Frequently Asked Questions

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Quickly find helpful answers to guide your way.

Whitefish Credit Union is here to assist.

When you seek information, you want to find it as quickly as possible. We have compiled the questions asked most often by our members, presented here in an easily accessible format to get your started. If you have additional questions after reading through our FAQs, please contact us.

How do I disable a pop-up blocker in Google Chrome?

  1. Click the Customize and control Google Chrome menu (the three dots in the upper right corner)
  2. Select Settings.
  3. Click Advanced at the bottom.
  4. Under Privacy and security, click the Site Settings button.
  5. Select Pop-ups and redirects.
  6. To disable the pop-up blocker uncheck the Blocked (recommended) box.
  7. To enable pop-ups on specific sites, check Blocked (recommended) and click Add next to Allow and enter the URL(s).

How do I disable a pop-up blocker in Mozilla Firefox?

  1. Select the three horizontal bars in the upper right corner.
  2. Select Options.
  3. Select the Privacy and Security tab.
  4. To disable the pop-up blocker, uncheck the Block pop-up windows box below Permissions.
  5. To allow specific pop-ups, click Exceptions and enter the URL(s).
  6. Close the window.
  7. Click OK.

How do I disable a pop-up blocker in Internet Explorer?

  1. Click the GEAR icon and select Internet Options.
  2. Select the Privacy tab.
  3. Uncheck Turn on Pop-up Blocker to disable the pop-up blocker.
  4. Click the Settings button to disable pop-up blockers for specific sites.
  5. Click OK.

How do I add Whitefish Credit Union to my trusted sites in Internet Explorer?

  1. From the Tools menu, choose Internet Options.
  2. Click on the Security tab.
  3. Click the Internet icon. 
  4. Click the Security Level slider and set it to Medium.
  5. Click the Trusted sites icon.
  6. Click Sites button.
  7. Add this website to the Zone: Type in *
  8. Uncheck the box Require server verification (https): for all sites in this zone.
  9. Click the Add button.
  10. Click OK.
  11. Click on Custom Level.
  12. Reset to: Low.
  13. Click OK.

How do I add Whitefish Credit Union to the pop-ups exception list in Mozilla Firefox ?

  1. Go to Tools.
  2. Click on Options.
  3. Click on the Web Features icon.
  4. Click on Block Pop-up Windows.
  5. Click on Allowed Sites.
  6. You can specify which websites are allowed to open pop-up windows. Type the exact address of the site you want to allow and then click Allow.
  7. Address of web site: Type in *
  8. Click on Allow.
  9. Click OK.
  10. Click OK.

How do I add Whitefish Credit Union Web Site to my trusted sites in Mozilla Firefox?

  1. Open Mozilla Firefox.
  2. Go to Tools.
  3. Click on Options.
  4. Click on the Web Features icon.
  5. Click the Load Images box.
  6. Click on the Exceptions button.
  7. You can specify which websites are allowed to load images. Type the exact address of the site you want to manage and then click Block or Allow.
  8. Address of web site: Type in *
  9. Click on Allow.
  10. Click OK.
  11. Click OK.

How do I check my Internet Explorer version?

  1. Open Internet Explorer.
  2. Click on Help.
  3. Select About Internet Explorer.
  4. Verify your IE Version on the first line of information. A minimum of Version: 8.0 is recommended.
  5. Click OK.

How do I reset my privacy settings in Internet Explorer?

  1. Click on the Privacy tab.
  2. Click on the Slider and set it to Medium.
  3. Click the OK button.

How do I stop Firefox from remembering my account number and password?

  1. Launch Firefox, from the menu, select "Tools" then "Options".
  2. Select the "Security" icon.
  3. Under "Passwords", un-check "Remember passwords for sites".
  4. Click the "Show Passwords" button.
  5. Click "Remove All".
  6. Click OK to close the dialog box.

How do I stop Internet Explorer from remembering my account number and password?

  1. Launch Internet Explorer, from the menu, select "Tools" then "Internet Options".
  2. Select the "Content" tab.
  3. Under "AutoComplete", click the "Settings" button.
  4. Un-check "Forms" and "User names and passwords on forms".
  5. Clear your forms and passwords:
    1. For Internet Explorer 6:
      1. Click the "Clear Forms" button
      2. Click the "Clear Passwords" button
      3. Click "OK"
    2. For Internet Explorer 7:
      1. Click "OK"
      2. Click the "General" tab
      3. Click "Delete"
      4. Click "Delete forms..."
      5. Click "Delete passwords..."
      6. Click "Close"
  6. Press OK to close the dialog box.

