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DON’T SHARE YOUR PERSONAL INFORMATION OVER THE PHONE Learn More.

This is How Money Moves®

Download Our Mobile App

Zelle®

Wescom has partnered with Zelle – a fast, safe, and easy way to send and receive money with those you trust, no matter where they bank1.

Get Started

1 Must have a bank account in the U.S. to use Zelle.

Details

Tap into the advantages of Zelle by downloading the latest version of the Wescom Mobile Banking App on the Apple App Store or Google Play Store.

  • Speed: Send money directly from your bank account to theirs in minutes.1
  • Security: Send or receive money right from your Wescom Credit Union app.
  • Convenience: Send money with ease in just a few taps using just an email address or U.S. mobile phone number.2

1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
2Must have a bank account in the U.S. to use Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Zelle FAQs
What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any financial accounts in the U.S., typically within minutes2. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1


Who can I send money to with Zelle?

You can send money to friends, family and others you trust1. Since money is sent directly from your account to another person’s account within minutes2, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.


How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into the Wescom Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes2.

To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.


Someone sent me money with Zelle, how do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your Wescom account, typically within minutes2. If you have not yet enrolled with Zelle, log into the Wescom Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.


What types of payments can I make with Zelle?

Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter, or neighbor. Since money is sent directly from your account to another person’s account within minutes2, Zelle should only be used to send money to people you trust. Zelle payments are considered cash transactions. Neither Wescom, nor Zelle, offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.


How do I get started?

It’s easy — Zelle is already available in your Wescom Mobile Banking App! Check your app and follow a few simple steps to enroll with Zelle today.


What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here. If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.


How does Zelle work?

When you enroll with Zelle through your Wescom Mobile Banking App, your name, Wescom, and the email address or U.S. mobile number you enrolled is shared with Zelle. When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or U.S. mobile number in its “directory” and notifies your financial institution of the incoming payment. Wescom then directs the payment into your account, all while keeping your sensitive account details private.


Can I use Zelle internationally?

In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.


Why is my contact’s name different from what I have displayed on my contact information?

Zelle has a national directory. When sending to an enrolled user for the first time, Zelle will display an alert asking the user to confirm the information. Regardless of what the contact states in your phone, Zelle will display the enrolled name associated with that user from their directory.


Can I cancel a payment?

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.


How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes2. If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes2. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number. Still having trouble? Call Wescom’s Member Contact Center at 1-888-4WESCOM (1-888-493-7266) so we can help you.


Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.


Is my information secure?

Keeping your money and information safe is our top priority. When you use Zelle within the Wescom Mobile Banking App, your information is protected with the same technology we use to keep your Wescom account safe.


Will Wescom ask me for my access code?

Wescom will never ask you for your Zelle access code. Do not share this with anyone and be sure to only use Zelle with others you know and trust.


I’m unsure about using Zelle to pay someone I don’t know. What should I do?

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Wescom nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.


What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Using our Mobile Banking App, you can transfer your email address or U.S. mobile phone number to Wescom. Please be aware, transferring financial institutions will automatically cancel any pending Zelle payments and remove all payments within the Activity Screen at the existing financial institution.


I’m already enrolled in the Zelle app. Can I still use Zelle through Wescom?

If you were previously using Zelle through the Zelle app, it will automatically reroute you to use Zelle within the Wescom Mobile Banking App. This happens because Wescom has now been added as a financial institution that offers Zelle.


Will a joint signer on my account be able to use Zelle in their name?

No. Zelle will link to the primary Member’s name, email address or U.S. mobile phone number only.


Will all Members be eligible to use Zelle?

No. Members are eligible to use Zelle if they are in good standing, at least 15 years of age and have a checking account.


Can I use Zelle to send money to other Wescom Members?

Yes, although to send money to another Wescom Member, please continue to use the Member-to-Member transfer feature in eBranch and Mobile Banking. Zelle is meant for sending money to an account at an outside financial institution and has daily limits; Member-to-Member transfers do not have those same limits.


