Online Banking Support

Customize Dashboard

The Dashboard is the first screen you'll see when signing in. It provides a convenient snapshot of your finances and allows you to customize which sections appear and the order in which they are displayed.

1. Open the Wildfire Mobile App and select "Customize Dashboard" at the bottom of the screen.
2. Add, remove, or reorder sections to personalize your Dashboard.
4. Hit the red minus button for the sections you don't want to view and click "Update".
5. Click and drag any section to change the order and select "Update".

Changes made to Dashboard will reflect immediately.

Dashboard

The Dashboard is now the default Home page you’ll see when signing into the Wildfire Mobile App. It provides a convenient snapshot of your finances, giving you quick access to your accounts, recent activity, and other helpful financial insights.

1. Total Deposits: The combined balance of your visible deposit accounts. (Hidden accounts not included in the balance.)
2. Accounts: First five accounts or favorite accounts and their balances. (View more by selecting Accounts.)
3. Latest Transactions: Your most recent account activity.
4. Quick Actions: Make a transfer or mobile deposit.
5. Top Spend: A summary of where you're spending the most.
6. Cash Flow: An overview of your income and spending.
7. Budgets: A snapshot of your current budget progress. 

Dashboard order and widgets can be customized. 

Hide Accounts

You can customize which accounts appear in your account list by hiding accounts you don't want displayed.

1. Open the Wildfire Mobile App and select "Accounts."
2. Scroll to the bottom of the page and select "Edit Accounts."
3. Use the toggle next to each account to turn visibility On or Off.

Accounts turned off will no longer appear in your account list until you choose to make them visible again.

Rename Accounts

You can personalize your accounts and loans by updating the account name displayed in the Wildfire Mobile App.

1. Open the Wildfire Mobile App and select the account or loan you'd like to update.
2. Select "Details".
3. Select the pencil icon next to Account Name.
4. Enter your preferred account name and save your changes.

To rename a credit card or line of credit, select "More" before clicking "Details".

Custom Categories

Custom categories make it easier to organize and track your spending. You can update transaction categories or create your own personalized categories directly in the Wildfire Mobile App.

1. Open the Wildfire Mobile App and select a transaction from an account or loan.
2. Select the pencil icon next to the current category name.
3. Select "+ Add Category" at the bottom of the page (or select the + icon at the top of the page).
4. Enter your new category name and choose an icon.
5. Select "Save" to create your custom category.

You can also use this menu to update an existing transaction category by selecting one of the available default categories.

Favorite Accounts

You can mark your most frequently used accounts as Favorites to make them easier to find. Favorite accounts will appear at the top of your Accounts page and in the Dashboard.

1. Navigate to My Accounts > Account Summary.
2. Select the star next to each account you'd like to favorite.

You can choose multiple favorite accounts, and your favorites will be displayed first for easier access.

Mobile App Locked

For your security, the Wildfire Mobile App will temporarily lock access after too many unsuccessful login attempts.

If you forgot your username or password, you can attempt to recover your credentials by selecting "Login > Forgot Credentials" and choosing "I forgot my password" or "I forgot my username."

If you are locked out of the app after multiple unsuccessful login attempts, please contact Wildfire Credit Union during normal business hours for assistance with unlocking your account.

Setup Mobile Notifications

You can customize your notification preferences in the Wildfire Mobile App to stay informed about your account activity. Choose which notifications you receive and how you'd like to receive them, including push notifications, text messages, emails, or in-app notifications.

1. Open the Wildfire Mobile App and select "Help" at the top of the screen.
2. Select "Manage Notifications" at the top of the page.
3. Choose the Account you'd like to manage notifications for, then select the notification type.
4. Use the toggle to turn notifications On or Off, and select your preferred delivery method.

You can update your notification preferences at any time to make sure you receive the alerts that matter most to you.

Mobile Bill Pay

Wildfire Mobile Bill Pay makes it easy to schedule payments to businesses and other payees directly from your mobile device.

