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WVU debit cards

Debit cards are available if you have a WVU Credit Union Share Draft Checking Account. Debit MasterCard is accepted at millions of merchant locations worldwide, including restaurants, hotels, and online retailers.

Surcharge-free cash withdrawals can also be made world-wide from any Allpoint or MoneyPass ATM 24 hours a day.

24/7 Debit Card Support
Debit card support is available 24 hours a day and 7 days a week with our toll-free Debit Card Self-Service number.
24/7 Debit Card Self-Service can assist with activation, PIN sets/resets, lost/stolen cards, disputes, transaction inquires, card production inquiries, card replacement, temporary limit increases, travel exemptions, & mobile wallets.

Instant Issue Debit Cards
WVU Credit Union can issue debit cards instantly. With today's members relying heavily on debit cards, it is important that they have quick access to an active card. Whether opening a new account or replacing a lost or stolen card, WVU Credit Union members can enter the Credit Union and walk out with their debit card in hand.

Enjoy the benefits of our new flat instant issue debit card:

  • No more waiting 10 or more days for your debit card to arrive in the mail
  • Convenience of having immediate access to your funds with your debit card
  • If card is lost or stolen, new replacement cards are available in minutes
  • Security of having your debit card in hand before you leave the Credit Union

WVU debit cards

Mobile Wallets

Pay fast, secure, and contactless with your mobile phone. No need to touch the card terminal!

  • FREE – Mobile wallets are free.
  • CONVENIENT – Use anywhere contactless payments are accepted.
  • SIMPLE – Just a few taps and your transaction is paid.
  • SECURE – Card details are encrypted before they’re shared with stores.

Try it! Add your WVU Credit Union Debit Card to Apple Pay, Samsung Pay, or Google Pay.

Mobile wallets are currently only available for WVU Credit Union Debit Cards. You currently CANNOT add your WVU Credit Union Visa Platinum Credit Card to a mobile wallet.

WVUCU estatements

Go Paperless and Simplify Your Life

E-statements give you convenient and secure access to your monthly and quarterly account statements. E-statements are delivered to you electronically via our home banking program within the first few days of each month. There's no fee for E-statements, and it's easy to sign up. Just log in to your home banking account, click “Statements”, agree to the terms, and verify your email address. It’s that simple.

Free.   Safe.   Convenient.

WVU Telephone Banking

Our Interactive Voice Response system makes Banking by Phone a snap. Anytime, day or night, you can call 304-293-2077 and get your balance on share accounts, including share draft accounts, or loans. It will also allow you to transfer money between accounts, such as from savings to checking of from savings to loans, and give you detail information on your share accounts.

When you call 304-293-2077 the system will ask you for your account number, after that it will ask for your pin number. The first time you call, your pin number will be the last 4 digits of your social security number. The system will then tell you to change your pin number. From then on you will need your account number and the pin number you selected.

One Click Bill Pay

Sign up for Home Banking and you will be able to also enroll in One Click Bill Pay! Save the stamps and frustrations on your bill payment day. Set up One Click Bill Pay easily and intuitively. Features include making one time payments, or auto-payments to your utilities companies, and much more. Learn more about BIll Pay flexibility and conveniences today! One Click Bill Pay is a feature available through Home Banking access.

  View Bill Pay Demo

Surcharge-Free ATMs

WVU Credit Union members have access to thousands of Surcharge-Free ATMs worldwide. Members do not pay a surcharge at Allpoint Surcharge-Free ATMs, and MoneyPass Surcharge-Free ATMs. ATMs operated by Sheetz, Fairmont Federal Credit Union, and Morgantown AES Federal Credit Union are also Surcharge-Free. Use our locator to find a Surcharge-Free ATM near you.

SecurLOCK Equip
Mobile banking Mobile banking

What is SecurLOCK™ Equip?

SecurLOCK Equip is a mobile app that allows you to control how, when, and where your WVU Credit Union Visa Platinum Credit Cards are used. SecurLOCK Equip DOES NOT WORK WITH DEBIT CARDS. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your credit cards safe and provide instant notifications whenever your credit card is used.

What is required to use it?

SecurLOCK Equip requires you have a WVU Credit Union Visa Platinum Credit Card. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full card number followed by additional authentication information. Once registered, you can begin using the app immediately.

How do I get the SecurLOCK Equip app?

SecurLOCK Equip is available on both Apple and Android mobile devices. If you have an iPhone, you can download the app from the Apple store. If you have an Android phone, you can download the app from the Google Play store. Once the app has successfully downloaded to your mobile device, you can begin the card registration process.

Is there a fee to use the app?

No. It is provided to you at no cost so you can have more control over your WVU Credit Union Visa Platinum Credit Card.

How many cards can I register?

There is no limit as to how many cards you can register. However, we recommend registering no more than 20 cards to a single profile. Any more than the recommended number may affect app performance. The credit card(s) must have been issued from WVU Credit Union.

What kind of cards can I register?

Only WVU Credit Union Visa Platinum Credit Cards can be registered. You CANNOT register WVU Credit Union Debit Cards.

What kind of mobile devices are supported?

