Transfers Guide
Transfers Introduction
This Transfers Guide provides step-by-step instruction for Transfers. Find the Transfers quick link on the navigation bar of your Home Screen in Mobile and Online Banking. The functionality outlined in this document includes: the Transfers Landing Screen, Adding Transfer Accounts, Transfer Initiation, Alerts, Transfer List, Transfer Details, and Searching Transfers. Easily access all of these functions by clicking on Transfers (shown below).
Transfers Landing Screen
Clicking the Transfers link directs you to the Transfers Landing Screen. This screen allows you to view summary information of historical and future-scheduled transfers, add additional transfer accounts, and initiate a new transfer. You can also view a sequential list of transfers and edit scheduled transfers. Please note: If you do not have a loan or credit card, you will not see the "Make A Loan Payment" button on the Transfers Landing Screen.
Adding Additional Transfer Accounts
Add accounts belonging to another Everwise Member or your external accounts at other financial institutions to utilize in Transfers.
To add an Additional Account
1. On the Transfers Screen, click the +Account button.
2. The Accounts Screen displays. Click Add additional account to add an external account. (Or clicking Close returns you to the Transfers Screen).
3. Next, click Add an Everwise Member to add a Everwise Member account or Add an External Account to add an account from another financial institution.
To add an Everwise Member Account
a. Click Add an Everwise Member. The Member-to-Member Transfer Screen displays.
b. Enter the following information
- Member Number
- Enter the Member Number associated with the account to add
- Account Suffix or Account/Loan Number
- Enter the Acct Suffix associated with the account. This is the number following the colon and may be 1, 2 or 3 digits depending on the type of account. (Digits following colon, i.e., 1234:x) In this example, the x would be the account suffix.
- First 3 Letters of Last Name
- Enter the first 3 letters of the Member’s last name, or the first 3 letters of the authorized signer's last name for a business account.
c. Once all fields are complete, click the Verify Member button.
After clicking Verify Member, a “Searching” message displays while the information is validated. An error message displays if you attempt to add your own account or if invalid Member information is entered. Clicking “Try Again” returns you to the previous screen to re-enter information.
d. If valid information is returned, a success message displays.
e. To edit the Account Nickname, click the (x) icon to clear all text, or click into the field and begin typing.
f. Click Save to proceed.
g. The external Member account now displays on the Accounts List under Other Accounts
External accounts will display masked account information and will not display any balance information.
To Add an Account from Another Institution by Login Credentials:
a. On the Transfers Screen, click +Account.
b. Click Add additional account under Other Accounts.
c. On the next screen, click Add an External Account.
Please Note: Everwise uses Trustly to link your external accounts at other financial institutions.
d. Select your bank/credit union from the list of financial institutions or search for it by name.
e. Once you select your financial institution, you will be prompted to verify your user credentials.
f. Enter the credentials (User ID and Password), in addition to any account verification steps, to enable Trustly to retrieve your financial data.
g. Review the disclosure information, then click/tap Next..
h. Proceed by selecting the account you would like to share, then click/tap Next.
i. Review and click/tap Connect my account(s).
j. The account you are connecting will be displayed with the last 4 digits, then click/tap Continue.
k. The account now displays on your Other Acccounts list located within your Transfers service and can be used to make a transfers.
To Add an Account from Another Institution with Microdeposits:
Note: Microdeposits can take 1-3 days to arrive at your other financial institution and will be in amounts less than $1.00. Be sure to check transactions on your external account. Microdeposits must be validated within 1 business day after arriving at your institution or they will expire.
a. On the Transfers Screen, click +Account.
b. Click Add additional account.
c. On the next screen, click Add an External Account.
d. If you cannot find your financial institution, scroll down to the very bottom of the list. Click/tap Enter account details.
e. Enter your name, routing number, account number, and account type, then click Continue.
f. Verify your account and select OK.
g. Click Continue. A deposit will be sent to your account at your other financial institution. It may take 1-3 business days to appear in your bank account transaction history. We advise you to check it each day to retrieve the reference code listed in the deposit. It will look something like this:
h. Once you’ve received the reference code from your other financial institution, log back into your Everwise online banking. Go into your Transfers service tile, and on the Transfers Screen, click +Account. Under OTHER ACCOUNTS, you should see your account listed with “Verification Pending.” Click on your account.
i. To proceed, click VALIDATE.
j. Enter the reference code found within the deposit sent to your external account, then click/tap Submit.
k. You should receive confirmation that your external account was added successfully.