1. Open the Wildfire Mobile App and select "Move Money" at the bottom of the screen.
2. Select "Bill Pay Dashboard".
3. Select an existing payee from the list to pay.
4. To add a new payee, select "Add Payee", then search for the company or business you'd like to add. 
5. Select the "Pay From" Account and choose the payment Frequency.
6. Select "Continue," review your payment details, and then select "Pay" to submit your payment.

Please note: Some Bill Pay payments are sent electronically, while others are mailed as paper checks. Payments sent by mail are identified with an envelope icon in Bill Pay. These payments will be deducted from your Wildfire checking account once the check is presented and clears through the receiving institution.

Choose Favorite Accounts

You can mark your most frequently used accounts as Favorites to make them easier to find. Favorite accounts will appear at the top of your Accounts page and in the Dashboard.

1. Open the Wildfire Mobile App and select the account or loan you'd like to favorite under Accounts.
2. Select the star icon in the top-right corner of the transaction page to mark the account as a favorite.
3. To remove an account from your favorites, simply select the star icon again.

You can choose multiple favorite accounts, and your favorites will be displayed first for easier access.

View & Download Statements

You can access your electronic account statements anytime through the Wildfire Mobile App.

1. Open the Wildfire Mobile App and select the share or loan you'd like to view under Accounts.
2. Select the More icon (three dots), then choose Statements.
3. Select the statement you'd like to view.

Statements include account statements, loan and credit card statements, and tax statements.

Person-To-Person (P2P) Transfers

You can send money to friends, family, and other trusted contacts directly through the Wildfire Mobile App using person-to-person (P2P) transfers.

1. Open the Wildfire Mobile App and select "Move Money" at the bottom of the screen.
2. Select "P2P" from the menu.
3. Select "Add" in the People section to add a recipient. Enter their name and email or mobile number, then select "Save."
4. If you'd like to send money using your Wildfire debit card, select "Add" in the Member Cards section.
5. To send money, in the To field, select the recipient you'd like to pay.
6. In the From field, choose the account or debit card you'd like to use.
7. Enter the amount you'd like to send.
8. Create a security question and answer that the recipient will use to verify their identity before receiving the funds.
9. Review and accept the Terms & Conditions, then select a Send Date and Frequency.
10. Select "Send." The recipient will receive a notification by email or text message with instructions to claim the payment.

Make Transfers/Payments

 You can easily transfer funds between your Wildfire accounts, loans, and credit cards directly from the Wildfire Mobile App.

1. Open the Wildfire Mobile App and select "Move Money" at the bottom of the screen.
2. Select "Make a Transfer".
3. In the From field, select the account or loan you'd like to transfer funds from.
4. In the To field, select the account or loan you'd like to transfer funds to.
5. Enter the transfer Amount and select the transfer Frequency under the When field.
6. Select "Continue to Review," review the transfer details, then select "Confirm and Transfer" to complete your transfer.

Once submitted, your transfer will be processed according to the date and frequency you selected.

Lock/Unlock Your Card

Card controls allow you to temporarily lock or unlock your Wildfire debit or credit card directly from the Wildfire Mobile App.

To lock your card:
1. Open the Wildfire Mobile App and select "Cards" at the top of the screen.
2. Swipe to the card you'd like to manage.
3. Select the toggle below the card image to turn Lock Card on.

To unlock your card:
1. Return to the card in the Cards section.
2. Select the toggle again to turn Lock Card off and restore access to your card.

Please note: Locking your card is a temporary control that can help prevent transactions if you've misplaced your card or need additional security. If your card is lost or stolen, please contact Wildfire immediately.

Activate Card

You can activate your new Wildfire debit or credit card directly through the Wildfire Mobile App.

1. Open the Wildfire Mobile App and select "Cards" at the top of the screen.
2. Swipe to find the inactive card you'd like to activate.
3. Select "Activate Now" in the blue box below the card image.
4. After activating your card, set or update your PIN by calling 1.866.304.8760
- Press 1 to set your PIN for the first time.
- Press 3 to change an existing PIN.

Forgot Username or Password

If you've forgotten your username or password, you can recover it from the Wildfire Business Online Banking login page.

