Questions about our products and services?

Give us a call at 800.828.4771.


How can I open an account?
Anyone who lives, works, worships, attends school or volunteers in Tulsa or Okmulgee county, or has a family member who does, is welcome to open an account with Western Sun. All that you have to do is open a savings account with a minimum of $5. Then you will be able to utlize any of our products and services.

You may open an account online or at any of our locations.
Back to Top

What is a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
Back to Top

Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
Back to Top

How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
Back to Top

What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
Back to Top

Are savings deposits insured?
Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
Back to Top

What are e-Statements?
e-Statements are a wonderful way to receive your monthly and/or quarterly statements directly to your email's inbox. If you have e-Statements, you can always have access to your statements wherever you have internet access. You can choose to print them or save them. The information stores conveniently and safely for up to 12 months.

You do not need any special computer or software package to access your e-Statements, just internet access and an Internet browser that supports 128-bit encryption. Netscape Navigator 4.75 or higher, Internet Explorer 5.5 or higher, CompuServe 2000 and AOL 5.0 or higher provide the security encryption needed. In addition, you must have a valid, working e-mail account (address).

When your e-Statement is ready, you will receive an email telling you that it is available. The email address you supply us when you initially sign up is the one we will send the notification to so be sure you contact WSFCU if anything changes or update your email address through the link provided on the log in page. We cannot send this notification to more than one address. If your email does not reach you and returns to us, you will automatically return to having paper statements.

If you ever decide to return to paper statements, simply click on "Cancel My e-Statement" button. You can always call any WSFCU location and cancel as well.
Back to Top

What is Courtesy Pay?
Courtesy Pay is a benefit that you may receive on your personal checking account. It does not apply to our Fresh Start Checking. The service will provide up to $1000 in Courtesy Pay on qualified checking accounts opened at least 3 months and maintained in good standing. It is automatically added to your account if you qualify. It may also be taken away at any time without notice.
Courtesy Pay will save you the embarrassment and expense of returned checks when you make an honest mistake in your checkbook, have unplanned expenses, or run short on cash between paydays. Instead of returning checks unpaid, we may automatically pay them for you, up to $1,000.

When we receive an item for payment that causes the balance in your account to go below zero, we may pay the check or debit up to $1,000 including the Courtesy Pay fee.

Courtesy Pay is not a loan. When you exceed the Courtesy Pay limit, any additional items will be returned or declined when presented for payment.

Courtesy Pay does not cost anything unless you use it. If you overdraw your account by using Courtesy Pay, we will assess a $25.00 Courtesy Pay fee for each item paid. Items that exceed the Courtesy Pay limit of $1,000 (including Courtesy Pay fees) will be assessed a $25.00 insufficient fund fee for each item and returned as NSF.

You cannot use Courtesy Pay to pay for a WSFCU loan.

If you do not want Courtesy Pay, we can delink it from your account. We can change your account status so that no overdrawn items are paid using the Courtesy Pay service. If you opt out of the Courtesy Pay service, any future overdrawn items presented for payment against your account will be returned unpaid and a $25.00 NSF fee will be assessed after funds for overdraft protection (if applicable) have been depleted. You may also be charged additional fees by the merchant/payee. Carefully consider your decision to opt out of this program.

WSFCU does offer its members Overdraft Protection. Members can choose one or both of the following overdraft protection options in addition to having Courtesy Pay: Transfer from primary share account and/or Transfer from another share account and/or Advance from an overdraft line of credit.

If you do have Overdraft Protection on your account, it will use whatever account(s) you have set up, in the order you arranged. Then, if you have qualified for Courtesy Pay, it will default to that service.
Back to Top

What is the difference between Overdraft Protection and Courtesy Pay?
Overdraft Protection allows funds to be transferred from a previously designated account to pay an item. Overdraft protection will NOT allow the account to overdraw (go into a negative balance) to pay an item. A line of credit can be set up to be used for overdraft protection. In order to receive a line of credit, you must complete an application and receive credit approval.