What encryption protocols are supported?

As of November 2014, the following protocols are supported:

  • TLS 1.0
  • TLS 1.1
  • TLS 1.2

Please note, certain versions of Internet Explorer default to have SSL 2.0 and SSL3.0 enabled which may cause problems with our online services. Please use the following procedure to disable SSL 2.0 and 3.0:

  1. Launch IE.
  2. Click Tools then Internet Options.
  3. Select the Advanced tab.
  4. Find SSL 2.0 and uncheck this option.
  5. Find SSL 3.0 and uncheck this option.
  6. Ensure that TLS 1.0, TLS 1.1 and TLS 1.2 are checked.
  7. Click OK.

What Internet browsers are supported?

Typically we support the last two releases of a browser. As of November 2018, this includes:

Internet Explorer v9.x (Windows Vista)
Internet Explorer v11.x (Windows 7/8.1/10)
NOTICE: Due to end-of-life status per Microsoft, Internet Explorer 10 is no longer supported as of January 2016

FireFox v44.x (PC, Mac, Linux)
FireFox v45.x (PC, Mac, Linux)

Chrome v48.x (PC, Mac, Linux)
Chrome v49.x (PC, Mac, Linux)

Safari v7.x (Mac OSX Mavericks v10.9)
Safari v8.x (Mac OSX Yosemite v10.10)
Safari v9.x (Mac OSX El Capitan v10.11)

Whitefish Credit Union does not support alpha, beta or release candidates of browsers. Browsers with these release qualifiers are considered unsafe, unstable and are not supported.

What operating systems are supported?

As of November 2018, the following operating systems are supported:

Windows Vista-SP2/7-SP1/8.1/10
Mac OS X v10.9 and higher

While we do not officially support Linux & BSD distributions, we are aware that the Firefox browser works properly on these platforms.

NOTICE: Due to end-of-life status per Microsoft, Windows XP is no longer supported as of March 2014.

NOTICE: Due to security issues, OSX 10.8 and earlier are no longer supported.

Online Banking

What is Whitefish Credit Union Online Banking?

Online Banking is your electronic banking solution with Whitefish Credit Union. Enjoy instant access to your accounts 24 hours a day, 7 days a week with Online Banking.

Is there a fee for Whitefish Credit Union Online Banking?

Online Banking is a no-cost service we provide for our members.

What are the password requirements for Online Banking?

Passwords must be between 8 and 32 characters and contain at least three of the following four items:

  • Lowercase letters (a-z)
  • Uppercase letters (A-Z)
  • Digits (0-9)
  • Symbols `~!@#$%^&*()_+-={}|:;'?,./)

Can I access or download my account information using other accounts or personal finance managers (e.g. or

We are working to support personal finance managers. Check back in the future for updates.​

Can I download my statement or transaction history as a plain text file (e.g. TXT or CSV) or into a spreadsheet. (e.g. MS Excel)?

Yes, Online Banking supports an export of your transactions history in a .CSV file format.

How do I download my information into Quicken?

Please follow the instructions below to import your information into your personal accounting application.


  • Log into Online Banking.
  • Click "Account Management".
  • Click "Web Connect".
  • Select your Source ID (account you want to download into Quicken). Enter the date range and select application you are downloading into. Then click "Download History."
  • When prompted, save the file to your desktop or a convenient location to access later.
  • Launch Quicken.
  • Select File, New, Import.
  • Browse to and select the file you saved above. You should then be prompted to add this information to an existing account or have the opportunity to setup a new account. Please see your product documentation for more information.
  • After the import, you may delete the file downloaded in the steps above.


  • Launch Quicken.
  • Click "Banking" from the toolbar.
  • Click "Online Banking Setup".
  • Follow the prompts to add your account.
  • When prompted for login information, please use your account number as the user name..

How long will my transaction history be available?

The history will be available for 3 years.

NOTE: The default historical view for transactions is 90 days. To see transactions older than 90 days, please click 'Advanced Search' and select 'All' for the 'Show' option.