1. Visit the Wildfire website and select "Login" in the upper-right corner.
2. Under Business, select "Login".
3. On the login page, select "Problems logging in?".
4. Choose to recover your username or password, then follow the prompts to verify your identity and complete the process.

Once complete, you can sign in to both Wildfire Business Online Banking and Mobile App using your updated login credentials.

Online Banking Locked

For your security, your Business Online Banking account will be locked after three unsuccessful login attempts. Once your account is locked, you will no longer be able to use the Forgot Password feature to reset your password.

If this happens, please contact Wildfire Credit Union during normal business hours, and a member of our team will be happy to help unlock your Business Online Banking.

Dashboard

The Dashboard is now the default Home page you’ll see when signing in with Wildfire Business Banking. It provides a convenient snapshot of your finances, giving you quick access to your accounts, recent activity, and other helpful financial insights.

1. Total Deposits: The combined balance of your visible deposit accounts. (Hidden accounts not included in the balance.)
2. Accounts: First five accounts or favorite accounts and their balances. (View more by selecting Accounts.)
3. Latest Transactions: Your most recent account activity.
4. Cards: Quick access to manage your Wildfire debit and credit cards.
5. Money In & Out: An overview of your income and spending.
6. Top Spend: A summary of where you're spending the most.
7. Budgets: A snapshot of your current budget progress. 

Dashboard also includes a Quick Actions sidebar that provides one-click access to many of your most frequently used banking tools, including making a payment, managing accounts, updating notifications, finding branches, and statements.

Customize Dashboard

The Dashboard is the first screen you'll see when signing in. It provides a convenient snapshot of your finances and allows you to customize which sections appear and the order in which they are displayed.

1. Sign in to Wildfire Business Online Banking.
2. On the Dashboard screen, select "Customize Dashboard" at the top of the screen.
3. The default Dashboard sections include:
- Accounts
- Latest Transactions
- Cards
- Money In and Out
- Budgets
- Top Spend
4. Uncheck the sections you don't want to view and click "Update".
5. Click and drag any section to change the order and select "Update".

Changes made to Dashboard will reflect immediately.

One-Time Passcode

To help protect your business account, Wildfire uses one-time passcodes (OTPs) to verify your identity when signing in or completing certain transactions. You can choose to receive your one-time passcode by:

- Text message (SMS)
- Email

Please note: Automated phone calls are no longer available as a method for receiving one-time passcodes. If you're unable to receive your passcode, please verify that Wildfire has your current mobile number and email on file. Please contact Wildfire to update your information.

Custom Categories

Custom categories make it easier to organize and track your business spending. You can update transaction categories or create your own personalized categories directly in the Wildfire Business Banking.

1.  Sign in to Wildfire Business Online Banking. and select a transaction from an account or loan.
2. Select the pencil icon next to the current category name.
3. Select "+ Add Category" at the bottom of the page (or select the + icon at the top of the page).
4. Enter your new category name and choose an icon.
5. Select "Save" to create your custom category.

You can also use this menu to update an existing transaction category by selecting one of the available default categories.

Adding An Authorized User

Business Online Banking allows you to add authorized users and assign account access based on your business's needs.

1. Sign in to Wildfire Business Online Banking.
2. Select "Admin" from the top navigation, then choose "Company Permissions".
3. Select "Add Authorized User" and enter the requested information for the individual you'd like to add.
4. Assign the appropriate Accounts & Permissions for the authorized user, then select "Finish."
5. The authorized user will receive an email with instructions to complete their account setup, including creating a password and confirming their access.

Be sure to assign only the permissions necessary for each authorized user based on their role within your business.

Setup Account Notifications

Customize your notification preferences in Wildfire Business Online Banking to stay informed about your business account activity. Choose which notifications you receive and how you'd like to receive them by text messages and emails.

1. Sign in to Wildfire Business Online Banking.
2. Select "Personal" from the top navigation, then choose "Manage Notifications".
3. Choose the account you'd like to manage notifications for, then select the notification type.
4. Use the toggle to turn individual notifications On or Off, then choose whether you'd like to receive alerts by text message or email.

You can update your notification preferences at any time to make sure you're receiving the alerts that matter most to your business.