Courtesy Pay is a non-contractual courtesy, offered at the sole discretion of the credit union, to members who maintain their Share Draft accounts in good standing. Any Courtesy Pay amount covered by WSFCU in the Courtesy Pay process is NOT considered an account holder loan and is not subject to interest being charged. Each overdraft item that is paid is subject to the Courtesy Pay fee.

Overdraft Protection and Courtesy Pay are two completely separate services offered by WSFCU.
Back to Top

How long do I have to bring my account into a positive balance?

Generally speaking, you should bring your checking account to a positive end-of-day balance as soon as possible and certainly within 20 days. However, depending on the situation, we can ask for repayment at any time. Any deposit that is made will automatically be applied to any overdrawn balance and associated fees first.

If you do not bring your account to a positive balance, your Courtesy Pay will be suspended or revoked until the account is returned to good standing, regardless if you've reached the $1,000 limit or not. If your account balance is negative for 30 days, you could lose your checking privileges at Western Sun Federal Credit Union.
QUALIFICATIONS: Enrollment in Courtesy Pay is automatic for those members who qualify. Requirements include, but are not limited to:

  • You must be at least 18 years old
  • You must have had your checking account opened for a minimum of 3 months and in good standing
  • You have a minimum total deposit of $400 a month into your WSFCU share draft (checking) account
  • You do not have any written off or delinquent loans
  • You do not have any tax levies
  • Your account must be brought to a positive balance at least once every twenty days

Payments made on behalf of members are at the discretion of Western Sun Federal Credit Union. Courtesy Pay program requirements and procedures may be changed or withdrawn at any time without contact. Members will be removed from the Courtesy Pay program if they do not meet the above requirements.
Back to Top

How do I set up Direct Deposit or Payroll Deduction?
If your employer participates in a direct deposit program, you will have to fill out paper work with your HR or Payroll Department and provide them with our Routing Number.

If you would like your Social Security check set up for Direct Deposit, contact the Social Security Administration at (800) SSA-1213 and provide them with your Social Security Number, the name on your check, your account number at Western Sun and our Routing Number. The SSA will mail you a notice before your Direct Deposit begins.
Back to Top

What is Western Sun's Routing Number?
Back to Top

How can I apply for a loan?
You can apply online, at any of our locations, by mail or by phone.
Back to Top

Can I transfer money between my other bank accounts at other financial institutions?
YES! Funds may be transferred between other financial institutions. Please contact a Member Service Rep at any of our locations or you can do this yourself online through Internet Banking.
Back to Top

When will my Christmas Club funds be available to use?
All of the money that you saved will be automatically transferred on November 1st. Please remember to re-deposit $5 and start your savings again for the next year.
Back to Top

What do I do if I am a victim of Identity Theft?
Please contact your branch immediately if you believe that you are a victim of Identity Theft. We may need to close and re-open accounts for you or put a notice on your credit report.

The Federal Trade Commission provides a valuable resource to help answer your questions.
Back to Top

Reg E FAQs

What do you mean by Opt-In?
The Federal Reserve has issued new rules that require anyone wanting to have Debit Courtesy Pay (Reg E) to give consent a.k.a. Opt In to the service.
Back to Top

What is Reg E?
Reg E is a new law that prohibits financial institutions from charging NSF fees on everyday debit and ATM transactions unless a member opts in to have the transaction paid by the credit union through a Debit Courtesy Pay program.
Back to Top

Is this the same as the Courtesy Pay that I have now?
No. Courtesy Pay covers transactions that are done by ACH and by writing a check. This is part of the standard overdraft practices that we offer. Debit Courtesy Pay would possibly cover day-to-day purchases that you make with your Western Sun Visa Check card at places like the grocery store, drug store or wherever you shop.
The qualifications and the coverage amount are shared by standard Courtesy Pay and the new Debit Courtesy Pay.
Back to Top

