Help & Contact

Support

Whether you have questions about your account or are looking for information on digital banking, we're here to help you find the answers you need.

We're here to help.

Review frequently asked questions, start a chat, give us a call or send us a text to answer questions about Wings products and services.

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Call us at (800) 692-2274 from 7 AM-7 PM Mon-Fri, 9 AM-1 PM Sat.

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Important Phone Numbers

General Loans Cards

Call Us at:

1 (800) 692-2274

General Questions: 1 (800) 692-2274
Loan Hotline: 1 (888) 692-5626

General Questions: 1 (800) 692-2274
International: 1 (303) 967-1096

Hours Available:

Monday - Friday: 7 AM - 7 PM
Saturday: 9 AM - 1 PM
Texting: 24/7

General:
Monday - Friday:
7 AM - 7 PM

Saturday: 9 AM - 1 PM

Loan Hotline:
24/7

General:
Monday - Friday:
7 AM - 7 PM

Saturday: 9 AM - 1 PM

International:
24/7

Mailing Address

Wings Credit Union
14985 Glazier Avenue

Apple Valley, MN 55124

Frequently Asked Questions

Credit Cards

Frequently asked questions about Credit Cards
Go to Credit Cards

Digital Banking

Frequently asked questions about Digital Banking with Wings
Go to Digital Banking

How Do I?

Frequently asked questions about banking services with Wings
Go to How Do I?

Member Rewards

Frequently asked questions about the Wings Member Rewards program
Go to Member Rewards

Mortgage

Frequently asked questions about Wings Mortgage products
Go to Mortgage

Savings

Frequently asked questions about Savings accounts and products.
Go to Savings
Top Questions Asked
How do I sign in to digital banking?
  1. On the right-hand side of the Wings website, click on the "Sign In" button
  2. Enter your Wings ID or username(if you have created one) and click the "Next" button. From there, you'll enter your password and log in.
How do I enroll in digital banking?
You can enroll in digital banking on the Wings website or by downloading the mobile app from your device's app store.
  1. In the upper right on the Wings website, click on the "Log In" button to show the dropdown
  2. Click on the "New User" link
  3. Fill out the requested information
View digital banking enrollment video
What are your hours?

Please visit our hours and locations page to find the hours of operation of a branch near you!

What holidays is Wings Credit Union closed?

2023 Holidays:

Christmas Day - Monday, December 25
 

2024 Holidays:

New Year’s Day - Monday, January 1

Martin Luther King Jr. Day - Monday, January 15

President’s Day - Monday, February 19

Memorial Day - Monday, May 27

Juneteenth National Independence Day - Wednesday, June 19

Independence Day - Thursday, July 4

Labor Day - Monday, September 2

Wings Day of Service - Monday, October 14

Veterans Day - Monday, November 11

Thanksgiving Day - Thursday, November 28

Christmas Day - Wednesday, December 25

What is your routing/ABA number?

Wings Credit Union's ABA/Routing number is 296076152.

How do I redeem points for a reward?
  1. Log into digital banking.
  2. On your account dashboard, find "Redeem Rewards".
  3. From there, you can browse rewards and redeem points for your choice of travel, popular gift cards and name brand merchandise through the Member Rewards site.
What is Wings Member Rewards?

The Wings Member Rewards program is a points-based loyalty platform that rewards you for using Wings’ products and services. Earn points by using your Wings Member Rewards Visa Signature® Credit Card.

Is my money safe?
Yes, credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category. You can also use the NCUA’s Share Insurance Estimator to calculate insurance coverage.

Bill Pay

How do I sign up for Bill Pay?
  1. Sign into digital banking
  2. Click on the "Bill Payer" link in the menu
  3. Accept the disclosures and proceed
Can I change or cancel payments in Bill Pay?

Yes, however, any payment changes or cancellations must be received in Bill Pay before the payment begins processing.

Can I set up automatic payments in Bill Pay?

Yes! Simply click the AutoPay link under individual payees to prevent missed payments.

  • AutoPay: You can set up automatic payments according to your preferred schedule (weekly, monthly, semi-monthly, etc). You can change or cancel AutoPay at any time.
  • AutoPay for eBills: You can set up some eBills to be paid automatically according to options you select. You can change or cancel AutoPay for eBills at any time.
How much Bill Pay transaction history will be stored?

Account history for Bill Pay transactions will be stored and available for 84 months, or 7 years. You can find this information under the Activity tab.

What happens if funds are not available in my account?

If the bill is paid electronically, Bill Pay will re-attempt an electronic payment within 24 business hours if the first attempt results in non-sufficient funds (NSF). If a bill is paid by paper check, the check will be returned as non-sufficient funds (NSF). The payee’s bank may resubmit the check for payment. Each time an item is presented for payment and funds are not available, a NSF fee will be charged to your account.

Card Management

Can I notify Wings about my travel plans?

To notify us of your travel plans, you can set up a travel notice in digital banking by selecting Travel Notice from the menu. You can select the destination you're traveling to and the duration of your trip.

Can I order a new debit card in digital banking?
Yes, you can order a new debit card in digital banking by selecting the account and clicking on "Card Services" located under your balance information. From there, select "Request a New Card", confirm your address is correct and submit.
How do I sign up for Member Rewards in digital banking?

Members who apply for and receive a Wings Member Rewards Visa® Signature Credit card will be automatically enrolled in Member Rewards.

What does locking my card in digital banking prevent me from doing?

Locking your card will prevent it from being used for any transactions, including ATM deposits and withdrawals, preauthorized autopayments, and in-store and online purchases.