Ordering Business Checks

You can conveniently order checks for your business checking account through Wildfire Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Finance Tools" from the top navigation, then choose "Order Checks".
3. Select the business checking account you'd like to order checks for, then select "Submit".
4. You'll be redirected to a secure third-party website to complete your check order.

If you prefer, you can also contact Wildfire Credit Union for assistance with ordering checks or place your order directly through our portal website here: Order Checks

Change Mobile Number

You can update the mobile phone number used for text message (SMS) verification through Wildfire Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Personal" from the top navigation, then choose "My Profile."
3. Under Profile, scroll to the Phone Number section.
4. Select the three dots next to SMS.
5. Enter your new mobile phone number, then select "Save Changes."

Please note: Only one mobile phone number can be designated to receive SMS one-time passcodes (OTPs) for your account.

Hide & Nickname Accounts

Personalize your account view in Wildfire Business Online Banking by hiding accounts you don't want displayed or assigning custom nicknames to your accounts.

To hide an account:
1. Sign in to Wildfire Business Online Banking.
2. Select "Accounts & Cards," then choose "Accounts".
3. Select "Manage Accounts".
4. Locate the account you'd like to hide.
5. Use the toggle next to the account to hide or show it. When the toggle is turned off, the account will no longer appear in your account list or in Dashboard.

To nickname an account:
1. From the Manage Accounts page, locate the account you'd like to rename.
2. Select the pencil icon next to the account.
3. Enter your preferred account nickname, then select the checkmark to save your changes.

Turn on/off Paperless Statements

You can manage your statement delivery preferences through Wildfire Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Personal" from the top navigation, then choose "My Profile".
3. Select "Statement Options".
4. Use the Paper Statements toggle to enable or disable paper statements.

Please note: This feature is not available in the Business Mobile App.

View & Download Statements

You can access your electronic account statements anytime through Wildfire Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Accounts & Cards" from the top navigation, then choose "Account Statements".
3. Locate the statement you'd like to access.
4. Select "Preview" to view the statement or "Download" to save a copy to your device.

Statements include account statements, loan and credit card statements, and tax statements.

Link External Accounts

You can link accounts from other financial institutions to transfer funds between your Wildfire Business accounts and external accounts through our Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Accounts & Cards" from the top navigation, then choose "External Accounts".
3. Select "+ Link external account."
4. Enter your external account information, then select "Connect".
5. Wait 1–3 business days for two small verification deposits to appear in your external account. Verify the micro deposit amounts at your other financial institution.
6. Return to External Accounts in Wildfire Business Online Banking, enter the micro deposit amounts, and select "Activate" to complete the verification process.

Once your external account is verified, you'll be able to use it for eligible transfers between your Wildfire Business account and other financial institution.

Business Bill Pay

Wildfire Business Bill Pay makes it easy to schedule payments to businesses and other payees directly from your business account.

1. Sign in to Wildfire Business Online Banking.
2. Select "Move Money" from the top navigation, then choose "Bill Pay Dashboard".
3. Select an existing payee from the list to pay.
4. To add a new payee, select "Add Payee", then search for the company or business you'd like to add.
5. Enter the Send Date and Payment Amount.
6. Select the "Pay From" Account and choose the payment Frequency.
7. Select "Continue," review the payment details, and then select "Pay" to submit your payment.

Please note: Some Bill Pay payments are sent electronically, while others are mailed as paper checks. Payments sent by mail are identified with an envelope icon in Bill Pay. These payments will be deducted from your Wildfire checking account once the check is presented and clears through the receiving institution.

Make Transfers/Payments

You can transfer funds between your Wildfire business accounts, loans, and credit cards directly through Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Move Money" from the top navigation, then choose "Payments & Transfers".
3. In the From field, select the account or loan you'd like to transfer funds from.
4. In the To field, select the account or loan you'd like to transfer funds to.
5. Enter the transfer Amount, then choose the transfer Date and Frequency.
6. Select "Continue," review your transfer details, and then select "Submit" to complete your transfer.

Once submitted, your transfer will be processed according to the date and frequency you selected.

