FAQ | Convenience Banking

Online Banking | Bill Pay | Online Statements | Mobile Banking | Mobile Deposit | Apple's Touch ID TM

Online Banking

Q: Is it possible to transfer from one bank to another?

A: Yes. Any External Account that has previously been validated will be available in the transfer drop-down menu.

Q: How do I set up an External Account?

A. Log into Online Banking and go to Settings > Accounts and select Link an External Account . Add the external bank information and click Save. Trial deposits and a withdrawal will be sent to your external account. To verify the trial deposits of a new external account, go to the Dashboard page in Online Banking and click Confirm on the notification. Once confirmed, you can start transferring funds between your Wauchula State Bank account and your external account.

Q: What are the fees for an external transfer?

A: $2 per transfer from Wauchula State Bank to your external account. There is no charge when transferring to Wauchula State Bank from your external account.

Q: If I get a temporary passcode, how long do I have to change it?

A: Your temporary passcode is good for 24 hours and must be changed in that time.

Q: Is my Username or Password case sensitive?

A: Usernames are not; however, passwords are case sensitive.

Q: How do I reset my Password?

A: Simply enter your username and click Log In. Next click on the Forgot Password link located next to the password area and follow the on-screen instructions. Or, you may call Customer Care at 863-773-4151. Your password is case sensitive, must be at least 8 characters long, contain at least 1 numeric, 1 uppercase letter and 1 lower-case letter.

Q: Can I pay off my loan on Online Banking?

A: No. This will need to be done by a loan secretary or teller.

Bill Pay

Q: How do I enroll for Bill Pay?

A: Bill pay is automatically available to all eligible online banking customers. Simply click on the Bill Pay widget and accept the Bill Pay Terms and Conditions.

Q: Who can I pay through Bill Pay?

A: Almost any person or company you would normally mail a check to as long as it is payable in the United States. We recommend that payments to government agencies, such as your property taxes, etc. not be paid via Bill Pay.

Online Statements

Q: What are Online Statements?

A: Online Statements are the electronic version of the paper statements you receive periodically for your checking and savings accounts. It includes the same information that is included in your paper statement, including canceled check images, legal notices and the back page of your statement.

Q: How many statements are available through Online Banking?

A: You can currently access up to two years of statements via Online Banking.

Mobile Banking

Q: What is Wauchula State Bank Mobile Banking?

A: Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds between your Wauchula State Bank accounts and/or accounts you have at other Financial Institutions, submit bill payments and P2P transfers, view check images, and find nearest ATM or branch locations.

Q: How do I install the downloadable application?

A: If you are an iPhone or Android user, go to the App Store or Google play and search for Wauchula State Bank to download the Wauchula State Bank Mobile Banking application. Or, for your convenience, you can click on the respective icon below to quickly locate the app.

Q: How much does this service cost?

A: There is no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Q: Is it secure?

A: Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Username and Password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Mobile Web banking or Mobile Application session has ended. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling Customer Care at 844-287-4225 during regular business hours. Click here for more mobile banking security tips.

Q: Which wireless carriers are supported?

A: We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon (Alltel), US Cellular, Virgin Mobile. If your carrier is not listed above, please contact us at 844-287-4225 during regular business hours for assistance.

Q: Do I need a text message or data plan?

A: Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

Q: I'm not enrolled for Online Banking. Can I still use this?

A: Yes you are able to register for Online Banking using the Mobile Banking app. Simply download the app and click Sign Up Now . Or you may visit the website using your mobile device.

Q: Is Mobile Banking available for businesses?

A: Yes, Mobile Banking is available to the company’s Master User as well as all Sub-Users. Sub-Users will have the same access they have within Online Banking.

Q: Are Mobile Banking transactions processed immediately?

A: Yes, account transfers and loan payments initiated through mobile banking are processed in the same manner than account transfers and loan payments initiated through Online Banking.

Q: Is there a transfer limit on transfers between my Wauchula State Bank accounts?

A: Yes, the transfer limit is set to $1,000,000 per transaction, however, there is no daily transfer limit.

Q: Is there a limit on the number of payments made through Mobile Bill Pay?

A: No, there are no limits on the number of payments made through Mobile Bill Pay.

Q: Can I set up new Bill Pay Payees through Mobile Bill Pay?

A: No, for security reasons, any new Payee will need to be added through Bill Pay within your Online Banking service at this time.

Q: Are bank-to-bank transfers available on Mobile Banking?

A: Yes, however, they have to be set up and approved within Online Banking first.

Q: Are check images available on Mobile Banking?