Android – OS version 5.0 or later
Apple– iOS version 9.0 or later

What if I am having trouble during registration?

Please use the Contact Us button at the bottom of the landing page.

Why do you need my email address?

Your email address is needed in case you forget your password and need to reset it using the ‘Forgot Password’ link.


Once I register my cards, how do I begin managing and monitoring my payment activity?

You can begin using the service immediately following registration. When turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (except recurring) will be declined. When ready to make a purchase, you can turn the card back on instantly.

In addition to the card on/off function, you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.

What is a real-time alert?

A real time alert is an immediate push notification sent to the app. You can select to be alerted on all payment transactions or you can choose just to be alerted for “selected” transactions. Alerts are available by spend limits, location, transaction type and/or merchant category.

By turning my card off am I closing my account?

No. Using card controls does not change the status of your account.

How long does it take for a control or alert setting to take effect?

Controls and alerts come into effect immediately after you save your preferences.

If I have my card turned off will my recurring transactions go through?

Yes. Recurring transactions (Auto Pay) will be approved while your card is turned OFF, unless recurring transactions have been turned OFF prior to your card being turned OFF.

Can I use My Location, My Regions and International at the same time?

Yes. My Location, My Regions, and the International card control can be used in conjunction with one another.

I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why?

You can see which card controls were invoked in order to decline a transaction within the app. Once you are logged in, tap on Recent Transactions. Find the one that was denied and open it, tap the image so it flips, and the control(s) that were evoked during the authorization will be listed near the bottom. Please note: The transaction could also be declined because of external factors like insufficient funds or fraud monitoring - SecurLOCK Equip will not display these external factors. For more information on why a transaction was declined for reasons other than SecurLOCK Equip card controls, please contact the credit union.

What are Alert Preferences?

Alerts let you know every time a card transaction is attempted. You can choose to be alerted for all, or individually selected transactions. Selected alerts are also available by location, transaction type, merchant type, and threshold amount.

My alerts are supposed to notify me of every transaction, but I am not receiving them.

Only the ‘Primary Device’ will receive alerts. Use the settings menu in the app to set your device as the ‘Primary Device’.

Another common reason for not receiving alerts is due to your mobile device’s notification settings for the SecurLOCK Equip app. If notifications are turned off at the operating system level for the app, SecurLOCK Equip will not be able to deliver alerts to your device.


Once I get a new, replacement smartphone how do I begin using the service again?

Simply download the app to your new smartphone and login with your current user id and password. Your control preferences will remain in place, but your alert preferences will need to be reset.

I received a new card number. Will it be automatically updated in the app?

When your card is reissued with a new card number, you will need to add the new card to the app via the standard registration process. This can be done by going to Manage Portfolio and tapping “Add Card”. Be sure to “unmanage” the old card.

If your card is reissued with the existing card number, you will not need to add it to the app again.

What if I need help with the app?

There is a “Help” function within the app, as well as a “Contact Us” section where you can send an email to the credit union.

How long will my transaction history display?

The last 50 transactions will display in the app for thirty calendar days.

My pending purchase shows it is for more than I paid. Why?

Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

I only want to manage one of my cards, but they're all being displayed.

To select the card(s) you wish to manage, go to Settings and choose Manage Portfolio within the app. Then, uncheck the card(s) you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.

Cards can be (un)managed at any time.

How do I access the menu or log out?

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

How do I get more information about the features and functionality of the app?

A “Help” icon can be found at the bottom of the login page and listed in the menu. On specific pages such as the ‘My Location’ page, tapping the “i “will open a window with detailed information on how the control works.

What if my smartphone is stolen? How secure is the app?

A password is required to login to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.

How can I log in to the app without entering my login name and password every time?

How can I log in to the app without entering my login name and password every time?

If your mobile device does not have the capability for login using Fingerprint or Face ID, you will be offered the option of setting up a numerical passcode.

Additionally, if you own a biometrics-capable device and would prefer to use a numerical passcode, you may be able to turn off biometrics specifically for the SecurLOCK Equip app on your mobile device. This depends on the Operating System that you’re running on your mobile device.

Would a credit, deposit, or payment ever be denied?


Courtesy Pay

Courtesy Pay

If you’ve ever dealt with a returned check or had a debit card unexpectedly declined, you know it doesn’t take much more than a few math errors to end up in an awkward situation. Despite your best efforts to keep an accurate account balance, accidents can and will happen. Maybe your paycheck hasn’t hit your account yet, or your spouse got a tank of gas on the way to work and forgot to tell you.

Whatever the reason, having a transaction declined or returned for insufficient funds can be embarrassing, frustrating, and expensive. Merchants may charge penalties of up to $200 dollars, and may even refer your bill to a collection agency. You could wind up with damage to your credit report. You could even find yourself in legal trouble. Knowingly writing a check where there is not enough money in the account to cover the promise you’ve made is a felony in most states, and you can face fines and jail time if convicted.

WVU Employees’ Federal Credit Union has the answer to your fears. Courtesy Pay is a program that automatically covers your overdraft transactions, up to a possible $300 for Share Draft Checking Accounts. It’s our way of extending you the courtesy of covering your transaction while assuming you’ll pay us back for it later. It’s the kind of outstanding service you’ve come to expect as a valued credit union member.