Why don't I see all of my travel notices?
If you set the notice up before April 22 or by calling, you won't see it on your list of scheduled travel. It has still been submitted to Wings and there is nothing you need to do. 

Certificates

Are there early withdrawal penalties for Certificates?

Yes, depending on the term length of your Certificate, the following penalties will apply:

  • Term less than 24 months = Loss of amount equivalent to 6 months’ dividends (180 days)
  • Term 24 months or greater = Loss of amount equivalent 2 years’ dividends (730 days)
Is there a grace period for Certificate renewals?

Yes.

Members will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Checking Accounts

Can I switch my current checking account to a High-Yield Checking account?

Yes, you can change your checking account to the High-Yield Checking account. Your cards and account numbers will remain the same.

How can I open a Checking account?

You can open an account online by clicking the links below or at one of our branch locations.

Open an Everyday Checking account
Open a High-Yield Checking account
Open a Student Spend Checking account

How often are dividends paid on my High-Yield Checking account?

Dividends are paid monthly.

Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000.

The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Is a High-Yield Checking account eligible for Wings Member Rewards?

High-Yield Checking accounts are not eligible for Wings Members Rewards. If you currently have an Everyday Checking account and want to change it to a High-Yield Checking account, you need to use your points before making the change.

This applies to members who use rewards for the debit card only. Reward points will not be affected if you also have a Wings Member Rewards Visa credit card.

Is this account eligible for Overdraft Protection?

Yes, you may setup Overdraft Protection with a Savings account or Line of Credit.

What are the requirements to earn the advertised APY on a High-Yield Checking account?

To earn the higher dividend rate, members must meet the following requirements:

  • Must be enrolled in eDocuments
  • Must have ACH direct deposit(s) totaling $1,000 or more in the 34 calendar days preceding the last day of the month
  • Must have 15 net PIN or signature point-of-sale debit or credit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 on a Wings debit or credit card and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.
What is considered a debit or credit card transaction for High-Yield Checking?

A transaction is a PIN or signature point-of-sale debit or credit card purchase of over $5 in the 34 calendar days preceding the last business day of the month.

The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 on a Wings debit or credit card and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

What will happen if I accidentally overdraft my Student Spend Account?
If you use your debit card for a debit/PIN-based transaction and don't have enough money in your account, it simply won't go through. If your card is used for a signature-based transaction, a scheduled electronic payment, or for a payment hold (such as a gas station or car rental) where the actual transaction is greater than the available balance; an overdraft may occur and you will be assessed a fee.
Will I receive a debit card with the Student Spend Account?
You can request a Wings Visa® debit card, which can be used to withdraw cash at more than 80,000 ATMs, as well as to make purchases in-store and online. 

Contactless Cards

How can I prevent my contactless card from being charged accidentally?

Be sure that only one contactless device (say, your contactless card or mobile-payment-enabled phone) is near the terminal at one time.

How does contactless technology compare to Apple Pay?

Most contactless payments, including contactless Visa cards, Google Pay and Apple Pay, use the same NFC (Near Field Communication) technology.

Samsung Pay, however, works with both NFC technology and MST (Magnetic Secure Transition) technology, which can be used anywhere you can swipe.

What if a retailer doesn’t offer contactless payment?

You can still pay by inserting or swiping your card as usual.

Will I automatically receive a contactless card?

All new and reissued cards come contactless enabled.

Credit and Debit Card Fraud Alerts

Do I need to sign up for Automated Fraud Alerts?

No, you are automatically signed up for Automated Fraud Alerts with a Wings Visa® Credit or Debit Card.

What are Automated Fraud Alerts?

Fraud Alerts are an innovative technology that allows you to respond quickly to digital voice messages, SMS text messages and/or emails to confirm the validity of suspicious transactions.

What are the calling times for Automated Fraud Alerts?

Automated Fraud Alerts follow the standard guidelines for Fraud Detection Services. Fraud Alerts are attempted between the hours of 8am and 9pm in the member’s time zone. Inbound calls are accepted 24 hours a day, 7 days a week.

What number will Fraud Alerts SMS texts come from?

The SMS texts for fraud alerts will come from 91937.

With Automated Fraud Alerts, will my card in question be blocked if Wings cannot reach me after the 5th attempt?

The blocking of your card number depends on transaction(s) in question. Automated Fraud Alerts is simply another communication channel and it does not change the process already in place with Fraud Detection services today.

Credit Cards

Does Wings offer a rewards credit card?

Yes, Wings offers two different rewards cards depending on your needs:

The Wings Member Rewards Visa Signature® Card for when you want premier card benefits, with flexible reward options and a low, variable rate:

  • 2 points for every $1 spent and 10,000 bonus points after spending $1,000 within the first 90 days.
  • $5,000 minimum credit limit

The Wings Member Cash Rewards Visa Signature Card for when you want a premier card, with cash-back rewards and a low, variable rate:

  • 1.5% cash-back rewards, $100 bonus after spending $1,000 in the first 90 days.
  • $5,000 minimum credit limit

For more information on our Member Rewards platform, please visit this page.

How can I apply for a credit card online?

To apply for a Wings Visa® Credit Card

  1. Please visit our Credit Cards page
  2. Take a look at the comparison chart to see which card is best for you and then click the link below the card details to be taken to that product page
  3. Click on the "Apply Now" button to begin the application process
How can I make credit card payments?