What types of ATM transactions are affected?
The new rules apply only to withdrawals or transfers made from your Western Sun personal checking account at any ATM or if you choose to get cash back. If you chose not to opt-in, you will not be able to withdraw or transfer an amount that is greater than the funds available in your account at that time.
Back to Top

What if I don’t Opt-In?
If you choose to Opt-OUT, you are no longer allowing Western Sun to allow one-time debits or ATM transactions that may have previously paid in the past. They will now be denied if sufficient funds are not available.
Back to Top

When does this go into effect?
October 4, 2010
Back to Top

Are you still going to try my other accounts first that I have set up under overdraft protection?
YES! We will try the accounts that you listed in the order that you requested first at a fee of only $2 per transaction.
Back to Top

I have several checking accounts. Will they all be covered?
You must Opt-In for each of your checking accounts.
Back to Top

How do I Opt-In?
You can opt-in at any branch location, at the time you open a new checking account, on our website or by phone.
Back to Top

If I choose to have Debit Courtesy Pay on my account will I be charged a fee?
There is no fee for having this service on your account. There is only a fee if you use the service by making a purchase with your debit card or an ATM transaction that would result in a negative balance in your account.
Back to Top

What is the fee for an overdraft transaction?
The fee is $25.
Back to Top

Do all checking accounts qualify for Debit Courtesy Pay?
No. Only our standard checking account can have Debit Courtesy Pay. Fresh Start Checking, Teen Checking and Money Market accounts cannot have Debit Courtesy Pay.
Back to Top

So if I Opt-in and keep money in my account and never go below $0.00, I won’t be charged?
You got it right! This is a precautionary choice, just in case.
Back to Top

If I have Debit Courtesy Pay on my account will all debit card purchases go through?
Based upon your account, there is a preset limit to the amount your account can be overdrawn and if you attempt a transaction that would exceed this limit, the transaction would be declined.
Back to Top

Do these new regulations cover all types of transactions on my account?
No. These regulations only apply to what are considered “everyday debit card transactions” and ATM withdrawals. Recurring payments you set up on your account or on your debit card (ACH transactions) and written checks are not impacted by these new regulations.
Back to Top

Once I opt-in, can I opt-out at a later date?
Yes. You or any joint owner on the account may revoke this consent at any time. You will need to Opt-OUT in writing and include the accounts that you would like to NOT have Debit Courtesy Pay.
Back to Top

What happens if I choose to discontinue Debit Courtesy Pay on my account?
If you choose to discontinue Debit Courtesy Pay, any and all debit card purchases or ATM withdrawals that you attempt to make that would result in a negative balance in your account would be declined.
Back to Top

Are there tools offered by Western Sun to help me avoid having an overdraft?
Yes, WSFCU provides free services to help you monitor your account balance. Western Sun’s Internet Banking provides you with balance information, check images, e.Statements and the ability to schedule low balance email alerts. Western Sun Mobile Banking is a great way to manage your account from anywhere on your mobile phone, making sure you can view your balance before making a purchase. You can call our 24/7 Telephone Teller at (918) 362-1444 and get balances and make transfers as well.
Back to Top

Visa Debit Card Fraud FAQs

How did this happen?
A card processing database or merchant was compromised. It was not a security breach with Western Sun Federal Credit Union’s or our database.
Back to Top

Who was the merchant?
That type of information is not provided to us.
Back to Top

How can I make sure this doesn’t happen again?
Once we are notified, we will close your card and reissue a new one. It is your responsibility to monitor your transactions on you card. We provide free internet banking, mobile banking and PASS for 24 hour access to your accounts.
Back to Top

When will I get my money back?
Provisional credits are usually given back within a day or two but can take up to 20 days depending on the situation.
Back to Top