Online Banking Login

Why is my online experience changing?

In order to make your online service experience as secure as possible we are introducing new security features. Most of the time your online experience will be the same as it was before, only now you will have an extra layer of security working behind-the-scenes to protect your account. The new security may – very infrequently – prompt you to verify your identity before continuing. This means you can now bank online with an even greater sense of confidence.

What are the new security enhancements?

The new security features add a layer of protection to your online account by letting you know it’s really us, and letting us know it’s really you.

Personalized Image and Name

  • You pick one of thousands of images, and then give the image a name to help identify it to you.
  • Every time you attempt to log into your bank account your image and name will appear before you enter your password.
  • Seeing your image and name will let you know that you are at your real online banking site and not a fake or fraudulent site. This means it is safe to enter your password.
  • If the correct image and name do not appear, do not enter your password.

Remember: Once you have signed up, NEVER enter sensitive information such as your password without first seeing your personal security image and name.

Where do I enter my password?

You do not enter your password until you see your personal security image and text. To begin logging in simply enter your account number and click the "continue" button. You will then see your personal image and text on the next screen where you can safely enter your password to gain access to your account.

What keeps someone from stealing my personal security image or my name?

We only show you your personal security image and name if you log in from a recognized computer or after you have answered some of your security questions. Therefore an unauthorized person will not have access to your image and the name you give it. Remember: Once you have signed up, never enter sensitive information such as your password without first seeing your personal security image and name.

How will this prevent online fraud?

If your account number and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times. The personal image and name also help you to ensure that you are always logging in to our legitimate website, not a fraudulent one.

Will I be asked for more information all the time now?

No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

What is unusual or uncharacteristic behavior?

Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you to answer your security questions to make sure it is really you and not an unauthorized user.

How are you able to detect unusual or uncharacteristic behavior?

The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you and allows us to make decisions about whether the person conducting a given activity or transaction within your account appears to be you.

I already have anti-virus software and a personal firewall. Why do I need this?

We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. These new security features protect against another kinds of threats such as a stolen user id and password. It works with your other personal security programs, but it does not replace them

I am trying to log in, but the website is not showing me my personal security image and name. What is happening?

This might happen in rare cases. Before answering a challenge question or entering your password, make sure that you are going to our legitimate website. The easiest way to ensure this is by typing our URL directly into your web browser. Then, after you answer the security question, you should see your personal security image and name next to the password field. If your personal security image and name are there, you can be confident that you are at our legitimate website and can enter your password.

Remember: Once you have signed up, never enter sensitive information such as your password without first seeing your personal security image and name.

What do I do if I forgot my password or have locked out my account?

If you have locked your account by answering your security questions incorrectly, you will have to wait a random interval of 20 to 60 minutes before trying to log in again. Repeated failures will permanently lock out your account and you will be required to contact Whitefish Credit Union.

If you have forgot your password or locked your account by incorrectly entering your password, please use the self-service password reset feature found on the reverse authentication page; this is seen after you enter your account number. Please click the link found under the "Sign In" and "Back" buttons.

I check my account very often. Wouldn't I know if something unusual showed up on my account?

It is great that you check your account frequently! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

I share my computer with someone who has a different account. Can both of us still log in from this computer?

Yes, you can both use the same computer to log in to your individual accounts. There is no limit to the number of people that can log in to various websites from the same computer. However, you should consider choosing security questions that only you will know the answer to.

My spouse and I have a joint account. Will we both be able to continue to log in to the account?

Yes, you can both continue to log on to the account as usual. However, you may want to establish your personal image and name, and security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in.

Bill Pay (iPay) 

How can I get bills paid automatically from my Whitefish Credit Union accounts?

You’ll never have to write checks to pay bills again! Save time and money by paying bills automatically - virtually eliminating costly late charges, licking envelopes, and trips to the mailbox! To sign up for Whitefish Credit Union Bill Pay, log into your Online Banking account.

How do I register for Bill Pay (iPay)?

Registration is easy as 1-2-3! Simply log into Online Banking, then answer the verification question. Your account will instantly become enabled for Bill Pay.

Are there any fees for using Whitefish Credit Union Bill Pay (iPay)?

No. There are no fees for Whitefish Credit Union's Bill Pay service.