Credit card payments can be paid by a few different ways:

  1. Selecting "Transfers & Payments" in digital banking
  2. Calling (800) 692-2274
  3. By mailing payment to:

    Wings Credit Union
    Attn: Credit Card Payments
    14985 Glazier Avenue, Suite 100
    Apple Valley, MN 55124
How do I set up or edit autopay for my credit card?
You can add, view, edit or delete an autopay in digital banking by navigating to Transfers & Payments. To set up an autopay, click the New Transfer tab in the menu. Select the account you’d like to pull funds from, then choose your credit card. From there, you can choose to pay the full balance or minimum payment on a set frequency. To edit or delete an autopayment, click the Scheduled Transfers tab in the menu, then edit or delete the payment.
Is there a Cash Advance Fee on Wings Visa Credit Cards?

Yes, there is a cash advance fee of $10 or 3% of the cash advance amount (whichever is greater).

Can I receive retroactive points if I enroll my Wings Visa® Platinum card?
No. Points begin accruing after a Wings Visa Platinum card has been enrolled in rewards. Wings will not retroactively pay Member Rewards points.

Credit Score

How often will my credit score be updated?

Credit score reports will be updated on a quarterly basis, in March, June, September and December.

If my credit score changes, will the rate on my loan(s) change?

No. A change in your credit score will not impact existing credit accounts. However, it could influence the rates you are offered on future applications for credit.

What are credit score Reason Codes?
Reason Codes are standardized alphanumeric identifiers that provide an explanation for various events, actions, or outcomes. Generally, they are used to help you better understand what goes into determining your credit score.

For more information about Reason Codes, please visit www.reasoncode.org/reasoncode101/.
What do the Reason Codes on my credit score mean?
Reason Codes are used to help you better understand what goes into determining your credit score. To view what each Reason Code means on your credit score, please visit www.reasoncode.org/allcodes/ and enter in the codes you would like to know more about.
What makes up my VantageScore?

Credit scoring models weigh many different factors, including the mix of types of accounts, the number of accounts you have and the length of time you've had them.

How can I see my credit score?

You will need to enroll in VantageScore Credit Reporting to see your credit score. To enroll, find the VantageScore tile on your dashboard in digital banking, then agree to the disclosure. Once you have enrolled, you will see your credit score on your account dashboard.

Why is my credit score different with VantageScore?

It's important to recognize that the various scoring models use slightly different criteria to determine your credit score. Newer models like VantageScore 4.0 are designed on the most recent timeframe and represent current consumer and lending practices. More data is incorporated to give a more complete picture of your credit standing. Also:

  • Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.
  • If your score declined to an extent that you think lenders will offer you poorer terms and higher rates:
    • Examine the reason codes provided with your score to understand which behaviors are causing the decline.
    • Consider using a credit monitoring tool that provides recommendations for improving your score.
    • Check your credit reports for accuracy.
Will getting the scores through Wings affect my credit score?

No. The reports pulled for this are called “soft” inquiries. Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender.

Credit Unions

What is a Credit Union and how do they differ from banks?

A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer members comprehensive financial services at very competitive rates and terms. And, we do it with the personal attention our members deserve.

Unlike banks, credit unions are member-owned financial cooperatives; so when you join Wings Credit Union, your initial $5 deposit to open a Share Savings account establishes your membership and makes you a part-owner. 

Since there are no outside bank stockholders to satisfy, Wings passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking.

Custodial Share Savings Accounts

Do Custodial Share Savings accounts earn dividends?

Yes, Custodial Share Savings accounts earn quarterly dividends.

What do I need to open a Custodial Share Savings account?

A parent or guardian opening a Custodial Share Savings account will need to provide the minor child's Social Security Number or Taxpayer Identification Number.

What happens to a Custodial Share Savings account when the child is no longer a minor?

Once the child reaches majority age, it is the responsibility of the custodian to close the account and transfer funds to the child.

Who can make transactions on a Custodial Share Savings account?

Either the minor child or custodian may make deposits, but only the custodian may withdraw funds.

Debit Cards

Can I use my debit card while traveling internationally?

Yes, you may use your Wings Visa® Debit Card, but we cannot guarantee that it will work for every transaction, as international merchants use varying forms of payment acceptance.

Our recommendation would be to use our Wings Member Rewards Visa Signature® Credit Card or the Wings Member Cash Rewards Visa Signature Credit Card. These cards comes with built-in chip technology allowing for enhanced fraud protection and more flexibility while traveling internationally, as well as no foreign transaction fees

How do I change my personal identification number (PIN) for my debit card?

To change your PIN, login to digital banking and select the account from your dashboard, then choose "Card Details". You can also visit one of our convenient branch locations, or change it at any Wings ATM.

(Please note that in order to change your PIN at an ATM, it must be a Wings ATM.)

Your PIN acts a signature when you use your debit card for point of sale transactions and to withdraw cash from an ATM.

For security reasons, you should keep your PIN number to yourself, when the number is used we think that you made the transaction.

How do I order a new debit card?

You can order a new debit card in digital banking by selecting the account and clicking on "Card Services" located under your balance information. From there, select "Request a New Card", confirm your address is correct and submit. Alternately, you can call Member Services at 1 (800) 692-2274 to have one ordered for you.

Learn more about our debit cards.

How can I continue earning Member Rewards points?
Member Rewards points can still be earned with the Wings Member Rewards Visa Signature® card. Points earned with those cards will still pool to the same point account, and won’t expire. The Wings Member Rewards Visa Signature card earns 2 points for every $1 spent.