Lock/Unlock Your Card

Card controls allow you to temporarily lock or unlock your Wildfire business debit or credit card directly from Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Accounts & Cards" from the top navigation, then choose "Cards" to view your available cards.
3. Select "Lock Card" below the card image for the card you'd like to temporarily disable.
4. To restore access to your card, select "Unlock Card" below the card image.

Locking your card can be a helpful tool if you've misplaced it or need to temporarily prevent transactions. If your card is lost or stolen, please contact Wildfire immediately.

Activate Card

You can activate your Wildfire business debit or credit card directly through Business Online Banking.

1. Sign in to Wildfire Business Online Banking.
2. Select "Accounts & Cards" from the top navigation, then choose "Cards".
3. Select the inactive card you'd like to activate.
4. Select "Activate Card" and follow the on-screen prompts.

After activating your card, you'll need to set or update your PIN by calling 1.866.304.8760
- Press 1 to set your PIN for the first time.
- Press 3 to change an existing PIN.

How to Enroll

To get started using the Wildfire Business Online Banking, you'll first need to enroll.

1. Visit the Wildfire website and select "Login" in the upper-right corner.
2. Under Business, select "Enroll".
3. Enter your 8-digit account number, full social security number, and requested personal information. (Use your email and phone number currently on file with Wildfire.)
4. Select "Continue" and create a unique username and password that meets requirements.
5. Review the Terms and Conditions, check "Accept Terms and Conditions," and select "Create".
6. Sign in using your new username and password.
7. Complete the verification process by selecting your preferred verification method, entering the verification code you receive, and verifying your email address.

Once your enrollment is complete, you'll be ready to access both Wildfire Business Online Banking and the Wildfire Business Mobile App.

Custom Categories

Custom categories make it easier to organize and track your business spending. You can update transaction categories or create your own personalized categories directly in the Wildfire Business Mobile App.

1. Open the Wildfire Business Mobile App and select a transaction from an account or loan.
2. Select the pencil icon next to the current category name.
3. Select "+ Add Category" at the bottom of the page (or select the + icon at the top of the page).
4. Enter your new category name and choose an icon.
5. Select "Save" to create your custom category.

Custom categories help you organize transactions and better understand your business cash flow.

Dashboard

The Dashboard is now the default Home page you’ll see when signing into the Wildfire Business Mobile App. It provides a convenient snapshot of your business finances, giving you quick access to your accounts, recent activity, and other helpful financial insights.

1. Total Deposits: The combined balance of your visible deposit accounts. (Hidden accounts not included in the balance.)
2. Accounts: First five accounts or favorite accounts and their balances. (View more by selecting Accounts.)
3. Latest Transactions: Your most recent account activity.
4. Quick Actions: Make a transfer or mobile deposit.
5. Top Spend: A summary of where you're spending the most.
6. Cash Flow: An overview of your income and spending.
7. Budgets: A snapshot of your current budget progress. 

Dashboard order and widgets can be customized. 

Customize Dashboard

The Dashboard is the first screen you'll see when signing in. It provides a convenient snapshot of your finances and allows you to customize which sections appear and the order in which they are displayed.

1. Open the Wildfire Business Mobile App and select "Customize Dashboard" at the bottom of the screen.
2. Add, remove, or reorder sections to personalize your Dashboard.
4. Hit the red minus button for the sections you don't want to view and click "Update".
5. Click and drag any section to change the order and select "Update".

Changes made to Dashboard will reflect immediately.

Hide Accounts

You can customize which accounts appear in your business account list by hiding accounts you don't want displayed.

1. Open the Wildfire Business Mobile App and select "Accounts."
2. Scroll to the bottom of the page and select "Edit Accounts."
3. Use the toggle next to each account to turn visibility On or Off.

Accounts turned off will no longer appear in your account list until you choose to make them visible again.

Rename Accounts

Personalize your business accounts and loans by updating the account name displayed in the Wildfire Business Mobile App.

1. Open the Wildfire Business App and select the account or loan you'd like to update.
2. Select "Details".
3. Select the pencil icon next to Account Name.
4. Enter your preferred account name and save your changes.

