Does the digital banking system require that I make updates in my Quicken, Quickbooks, or Mint software?
We upgraded our online and mobile banking system on October 11, 2021. If you are a Quicken or QuickBooks user, the online and mobile banking upgrade requires that you make changes to your Quicken or QuickBooks software. Instructions are available below.
Note: Incoming wires are processed Monday - Friday from 9:00am - 5:00pm CT. To check the status of an incoming wire, please contact the sender.
What certificate term lengths are currently available?
Wellby offers 6 month, 12 month, 18 month, 24 month, 36 month, and 48 month term lengths.
When are certificate dividends paid to members?
All dividends are paid monthly except on Regular Shares (S1). Dividends are paid on the first day of the month for amounts accrued during the previous month.
When are certificate dividend checks mailed to members?
Dividend checks are mailed on the first business day of each month for monthly paid accounts, and the first business day of the quarter for quarterly paid accounts.
How do I apply for a Wellby spending account?
You can open one of Wellby’s spending accounts by applying online, visiting one of our branches conveniently located throughout the Houston area, or through our mobile app.
Are there any monthly service fees for a Wellby spending account?
Depending on the spending account you select, there may a monthly fee. The Wellby Spending account offers a $0 monthly service fee, the Wellby Secure Spending account has a $6 monthly service fee and the Wellby Spending Plus account has a $10 monthly service fee. Options are available for the Wellby Secure Spending account and the Wellby Spending Plus account that allow these fees to be waived.
Does the Wellby Spending account have any fees?
No, the Wellby Spending account offers $0 monthly service fees, and no overdraft fees.
Can I manage my Wellby spending account online?
Yes! All Wellby spending accounts come with free online and mobile banking services including online bill pay, mobile check deposit, account transfers, and much more.
Do I need to enroll to take advantage of the identity theft recovery services?
Does the Wellby Secure Spending account have any fees?
Yes, the Wellby Secure Spending account has a low $6 monthly service fee with the ability to waive this fee if you qualify. We’ll waive your $6 Monthly Service Charge when you:
Set up a direct deposit of at least $300 per month
Register for our online banking platform and are an active user by logging in once every three months
Receive eight or more posted debit card transactions or bills paid with your debit card, or by being a Wellby lending member
How do I activate the enhanced identity theft monitoring services that are included with my Wellby Secure Spending or Wellby Spending Plus account?
After you open your Wellby Secure Spending or Wellby Spending Plus account, we will send you information, including the steps to activate your nxg|PROTECT program for enhanced identity theft monitoring services. It is a simple, one-time registration process to start utilizing your benefits.
Does the Wellby Spending Plus account have any fees?
Yes, the Wellby Spending Plus account has a low $10 monthly service fee with the ability to waive this fee if you qualify. We’ll waive your $10 monthly service fee if you:
Set up a direct deposit of at least $4,500 per month
Register for our online banking platform and are an active user by logging in once every three months
Complete one of the following: eight or more posted debit card transactions or bill payments, or $100,000+ in lending balances with Wellby
Do Wellby youth checking accounts include account monitoring?
Yes, the Wellby Early Start Checking and the Wellby Achievement Card account include account alerts and monitoring features for the child, and the parent or guardian, on the account.
Can I manage my Wellby youth checking account online?
Yes! Your Wellby youth checking account comes with free online and mobile banking services including online bill pay, mobile check deposit, account transfers, and much more.
Do I receive a debit card when I open a Wellby spending account?
Yes, all Wellby spending accounts come with a free debit card.
Can I use my debit card to access ATMs?
Yes, your Wellby debit card gives you access to 55,000+ fee-free ATMs across the country.
How long will it take to receive my debit card?
Your new or replacement debit card can take up to 7 business days to arrive and will be mailed directly to you at the address on record for your spending account.
How do I report potentially fraudulent charges to my accounts, debit, or credit cards?
A fraudulent charge is a transaction you did not initiate. If you suspect fraudulent activity on your debit or credit card, contact us immediately at (281) 488-7070 or (800) 940-0780. You can also visit one of our solution centers.