Whom can I pay using Bill Pay (iPay)?

You can pay virtually anyone in the United States--from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier.

Note: Payees that are not eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

How secure are my online payments and my information?

To protect transactions, we require your Internet browser support 128-bit encryption or higher. Encryption prevents transactions from being read by unauthorized parties over the Internet. We recommend that you use the latest browser version available

Are there payment limits?

Yes, there is a aggregate $9,999.99 maximum daily limit that may be paid. This daily maximum applies to all payees listed for a particular day, not just an individual payee.

How do I log into Bill Pay (iPay)? Where do I sign in?

Simply log into Online Banking and click the iPay button.

Can I make a stop payment on a Bill Pay transaction?

Only payments that take five days to process can a stop payment attempt be made. Please refer to your Payee list for more details. Since our Bill Pay service is truly member-to-merchant payments, two-day payments will have already been processed.

How do I delete a payment that I scheduled for today?

If you are still in the same session during which you scheduled the payment, you can delete it from the scheduled payments list. If you have exited the session, you cannot delete the today payment because the transaction has already been completed.

Do I get a receipt from each transaction?

A confirmation number is displayed after you complete a transaction. This is your electronic receipt. The confirmation number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.

How do I know how long it takes to pay my merchants?

To verify the amount of time necessary to process a payment, please select the Payees tab once logged into Bill Pay. “Days” represents the amount of lead time necessary to pay your merchant.

My merchants' mailing address has changed. How do I update the information?

Merchants that accept electronic payments (two-day merchants) will notify Bill Pay directly with the updated information. For all other payees, please send the new information via message board found within Bill Pay. The changes will be made to your payee for you.

What is the payment guarantee?

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant. Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see the Disclosure for important information on the limitations of reimbursable fees and finance charges.) For full details, please click on "Help" when logged into Bill Pay.

What time do I need to submit my payment by to have it processed the same day?

Same day payments must be submitted by 9 a.m. MST to be considered a "today" payment. In general, it is recommend that payments be scheduled in advance by setting the payment date within Bill Pay's screen to ensure your payment is paid on your desired date.

When can I schedule the first payment to a new payee that I just set up?

You may set-up a Payee and schedule the first payment in the same session. If the new Payee is verified immediately, you may schedule a payment according to standard payment guidelines and as a "today" payment that will be processed the next business day. [ Note: You will see "Available" status displayed in the Payee list.] If the new Payee is not verified immediately, you may still schedule a payment to the new Payee within the same session, however, the payment must be scheduled a minimum of eight days in advance of the intended payment date or due date. The system will not allow you to schedule payments sooner than three business days from the session date until the Payee is verified and available.

Why does iPay time out and force me to restart my session even though I'm actively using it?

There is a scenario causing the perception that iPay is timing out and Online Baking is forcing you to start a new iPay session. Please read the explanation below to better understand this scenario and avoid it in the future.

Upon clicking the iPay button, your browser will do one of two things: A) open a new window or B) open a new tab. This new window or tab shows your active session within iPay and your current Online Banking window loses focus.

When the iPay system detects a period of inactivity it will bring its window into focus and show a pop-up message indicating this inactivity and give the user the opportunity to press one of two buttons; either to keep the current session active or to end the session. When the Online Banking window comes into focus to present the notification, the iPay window loses focus.

Upon responding to the inactivity message, the Online Banking window still maintains focus. To return to and continue the existing iPay session, you must bring into focus the window or tab running the existing iPay session. Browser tabs are typically found under the address bar of your browser; browser windows are typically found at the bottom of your screen on the task bar. Clicking the tab or task bar will bring the iPay session back into focus and you may continue your session, no data or settings will have been lost.

What happens if I have insufficient funds for covering a payment?

You will receive a non sufficient funds alert from Whitefish Credit Union notifying you that the item has not been paid. It will be up to the member to remit payment.

How can I pay a bill using iPay?


How can I pay a person using iPay?


How can I transfer money using iPay?


How can I set up bill pay alerts using iPay?


How do I set up an eBill in iPay?


What are eStatements?

eStatements are an electronic version of your monthly statements accessed through Whitefish Credit Union Online Banking?

How do I sign up for eStatements?

To sign up, simply log into Online Banking and click on "Documents" located on the navigation bar then "eStatements Opt In/Opt Out".