To Remove a Linked External Account
1. On the Transfers screen, click +Account.
2. Locate the account to remove under Other Accounts.
3. Click and hold the account to remove by swiping right-to left on mobile. On desktop, click on the trash can icon.
4. A confirmation displays. Click Delete Account to proceed with removing the account, or click Cancel to retain the account
5. A confirmation for the deletion occurs. Click OK to hide the message
Transfer Initiation
The Transfers Screen allows you to initiate Transfers between accounts. To initiate a Transfer:
1. On the Transfers Screen, click the Transfer button
2. The Start Transfer Screen displays.
3. Click the (+) icon in the From: section to view the list of available accounts to transfer from. My Eligible Accounts lists internal accounts. Other Accounts lists external accounts.
Your internal accounts will display masked account numbers along with balance summary information.
4. Click or tap the account to transfer funds from. The selected account updates in the From: section.
5. Next, click the (+) icon in the To: section to view the list of available accounts to transfer funds to from the list of My Eligible Accounts or Other Accounts.
6. Click or tap the account to transfer funds to. The selected account updates in the To: section
7. Next, enter the Transfer Amount in dollars.
8. For One Time transfers (the default option), enter the Delivery Date or select using the calendar.
9. For recurring transfers, click One Time to view and select additional frequency options.
10. Select the Start Date and End Date for the recurring transfer.
For recurring transfers, first delivery of the transfer will occur on the Start Date. If the transfer frequency includes the 1st, 15th, or Last Day of the Month, the first delivery of the transfer will occur on the next upcoming date. For example, if the Frequency is set as 1st and 15th of the Month and the Start Date is entered as the 12th, the first delivery will occur on the 15th since it is the next upcoming date.
11. Click or tap into the Add Note field to attach a note to the Transfer, if desired.
12. Once all fields are complete, click Review Transfer.
13. The next screen displays the entered transfer information. Click Submit Transfer tocontinue, Review Transfer to return to the prior screen to make changes, or Cancel to exit without submitting the Transfer.
14. After clicking Submit, the Transfer details display. Click Done to return to the Transfers Screen.
15. The Transfer displays as scheduled in the Transfer List.
Once a Transfer is successfully initiated, you will be notified. You can configure your alerts in Notification Settings to customize which Transfer notifications you receive and the delivery method.
Transfer Alerts
The Transfers Screen houses an Alerts section to notify Members of transfer-related activity and other information as configured by the Credit Union. To access unread alerts:
1. Multiple alerts display in a collapsed view. To expand, click the downward pointing caret next to the number of unread alerts
2. Click or tap the alert to view more information
The type of alert determines where the Member is directed after clicking the alert. Account addition alerts direct the Member to the Accounts List. Initiated or scheduled alerts direct the Member to the Transfers Details screen.
3. Alternatively, click the (x) to clear all unread alerts.
Transfer List
The Transfer List displays past and future-scheduled transfers within a 30-day period.
Please note: this list includes transfers sent or scheduled through the Transfers service and does not include the transfers you have received. All transfers received can be found in your Account tile, where the date and amount of the transaction will be provided.
Transfers display in sequential order by date. You can view the transfer status, “Transfer to” account, transfer amount, and note (if added). If a note is not added, the “Transfer from” account displays. Go to the Searching Transfers section to learn how to search for more transfers using the Search Field or by applying filters.
Transfer Status Icons
You can view the Transfer Status according to the icons listed on the Transfer List. Failed transfers display a red exclamation point and the transfer amount displays in red.
Successful transfers display a green checkmark, and the transfer amount displays in bold.
Scheduled transfers that have not yet cleared display the Transfer icon without any additional symbols. The transfer amount remains gray until the transfer occurs.
A same-date transfer will show as scheduled until the transfer occurs, depending on the time that it is processed. With recurring transfers, the initial transfer in the series will show the green checkmark once processed. The next transfer in the series will display within the 30-day period. The pending transfers in the series remain gray and will not show the checkmark until processed and cleared.
Transfer Details
You can select a transfer from the Transfers List to view Transfer Details. The Transfer Details screen displays the Transfer Status, Next Scheduled Date (if applicable), Transfer From: and To: accounts, Amount, Frequency, Delivery Date, Start Date and End Date (for recurring transfers), and Notes entered.