Is there a fee for me to use Zelle?

No, Wescom will not charge any fees to use Zelle. Your mobile carrier’s messaging and data rates may apply. Follow-up with your wireless provider for more information.


I received an email saying I can’t use the Zelle app anymore. Why can’t I continue using the Zelle app?

The Zelle app will soon only be available to users whose banks and credit unions do not offer Zelle directly to their customers. Because Wescom offers Zelle, you can use it directly through the Wescom Mobile Banking App to send and receive money.


What should I do now so I can continue using Zelle?

Just start using Zelle in the Wescom Mobile Banking App! To get started, log into Wescom’s Mobile Banking App and select the Zelle icon. Following the prompts, enter the information requested, accept the terms and conditions, enter your email address or U.S. mobile phone number, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle.


What happens if I don’t do anything?

You’ll no longer be able to use the Zelle app. To continue using Zelle, you’ll need to enroll through the Wescom app.


What happens to my pending payments?

Any pending payments and requests you’ve sent will be canceled. But don’t worry, once you’ve enrolled with Zelle through the Wescom Mobile Banking App, you can start sending and receiving money again.


My friend’s bank offers Zelle, but she can still use the Zelle app. Why?

Banks and credit unions across the country are phasing-in these changes. The Zelle app will soon only be available to users whose banks and credit unions do not offer it directly to their customers through their banking app. If your friend’s bank offers it, but she can still use the Zelle app today, she will likely receive a notice in the future saying that she will need to enroll with Zelle through her financial institution.


Someone requested money from me, and I’m currently enrolled in the Zelle app. The app keeps telling me to go to my bank or credit union. How can I respond to my friend’s request for money?

Follow the prompt in the Zelle app, and enroll with Zelle through the Wescom Mobile Banking App. Once you’re enrolled with Zelle through Wescom, contact your friend and have them resend you a request. Or, if you already know the amount of money your friend is requesting, you can simply send the money with Zelle through the Wescom app after you confirm their correct email or U.S. mobile number tied to the bank account they have enrolled with Zelle.

Note: When you are no longer able to use the Zelle app, any pending payment requests will be canceled.



1 Must have a bank account in the U.S. to use Zelle.
2 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
3 In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

 

Terms and Conditions

Zelle Network® Standard Terms

Last Updated: 01/16/2020

This Zelle Network Standard Terms (the “Agreement”) is a contract between you and Wescom Central Credit Union (“Credit Union”, “us,” “we,” or “our”) in connection with the Zelle Services defined herein. In addition to this Agreement, in connection with your use of the Service, you may be subject to, and/or required to agree to, account agreements, guidelines, rules, schedules, disclosures, disclaimers and other terms that we have previously provided to you or otherwise make available to you from time to time (collectively “Additional Agreements”). All such Additional Agreements are hereby incorporated by reference into this Agreement. Additional Agreements shall include, without limitation, agreements, rules or other terms governing any checking, savings, or other deposit accounts, loan, line of credit and credit card accounts, and any other accounts that you may access while using the Service; fee schedules; and our About Your Credit Union Accounts Membership and Account Agreement Disclosure (“Membership Agreement”). If the terms and conditions of this Agreement conflict with the terms and conditions contained in any Additional Agreement, the terms and conditions of the specific Service shall govern as to that particular Service unless expressly stated herein. Notwithstanding anything to the contrary, the terms and conditions of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by us in an Additional Agreement.


1. Description of Services

a. We have partnered with the Zelle Network (“Zelle”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle® or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle as “Network Banks.” The term "business days" means Monday through Friday, excluding Saturday, Sunday, federal and other declared holidays.

b. Zelle provides no deposit account or other financial services.Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transmitted by a Network Bank. For the purposes of this Agreement, an account shall mean your Credit Union share or share draft account, i.e., checking account (“Account”).

c. THIS SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.


2. Eligibility and User Profile

When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled Account. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an eligible account in the name of the minor with a parent or guardian as a co-signor or guarantor.


3. Prohibited Payments

You agree that you will not use the Service to send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments.