Courtesy Pay requires no action on your part. To make use of it, there’s nothing to sign or review and it costs you nothing unless you need to use it to cover a transaction. The comfort and security of knowing your overdrafts will be covered is a service you get just by using your checking account. If you should accidentally overdraw your account, a small convenience fee ($25.00) is added to the transaction only when utilized. You can pay this as soon as you’re able without any negative effects on your credit.

Courtesy Pay covers all sorts of transactions. It works on checks and bill pay. If you wish to extend it to debit card transactions, you’ll need to enable overdraft payment on your debit card. You can shop with peace of mind in knowing that your transactions will be covered.

It’s important to note that Courtesy Pay is not a loan, and you shouldn’t think of it as a line of credit. It’s protection against unexpectedly not having enough money in your account. You should not treat it like a credit limit on your debit card or rely on it to buy necessities. There is still a fee per transaction and you are expected to pay back the amount of your overdraft within a short period of time.

Some exceptions to this coverage may apply. If your credit history is complicated, or if you haven’t been a credit union member for long, you may not receive Courtesy Pay protection initially or at all in some situations. Some other requirements, like minimum balance in the account, may also apply. We will be happy to go over the details of Courtesy Pay and explain the specifics of your situation.

So relax. You can avoid the embarrassment and expense of a bad check thanks to the fantastic member services that’s available through WVU Employees’ Federal Credit Union.

Courtesy Pay Form
WVU Gift Cards

Prepaid VISA Gift Cards

Need a gift for a birthday, anniversary, graduation, promotion or simply to say thanks? Our Visa Gift Cards come in colorful designs to celebrate any special event. These debit Cards can be used anywhere Visa is accepted worldwide, including in-store, online and by phone. So, they’re more functional than a gift certificate and safer than cash.

Both Plastic and Virtual Gift Cards are now available. To purchase a Visa Gift Card, just ask us.

Check Balances
WVU Travel Cards

Prepaid VISA Travel Cards

Safer than cash, more convenient than traveler’s checks. Our Visa TravelMoney Card is packed with benefits. Just register it for 90-day purchase protection, plus travel and emergency assistance. Even get reimbursed if your luggage is lost. It’s not tied to checking or savings, so your accounts aren’t in jeopardy if lost or stolen. Emergency card replacement is also available. Manage and reload the card online, and use it wherever Visa debit cards are accepted worldwide. Also, get U.S. currency or foreign local currency at ATMs as you travel. To purchase a Visa TravelMoney Card, just ask us.

Check Balances

Free and quick coin counting with Coinstar

Did you know the Credit Union has a Coinstar coin counting machine. Bring in your unrolled coins and rapidly tally up the amount of money you have. IT IS FREE FOR ALL MEMBERS.

Contact us for more information about this service

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route 66 ext warranty

Route 66 – Extended Warranty Coverage

ARE YOU PREPARED for a mechanical breakdown with your vehicle? Do you have the necessary cash to pay for the rising cost of repairs? If you answered no to either of these questions then a Route 66 Extended Warranty is an intelligent investment to ensure that you are covered if a mechanical breakdown does occur. The price of vehicles is consistently on the rise as well as the costs of repairing them. Did you know that one in three vehicles will experience some type of mechanical failure in a given year? According to, “the average three year old car has 55 problems per 100 vehicles”.

A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns, but it also comes with a $0 deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable. The Route 66 Extended Warranty is the most comprehensive coverage for all makes and models of automobiles so that you will be able to enjoy your new purchase and have “peace of mind” because even the most reliable vehicle can develop a mechanical problem at any time.

With the Route 66 Extended Warranty’s Open Enrollment you don’t have to purchase your warranty at the time of purchase, but at any time during the life of the vehicle. Regardless if your vehicle is still under a manufacturer’s warranty, Route 66 Extended Warranty has a plan that will fit your vehicle. DON’T GET STUCK WITH OUT COVERAGE!

Route 66 Extended Warranty is available with your Auto Loan from the Credit Union. Ask your Auto Loan Representative for more information about this product!

GAP insurance

Guaranteed Asset Protection

Like surprises? Here is a surprise you won't like...

If your vehicle is stolen, or declared a total loss due to an accident, your auto insurance claim settlement may not payoff your loan balance. This could leave you owing thousands of dollars.

We have a solution! Guaranteed Asset Protection.

Our GAP policies also include GAP Advantage. GAP Advantage will pay an additional $1,000.00 toward the financing of a replacement vehicle. The replacement vehicle must be financed with WVU Credit Union in order to get the additional $1,000.00.

More information
GAP insurance

Debt Protection with Life Plus

Does your family have a safety net if the unexpected hits?

Help protect your family against the unexpected.

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances.

Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

This protection could cancel your loan balance or loan payments up to the contract maximums. Protect your loan payments today so you can worry less about tomorrow.

It’s simple to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call WVU Credit Union at 304-293-5737 and ask about protecting your loan payments today.


Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.