How do I receive my eStatement?

To retrieve your eStatement, log onto Whitefish Credit Union Online Banking and click the "Documents" tab and then click “eStatements.”

How much does Whitefish Credit Union eStatement service cost?

This is a free service for members that have opted-in to receive eStatements.

Can I receive a paper statement as well as an electronic statement?

No, you can either receive a paper statement or an electronic statement. You cannot receive both.

How do I save my eStatement to my PC?

eStatements, by default, are opened as a PDF file. Your PDF viewer should have a 'save' feature available, sometimes found under the 'File' menu or represented by an icon that looks like floppy disk. Activate the save feature and select the location to save your PDF file.

How do I print my eStatement?

When viewing your eStatement, select the print option from within your PDF viewer. Typically this will be found under the 'File' menu or represented by an icon that looks like a printer.

How long will my eStatements be available?

eStatements will be available for a minimum of seven years. If you need a statement copy older than seven years, please contact us and submit a research request. NOTE: A research fee may apply, please speak with a representative or see our 'Schedule of Fees' for details.

How do I update my email address for eStatements?

Log into Online Banking, go to "Account Management" and please select "Change E-Mail."

Is my eStatement safe and secure?

Yes! Whitefish Credit Union eStatements are stored in a secure facility and are encrypted as they are transmitted to your Internet browser.

Can my eStatement information be export to other programs, such as Quicken?

The data in eStatements cannot be exported. However, Whitefish Credit Union Online Banking offers an export option for both MS Money and Quicken.

I didn't receive an e-mail notification that my eStatement is ready. Will my eStatement still be available in Online Banking?

Yes, your eStatement will still be available even if you didn't receive an e-mail notification for that month.

Why can't I receive the statement(s) of my joint account?

According to the law, we must deliver the statement to the primary account holder.

What if I want to cancel my eStatement?

In order to cancel your eStatements please contact a local branch.

iPay vs. External Transfer

iPay is found in the “iPay” Tab on the top of the Online Banking screen. Member is required to have an Online Checking account before they can access the iPay tab. Members can access iPay within the next business day after requesting access via Online Banking.

Limits: $5,000 when paying a Banking or a Credit Union; $50,000 when paying a company or individual. Transfers may take 2-4 business days.

Paying a Company

Please note, the address will always be the business's address. iPay will determine if the payment will go via ACH or by check.

Paying an Individual

The Member will determine the payment method:

Option 1: Will send an email to the payee and they will enter their account information so our member will not see it.

Option 2: The Member will enter the payee’s bank information (bank name, routing # and acct #).

Option 3: A check will be mailed to the payee at the address provided by our member.

Paying a Bank or Credit Union

The Member will select which type of account type and then fill in the necessary blanks.

After the payee has been set up, the member will need to authentic the payee by entering a 6-digit code, received by phone or email.

External Transfer

  • Transfers are sent/received via ACH and may take up to three business days
  • Accounts must be opened and active for at least 90 days before access can be reviewed
    • The review process can take up to 1 week. Please contact us to request access
  • Allows members to transfer into Whitefish Credit Union from an account they hold at a different financial institution
  • Allows members to transfer from their Online Checking account to an account they hold at another financial institution
  • Limitation:
    • Transfers into Whitefish Credit Union: $ 5000.00
    • Transfer out of Whitefish Credit Union: $5000.00
    • 2 transfers per day
  • Process of setting up an account:
    • External transfers service is found by clicking on the Transfer tab
    • Click on “Add External Account”
    • Member will enter
      • Nickname, so it is easier to distinguish between accounts
      • The routing # of the bank
      • Their account # at that financial institution
      • If the account is a checking or savings account
    • Once that information is input, Whitefish Credit Union will send two small “micro deposits” to the account (NOTE: this is completed by ACH and may take up to 3 days to process)
    • The member will need to contact their other financial institution to retrieve the two deposit amounts sent by Whitefish Credit Union
    • The member will then log onto their Whitefish Credit Union online banking account, go back to the external transfer screen and click “verify”
    • They will enter the 2 deposit amounts
    • After that is completed, the account has been confirmed
  • NOTE: This process will need to be completed for each new account that the member sets up.

Do I get a debit card with my account?

Mastercard debit cards are offered on checking account products. Please contact us to request a debit card.