What is provisional credit?
Provisional credit is funds that are deposited into your account to cover any fraudulent charges that have been debited from your account less $50.
Back to Top

Why is it less $50?
The first $50 is held until an investigation is completed and the type of transaction has been identified. In most cases, the $50 will be refunded at the end of the investigation.
Back to Top

Will my NSF fees be refunded?
Yes. Each account is looked at carefully and all fees related to any fraudulent charges will be refunded to the account the fees were debited from. For example, if the charges took your checking account to $0 and your overdraft kicked in from another account, such as your savings account, the fee will may have debited from your checking and funds were transferred from your savings in overnight processing to cover a negative (overdraft protection). In this situation, we will credit funds back to your checking account.
Back to Top

How long do I have to report a fraudulent charge?
You have up to 60 days from the date of the transaction.
Back to Top

Do I need to file a police report?
No. If it is a fraudulent transaction a police report is not necessary.
Back to Top

Do I need to close my checking account?
No. This was not on the account level; this is on your Visa debit card number directly.
Back to Top

I received a letter in the mail. Does that mean I have fraud on my checking account?
If you received a letter, it means that your card number appeared on a compromised card list. The account linked to that card number could potentially be affected. It is important that you check your account regularly for any fraudulent transactions and report them to us immediately.
Back to Top

Why didn’t you shut off my card immediately if it was on a compromised list?
Once a list is received, we take precautions and lower standard transaction limits. All cards on the list may or may not be used; therefore, until we get a new card out to you, we want you to have access to your funds.

Although we set lower transaction limits for your (and our) protection, you can go over that amount in a single transaction by using your card as a DEBIT transaction and entering your PIN.
Back to Top

Why didn’t I get a letter on my spouse’s card?
Even though you and your spouse may share an account, you will have different card numbers, so one may have been compromised but the other must not have been compromised.
Back to Top

How long will it be before I receive my new card?
It is usually 5-10 business days before you get your new card and pin in the mail. Your pin and card will be mailed separately.
Back to Top

By opting into the Reg E, will the overdraft amount be available to fraudulent charges?
Unfortunately, yes. Overdraft funds will be available. However, if it is fraud you will not be liable for any more than $50 (which you may receive back as well). If a fraud transaction has hit your account and brought you negative, REG E potentially will allow you to continue to use your card in which fees will be waived up to 5 days if a provisional credit has not been credited to your account.
Back to Top

What if I notice fraud on my Visa credit card?
You will need to contact TNB 24 hour customer service directly at 1.800.442.4757.
Back to Top

What Federal Holidays are your branches closed for throughout the year?
New Year's Day, Dr. Martin Luther King Jr. Day, President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran's Day, Thanksgiving Day and Christmas Day. All branches close at 2pm on Christmas Eve.
Back to Top

What is your Funds Availablity Policy?
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day, making the funds available by the fifth business day after the day of the deposit. Members with accounts in good standing with positive account history may receive up to $200 of their deposit due to the Dodd Frank (Reg CC) Act as of July 21, 2011.

For a list of hold exceptions, please refer to your Membership Booklet or ask any WSFCU employee.
Back to Top

Mobile Check Deposit FAQs

What is Mobile Check Deposit (MCD)?
MCD is a feature within the Western Sun Federal Credit Union(WSFCU) Mobile app. It is a secure service that allows you to deposit paper checks into your WSFCU accounts from anywhere using your mobile device by taking a picture of a check and transmitting the image.
Back to Top

Is MCD secure?
MCD uses the same level of security and encryption standards as online banking, ensuring that member deposits and personal information are completely safe.
Back to Top

What type of mobile device do I need to use Mobile Check Deposit?
You must first download the WSFCU Mobile app in order to access MCD. The app is currently available for Android™ (greater than 2.3.4) and iOS® devices (iPhone® with iOS 4.3 or later). A camera in your mobile device and a connection to the Internet is required in order to use Mobile Check Deposit.
Back to Top

What are the Eligibility Requirements?