If it's after hours, please call (866) 692-9364 to place an immediate freeze on your card. Contact us the following business day to cancel your card.
The maximum term depends on the vehicle type. Auto loans can be financed up to 84 months, while RV and boat loans have a maximum term of 180 months. Please visit our Rates Center for vehicle loan term options or speak with a Wellby lending specialist for more details.
How do I know if my vehicle loan is approved?
You will be contacted by the loan officer assigned to your application as soon as your loan has been approved. Your loan officer will then answer any questions you may have and explain your next steps.
Can I apply for a vehicle loan if I haven’t found the vehicle I want to purchase yet?
Yes, you may apply for the approximate amount you will finance and obtain a pre-approval which is good for 30 days.
You can apply online for a personal loan, or fill out an application at any of our branches.
Personal loan types include debt consolidation, home improvement, medical expenses, relocation assistance, and secured loans.
How long is a loan pre-approval good for?
A loan pre-approval is good for 30 days and can be renewed.
Do I need to complete more than one application to apply for multiple personal loans?
No, you may apply for the full amount that you need, however, you may have more than one loan if the loans are different types.
Can I consolidate debt from multiple credit cards or loans?
Yes, as long as you qualify for the full amount you need, you can consolidate debt from multiple sources.
Will consolidating my debt lower my monthly payments?
Your monthly payments may decrease depending on the interest rates of your current debt sources and the interest rate you qualify with Wellby.
Is there a prepayment penalty on a Wellby personal loan?
No, Wellby does not charge a penalty if you pay off all or a portion of your loan early.
Can I finance dental expenses with a Wellby medical loan?
Yes, a medical loan from Wellby can be used for medical and dental expenses such as high deductibles, chronic illnesses, medications, elective surgeries, and more.
What expenses can a Wellby relocation assistance loan cover?
Funds from a Wellby relocation assistance loan can be used to pay for movers, rental trucks and moving equipment, security deposits, and much more.
What is the difference between a secured and unsecured loan?
A secured loan uses your savings or certificate account as collateral to help build or improve your credit score. An unsecured loan doesn't require collateral.
How much can I borrow with a secured loan from Wellby?
You can borrow up to 100% of your savings account balance or 90% of your certificate value. Your funds are released as you pay down the loan.
How do I apply for a mortgage?
You can apply online for a mortgage, or fill out an application at any of our branches.
What is private mortgage insurance (PMI)?
Private mortgage insurance (PMI) helps insure the loan in case of default and is collected for all loans that do not have 20% equity.
Am I able to lower my mortgage interest rate?
With a mortgage refinance loan, you may be able to lower your interest rate on your mortgage.
Will my interest rate ever change with a fixed-rate mortgage?
No. One of the primary benefits of a fixed-rate mortgage is that your interest rate will never change. The rate you lock in when you close on the loan will remain your rate through the life of the loan.
What is an adjustable-rate mortgage (ARM)?
An adjustable-rate mortgage, or ARM, is a home loan with an interest rate that can change periodically. Generally, the initial interest rate is lower than that of a comparable fixed-rate mortgage. After that period ends, interest rates, and your monthly payments, can go lower or higher.
Will my interest rate ever change with an adjustable-rate mortgage?
Yes, your interest rate could decrease, or increase, with the market every year after your initial term.
How do I know if my mortgage is approved?
You will be contacted by your mortgage loan officer as soon as your loan has been approved. Your loan officer will then answer any questions you may have and explain your next steps. You will also have access to your Wellby mortgage portal to easily track your mortgage as it progresses through each stage.
Will refinancing my mortgage lower my monthly payments?
Depending on your initial interest rate, you may receive a lower interest rate when you refinance your mortgage with Wellby which will lower your monthly payments.
Can I get a fixed rate or adjustable-rate loan for my investment property?
Yes, a Wellby investment property mortgage is available in fixed-rate and adjustable-rate options to fit your financial needs.
How do I apply for a home equity loan?