How do I activate my new card?

Please call our system 24hrs/7days at 800-466-0040 and follow the prompts. For security purposes, you will need to call from the home phone on record.

How do I report my debit card as being lost, stolen or not received?

Please call our service center during normal business hours at 844-542-5611. After hours, please call toll-free, 888-241-2510. If you're traveling outside the U.S., call 909-941-1398.

Is there a daily limit on ATM withdrawals?

Yes, you can withdraw up to $1,000 per day. Please note, some ATMs may have a lower per-day maximum. You can reach this amount using multiple ATMs in the same day.

Is there a fee for ATM transactions?

Whitefish Credit Union members can use our network ATMs surcharge-free. Network ATMs include Whitefish Credit Union ATMs and CO-OP ATMs. There is a fee for out-of-network ATMs. Please see our fee schedule for more information.

What is the difference between debit and credit?

"CREDIT" purchases need to be signed for and the transaction is processed through the Mastercard® network. For "DEBIT", the transaction is processed through the ATM network and you must use a personal identification number (PIN). But here’s a tip: When you choose “credit” and sign for the purchase, it actually helps us keep costs down.

What is a chip card?

A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip-enabled.

Can I change my PIN?

Yes, please call us at 888-241-2510 to receive a reference number. From there, change your PIN by calling 800-503-9249, toll-free. If you have the piece of mail related to your PIN, the reference number will be on that mailer.

How do I activate my card?

Please call 800-466-0040 anytime and follow the prompts.

Now that I have a chip debit card, do I need to notify Whitefish Credit Union before I travel internationally?

We recommend that you set a travel notice on any card(s) you plan to use when traveling 100 or more miles from your home address. During business hours, call us at 888-241-2510, the EFT toll-free number at 844-542-5611, or use our online banking messaging center to alert us of your travel plans.

Will chip cards prevent third-party data breaches?

Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

Will chip cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide.

Are chip cards secure?

Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature at chip-enabled terminals, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.

While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all credit and debit card accounts.

Remember, if you notice any suspicious activity on your account; notify us immediately by calling the number on the back of your card.

Where can I use my chip card?

More terminals and ATMs are becoming chip-enabled throughout the U.S. You will also enjoy greater acceptance when traveling: Chip technology is common in over 130 countries around the world, including Canada, Mexico, and the United Kingdom. Your chip card will still work at terminals and ATMs where only magnetic stripe transactions are accepted.

What is a smart card or an EMV card?

You may hear chip cards referred to as "smart cards" or "EMV cards" – they are all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.

Why does my credit card or debit card now include a chip?

As chip technology has become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You will enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico, and the United Kingdom, so you will enjoy greater acceptance when traveling internationally.

Online Checking: Is there a monthly service fee?

No, Whitefish Credit Union's Online Checking has no monthly service fee.

Does Online Checking earn interest/dividends?

Yes, twice per year in June and December.

Can Online Checking be set up for direct deposit?

Yes. Direct deposit is required for this type of account unless your employer does not offer the service. To set it up, use the five- or six-digit account number followed by the specific account number to be credited.

Is there a minimum opening balance requirement?

Yes, a minimum $20.00 deposit is required to open a checking account.

How often do dividends pay?

Twice per year - June 30 and December 31.

How much do I need to open the account with?


Can I have payroll deduction go to my savings?

Yes, as long as your employer offers that benefit.

Can I have more than one savings account?

Yes, and you can title it any way you like, e.g., vacation account, tax account, etc.

Can I have a portion of my check go to my account or must my whole check go in?

Yes, you may choose any amount for deposit. (Check with your employer).

How do I make a payment?

Payments can be mailed to 1845 U.S. Highway 93 S, Attn: Card Services, Kalispell, MT 59901. You can also pay your account through Whitefish Credit Union's Online Banking. Your credit card account and transaction history can be accessed online, allowing you the convenience to make your payment online. You also can make payments in person.

How do I access my credit card statements?

Your Mastercard statement is included with your monthly account statement. If you have elected to receive eStatements, your Mastercard statement will be available online via Whitefish Credit Union Online Banking.

Can I access a credit card via a mobile device?

Yes, you can view recent transactions and make payments on Whitefish Credit Union's mobile banking app.