Digital Banking

How do I sign in to digital banking?
  1. On the right-hand side of the Wings website, click on the "Sign In" button
  2. Enter your Wings ID or username(if you have created one) and click the "Next" button. From there, you'll enter your password and log in.
How do I enroll in digital banking?
You can enroll in digital banking on the Wings website or by downloading the mobile app from your device's app store.
  1. In the upper right on the Wings website, click on the "Log In" button to show the dropdown
  2. Click on the "New User" link
  3. Fill out the requested information
View digital banking enrollment video
How do I download the Wings Mobile App?
Download the Wings mobile app in your device’s app store.

Download on the App Store

Download on Google Play
 
How do I logout of digital banking?

From a desktop computer: click your profile icon in the upper right, then select the “Log Out” button located below your name.

From a mobile device: click the menu in the lower right, then select “Log Out” located below your name.

If you don’t log out, you will be automatically logged out after a period of inactivity.

What do I do if I forgot my digital banking password and/or username?

If you do not know your password and/or username, select the "Forgot Username/Password" option on the digital banking sign in screen and follow the verification instructions.

What do I do If I have been locked out of digital banking?

If you have been locked out of digital banking, you must contact a Member Service Representative at (952) 997-8000 during business hours so we can unlock your account.

For your security, we will lock out anyone who is unsuccessful in multiple attempts to log into your account. We want to verify that it is you who is trying to access the account and will ask personal information to reset the account login information.

Can I edit my dashboard?
Yes, you can edit your dashboard to show or hide accounts or features. Watch this video to see how!
How do I change my username?
You can change or create a username by visiting your profile in digital banking, then choosing "Security". Usernames must meet the following criteria:
  • 8-32 characters long
  • Must contain at least one letter
  • Cannot contain any of these characters: [ ] { } : ; \ | / ( ) < >
How can I add or change account nicknames?
Primary or joint accountholders can update account nicknames by choosing the pencil icon near the account on your dashboard. Nicknames are visible to all others that may have access to the account, but only the primary or joint accountholder can edit them.
Why are some of my transactions red with a negative sign?
Red transactions with a negative sign are withdrawals from your account. They do not mean that your account is negative.
Can I access digital banking when traveling internationally?
Access to digital banking is available in most countries. Some countries are blocked due to security risks. If you are planning to travel internationally, we recommend contacting Wings to confirm you will be able to access your account. Daily balance alerts are available in digital banking to make it easy to stay up to date while traveling.

If you are traveling to a restricted country unable to access digital banking, you can manage your account the following ways:
  • Use online chat on the Wings website (during business hours)
  • Call (800) 692-2274 and ask to speak to a representative (during business hours)
  • Call (800) 692-2274 to speak to our virtual assistant to complete basic transactions or request account information, any time
How do I activate financial tools in digital banking?
To activate financial wellness tools, choose any of the tools on your dashboard and select Activate. You'll need to agree to the terms, and then you will start seeing the tools populate information. You can deactivate financial tools by visiting your Profile, then choosing Preferences.
I see something labeled as a digital transfer - what is that?
Transactions labeled as a digital transfer are transfers initiated in digital banking.
What are the financial wellness tools in digital banking?
Wings' digital banking services have financial wellness tools built in to help you get more insight into your habits and how to improve them. Learn more about each tool on our Financial Tools page.
How do I set up biometrics on the mobile app?
First, make sure you have biometrics enabled for the Wings app in your device settings. Then, enable biometrics on the login screen of the Wings mobile app. Biometrics options may vary based on device.
Why aren’t my card alerts delivering in real time?
Review your alert settings to ensure that you have the alerts set up by card, not by account. Login to digital banking and select “Alerts”, then “Subscription Alerts” and navigate to the “Cards” tab. From there, choose the card and alert types you would like to receive. Note: if you do not see your card(s) listed, you may need to register them by clicking on the account from the dashboard, then “Card Services” > “Advanced Card Controls” > “Register”.
Why is biometrics not working?
Biometrics might be failing if you are trying to login to a joint account. Each account can only be tied to one Face ID or fingerprint.
Why did I receive an alert regarding a login from an unknown location?
If you use an account aggregator such as Quicken or Plaid, a VPN or outside network, you may see your account being accessed from an unknown location. Here’s how to verify this:
 
  • In your Profile, choose Security.
  • Select Registered Devices and choose the device that is unfamiliar. 
  • Review the information that is displayed for more detail.
If you do not recognize the activity, please contact Wings.
How do I find my username?
If you have access to the mobile app using biometric login, select Documents & Statements to find your Wings ID near your name or enroll if you haven't already.

Alternatively, you can find your Wings ID here:
  1. Your account statements
  2. Your Wings Membership ID card
  3. Your Wings ID is in the welcome letter emailed from Wings via DocuSign if you joined online.
Why am I receiving a digital banking alert that I didn't sign up for?
You will automatically receive security alerts when certain changes, like contact information updates, are made in digital banking. If you did not initiate a change and are receiving the alert, please contact Wings.
Why am I seeing past due on my account?
You are past on your due date. Please note some accounts do have a grace period.
Why didn’t I receive a push notification?
If you did not receive a push notification when requested, it may be because you do not have notifications enabled for the Wings mobile app. To receive push notifications, please enable notifications for the Wings mobile app in your device’s settings.
When will I receive alerts?
You will receive security and card alerts in real-time. Subscription alerts are pushed out at various times throughout the day, so there may be a delay in delivery.
Why didn't my transfer or payment go through even though I am on autopay?
Please verify that the autopay information is correct. If you have questions, please contact Wings at (800) 692-2274.
Why do I need to receive a one-time code to access some features of digital banking?
To make sure your account is secure and you are the person making changes to sensitive information, we send a one-time code to the contact information on file.
Why doesn't the card image in digital banking match my actual card?
Your card may look different, but the card information such as number and security code is the same.
Why don't I see my account or transactions?
You may have hidden your account. On your account dashboard, click the pencil icon to edit your accounts or dashboard to see anything that has been hidden.
Are all digital banking features available to small businesses?
Small business accounts have many of the same new features. The only differences are that small business users do not have access to Member to Member transfers or Financial Tools.
I'm not seeing a specific feature on my account. Why can't I access it?
There may be permissions on your account that don't allow you to access certain features. If you have questions on your permissions, please contact Wings. 
Why do I need to authenticate when I use Quicken?
Certain features require two-factor authentication for your security. You may need to authenticate when accessing Quicken if you are in a new location, using a VPN, or if it has been a while since you last authenticated.