To rename a credit card or line of credit, select "More" before clicking "Details".

Favorite Accounts

You can mark your most frequently used business accounts as Favorites to make them easier to find. Favorite accounts will appear at the top of your Accounts page and in the Dashboard.

1. Navigate to My Accounts > Account Summary.
2. Select the star next to each account you'd like to favorite.

You can choose multiple favorite accounts, and your favorites will be displayed first for easier access.

Setup Business Mobile Notifications

You can customize your notification preferences in the Wildfire Business Mobile App to stay informed about your business account activity. Choose which notifications you'd like to receive and how you'd like to receive them, including push notifications, text messages (SMS), emails, or in-app notifications.

1. Open the Wildfire Business Mobile App and select the Bell icon in the top-right corner of the screen.
2. Select the Gear icon in the top-right corner of the Notifications screen.
3. Choose the Account you'd like to manage notifications for, then select the notification type.
4. Use the toggle to turn notifications On or Off, and choose your preferred delivery method.

You can update your notification preferences at any time to make sure you're receiving the alerts that matter most to your business.

Activate Card

You can activate your Wildfire business debit or credit card directly through the Wildfire Business Mobile App.

1. Open the Wildfire Business Mobile App and select "Cards" at the top of the screen.
2. Swipe to the inactive card you'd like to activate.
3. Select "Activate" in the blue box below the card image.
4. After activating your card, set or update your PIN by calling 1.866.304.8760
- Press 1 to set your PIN for the first time.
- Press 3 to change an existing PIN.

Lock/Unlock Your Card

Card controls allow you to temporarily lock or unlock your Wildfire business debit or credit card directly through the Wildfire Business Mobile App.

To lock your card:
1. Open the Wildfire Business Mobile App and select "Cards" at the top of the screen.
2. Swipe to the card you'd like to manage.
3. Select the toggle below the card image to turn Lock Card on.

To unlock your card:
1. Return to the card in the Cards section.
2. Select the toggle again to turn Lock Card off and restore access to your card.

Please note: Locking your card is a temporary security feature. If your card is lost or stolen, please contact Wildfire immediately.

Make Transfers/Payments

You can transfer funds between your Wildfire business accounts, loans, and credit cards directly through the Wildfire Business Mobile App.

1. Open the Wildfire Business Mobile App and select "Move Money" at the bottom of the screen.
2. Select "Make a Transfer".
3. In the From field, select the account or loan you'd like to transfer funds from.
4. In the To field, select the account or loan you'd like to transfer funds to.
5. Enter the transfer Amount and select the transfer Frequency under the When field.
6. Select "Continue to Review," review the transfer details, then select "Confirm and Transfer" to complete your transfer.

Your transfer will be processed according to the date and frequency you selected.

Business Mobile Bill Pay

Wildfire Business Mobile App Bill Pay makes it easy to schedule payments to businesses and other payees directly from your mobile device.

1. Open the Wildfire Business Mobile App and select "Move Money" at the bottom of the screen.
2. Select "Bill Pay Dashboard."
3. Select an existing payee from the list to pay.
4. To add a new payee, select "Add Payee", then search for the company or business you'd like to add.
5. Enter the Send Date and Payment Amount.
6. Select the "Pay From" Account and choose the payment Frequency.
7. Select "Continue," review your payment details, and then select "Pay" to submit your payment.

Please note: Some Bill Pay payments are sent electronically, while others are mailed as paper checks. Payments sent by mail are identified with an envelope icon in Bill Pay. These payments will be deducted from your Wildfire checking account once the check is presented and clears through the receiving institution.

View & Download Statements

You can conveniently access your electronic account statements anytime through the Wildfire Business Mobile App.

1. Open the Wildfire Business Mobile App and select the share or loan you'd like to view under Accounts.
2. Select the "More" icon (three dots), then choose "Statements".
3. Select the statement you'd like to view.

Statements include account statements, loan and credit card statements, and tax statements.

Choose Favorite Accounts

You can mark your most frequently used business accounts as Favorites to make them easier to find. Favorite accounts will appear at the top of your Accounts page and in the Dashboard.