  • Your checking account must be open for at least three (3) months
  • You must have three (3) or less overdrafts on your checking account in a quarter
  • You must have a regular or Green Teen Checking account OR a Money Market account. MCD is not available for Fresh Start Checking accounts.
  • Loans with WSFCU must be current and in good standing.
  • You have not caused the credit union a loss such as a charged-off loan(s).

Again, you must be enrolled in Internet Banking and have downloaded the free WSFCU Mobile Banking app. Before depositing your first check, you must read and accept the Mobile Check Deposit Agreement.
Back to Top

How do I make my first mobile deposit?
Making your first mobile check deposit is fast and easy:

  1. Make sure you have downloaded the WSFCU Mobile Banking app for either your iPhone®, iPod touch® or AndroidTM device
  2. Sign in on the WSFCU Mobile Banking app using your Internet Banking user ID and password
  3. Choose the ICON of the camera on the ACCOUNTS screen
  4. As part of enrollment in the service you'll be asked to read and accept the Mobile Remote Deposit Capture Services Agreement
  5. Select the checking account into which you want to deposit the check
  6. Enter the amount of your check
  7. Endorse the back of your check with your signature and "MOBILE DEPOSIT"
  8. Snap pictures of the front and back of your check
  9. Submit the check for deposit

You will receive onscreen confirmation that your check was received.

Receipt of such confirmation does not mean that the transmission was error free or complete. It is your responsibility to verify that your deposit was made into the selected account. We will not contact you to tell you that your check has been rejected.
Back to Top

How should I endorse the check?
Endorse all checks transmitted through Mobile Check Deposit with "MOBILE DEPOSIT” and sign the back of the check. Checks not endorsed with these words and your signature may be rejected.
Back to Top

Why do I need to include the words “MOBILE DEPOSIT” on the back of my check?
These words ensure that your check isn’t deposited again at a WSFCU branch or another financial institution. This helps protect your account from theft and fraud.
Back to Top

Is there a cost to use MCD?
No, MCD is a free service offered to you, however we do reserve the right to charge for this product at any time with at least a thirty (30) day notice to you.
Back to Top

Do I need to include a deposit slip with my check?
No, a deposit slip is not required.
Back to Top

Can I deposit more than one check at a time?
No, only one check can be deposited at a time.
Back to Top

Can I deposit more than one check per day?
Yes, you can.
Back to Top

If I discover I've entered an incorrect amount for a deposited check, should I re-deposit the check?
No. The system should reject the deposit for the numbers not matching.
Back to Top

What happens if I chose the wrong account to deposit the check?
You will have to transfer the funds once they have been deposited through Internet Banking or MCD.
Back to Top

Can I use MCD to deposit funds to accounts other than WSFCU checking or savings accounts?
No. The eligible deposit accounts will appear in the Accounts list.
Back to Top

When will my funds be available?
Deposits received before 4pm on a normal business day will be credited within two days. Business days do not include weekends or federal holidays.
Back to Top

What types of checks does MCD NOT accept?

  1. Checks or items payable to any person or entity other than you.
  2. Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.
  3. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
  4. Checks or items previously deposited via RDC or otherwise converted to a substitute check, as defined in Reg CC.
  5. Checks or items drawn on a financial institution located outside the United States.
  6. Checks or items that are remotely created checks, as defined in Reg CC.
  7. Checks or items not payable in United States currency.
  8. Checks or items dated more than 6 months prior to the date of deposit.
  9. Starter or counter checks.
  10. Money Orders and travelers checks.
  11. AMEX Gift Cheques.
  12. Checks that require authorization (e.g. COMCHEKS, BranchPay, RapidDrafts)
  13. Loan or credit card payments.
  14. IRA and Share Certificate deposits.
  15. Checks or items prohibited by WSFCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your WSFCU account.

