Wave account that I am an owner of?
Yes. The easiest way is to Link Memberships so that all of the memberships that you are an owner of appear under your username. Or, you can follow the steps for performing a transfer and, when you select where you want the money to go to, select Another Member from the bottom of the list of accounts. Then input the other account number and last name on the account.
5. Can I transfer money to my non-Wave account?
Yes. Simply follow the steps for performing a transfer and, when you select where you want the money to go to, select An External Account from the bottom of the list of accounts. In order to send money to an external account, you will need to know the bank name, routing number, account number and type of account.
6. Can I transfer money to someone who is not an Wave member?
Yes. You can send money from your Wave checking account to nearly anyone, anywhere by using Wave's Send Money feature (person-to-person payments), which is powered by Allied Payment P2P.
In the mobile app, select Send Money from the left-hand or pop-up menus. Then, select which account the money should come from, along with how much. You will then need to enter the recipient's email or mobile phone number.
In Online Banking, select Transfers & Payments from the left-hand navigation. On the Make a Transfer or Payment screen, you will need to select your checking account as where the money is coming from (section 1). Then, select Any Phone or Email as where you want the money to go to (section 2). Then, input the recipient’s name, email address or phone number, and the country (section 3). You can then specify how much you want to send and how you want to send it.
7. How do I make a loan payment?
In online banking, select Transfers & Payments from the left-hand navigation. On the Make a Transfer or Payment screen, you will need to select where the money is coming from (section 1) and then select which loan you would like to pay (section 2). Once you do that, you will be able to specify how much you want to transfer and when (section 3).
In the mobile app, select Transfers from the left-hand or pop-up menus. Then, select where the money is coming from and which loan you would like to pay from the drop downs. Once you do that, you will be able to specify how much you want to transfer and when.
8. Can I set up automated loan payments?
Yes. Automated loan payments can be set up in online banking. Simply follow the steps for performing a transfer and select Recurring Transfer after you specify how much you want to pay (section 3). You can then choose when you want your payments to start, how frequently you want to make payments, and when you want them to end.
9. How can I get a pay-off for my loan?
You can get same-day loan payoff information from the Accounts Overview screen. Click the loan account you want to get more information on. You will then see an option for “Pay Off”. This quote will include all accrued interest and is valid for same-day payoff amounts only.
1. How does Wave's Send Money feature (person-to-person payments) work?
In the mobile app, select Send Money from the left-hand or pop-up menus. Then, select which account the money should come from, along with how much. You will then need to enter the recipient's email or mobile phone number.
In Online Banking, select Bill Pay from the left-hand navigation. Then, select "I want to" and use the drop down to choose "Pay a Person". Follow the prompts to select the amount of money you want to send and the person to whom you wish to pay.
2. Does the person I’m sending money to need to have an Wave account?
No, the person receiving money doesn’t need to be an Wave member.
3. How do recipients actually get the money?
Recipients receive money directly into their designated bank account.
4. Will recipients be able to see my Wave FCU account information?
No, recipients only see that you have sent money to them. Your financial information is secure. Allied P2P uses the highest levels of data encryption available, and meets or exceeds all Payment Card Industry compliance standards for data protection.
5. What happens if I send money, but the recipient doesn’t get it?
You are responsible for entering the correct email address or mobile phone number for the recipient. If you type in an incorrect email address or mobile phone number, the payment can be canceled as long as the payment has not been claimed on the Allied Payment P2P system. Once the payment is claimed, it cannot be canceled.
6. How long does it take the recipient to get the money?
Recipients are notified right away that they’ve received money. The funds transfer real-time to the recipient’s account.
7. How much does it cost to send money?
It is free to send money from your Wave account using the Allied Payment P2P feature. The amount you send is debited from your Wave checking account. If you send money to family or friends, they don’t pay anything to accept the money.
8. What happens to unclaimed payments?
Within 30 days, Allied will return the unclaimed payment to Wave. Wave FCU will process a payment return and return the money to your account.
1. What is Mobile Deposit?
Mobile Deposit is a service that allows Members to send a picture of checks, taken with a smart phone, tablet or iPad, to be deposited into their accounts.
2. What are the advantages of using Mobile Deposit?
3. Do I need to be registered for online banking to use Mobile Deposit?
4. Who is eligible for Mobile Deposit?
5. What mobile devices support Mobile Deposit?
6. After I deposit my check with Mobile Deposit, what should I do with my check?
7. When using Mobile Deposit, what types of accounts may I deposit funds into?
8. Are there any checks not eligible for Mobile Deposit?
9. When can I scan my checks into Mobile Deposit?
10. When will deposits be posted to my account and available for use?
11. Why doesn’t my current balance reflect my recent Mobile Deposit?
PLEASE NOTE: If the back of the check is not properly endorsed, Wave FCU reserves the right to reject the check for deposit.
12. How do I endorse a check when using Mobile Deposit?
13. What happens if I deposit a check twice?
14. What do I do if the writing on the check is too light or difficult to read?
15. Can I make a loan payment through Mobile Deposit?
16. What is the cost to use Mobile Deposit?
18. Are check images stored on my Device?
19. How long can I view my Mobile Deposit History?
20. What if I need assistance?
21. When using Mobile Deposit, how much can I deposit into my account?
And don't forget, we're here to help. Stop by a branch, give us a call at (401) 781-1020, or email us online.
NEW Mobile & Online Banking Is Here. RE-ENROLL TODAY!
Our Warwick Avenue branch has reopened both lobby and drive-up for your convenience.
We appreciate your patience and our team is here to assist you. Thank you.
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HELOC Special
Some things just don’t belong in the trash. Bring paperwork with personal information—i.e. bank accounts, social security info., investment information, passwords—to our main office at 480 Greenwich Ave., Warwick, on Saturday, April 24th. Shred-It Day is from 8:30-11:30 a.m. and is free of charge to Wave Federal Credit Union members.
Chocolate bars are hard to resist, especially so when buying them supports such a worthwhile cause. As part of Wave’s ongoing support of the Rhode Island Special Olympics, team members will be selling Sweenor’s chocolate bars in branch lobbies during April. We hope you’ll join us in celebrating SORI’s amazing work they do to help Rhode Islanders living with intellectual disabilities compete in sports by providing not only an outlet and event, but also equipment, attire and health supplies. Please consider supporting this organization by purchasing a bar or two whenever you’re visiting Wave
Children are never too young to start learning the value of a dollar and the importance of good banking. During April, Wave will match the first $25.00 deposited into new youth savings accounts for children ages 4-12 years old. New share account holders may also participate in our coloring contest throughout the month. Click here to download the coloring form. Children must color the form and return it to any Wave branch by April 30th to be entered to win a prize. Winners will receive a basket filled with goodies or a gift card. Age groups are 4-7 and 8-12.