You can apply online for a home equity loan, or fill out an application at any of our branches.
How much can I borrow for a Wellby home equity loan?
Generally, you can borrow up to 80% of the loan-to-value (LTV) on your home. Our Mortgage Specialists can help you determine your available limit.
Does a Wellby home equity loan come with a fixed or adjustable rate?
A home equity loan from Wellby has a fixed rate.
Did my member number change?
No. Your member number has not changed.
What is Wellby's routing number?
Our routing number is 313083992.
Did my savings and/or checking account number change?
Your account number did change during the systems upgrade. We made automated updates to our systems to avoid you having to make any major adjustments to your day-to-day banking. Your new account number is available within the Wellby online banking portal and mobile app under Account Details.
Did my debit or credit card number change?
Your current debit and credit cards will continue to work. As we continue to make upgrades to our card offerings, such as digital card controls, tap-to-pay, and more, you will receive additional information. You’ll receive detailed communications specific to any expiring cards.<br>A Wellby card reissue is targeted for 2022.
I still have old JSC FCU checks, can these still be used?
Yes, any JSC FCU checks will be honored. You can also place an order for a free box of checks annually.
Do I have to update my direct deposit?
Your direct deposit associated with your previous account number will transfer over to your new Wellby account and continue to work after the systems upgrade. While that transition happened automatically, it is important that employers or merchants that are sending or receiving funds from your account have your updated account number to avoid potential issues. Your Wellby account number is available within the Wellby online banking portal and mobile app under Account Details. Members who have a split direct deposit set up currently will need to work with their employer's payroll department to arrange the requested split. Alternatively, members can set up a recurring auto-transfer via the Wellby online banking portal and mobile app.
Will Wellby be expanding to new areas/locations?
Yes, we have plans to expand our current branch locations to new areas throughout the Greater Houston Metro. We will send communications for all new location grand openings.
Will existing branches be updated or remodeled?
Yes, we will update signage at all branches, and certain branches will undergo remodeling in order to provide our members with additional services and workspaces. We’ll notify our members as remodels begin and if any service availability changes during that time.
Online and Mobile Banking
Is the Wellby Mobile App free?
Yes, it is free to download and use the Wellby Mobile App.
What services are available while banking online?
Within the online banking portal, you can set up online bill pay, transfer funds check account balances and transactions, send or receive person-to-person payments, view your electronic documents, and much more!
Can I log into my online banking from any device?
Yes, you can log in and utilize the Wellby online banking services from your home or on the go via any computer or mobile device by using your secured login. If you are using a mobile device, we highly recommend you download our Wellby Mobile App for your convenience.
Is the Wellby Mobile App available on Android and Apple devices?
Can I receive alerts on my accounts and loans with the Wellby Mobile App?
Yes, you can receive important account notifications including balance updates, loan payments, transaction notices, and more via automatic alerts.
Do I need to update my username or password for Wellby's online and mobile banking services?
As an added security measure, you will need to create a new username and password the first time you login.
Can I customize the accounts I see on my main dashboard in online and mobile banking?
Yes, you can mark and filter accounts as favorites to display on your main dashboard. To indicate an account as a favorite, select that it is a preferred account in the contextual menu next to the account name.
Did my notifications and eBills (electronic billing statements for an eBill capable payee, such as a credit card company) carry over to the new bill pay service?
Your current payees have been carried over. However, you will need to enroll each eligible payee for which you wish to have an eBill setup. Enrolling is typically as simple as entering the username and password for that payee's website.
Can I make payments to my loans via online and mobile banking?
Yes. You can to make loan payments through online and mobile banking using the standard funds transfer functionality.
Can I schedule single and recurring transfers between my accounts?
Yes, you can schedule single or recurring transfers via online and mobile banking.
Can I make mobile check deposits in online and mobile banking?
We offer a mobile check deposits service via our mobile app only. The look and feel has been refreshed to provide a better experience for you.
Can I order checks via online and mobile banking?
Yes, check ordering is available through online and mobile banking. Be sure to take note of any changes to your account number before ordering checks.