Digital Wallet

How can I add my card to Apple Pay?
  1. Open the Wallet(r) app and tap the + symbol.
  2. Scan your Wings Visa(r) debit or credit card & verify details.
  3. Review & agree to Terms & Conditions.
  4. Choose a verification method: text, email or phone. (If you select text/phone, it may verify automatically.)

Need help? Call 1 (800) 692-2274.

How do I add my card to Samsung Pay?
  1. Open the Samsung Pay App
  2. Touch ADD or, if this is the first payment card being added, touch Add a credit or debit card.
  3. Using the camera, align your card inside the frame to automatically detect the card number and expiration date.
    (If your camera cannot detect the card details, select "Enter card manually" to fill in the details.)
  4. Fill in the remaining information and select "Next"".
  5. If requested, enter your billing address and select "Save".
How do you add a card to Google Pay?

Open the Google Pay app and touch the plus sign in the bottom right corner, Touch Add a credit or debit card, use the camera to capture your card or manually enter the information.

Why do I need to verify my Wings card for use with Apple Pay?

If the information in your Apple account is different than what is on file with Wings, you may have to verify it is you requesting Apple Pay™. This is just an extra security step from Apple.

Simply have your card available, call the provided number, and we will work with you to verify your card. Once verified, Passbook will send a message letting you know that you may use Apple Pay.

eDocuments

How do I know if I am enrolled in eDocuments?
To see your statement preferences, login to digital banking and select "Documents & Statements", then "Delivery Preferences". If the box is checked, you are enrolled and will only receive statements and notices electronically.
How do I receive my 1099 Tax Form?

The IRS only requires us to report dividends earned if it was over ten dollars, so if you earned less than that in dividends, you would not receive a 1099-INT.

If you receive eDocuments, you can find your tax statements in digital banking under the Documents & Statements section. If you receive paper statements, you will receive them in the mail.

How do I sign up to receive eDocuments?
If you want to receive eDocuments, you need to enroll in eDocuments and agree to receive documents electronically:
  1. Sign into digital banking and select “Documents & Statements”
  2. Review the disclosure and click “Accept”. You’ll see your current statement right away, with up to 36 months of previous statements.
Where can I access tax reporting documents online?
  1. Log into digital banking
  2. Click on "Documents & Statements" in the menu to access your statements. If you are not enrolled in eDocuments, you will need to opt in to agree to receive documents electronically.
Which documents are available as eDocuments?

Account statements; Tax documents like 1098s, 1099, and 5498; account notices.

Eligibility & Requirements

How do I become a member?
Opening your account at Wings can be done online, in-branch, or by mail.
Membership in Wings Credit Union is open to:
  • Anyone who lives or works in an eligible Minnesota or Wisconsin county.
  • Anyone who works in or has retired from the aviation industry nationwide
  • Anyone who lives or works in the Seattle-Tacoma, WA metro area
  • Anyone who lives or works in an eligible Michigan county
  • Anyone who lives or works in an eligible Florida county
  • Individuals who are members of the Wings Financial Foundation
  • Immediate family members of a current Wings member.
 
Once you become a member of the Wings family, you belong for life – no matter where you live or work.

See What Makes Wings Different
  •   Wings’ services are built around your needs, not ours.
  •   We take pride in treating you like an individual, not an account number.
  •   Wings is a not-for-profit institution, where members are co-owners. You benefit from our success in the form of better rates and fewer fees.

Home Equity Line of Credit

Are there closing costs for a Home Equity Line of Credit?

Yes, closing costs can range from $50 - $3,000.

How do I access the funds in a Home Equity Line of Credit?

You may transfer available funds from your line of credit to your checking account in digital banking.

Is the interest on a home equity loan or line tax-deductible?

A portion of your interest may be tax-deductible (consult your tax advisor).

What does it mean to make interest-only payments?

Making interest-only payments during the draw period can offer a lower monthly payment over that time than if you were paying on the principal plus interest. Only available for lines approved with 80% loan-to-value (LTV).

Home Improvement Loan

Are there closing costs for a Home Improvement Loan?

No, there are no closing costs on a Home Improvement Loan.

What is the maximum amount I can borrow for a Home Improvement Loan?

You can borrow up to $50,000 with a Home Improvement Loan.

What’s the difference between a Home Improvement Loan and Home Equity Line of Credit?

A Home Improvement Loan is a one-time installment loan at a fixed rate, providing a single lump sum and predictable monthly payments over the loan’s term. The loan is not secured by a dwelling.

A Home Equity Line of Credit is a revolving, variable-rate line of credit you can draw on as is needed, over a time frame of up to 10 years.

How Do I?

Can I return/exchange unused foreign currency to Wings?

Not at this time.

Currently you can only order and pickup foreign currency through Wings.