Please note: Transfers received are not included in your Transfers Details. All transfers received can be found in your Account tile, where the date and amount of the transaction will be provided.
Transfer Status Icons
Completed Transfers display a checkmark and the confirmation number.
Recurring Transfers display an arrow, the transfer frequency, and the next scheduled date.
Failed or Declined Transfers display an exclamation point and direct you to try again or contact Member Support.
Editing and Canceling Transfer
You may edit scheduled transfers that have not been processed.
To edit a transfer:
1. Click the scheduled transfer to edit on the Transfers List, then click Edit.
Scheduled transfers for external accounts are not editable the same day that they are initiated. However, they may be edited the day after they are initiated.
For One-Time Transfers:
a. Edit the transfer information, then click Update Transfer when finished.
b. Review the updated information, then click Submit Transfer or click Review Transfer to make additional edits.
c. A success message displays. Click Done to return to the Transfers Screen.
To edit recurring transfers:
a. Click the scheduled transfer to edit on the Transfers List, then click Edit Transfer.
b. Next, select whether to Edit just this one (the displayed Transfer) or to Edit Series, or click Nevermind to return to the previous screen.
c. Edit the information, then click Update Transfer when finished.
One-Time Transfer
Recurring Transfer
For recurring transfers, only the FROM account, Amount and End Date are editable. If the Frequency or TO account is no longer correct, you will need to cancel the series and re-initiate the recurring transfer.
d. Next, click Submit Transfer.
e. A success message displays. Click Done to return to the Transfers Screen.
To cancel a one-time transfer:
1. Click the scheduled transfer to edit on the Transfers List, then click Cancel Transfer.
2. Click Cancel Transfer to proceed or click Nevermind to return to the previous screen.
3. Click Cancel Transfer again to proceed.
4. The one-time scheduled transfer is now canceled and no longer displays in the Transfers List.
To cancel a transfer in a series:
1. Click the scheduled transfer to edit on the Transfers List, then click Cancel Transfer.
2. Next, select whether to Cancel This Transfer? (the displayed transfer) or to Cancel This Series of Transfers?, or click Nevermind to return to the previous screen.
a. If canceling the displayed transfer, click Cancel Transfer to confirm.
b. If canceling the series of transfers, click Cancel Series.
5. The Transfer List refreshes, and the canceled transfers no longer display.
Searching Transfers
The Transfers Search screen allows you to search for Transfers by keywords using the Search Field, or by applying filters.
Please note: The transfers you have received are not included in your Transfers Details and are therefore not searchable within the service. All transfers received can be found in your Account tile, where the date and amount of the transaction will be provided.
To search transfers:
1. On the Transfers Screen, click the Magnifying Glass above the Transfers List.
2. The Transfer Search screen displays with the Search Field and Filters Icon.
To search by Keyword:
a. Click into the Search Field and Enter the keyword or phrase to search by.
b. Click Search.
c. The Transfers List refreshes to display matching results.
d. Click the (x) icon to clear the Search Field to enter a new search, or click Close to return to the Transfers screen.
To filter by Account:
a. Click the filter icon to expand the Filters List.
b. The From: Account and To: Account filter toggles display.
You may need to scroll to view all the available accounts in the From Account and To Account sections.
c. Click the right-side of the toggle or slide left-to-right next to the account(s) to search by that account. The toggle will turn green to indicate the active filter.
d. Click Apply to initiate the search, Clear All to remove the filter(s), or Cancel to return to the Transfers List.
e. The Transfers List refreshes to display matching results. To remove applied filters individually, click the X icon next to the filter.
f. To clear all the filters, click the filter icon and click Clear All.
To search by Transfer Amount:
a. Click the filter icon.
b. Scroll to locate the By Amount section.
c. Enter the amount(s) to search by in the Greater than and/or Less than fields.
Greater than
Less than
Greater than and Less than
d. Click Apply to initiate the search.
e. The Transfers List refreshes to display matching results. To remove applied filters individually, click the X icon next to the filter.
To search by date:
a. Click the filter icon to expand the Filters List.
b. Scroll to locate the By Date section.
c. Click into the Date after and/or the Date before fields and use the calendar to select the date(s) to search by.
d. Click Apply to initiate the search.
e. The Transfers List refreshes to display matching results. To remove applied filters individually, click the X icon next to the filter.
Filters may be applied in any combination of From Account, To Account, Amount, and Date.
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