A: Yes, images are available on Mobile Banking.

Mobile Check Deposit

Q: What is Mobile Check Deposit?

A: With Wauchula State Bank’s Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.

Q: How do I start using Mobile Deposit Capture?

A: Access your Wauchula State Bank iPhone or Android app and click on 'Deposit Check'. Please note you must be eligible to use this service.

Q: Why am I unable to deposit my check?

A: Some reasons why your check may not be accepted through Mobile Check Deposit are:

  • The check has already been submitted
  • The type of check is not accepted
  • Check is of bad quality (torn, folded, etc)
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement

Q: Can I deposit any kind of check through Mobile Deposit?

A: Wauchula State Bank will review the deposit and reserves the right to reject a deposit. Certain types of checks will not be accepted through Mobile Check Deposit. Please refer to the Mobile Deposit Terms and Conditions for a full list of checks that will not be accepted. That list includes, but is not limited to the following:

  • Third Party Checks
  • Checks drawn on accounts at foreign financial institutions
  • Tax Refund Checks
  • Returned Checks
  • Sweepstakes Checks
  • Checks Payable to Cash
  • Lottery Checks
  • Over-the-Counter Checks

Q: What is the dollar limit I can deposit per day for each eligible account?

A: Please call Customer Care at 844-287-4225 Mon. through Fri. 8 a.m. - 5 p.m. EST, Sat. 8 a.m. - Noon EST for assistance.

Q: Is there a fee to use Mobile Deposit?

A: Wauchula State Bank does not currently charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply. Per item fees may apply for commercial mobile check deposit customers.

Q: What do I do if a deposited item is returned?

A: Do not rescan the original check. Please take the returned items into a branch for redeposit or call 863-767-5016, Monday through Thursday, from 8 am to 5 pm and Friday, from 8 am to 6 pm for assistance.

Q: What do I do with my checks after I make a deposit?

A: It is recommended that you keep the original checks for 7 days. Store the checks in a secure location, and do not attempt to redeposit them. Wauchula State Bank may request the original check. After 7 days we recommend that you safely destroy the deposited checks.

Q: Who can I call with questions?

A: Please call Customer Care at 844-287-4225 Mon. through Fri. 8 a.m. - 5 p.m. EST, Sat. 8 a.m. - Noon EST for assistance.

Apple's Touch ID TM

What is Touch ID?

Touch ID is Apple’s fingerprint authentication technology. You will be able to choose if you want to use a fingerprint instead of your username and password to access your Wauchula State Bank mobile banking app. 

What devices can Touch ID be used on?

Touch ID is an Apple specific feature. Currently Touch ID is available for iPhone 5s and higher, running iOS 8 or above. The mobile app also supports the fingerprint ID for Android users.

How does Touch ID work?

Touch ID allows you to log in to the Wauchula State Bank mobile app with fingerprints that are enabled on your mobile device. Once Touch ID is enabled for the mobile app, you place your finger on the home button and the device “reads” the fingerprint to confirm it is an authorized fingerprint. When your fingerprint is confirmed, you are automatically signed on to the app. 

Does Touch ID prevent other users from getting into my account?

When you enable Touch ID log on, any fingerprint stored on your device – now or in the future – can be used to log on the Wauchula State Bank app. You should only enable Touch ID if you are the only person who has registered fingerprints on your device. You can add or remove fingerprints in your device settings. You can disable Touch ID at any time in the Settings menu of the Mobile Banking App.

How can I enable Touch ID?
  • If you already have Touch ID enabled on your device, you will be prompted to set up Touch ID the next time you login to the Wauchula State Bank mobile app.
  • You can enable Touch ID from the Settings menu on the left panel of your Wauchula State Bank app.

Will Touch ID work if I don’t have fingerprints enabled for the Touch Id on my device?

No. Fingerprints must be added to your device within the Settings menu of your iPhone.

Will a password be required when using Touch ID?

No. Once Touch ID is enabled, your fingerprint is the only required login credential.

If the device doesn’t recognize my fingerprint, can I still access my account?

Yes. You always have the option to log in using the 4-digit PIN enabled at the time the fingerprint login was established, or simply click cancel when the app asks for your fingerprint and type in your Username and password.

What if my Touch ID enabled device is lost or stolen?

If your mobile device is lost or stolen, and/or you feel your log on credentials may have been compromised, please call Wauchula State Bank immediately. We also recommend that you contact your wireless service provider to have your device deactivated.

What if I don't want to use Touch ID anymore?

You can disable Touch ID in the Settings menu of the Mobile Banking App.