Online Security
At WECU, your personal security is of the utmost importance to us. In both real-world and online situations, we take precautions to protect you from fraudulent activity and identity theft.

E-max online banking is secure. The moment you click to login, a secure environment is established between your browser and our server using Secured Socket Layer (SSL) technology. All data transferred between your browser and our server is first encrypted using a 128-bit algorithm. This Encryption method scrambles the data being transmitted such that only your browser and our server are able to unscramble it for processing. If you have any questions or concerns, please let us know.

What is Multi Factor Authentication?

Multi-factor Authentication is the combination of: something you know (your account number and password), something you have (a security token or key), and something you are (fingerprint, palm geometry, typing pattern, etc…).  E-Max employs the first two forms of authentication, your account number\password (something you know) and a security token that is placed on your computer when you register your computer with MFA (something you have). 

Many people think that registering their computer with MFA lowers their security because they are no longer required to answer the additional security questions when logging into E-Max.  This is a false perception.  Here’s why you should register your computer…

There are criminals who try to get malicious programs called Trojans or Key Loggers onto computers for the express purpose of obtaining account and password information used to log into websites.  If your computer was infected with one of these programs and your computer was registered with MFA, the criminal would not be able to log into E-Max because they wouldn’t have the security token.  On the other hand, if you had not registered your computer with MFA, the criminal would also obtain all of your security questions and would be able to log into your account from almost anywhere.

Tips to keep your account safe:

• Never share your account information with anyone, including family.  Family fraud is one of the leading forms of fraud.
• Make sure you have an up-to-date antivirus solution installed on your computer – always!  This will greatly reduce the likelihood of malicious programs getting installed onto your computer.
• Refrain from using foreign computers to access your account.  You don’t necessarily know if there are malicious programs installed on that computer or not.
• Register your account with MFA on the primary computers that you use.

For an interactive E-Pay demonstration, click here!

E-Pay 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. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating.

• Payments that failed due to insufficient funds or other reasons
• Payments to payees located in the Armed Forces Postal Codes such as AE & AP
• Payments to settle securities transactions
• Payments to payoff special or delayed financing for purchases
• Payments to credit counseling agencies who pay creditors on your behalf

4. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:

• Payments to payees outside of the United States
• Court-ordered payments such as alimony, child support, speeding tickets, etc.
• Tax entities
• Collection agencies

5. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records).

Please refer to the E-Pay Section of our Electronic Funds Transfer disclosure.

E-Pay Expedited Payment Guarantee:

If a Properly Scheduled Expedited Payment (defined below) is not received and posted by the payee as of the scheduled payment date, you will not be responsible for any Penalties (defined below) that arise due to the failure of such payment to post on the scheduled date and we will refund you the service fee associated with such payment We will first attempt to have any such Penalties removed, and if the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your payee account noted appropriately to ensure that the situation does not negatively impact your credit rating.

“Penalties” are defined as late fees or finance charges that are assessed on the Properly Scheduled Expedited Payment amount that did not post on the scheduled payment date, not those based on your total outstanding balance.

A “Properly Scheduled Expedited Payment” is defined as a payment that:

1. was made from an account that has sufficient funds for the payment and any fees associated with the payment;

2. was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date including grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Deliver By” date no later than July 15th.);

3. the service indicates is deliverable on or prior to the applicable due date;

4. was not made for any of the following types of transactions:

• Payments that failed due to insufficient funds or other reasons
• Payments to settle securities transactions
• Payments to payoff special or delayed financing for purchases
• Payments to credit counseling agencies who pay creditors on your behalf
• Payments to payees outside of the United States
• Court-ordered payments such as alimony, child support, speeding tickets, etc.
• Tax entities
• Collection agencies

5. the information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records);

6. does not cause you to exceed any applicable risk management limits;

7. was scheduled when the system was available; and

8. the payment complies with the payee's policies.

Please refer to the E-Pay Section of our Electronic Funds Transfer disclosure.

E-Mail Alerts
Wouldn't it be nice if your account could talk to you? No one has time to watch their account 24/7. That's where our E-Notify service comes in.

Using this free service you can have instant notification the moment something changes on your account - all based on your preference. By setting up some pre-defined alert triggers, E-Notify will automatically send an e-mail whenever certain account changes/transactions changes take place. It is a great way to stay on top of your finances! The following is a short list of some great uses for E-Notify:

E-mail messages telling you your E-Statement is ready to be retrieved Personal reminders, such as birthdays, anniversaries and appointments When savings or loan balances arrive at an amount you specify Pre-authorized ACH (Automated Clearing House) withdrawals

Reminders when your loan or VISA payments are due When your certificate is about to mature Payroll, pre-authorized transfers or direct deposits as they hit your account When your checking or savings balances fall below a specified amount

E-statements
By choosing E-statements over standard paper statements you will increase the security of your personal information, you'll be more environmentally friendly, you'll save storage space, and the credit union will save money. You will also have a long-term online filing system for all of your financial statements!

• E-Statements are protected behind our E-Max login system, providing you with a high level of data security. We highly recommend E-Statements to help protect yourself from identity theft and other fraud.
• Just like e-mail, E-Statements save everyone paper, time, and money. No more trips to the mailbox for your statements, and no more paper to clutter up your desk.
• Once you sign up, you're past and present E-Statements will be stored online for a very long time. This is a great solution for both personal finances and for businesses! You won't have to keep track of paper statements for auditors.
• By signing up for E-Statements, you'll also have access to E-Alerts, a free online system for sending automated account and personal alerts to your e-mail inbox.

To sign up for E-Statements, click the "E-Notify" button from within E-Max.

Software Integration
From within E-Max you can download your account history into Microsoft Money, Quicken, or Excel format. Simply click on the "Download" icon located on the "Transaction History" page.