1. Open the Wildfire Business Mobile App and select the account or loan you'd like to favorite under Accounts.
2. Select the star icon in the top-right corner of the transaction page to mark the account as a favorite.
3. To remove an account from your favorites, simply select the star icon again.

You can choose multiple favorite accounts, and your favorites will be displayed first for easier access.

What are the deposit and transaction limits?

Accounts have a $5,000 per check, per day limit and a maximum total limit of $20,000 in any 30-day period.

How long should I retain my original check?

At least two weeks after posted to your account. When you are ready to discard it, mark it "VOID" and dispose of it.

What happens if I discard the check and an issue arises?

If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a copy of the check that can be re-submitted for deposit.

Is there a fee to use Mobile Deposit?

No, the Mobile Deposit service is FREE to Wildfire members making deposits to their eligible account(s).

What are the guidelines for taking a proper photo for Mobile Deposit?

Make sure your check image follows these conditions:

• Take the picture in a well-lit area and with a dark background.
• Make sure the check is not cut off and all four corners of the check are visible.
• Avoid shadows and only the check should be visible in the picture.
• Make sure the check image is clear.

Why was my Mobile Deposit declined?

Possible reasons for a deposit being declined include:

• Ineligible check or duplicate.
• Missing signature or Wildfire endorsement.
• Check is over 6 months old or has a future date.
• Poor image quality.
• Daily mobile deposit limit exceeded.

What types of checks CANNOT be deposited with Mobile Deposit?

The following items are NOT eligible for Mobile Deposit:

• Any check made payable (individually or jointly) to someone who is not an owner on your account.
• Post-dated or Stale-dated checks.
• Checks containing alterations or are illegible (poor image quality).
• Checks that you suspect to be fraudulent.
• Checks or items not payable in United States currency or drawn on financial institutions located outside the United States.
• Any substitute check, the original of which has already been presented for deposit.
• Any image of a check that has already been deposited.
• Money orders, travelers checks, gift checks, savings bonds, starter or counter checks.
• Checks that require authorization or have asterisks in front of check amount.
• Checks from another financial institution to a closed account.

When will deposited funds be available in my account?

If you deposit a check Monday – Friday between 9:00 A.M. - 5:00 P.M. ET funds will be available that day based on our Funds Availability of Deposits.

If you deposit a check Monday – Friday after 5:00 P.M. ET, Saturday, Sunday or a Holiday, funds will be available the next business day based on our Funds Availability of Deposits.

Why must the check be endorsed with the words For Wildfire Mobile Deposit Only?

This specific endorsement ensures that checks deposited through Mobile Deposit will not be deposited again at a Wildfire Credit Union branch or at another financial institution. Checks that are not endorsed as specified will be rejected by Wildfire Credit Union.

How many P2P payments am I allowed to have in progress at one time?

You are only allowed to have five P2P transfers in progress at any given time.

How does a P2P recipient avoid answering a security question each time?

When a P2P request is received, there is a button to select “Auto-Accept” by recipient.

My savings account number is not working to accept a P2P?

If you are having a deposit go to your Wildfire savings, then you will need to add 4 zeros (0000) to the end of your account number.

Why is my P2P not going to recipient and funds have pulled from my account?

• Recipient may have answered the security question incorrectly or failed three times.
• Recipient may need to update debit card or account information.
• Recipient may have not received or deleted e-mail or text for verification.

How long does recipient have to accept P2P?

Recipient has until 5:00 P.M. (EST) that day to complete or P2P will not arrive until next business day.

P2P recipient never received text or e-mail, how do I get refund?

You can delete the P2P in your Payment Activity, or reach out to us. Auto refunds will happen after 10 calendar days if recipient does not accept.

Can I be notified if the P2P went through successfully?

There is an option during P2P setup, to be notified once recipient receives the deposit sent.

How long does it take for P2P to arrive for recipient?

• If P2P is sent via a Wildfire Debit Card then recipient could receive deposit the same day.
• If P2P is sent directly from Wildfire savings or checking account, then recipient should receive deposit the next business day.