Can I send secure messages to Wellby via online and mobile banking?
Yes. Secured messaging is a great way to have conversations with us safely and securely.
What are overdraft services?
Wellby’s overdraft services guard you against insufficient funds or overdrawing your account in case accidental overdrafts occur. There are a number of services available based on the account type.
What transactions are covered by Wellby’s overdraft services?
Our overdraft protection services cover all transactions, including ACH, checks, ATM, and debit card purchases.
What is Overdraft Ease™?
Based on account history, Overdraft Ease™ covers up to $20 to help prevent overdraft fees. Learn more about Overdraft Ease™.
What is Overdraft Protection?
Wellby’s Overdraft Protection guards you against insufficient funds or overdrawing your account by linking a Wellby savings account or line of credit as a backup in case accidental overdrafts occur. There are a number of services available based on the account type. Learn more about Overdraft Protection.
What is Overdraft Steward?
Overdraft Steward covers potential overdraft transactions at Wellby's discretion for a small fee based on account history, deposits made, and transaction amounts. Learn more about Overdraft Steward.
Which Wellby spending accounts offer the most overdraft protection options?
The Wellby Secure Spending and Wellby Spending Plus accounts offer access to all of our overdraft protection services.
How do I opt-in to overdraft services?
When you open your account, you can select the available overdraft services in which you would like to enroll. For more information, please review the Wellby Overdraft Services Disclosure.
How do I apply for a new savings account?
You can open a new Wellby savings account by applying online, visiting one of our branches conveniently located throughout the Houston area, or through our mobile app.
Are there any monthly service fees for a savings account?
All Wellby savings accounts enjoy $0 monthly service fees.
Is there an initial deposit requirement to open a Wellby Savings account?
No, you can open your new Wellby Savings account with $0 initial deposit and no minimum balance required after opening.
Are there any monthly service fees for a Wellby Savings Plus account?
No. The Wellby Savings Plus account enjoys $0 monthly service fees among other benefits.
Is there an initial deposit requirement to open a Wellby Savings Plus account?
Yes, you can open your new Wellby Savings Plus account with an initial deposit of only $25. Once the account is opened, no minimum balance is required.
Are there any monthly service fees for a Wellby youth savings accounts?
No. The Wellby youth savings accounts enjoy $0 monthly service fees among other benefits.
Is there an initial deposit requirement to open a Wellby youth savings accounts?
Yes, both the Wellby Achievement savings and Wellby Early Start savings accounts can be opened with an initial deposit of $5.
How do I apply for a Wellby IRA savings account?
You can open a new Wellby IRA account by applying online, visiting one of our branches conveniently located throughout the Houston area, or through our mobile app.
Does Wellby offer Traditional, Roth, and Coverdell IRA account options?
Yes, Wellby offers Traditional, Roth, and Coverdell IRA accounts, as certificate or variable share account types.
How can I contribute to my Wellby IRA account?
Once your IRA account is opened, you can make regular contributions to your account, move assets through a direct transfer, or roll over assets from an existing IRA or an employer-sponsored retirement plan.
Where can I find more information about IRAs?
Visit our IRA Center FAQs for answers about IRA basics, types of IRAs, Rollover/Transfers of IRAs, and much more!
Does Wellby offer telebanking or voice banking?
Yes. Call (281) 488-0708 to access telebanking services. You will need your member number and zip code to enroll. If you prefer voice recognition, enter 8* at any time on your call.
What information and services are available using the telebanking service?
When using Wellby’s telebanking service, you can check account balances, transaction history, and transfer funds between your Wellby accounts, including making a payment to your Wellby loan. You can also request a stop payment.
Are there any fees to use the Wellby telebanking service?
No, the Wellby telebanking service is free to use by all members.
Can I make a loan payment using the telebanking service?
Yes, you can schedule a payment for your Wellby loan when using our telebanking service.
Can I request a stop payment using the telebanking service?
Yes, you can request a stop payment. Follow the menu prompts to complete this option.