How do I make an external transfer?

To make an external transfer:

  1. Log into digital banking
  2. Click on the "Transfers & Payments" section in the menu, click "External Accounts" then click "Add Account". You will need to agree to terms and enter a validation code to add your account.
  3. Transfers can only be made to and from your accounts at other financial institutions, and while external transfers are available nationwide, they are not available to international financial institutions.
How do I reorder checks?

You can reorder checks in two ways:

  1. Log into digital banking and select the checking account you want checks for, then choose "Order Checks" in the upper right corner near your balance information.
  2. Reorder checks here from our provider, Harland Clarke. You will need your check reorder slip (found in your last box of checks) or a check. Enter the unique Reorder Identification Number and the start number listed on your reorder form. If you do not have the Reorder ID, you can also reorder checks by entering information found on your check.
Wings Custom Check Designs Wings offers two custom check series for members. Members receive one free box of checks when account is opened (not including shipping) when you chose one of these two check series. Wings Custom Twin Cities and Aircraft Check Series: [TC Order Code:WFTC] [Aircraft Order Code: WFDS]"
How quickly will my foreign currency order arrive?

Most currencies will arrive the next business day when ordered before the cutoff time, but due to high demand please allow for an additional 2-3 days for your order delivery.

What are my options if I'm having difficulty making a loan payment?
Wings offers the below helpful program.
What are your hours?

Please visit our hours and locations page to find the hours of operation of a branch near you!

What holidays is Wings Credit Union closed?

2023 Holidays:

Christmas Day - Monday, December 25
 

2024 Holidays:

New Year’s Day - Monday, January 1

Martin Luther King Jr. Day - Monday, January 15

President’s Day - Monday, February 19

Memorial Day - Monday, May 27

Juneteenth National Independence Day - Wednesday, June 19

Independence Day - Thursday, July 4

Labor Day - Monday, September 2

Wings Day of Service - Monday, October 14

Veterans Day - Monday, November 11

Thanksgiving Day - Thursday, November 28

Christmas Day - Wednesday, December 25

What is the cutoff time for ordering foreign currency?

Currency can be ordered any time during normal business hours, but for next- business-day delivery, orders must be placed by 2:30 p.m. CST, Monday through Friday.

Due to high demand, please allow 2-3 days for your delivery order.

What is your routing/ABA number?

Wings Credit Union's ABA/Routing number is 296076152.

Where are your ATMs located?

Easily find an ATM within our surcharge-free ATM network - over 80,000 nationwide!

Who can order foreign currency?

We assist members with their foreign currency needs.

Non-members are not eligible for foreign currency exchanges or pickups.

IRAs

What is an IRA?

IRAs are Individual Retirement Accounts.

When Social Security and pension plans are not enough to maintain your standard of living at retirement, an Individual Retirement Account (IRA) can be an excellent investment. Both the Roth and traditional IRA offer a number of benefits, depending on your current financial situation.

  • Traditional IRAs allow you to defer taxes on your contributions' earnings until they are withdrawn.
  • Roth IRAs allow only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period.
Where can I open an IRA?

Member Benefits

What is The Wings Financial Foundation?

Supporting Financial Education The Wings Financial Foundation is a 501(c)(3) nonprofit organization that provides youth and adult educational programs to fulfill a growing need for financial literacy at every age. The Foundation also administers a number of scholarship opportunities to support members' higher education. Contributions to the Wings Financial Foundation go directly to support these educational initiatives.

Wings Membership Eligibility
The Foundation also offers the opportunity for Wings Credit Union membership to individuals who do not qualify through their employment or community membership eligibility. These individuals may take advantage of the money-saving benefits of Wings membership with a minimum $5 donation to the Wings Financial Foundation.

Member Rewards

Can I use my airline miles or hotel rewards through the Member Rewards Travel booking site?

Yes, although rewards eligibility is dependent upon the travel merchant.

Can you use travel vouchers and Member Rewards points at the same time?

No.

How do I enroll my Wings Member Rewards Account in Shop with Points?
Amazon will check to see if your Wings Visa® Debit card, Wings Visa Platinum card or Wings Member Rewards Visa Signature® Card is eligible for Shop with Points. If it is eligible, Amazon will automatically enroll your card, allowing you to see and use your rewards points on Amazon at checkout. You will be given the opportunity to opt out of automatic enrollment. If you opted out but would like to enroll your card, or if you would like to enroll your card ahead of automatic enrollment, you can manually enroll through the link below.

Enroll your card to Shop with Points
How do I make changes to my travel itinerary?

Please contact the airline, hotel or car rental merchant directly for any changes to your travel itinerary.

How do I use Wings Member Rewards points to pay for an order?
First, checkout through your Shopping Cart. Next, select your eligible Wings card as the payment method and choose the amount of Member Rewards points you want to apply to the order. If you don’t have enough Member Rewards points to cover the cost of your entire order, you may use your points to pay for a portion of your order and use the Wings card from which the rewards are applied or an Amazon.com Gift Card to pay for the remainder of your order. The rewards you apply to an eligible order will be deducted from your order total and displayed as “Rewards Points” in the Order Summary. Your Member Rewards points balance will reflect the order once it has been placed. At this time, Member Rewards points can be redeemed for online orders at Amazon.com only and are not redeemable from Amazon.com over the phone.
 
How soon will I receive my statement credit for a travel booking?

Your statement credit will be processed within 2 business days of the day on which your travel reservation was booked.

If I “top-up” on a Travel booking, do I get points or cash-back rewards for the top-up amount?