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.


4. Amendments or Changes to Agreement

Subject to applicable law, we may amend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by posting the updated terms on our website at https://www.wescom.org/zelle we recommend that you access and review this Agreement regularly. If you find the Agreement unacceptable to you, promptly cancel your profile and enrollment with Zelle and immediately discontinue your use of the Services. Your continued access of the Services after any amendment, modification or change to the terms and conditions of this Agreement shall constitute your agreement and acceptance to such amendment, modification or change.


5. Consent to Share Personal Information (Including Account Information)

You consent to us sharing your personal information, which may include Account information, for the following, but not limited to, reason(s):

a. As necessary for Network Banks to complete transfers;

b. As necessary to resolve a problem related to a transfer or payment between you and another User;

c. To verify the existence of your Account, or debit card, as applicable;

d. To comply with government agency or court orders or other legal process;

e. To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act;

f. To comply with inquires in connection with fraud prevention or any investigation;

g. For our general business purpose, including without limitation data analysis and audits;

h. As otherwise permitted by the terms of our Privacy Policy, as discussed in the Section below titled “Privacy and Information Security;” or

i. If you give us prior verbal or written permission


6. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Privacy Policy by visiting www.wescom.org/privacy/, which Privacy Policy is incorporated into and made a part of this Agreement by this reference.


7. Wireless Operator Data

We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See Zelle’s Privacy Policy (https://www.zellepay.com/privacy-policy) for how it treats your data.


8. Enrolling for the Service

a. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers). You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol.

b. Once enrolled, you may:

i. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and

ii. receive money from another User either at that User’s initiation or at your request, subjectto the conditions of the Section below titled “Requesting Money.”


9. Consent to Emails and Automated Text Messages.

By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you. You agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree:

a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.

b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you.

c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.

d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf.

e. To cancel text messaging from us, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our customer service at 888-493-7266. You expressly consent to receipt of a text message to confirm your “STOP” request.

f. Supported Carriers: AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator.


10. Receiving Money; Money Transfers by Network Banks

Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize us to initiate credit entries to the bank Account you have enrolled.

Most transfers of money to you from other Users will occur within minutes2. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, push notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment.


11. Sending Money; Debits by Network Banks

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us or another Network Bank to initiate a debit entry to your Account. You understand that when you send the payment, you will have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.

In most cases, when you are sending money, the transfer will occur in minutes2; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle, either in the Zelle mobile app or with a Network Bank, they will receive a text or email notification instructing them on how to enroll to receive the money. In situations where you are sending money to someone who has not enrolled as a User with Zelle, your account will not be debited until the recipient enrolls as a User with Zelle. You understand and acknowledge that a person to whom you are sending money and who is not enrolled as a User may fail to enroll with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e., email, push notification).

We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User.


12. Statements

Transactions made through the Service will appear in the online transaction history and on your periodic statement(s) for your Account.


13. Liability

Neither we nor Zelle shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND PEOPLE WITH WHOM YOU ARE FAMILIAR. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS THAT YOU DO NOT TRUST. ZELLE DOES NOT OFFER A PROTECTION PROGRAM FOR 5 AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.


14. Liability for Failure to Complete Transfers

If we do not complete a transfer you send from your Account in the correct amount or according to our agreement with you, we will be liable for those damages as the law imposes in such cases. However, there are some exceptions. We will not be liable, for example:

a. If, through no fault of ours, your Account does not contain sufficient funds to make the transfer and the transfer would exceed any credit line or any overdraft for such account.

b. The Service, your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was evident to you at the time you began the transfer.

c. Circumstances beyond our control, such as fires, floods, acts of God, power outages and the like.

d. If you have not provided us with complete and correct transfer information, including without limitation the financial institution name and account number (if applicable), the email address or mobile phone number of the recipient for transfers you send and transfer amount for a transfer.

The list of examples set out in this Section is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable.