Note that Government checks are often problematic and are not recommended for Remote Deposit. We suggest you bring those to the branch to ensure timely availability of your funds.
Back to Top

What should I do with my check after using MCD?
It is suggested that you retain your check for 45 days. After the 45 days, you may destroy the check that you deposited by MCD. Please note, it is a best practice to shredthe check. DO NOT mail the check to the credit union.
Back to Top

Do I have to chose to either use MCD or in person/branch deposits?
No. You can still make deposits in whatever method is most convenient for you. You do not have to choose one or the other services.
Back to Top

Is there a daily limit to the total deposit amount or per check total?
Yes. We allow up to $2,000 per item with a $2,000 limit per day and a $5,000 deposit per month. Please refer to the MCD Agreement or ask a Member Services Representative.
Back to Top

I submitted a check but then I received an Secure Message instructing me to bring the check to a branch office. Why?
There was a problem either with the check, with you meeting the eligibility requirements or your limits were exceeded. Most likely there was something wrong with the check.

Below are a few common errors that may cause your check to be rejected:

  • Folded or torn corners
  • Front image is not legible
  • Amounts not matching
  • Routing and account numbers are unclear
  • Image is too dark
  • You did not meet the requirements to use Mobile Deposit

Techniques for capturing a good check image are as follows:

  • Take the photo against a background with a strong contrast between the check and the surrounding area.
  • Position the camera above the check so there is no angle.
  • Move any objects that show up in the picture away from the check.
  • Make sure the check is visible, contains all four corners, is well lit and in focus.
  • The check must contain a readable check number, payee name, and endorsement as described below.
  • The check must contain a readable character (numeric) amount of the check and legal amount of the check.
  • The check must be drawn on an institution located within the United States.

Back to Top

What do I do if I wish to cancel the MCD service?
We can opt you out or block MCD. Visit your local branch, email us at memberservices@wsfcu.com or call us at (918) 362-1400 or (800) 828-4771.
Back to Top

What should I do if I need assistance or experience a technical problem while using MCD?
Mobile Check Deposit is a self-service feature and designed to be user friendly. If you need help, please contact a Member Service Representative by phone at (918) 362-1400, (800) 828-4771 or in person at any one of our branch locations. If there is a planned interruption of service, WSFCU will post an alert on our website.
Back to Top

What should I do if I experience an error?
Notify WSFCU of any suspected errors regarding your mobile deposit right away and no later than 60 days after the applicable account statement is provided. Unless you notify WSFCU within 60 days from your statement date, such statement regarding all deposits made through MCD shall be deemed correct and you are prohibited from bringing a claim against WSFCU for alleged errors.
Back to Top

How do I know if my deposit was successful?
It is your responsibility to verify the deposit was made. Please check your account to confirm that the deposit posted to your account up to two days after the mobile deposit. Receipt of a mobile confirmation does not mean the transmission was error free, complete or that it will be credited to your account. WSFCU is also not responsible for items we do not receive or for images that are dropped during transmission.
Back to Top

What happens to my account if my check Is ineligible for deposit?
If WSFCU subsequently determines that your check was not eligible for deposit after we gave you such funds, we reserve the right to remove these funds and charge back to your account at any time plus any fee according to the Fee Disclosure.
Back to Top

If my use of MCD is revoked, how do I re-qualify?
You must wait at least 90-days (with no continued activity representing a loss to WSFCU) to request re-enroll in MCD and must meet the same Eligibility Requirements as seen on the first page to be approved.
Back to Top

How can I get a copy of my image after submitting my deposit?
You may request a copy of check by contacting WSFCU. Check images will not be available on Internet Banking. Please see Fee Disclosure for charges.
Back to Top

*WSFCU does not charge you a fee for using this service. However, charges from your wireless carrier may apply. The MCD service is subject to eligibility.

Back to Top

o you have Demo for Onine Banking and Bill Pay?
Yes we do. Take a test drive now!