Yes, the top-up amount charged to your credit or debit card will be treated as a normal purchase and can earn points according to the standard eligible transaction requirements.

If I cancel my trip or receive a refund, how soon will I get my points back?

When canceling a booking or requesting a refund for a portion of your travel booking, you will work directly with the travel merchant, as your booking is associated with your Wings credit or debit card. The timing of point refunds will depend on how quickly the travel merchant processes and issues your refund.

What if I no longer want to use Wings Member Rewards points to shop at Amazon.com?
If you no longer want to use Wings Member Rewards points to shop at Amazon.com, you can unenroll your card from the Shop with Points program under “Account & Lists” and then “Your Account”, located near the top right corner of this page (you must be logged into your Amazon.com account to unenroll). Note that even if you unenroll your card from the Shop with Points program, you will still be able to use your Wings card to pay for purchases at Amazon.com.
What is Shop with Points at Amazon.com?
Shop with Points at Amazon.com offers you the ability to redeem your Wings Member Rewards points to pay for all or part of your eligible orders, including tax and shipping. To participate in Shop with Points at Amazon.com, you’ll need to have an enrolled card.
Which Wings cards are eligible for Shop with points?
At this time, eligible cards include the Wings Member Rewards Visa Signature® card.
Why do I have to provide a Credit or Debit card for travel?

For the best travel experience, it is required that your booking be tied to your Wings credit or debit card. This will allow you to work directly with the airline, hotel or rental car merchant if you need to alter or cancel your itinerary. Once the booking has been completed, Wings will issue a statement credit back to your account in the equivalent amount to the points you redeemed.

How do I redeem points for a reward?
  1. Log into digital banking.
  2. On your account dashboard, find "Redeem Rewards".
  3. From there, you can browse rewards and redeem points for your choice of travel, popular gift cards and name brand merchandise through the Member Rewards site.
How often can I redeem my points for rewards?
You can redeem your points as often as you'd like, as long as you have enough points in your account.
What is Wings Member Rewards?

The Wings Member Rewards program is a points-based loyalty platform that rewards you for using Wings’ products and services. Earn points by using your Wings Member Rewards Visa Signature® Credit Card.

What types of transactions earn points?
You will earn points with all purchases on the Member Rewards Visa Signature card. Cash advance and balance transfers do not earn points. For additional details, see the Member Rewards Terms and Conditions.

 

Will a travel booking be marked as a pending charge or will it post to my account?

Your booking will post to your account before the statement credit is issued.

Will I be automatically enrolled in Member Rewards?

Members who apply for and receive the Wings Member Rewards Visa Signature® Credit card will be automatically enrolled in Member Rewards.

Mobile Deposit

How do I access mobile deposit?
You can access mobile deposit by clicking “Deposit” in the bottom menu of the Wings mobile app. Mobile deposit is only available in the mobile app - download it today in your device’s app store.
Are funds available immediately?
Deposit availability differs for each member and is based on a variety of factors, such as average balance and length of membership.
 
Are there dollar amount limits for Mobile Deposit?
There isn't a limit to how much you can deposit, however there is a limit to the amount of the deposit that will be immediately available. To view your daily limit for immediate fund availability, click on the “Deposit” tab in the mobile app. Dollar amount limits are customized for each member and may change over time.
How do I endorse a check for mobile deposit?
Make sure to sign the back of your check and include the following sentence on one line: For mobile deposit only at Wings
What accounts are available for mobile deposit?
You can use mobile deposit to deposit checks into checking or savings accounts.
Why isn’t my mobile deposit being accepted?
Here are some helpful tips to try if your mobile deposit isn’t being accepted:
  • Make sure your check is properly endorsed on the back. It should be signed and the following sentence should be included on one line: For mobile deposit only at Wings
  • The picture of the check should be taken on a dark background with good lighting
  • Personal checks with standard formatting work best for mobile deposits
If you’re still having an issue making a mobile deposit, please contact us.
 

Mortgage

How do I know how much I can afford?

With Wings, you can get pre-qualified before you start looking for your home, so you'll know how much you can afford.

Get started on the pre-qualification process

How much of a down payment will I need?

Down payment requirements may vary by loan type. Learn more about our different mortgage loan options.

What are your current mortgage rates?
Current mortgage rates are listed here.
What is escrow?

An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.

What is Private Mortgage Insurance (PMI)?

PMI is typically required if your down payment is less than 20% of the home's value. It is designed to protect the lender in case you stop making payments on your loan.

NCUA Insurance

How is it different than FDIC?

The FDIC is the federal regulatory body overseeing banks while NCUA oversees credit unions. Both insure the deposits of individuals up to $250,000.

Is my money safe?
Yes, credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000. The $250,000 in coverage applies to each share owner, per insured credit union, for each account ownership category. You can also use the NCUA’s Share Insurance Estimator to calculate insurance coverage.
What is NCUA?

Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Learn more at https://www.ncua.gov/about-ncua

Personal Tellers

Is a conversation with a Personal Teller private?

A conversation with a Personal Teller is just as private as if a member were talking to a teller in the branch, but for greater privacy there is a handset.

Is there a fee to use a PTM?

No, using a PTM is the same as going to a teller window inside a branch. There are no additional fees.

What cash denominations does the PTM/ATM disperse?

PTMs can disperse cash in 1s, 5s, 20s, 50s or 100s. ATMs will only disperse in 5s, 20s, 50s or 100s.

What does the PTM do?

The PTM has a camera for face-to-face transactions, a touch screen so members can enter information, a scanner to scan ID, audio via handset, earbud or speaker, receipt printer, cash and check acceptors, and it functions as a regular ATM when Personal Tellers are not available.

