Services - Winnebago Community Credit Union
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Routing #275981174
Online Banking


Online Banking Mobile Banking SavvyMoney Bill Pay Mobile Check Deposit eStatements Direct Deposit Early Direct Deposit Teller 24

Banking has never been so easy! Access your funds 24/7 with Winnebago Community’s e-Services including our Online Banking, Mobile App, Bill Pay, Mobile Check Deposit, e-Statements, and Teller24 phone banking.

Online Banking

Enroll Now

You’re on the go, take your accounts with you! Manage your funds simply, securely, and smartly with our Online Banking where the following services are just a click away:

  • View account details
  • Transfer funds
  • Set up text and email alerts to better manage your money
  • View check images
  • Reorder checks
  • Review monthly statements
  • Pay your WinCU loans

Mobile Banking

Mobile App

On the go? Our mobile banking brings all the features of Online Banking to your mobile device! It’s a convenient, secure service providing access to your accounts from web-enabled wireless phones.

  • Free Mobile App specifically designed for optimal viewing on mobile devices.
  • Same login ID and password as your Online Banking using Multi-Factor Authentication (MFA) for additional security.
  • Apps available for Android and iPhone, search: Winnebago Community CU Mobile
  • Check your balance, track account activity, transfer money between accounts, deposit checks, find the closest ATM, and send WinCU a message, just to name a few.

Ready to manage your accounts anytime and anywhere? It’s so easy! Get the WCCU mobile app. Download FREE on the App Store or get it on Google Play.

Download on the App Store    Google Play     


Staying on top of your credit score has never been easier. Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score. You can do this ANYTIME and ANYWHERE and for FREE. Benefits of Credit Score:

  • Daily access to your credit score
  • Real-time credit monitoring alerts
  • Credit score simulator
  • Personalized credit report
  • Special credit offers
  • And more!

For information and FAQs on Credit Score click below:
It's easy to get started.
 Log into online or mobile banking to use this FREE service and enroll.

Bill Pay

Pay all your bills in seconds and conveniently in one place with online Bill Pay. From utility bills to babysitters, you can virtually pay all your bills within a few easy clicks. Sign up for Bill Pay is within our Online Banking. Doing so will allow you to do the following:

  • Pay bills electronically - payments are deducted from your checking account
  • Person-to-person payments
  • Place monthly bills directly into Bill Pay with eBill
  • Add, delete, or modify information on your personal list of payees
  • Review payments made over a specific time period
  • Verify and correct information before payments are sent
  • Bill Pay comes FREE with a checking account

Mobile Check Deposit

Deposit checks directly into your WCCU account using your smartphone or tablet. No visit to a branch is required! Simply download the WinCU mobile banking app to get started. Don’t forget to write “For WCCU Mobile Deposit Only” followed by your signature on the back of the check.*

*Based on approval, daily limits are tiered, with a limit of 3 mobile deposits per day. Checks submitted after 4:30 pm Monday-Friday or on holidays, may not be deposited until the following business day. Checks may be placed on hold. Please be aware, that while the WCCU mobile banking app is completely free to download, your mobile carrier may assess web access charges.


Get rid of all the extra paper in your filing cabinet and sign up for eStatements today. Each month, you’ll receive an electronic version of your paper Statements.

Once you enroll in Online Banking, you will automatically receive eStatements. If you wish to change this feature, you can do that within Online Banking. Simply click on the “Statements” tab at the top.

We will notify you by email that your statement is available at the beginning of each month. Statements are on a secure server utilizing high-level encryption. All your statements are available online for 24 months.

Direct Deposit

Have your payroll check electronically deposited at your credit union. Your funds will be available the day you are paid. You will receive an earnings statement from your employer on payday which shows the amount of the net deposit. Your monthly Credit Union statement will also show the amount of the deposit.

To initiate Direct Deposit to your Credit Union account you need to provide your employer with the Credit Union's routing and transit number (ABA#) which is 275981174. Then specify savings or checking and give your employer your account number at the Credit Union. If you have any questions please email us or call us at 920.233.9096.

Get Paid Early with Direct Deposit

With Winnebago Community Credit Union's Early Direct Deposit*, you're eligible to receive your paycheck early. With Early Direct Deposit your payroll, retirement, Social Security, or other direct deposits will be electronically deposited into your WCCU accounts one day early. It's that easy!

Plus, with an extra day of funds, you can do even more with your money. Payday has never been better! Get the most out of your paycheck:

  • Quick and convenient access to funds.
  • Save more, faster! It can go into your savings account before it touches your hands.
  • Pay bills and make loan payments earlier.

Set up direct deposit today to start being paid a day earlier at no charge to you. Request a direct deposit form from your employer or other payment providers, as many offer their own direct deposit form. Provide your employer or other payment providers with WinCU’s routing number #275981174 and your WinCU Member Number to deposit the funds into. For your WinCU Checking Account provide your Member Number + check digit, this is the middle set of numbers on the bottom of your checks. To deposit funds to your WinCU Savings Account, provide your WinCU Member Number.

Once you establish recurring Early Direct Deposit with your employer or other payment provider and the funds are being sent to WinCU, you can allocate the funds to your various accounts. Using Online or Mobile Banking, you can set up recurring weekly, biweekly, twice-monthly, or monthly automatic transfers to your other accounts.

While WinCU will try wherever possible to advance direct deposits by up to a day, availability of funds ahead of the originally scheduled pay date is not guaranteed. You should not rely on Early Direct Deposit to satisfy the needs of scheduled bill or loan payments or any date-sensitive financial obligations. Keep in mind you may already have transfers or payments scheduled on your actual payday. These payments will occur on the regularly scheduled date.

*Subject to employer and/or payer terms and conditions. WinCU may post ACH credit entries one business day earlier than the effective date (if applicable). Exceptions may apply.

Teller 24 – Automated Phone Banking

Unable to access your accounts online? We’ve still got you covered with Teller 24…it’s FREE and easy to use! Call from home, your car, or from the office to:

  • Check account balances
  • Transfer funds
  • See what’s cleared
  • Make WCCU loan payments
  • Change your PIN number
  • Check interest rates

It’s convenient banking. Call 920.233.8118 to get started!