15. Send Limits

For security reasons, we do not disclose send limits in this Agreement. Please contact us at 888-493-7266 for mobile information regarding applicable send limits.

Transfer limits applicable to Users of other Network Banks are governed by the User’s Network Bank. Transfer limits applicable to Users who use the separate Zelle service website or mobile app are governed by Zelle’s separate service agreements. You understand that if you use the separate Zelle transfer service website or mobile app, you may be subject to lower limits than those applicable to you using the Service hosted directly by us.

We reserve the right to change from time to time the dollar amount of transfers you are permitted to make using the Service. All transfer limits are subject to temporary reductions to protect the security of accounts and/or the Service.


16. Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request or that you will receive the amount that you request. Neither we nor Zelle accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User.

By accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless us, Zelle, its 6 owners, directors, officers agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.


17. Transaction Errors

In case of errors or questions about your electronic fund transfers, you must telephone us at (888) 493-7266, e-mail us at mail@wescom.org, log on to eBranch and notify us using the “Chat With Us” option, or write to us at P.O. Box 7058, Pasadena, CA 91109-7058 as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When contacting us, please make sure to:

  • Tell us your name and account number (if any);
  • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and
  • Tell us the dollar amount of the suspected error

If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your Account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

*If you give notice of an error within thirty (30) days after you make the first deposit to your Account, we may take up to twenty (20) business days instead of ten (10) business days to provisionally credit your account for the amount you think is in error.

**If you give notice of an error within thirty (30) days after you make your first deposit to your Account, notice of an error, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days instead of forty-five (45) to investigate your complaint.


18. Your Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your password has been lost or stolen or that an unauthorized online transfer has been made from any of your deposit accounts. Telephoning us is the best and fastest way of keeping your possible losses to a minimum. You could lose all the money in the Accounts, (plus your maximum overdraft Line of Credit, if you have one with us). If you tell us within two (2) business days after you discover the loss or theft, you may be liable for no more than $50, if someone accesses your Account without your permission.

If you do not tell us within two (2) business days after you discover the loss or theft of your password or that an unauthorized online transfer has been made from any of your deposit Accounts, and we can prove we could have stopped someone from making a transfer without your authorization if you had told us, you could lose as much as $500. Furthermore, if any Account statement shows online transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days for a transfer from your Account after a statement showing such a transfer was transmitted, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If your delay in notifying the Credit Union was due to extenuating circumstances, we shall extend the times above to a reasonable period. If you have authorized someone else to use of your password, you are responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized.


19. Fees

You are responsible for paying all fees associated with your use of the Service, including but not limited to telephone access fees and internet service fees, assessed by your telephone and internet service provider. Any financial fees associated with your Account will continue to apply.


20. Cancellation of the Service

You may cancel the Service by calling 888-493-7266 or online. By canceling the Service, any pending transfers, will also be terminated, however any transfer that is in process cannot be cancelled by you. When you cancel the Service, you will no longer be able to access or use the Service and you will not receive a refund of Service fees, if any. When you cancel the Service, it will not cancel your other online services or your account relationships, if any, with us.


21. Right to Terminate Access

In the event (i) you violate any terms of this Agreement or any other agreement with us, (ii) there are unauthorized or fraudulent transactions related to any of your accounts with us, or the use of the Service, or (iii) we incur problems with your use of the Service, you agree that we may suspend or terminate your access to the Service at any time.

We may, in our sole discretion, at any time and without prior notice to you or other User, suspend or terminate:

  • the Service,
  • your ability to send or receive funds through the Service,
  • your ability to send funds through the Service, while continuing to permit you to receive funds through the Service,
  • your ability to request funds from another User, or ▪ your ability to receive requests for funds from another User.

22. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR ZELLE MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. WE AND ZELLE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR 8 OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. NEITHER WE NOR ZELLE WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.


23. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE, OUR OWNERS, DIRECTORS, OFFICERS AND AGENTS, ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK BANKS, BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR ZELLE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US, OUR OWNERS, DIRECTORS, OFFICERS AND AGENTS, ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK BANKS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).