What is a PTM?

A Personal Teller Machine looks like an ATM, but a member can have real-time, face-to-face conversation with a Wings Personal Teller. A video camera on each side allows the member to interact with the Personal Teller located at our corporate offices. Sound is carried through speakers, a handset, or an optional headphone jack on the PTM.

What transactions can a member complete using a PTM?

Members can do just about every transaction they can do with a teller inside one of our branches. Members can make deposits, withdrawals, transfers, cash checks, make loan payments and more!

PTMs are unable to dispense change. If a check is cashed that includes change, the change will be deposited directly into the member’s account.

Why is Wings using Personal Teller Machines?

Wings is dedicated to putting technology to work to create a better banking experience for members. Expanding our service by adding Personal Teller Machines provides greater convenience, just as when we introduced Online Banking and Mobile Apps.

Refer a Friend

Do referrals expire?

Yes, a referral is good for 180 days.

Do you need to be a Wings member in order to make a referral?

Yes, the referrer must be a current Wings Credit Union member, in good standing, in order to receive the reward. If the referrer is not a member, no reward will be sent to either party. Wings, in their sole discretion, reserves the right to refuse payment of the reward.

How and when will I receive my Reward?
Please allow 2-3 weeks, after completing all requirements of this offer, for delivery of your Visa® Virtual Reward.
How long do I have to complete the requirements to receive the offer?
Requirements must be completed within 60 days of establishing membership.
The person I referred never received the ReferLive email to complete their portion of the online registration. What should I do?

Contact the Customer Service team by email at info@referlive.com or by phone at (615) 864-7520.

Customer Service hours: Monday – Friday 8am – 5pm CT.

Be sure to add info@referlive.com to your safe senders list to prevent emails from being directed to your junk or spam folders.

Savings

Can I purchase savings bonds?
To purchase savings bonds, please go to treasurydirect.gov.
Does Wings redeem savings bonds?
Yes, Wings can redeem E bonds, EE bonds, and I bonds for bond owners or POD/Beneficiaries listed on the bond. Bonds can be redeemed at a Wings branch or through the mail. Wings' mailing address is:

Wings Credit Union
14985 Glazier Avenue

Apple Valley, MN 55124
What are the current savings rates?

For the most current and up to date rates, please visit our Savings Rates page.

When do my Holiday Club account savings become available?

Your savings and any accrued dividends will be transferred to your Share Savings account on the first business day in November.

Will I have access to the funds in my Holiday Club account?

If you should need to access your funds prior to the November disbursement date, you may close the account; however, any accrued dividends will be forfeited.

Transfers and Payments

How can I remove a Member to Member connection?
You can remove a Member to Member connection by navigating to the "Transfers & Payments" menu, then select "Member to Member Accounts". You can remove connected accounts under the "Manage" tab.
How can I see more information about a transfer in digital banking?
You can view details on transfers by visiting by selecting "Transfers & Payments" in the menu, then navigating to "Transfer History". If you need more information about a transfer, please contact Wings at (800) 692-2274.
How do I add an external transfer account?
You can add an external transfer account in digital banking under the "Transfers & Payments" menu. If you don't see your financial institution on the list, you can input the information.

Once you select your financial institution, you will go through the instant verification process by logging in to their digital banking. If instant verification does not work or you do not have digital banking at the other institution, you can connect your account by verifying micro-transactions instead.
How do I make a transfer to another member?
You can securely send money to another Wings member in digital banking. Login to digital banking, then select "Transfers & Payments" in the menu. From there, choose "Member to Member Accounts" and fill in the requested information. You can either set up a transfer using account information or by creating a unique code.
Why can't I edit all of my scheduled transfers?
You are only able to edit the scheduled transfers you created in digital banking. If a Wings employee set up your transfer, you are not able to edit it. If you need to edit a transfer set up by a Wings employee, you can delete the transfer and create a new one.
Why can't I use a member to member code?
Codes can't be used more than once. Please create a code that is unique to you.
Why did my transfer fail?
If you received a notification that your transfer failed, please call Wings at (800) 692-2274 to learn more.

Wings Voice ID

Can I opt out of Voice ID?

Voice ID is a streamlined and secure way to receive service over the phone. However, if you prefer to opt out, you can do so at any time.

Can my voiceprint be stolen?

No, because it's not a recording. Voiceprints are a mathematical representation of the biometric and behavioral features of your voice; a series of numbers that would not allow a hacker to reconstruct your actual voice.

How do I start using Voice ID?

There's nothing specific you need to do. The next time you call Member Services at 1 (800) 692-2274, we'll create your voiceprint while we're assisting you.

How many voiceprints can be on my account?

Each member will have one voiceprint associated with their account profile. If you have a joint account (say with your spouse), you will each have your own voiceprint.

What if my voiceprint isn't recognized?

If for any reason we're unable to verify your identity through your voiceprint (for example, if there's background noise), we will verify you using alternative methods.

What is a voiceprint?

A voiceprint is a set of traits unique to your voice pattern, created from more than 100 physical and behavioral voice characteristics, including pitch, accent, and the shape/size of your vocal tract.

Will it still work if my voice changes due to a cold?

Generally, yes, the slight changes due to a cold or illness won't interfere with Voice ID. In more extreme instances, we will verify you using alternative methods until you feel better.

Not finding what you're looking for?

Educational Center

Wings offers many opportunities for members to learn how to improve their financial health. With free financial education opportunities that range from online modules to in-person classes, we can help you with any financial situation.
Educational Center