Who do I call if I'm having problems with my Whitefish Credit Union Mastercard or to report it lost or stolen?

Please call 844-542-5611 during normal business hours. After hours, call toll-free at 888-241-2510. Outside of the U.S., call 909-941-1398.

Where do I log in to manage my Whitefish Credit Union Mastercard?

You can access your credit card through Online Banking. You can view recent transactions, make immediate payments, set up recurring payments and view your eStatements, just like your share and loan accounts.

Can I have a Consumer Loan with Whitefish Credit Union if I live out of the state?

Yes, as long as you still qualify for membership with Whitefish Credit Union. You can apply online.

How do I make automated payments to a loan if I do not have a checking or savings account with Whitefish Credit Union?

Whitefish Credit Union offers Automated Transfer Services in which we can automatically withdrawal funds from a 3 party financial institution and apply them to your loan payment.

Please fill out the "ACH Automatic Transfers Service Request Form" or to make changes please fill out the "ACH Automatic Transfers Service Change Form".

Both of these forms may be found on our "Forms" page, please use the link found at the bottom of this page.

Do you use the Blue Book wholesale or retail value?

Retail value.

Does the rate change depending on the term?


I want to take over my friend’s car note, what do I need to do?

Car loans are not assumable. You must apply for a new loan for the amount.

Is there a pre-payment penalty for auto loans?


What are my loan payment options?

Payments can be made by transfer from your Whitefish Credit Union savings or checking account, or by check.

What do I need for a third-party vehicle purchase?

Title, registration, and DMV fee.

What do I need to provide for a refinance from another banking institution?

The name, address, and phone number of the other institution, and a copy of your current registration.

What is the maximum term Whitefish Credit Union will finance for autos?

84 months (7 years).

If I want to buy an out of state vehicle, what do I need?

Out of State title, registration, Bill of Sale, use tax, and DMV registration fees.

What percentage of my vehicle will you finance?

Depending on your credit score, we will finance up to 125%, including purchase price, tax, license, GAP, and MBP insurance.

Are the rates the same for new and used autos?


Can I add someone onto my vehicle loan at a later date?

Only by reapplying to refinance the vehicle.

Can I add to my existing loan by using the equity in my vehicle for a cash out?

It depends on the value of the car. The new loan cannot exceed 100% of the retail value.

Can my son / daughter refinance my vehicle into his / her name?

They would need to apply and qualify for the loan. If they qualify, a new loan will be made to them.

How old of a boat will Whitefish Credit Union finance?

There is no age limit on boats. Financing depends on the value of the boat.

What is a recreational vehicle?

Recreational vehicles include motor homes, travel trailers, campers, personal watercraft, and boats.

What is the maximum term on a recreational loan, boat loan, motorcycle loan?

RV and boat: 240 months (20 years) depending on the loan amount. Motorcycle: 84 months (7 years).

If I want to buy a boat from a private party, what do I need?

Out of State title, registration, Bill of Sale, use tax, and DMV registration fees.

Can I have the payment automatically deducted?

Yes. An automatic transfer of the loan payment can be set up from your Whitefish Credit Union checking and savings accounts.

How long may I take to pay back the loan?

The maximum term for repayment of a signature loan is 60 months. Each loan request will be given careful consideration, based on the purpose of the loan, to determine the amortization.

Is the line of credit a fixed rate?

Yes, our credit cards have a fixed rate unsecured.

Is there a lower rate for having the payment automatically transferred?

No. There are no applicable discounts for auto transfer from your Whitefish Credit Union checking account on unsecured lines and loans.

What is the maximum amount I can borrow on a signature loan?

The maximum amount of total unsecured borrowing with Whitefish Credit Union is $25,000 per member.

Do you offer sweep accounts?

No, Whitefish Credit Union does not offer sweep accounts.

What documents do I need to open a business account?

The required documentation is based on the type of business account you wish to open. We may require a Fictitious Name Statement and/or State issued Business Articles. Additional documentation may also be needed. Please refer to page 1 of our Business Loan Application Form or contact a Service Representative for more information.

Do you offer merchant services?

No, not at this time.

What's the difference between "Member Number" and "Account Number"?

There's no difference. Your Member Number is also your Account Number.

What is the ABA/Routing number for Whitefish Credit Union?

Whitefish Credit Union's Routing/Transit # is: 292178012.