24. Arbitration and Waiver of Class Action

To the extent permitted by the Federal Arbitration Act (the “FAA”) and any other applicable federal law, binding arbitration may be elected by either party with respect to any past, present or future claim or controversy arising out of or relating to this Agreement and/or a Credit Union account, even if that party has already initiated a lawsuit with respect to a different claim. Arbitration is elected by giving a written demand for arbitration to the other party, by filing a motion to compel arbitration in court, or by initiating arbitration against the other party. You and we agree, upon such written demand, motion or initiation, to submit to, and that such claim shall be settled by, binding arbitration. WE EACH AGREE THAT ANY AND ALL DISPUTES, WHETHER SUBMITTED TO ARBITRATION OR DECIDED BY A COURT, MUST BE BROUGHT IN THE PARTY’S INDIVIDUAL CAPACITY AND NOT AS A CLASS ACTION PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS. THERE SHALL BE NO RIGHT TO A JURY TRIAL. The arbitration hearing shall be conducted at a location within fifty (50) miles of your residence address at the time of such arbitration. The arbitration shall be conducted before the American Arbitration Association (the “AAA”), pursuant to the AAA Consumer Arbitration Rules, which can be obtained online at www.adr.org, OR by calling the AAA at 1-800-778-7879, or Wescom Central Credit Union will provide a copy of the Arbitration Rules via e-mail upon request submitted to mail@wescom.org.

The FAA and related federal law shall govern the interpretation, implementation and enforcement of this Paragraph to the fullest extent possible, to the exclusion of all otherwise potentially applicable state law, regardless of the location of the arbitration proceedings or the nature of the disputes or controversies between the parties to this Agreement. The arbitrator shall have the authority to award any monetary and non-monetary relief available to either party in an action otherwise prosecuted in court, including injunctive and other provisional relief. Nothing in this arbitration provision shall limit your or our right, whether before, during, or after the pendency of any arbitration proceeding, to exercise any self-help remedies, such as set-off or repossession and sale of collateral, or to obtain provisional remedies (including but not limited to, injunctive relief or interpleader relief). The exercise of such rights will not constitute a waiver of the right to submit any dispute to arbitration. Judgment on the arbitration award may be entered by any court of competent jurisdiction. The arbitration filing fee and the arbitrator’s fee shall be paid by Wescom Central Credit Union. However, the parties shall be responsible for their own costs of prosecuting and defending the claims in the arbitration, including attorneys’ fees.

THE ARBITRATION SHALL BE SOLELY BETWEEN THE PARTIES TO THIS AGREEMENT AND NO CLASS ARBITRATION OR OTHER REPRESENTATIVE ACTION MAY BE UNDERTAKEN BY THE ARBITRATOR.

Neither party will demand the arbitration of an action filed in small claims court, or its state’s equivalent court, for any claim or dispute within the scope of the small claims court’s jurisdiction. But if a claim is transferred, removed or appealed to a different court, such claim shall be subject to arbitration.

YOUR RIGHT TO OPT-OUT

You may elect to opt out of this Arbitration and Waiver of Class Action and Jury Trial provision by sending written notice to Wescom Central Credit Union at P.O. Box 7058, Pasadena, CA 91109 within sixty (60) days after you receive and/or execute this Agreement. Opting out of this arbitration provision shall not terminate the Agreement or otherwise affect in any way any of the other rights and obligations of the parties hereto under the terms of the Agreement.


25. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless us, our owners, directors, officers and agents, Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this Agreement.


26. Governing Law; Choice of Law; Severability

This Agreement, including all matters relating to the validity, construction, performance and enforcement thereof, shall be governed by the laws of the State of California to the extent not preempted by federal law. In addition, choice of law rules shall not apply where application of said rules would result in the application of a different state’s law. If any provision of this Agreement conflicts with the law under which this Agreement is to be construed or if any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of this Agreement and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.


27. Miscellaneous

Subject to the terms of this Agreement, the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our, our agent’s, or Zelle’s control. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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