How can I change my address?

Please call a Member Service Representative at 877-862-3525, visit any branch location or log in to Online Banking. We advise to not send any personal information via email.

Does Whitefish Credit Union offer Notary Service?

Yes! Notary Service is free for members. A fee applies for non-members.

What is GAP Protection?

GAP insurance is designed to eliminate the member’s unpaid loan balance in the event the vehicle is stolen or damaged beyond repair. Pays the difference between the loan balance and the primary insurance settlement when the vehicle is totaled or stolen. Gap is a loan deficiency waiver and is not offered as insurance coverage. The member must carry full coverage insurance at all times as part of their loan agreement. If they do not have full coverage insurance and the vehicle is stolen or totaled, GAP will not provide any benefits.

How do I file a GAP claim?

Whitefish Credit Union will file the GAP claim. Please contact us for assistance.

How do I qualify for GAP Protection?

GAP is available on vehicles up to 20 model years old. It is also available on RVs. GAP is not available for any passenger auto that is used for commercial purposes.

Is GAP insurance transferable?


May I add the cost of GAP Protection to my loan?

Yes, as long as the total loan to value does not exceed the maximum we allow.

What does GAP cover?

GAP pays the difference between the loan balance and the primary insurance settlement when the vehicle is totaled or stolen.

When can I add GAP Protection to my loan?

At the time the loan is made.

How does NCUISF share insurance protect credit union members against loss?

Each credit union approved for NCUSIF share insurance must meet high standards of safety and soundness in its operation. Adherence to these standards is determined regularly through credit union examinations by federal and state examiners. If an insured credit union gets into financial difficulties and must be closed, the NCUSIF acts immediately to protect each member’s share account.

What accounts are insured?

Your Checking, Savings, and Certificate accounts are all insured up to $250,000 each. If you have more than one account, the balances are added together and insured up to $250,000. Certain retirement accounts, such as IRAs and Keogh plans, are insured up to $250,000—that’s separate from the $250,000 coverage on your other Whitefish Credit Union accounts

Are my investments covered by NCUSIF?

No. NCUSIF insurance does not apply to investments, such as stocks, bonds, mutual funds, annuities, and life insurance.

Can I increase the insurance on my accounts?

You may obtain additional separate coverage on multiple accounts, but only if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. For example, if you have a regular share account and an Individual Retirement Account (IRA) at the same credit union, the regular share account is insured up to $250,000 and the IRA is separately insured up to $250,000. However, if you have a regular share account, a share certificate, and a share draft account, all in your own name, you will not have additional coverage. Those accounts will be added together and insured up to $250,000 as your individual account. Additionally, shares denominated in foreign currencies are insured as outlined in National Credit Union Administration Rules and Regulations.

Does NCUISF insurance protect the interests of creditors?

No. NCUSIF share insurance protects only credit union members.

Does NCUISF insurance apply only if a credit union is liquidated?

No. Liquidation is the only situation in which a member is directly provided share insurance protection by the payment of a check for his or her insured savings. However, indirect protection is provided when the National Credit Union Administration Board, through the NCUSIF, authorizes financial assistance to a credit union to enable it to overcome a temporary financial setback. In a case where a credit union is unable to overcome its difficulty, financial assistance may be authorized to accomplish a merger that protects the continuing credit union from loss and provides continued credit union service to the members of the merging credit union.

How does NCUISF pay members their shares when an insured credit union is liquidated?

Checks for each member’s shares (less any amounts due on outstanding loans) up to the insurance limit are mailed to the member’s last known address as shown in the records of the credit union. These checks are usually mailed several days after the credit union is placed into liquidation. In situations where on-site payment is more convenient, the National Credit Union Administration liquidation team will give checks directly to members.

Is my credit union insurance by NCUISF?

Yes, Whitefish Credit Union is federally insured by the National Credit Union Administration. Insured credit unions are required to indicate their insured status in their advertising and to display the official NCUSIF insurance sign at their offices.

What happens to the member's share account when an insured credit union is merged into another insured credit union?

Each member’s share account is transferred to the continuing credit union. Accrued dividend credit is also transferred. On the effective date of the merger, each merging credit union member has full membership rights to all the financial services provided by the continuing credit union.



Take a look at all eight of our locations across Northwest Montana.