WCF Offices Closed


WCF branch offices will be closed on Monday, September 1, 2025 in observance of Labor Day.  All transactions conducted after the close of business on Friday, August 29th will post on Tuesday, September 2nd.  Our offices will be resume normal business hours on Tuesday, September 2nd. 

 

 

 

 

Webster City Branch Hours Changing


On September 1, 2025 the Webster City branch hours will be changing.  Please see below on the home page for details.  The Independence and Tama branch hours will remain the same.

 

 

WCF Financial Bank
FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

Discover the New Look of Digital Banking!

Your Enhanced Digital Banking Experience Begins Now!

We’re excited to share that your online and mobile banking now feature a fresh new look and feel—designed to make your experience smoother, faster, and more intuitive.

Here;s what's new:

  • A modern, user-friendly interface
  • Streamlined navigation
  • Enhanced functionality and performance

Whether you're checking balances, paying bills, or transferring funds, you’ll notice a more personalized and efficient experience—right from your device.

As always, thank you for banking with us!

 

Built for the way you want to bank

Our new and improved system will offer all the tools you need to achieve your financial goals and meet your everyday banking needs wherever you go.

Logging in for the first time

you can access your upgraded online and mobile banking using your existing User ID and Password.

On your first login:

  • Choose to receive a one-time passcode via text or phone call
  • Enter the passcode where prompted
  • Hit Submit to securely complete your login

This quick verification step ensures your account stays protected while giving you seamless access to the new experience.

IMPORTANT:  

You should be aware of these key reminders when logging into the new system for the first time:

  • If you can't remember or are unsure of your User ID, please contact us at (866) 263-0293 for assistance.
  • If you are unsure of your Password, you can easily reset it by selecting the "Forgot Password" option from the Online Banking login screen and follow the on-screen prompts. 

 

Can I use the same Username?

This is a qualified "yes".  Please see below for details.

  • If your existing Username is less than 9 characters, you will need to change it.  Once you are logged in for the first time with your existing Username, you will be prompted to create a new Username that's at least 9 characters long but not more than 26 characters.  Your new Username can be made up of letters, numerals, and special characters (~!@#$%^&*()_+-={}|:;?,./).  NOTE:  Your new Username cannot contain either your first or last name.  
  • If your existing Username contains your first and/or last name, and is greater than 9 characters in length, you may continue to use it temporarily.  Once you make any changes to your profile (password, address, email address, etc.) OR you call and ask the bank to reset your password, you will be required to create a new username that does not include your first or last name.  Your new Username can be made up of letters, numerals, special characters (~!@#$%^&*()_+-={}|:;?,./) and should contain between 9 and 26 characters. 

NEW Mobile Banking App

Exciting news—our Mobile Banking app just got a refresh! Here's how you can get started with the new version:

Through our Current Mobile Banking App

Open our current app, and you will be redirected to download the new app. Once downloaded, login with your existing User ID and Password as noted above, then delete the old app.

OR

Direct Download

Search for WCF Bank Mobile in your device’s app store and download the new app. If you prefer, you can click on one of the links below to be taken directly to our app in the app store.  Login with your existing User ID and Password, as noted above. Once the new app has been downloaded, please delete the old app.

NOTE: If you previously used biometrics to login, you will need to re establish this feature within the new app.

iOS: Download on the App Store Android: Get it on Google Play

Helping You Navigate the Change: Q&A

What are the requirements for Usernames and Passwords?

  • Username:  Usernames must be between 9 and 26 characters in length and may be made up of letters, numerals, and special characters (~!@#$%^&*()_+-={}|:;?,./).  The Username is NOT case sensitive.  The Username cannot include the users first or last name.  
  • Passwords:  Passwords must be between 9 and 32 characters in length.  They must contain all of the following:
    • A lowercase letter (a-z)
    • An uppercase letter (A-Z)
    • A numeral (0-9)
    • A special character (~!@#$%^&*()[]{}<>_+-=/|.,:;`'"?).

I've created banking alerts.  Will they transfer to the new service?

No, alerts settings will not transfer.  Users will need to make note of their current alerts before August 24, 2025.

I've created some controls for my debit card(s) in the Mobile Banking app.  Will these be transferred to the new service?

No, users will need to set up new card controls again in our new Mobile Banking app. 

I currently have recurring internal transfers set up.  Will these carry over to the new service?

Yes, any recurring internal transfers will automatically carry over in their current configuration. If you wish to make changes to these transfers within the new service, you’ll need to delete the existing transfer and set up a new one with your updated details.

I currently use the External Transfer product.  Will these carry over to the new service?

No, existing External Transfers and associated history will NOT be transferred.  Users will need to print or save a copy of their history for their records before August 24, 2025.  Users will then need to set these up again in the new system.

Will my BillPay transactions process during this change?

Yes, all BillPay transactions scheduled prior to 7:00 AM on Monday, August 25, 2025 will be processed as usual.  However, new BillPay transactions will NOT be able to be scheduled from this time until we go live on the new system at 9:00 AM on Wednesday, August 27, 2025.

I have created some BillPay payees, will they transfer to the new system?

Yes, any BillPay payees that you have created will transfer over to the new system. 

Can I still transfer money with Zelle during this change?

No, Zelle will be unavailable to send or receive money from 7:00 AM on Monday, August 25, 2025, to our going live on the new system at 9:00 AM on Wednesday, August 27, 2025.  

I can't remember my password, what do I need to do?

You no longer need to call the bank for help. Just click the "Forgot Password" link and follow the easy prompts—anytime, day or night. It's quick, secure, and puts you back in control.

I'm locked out!  What do I need to do?

You no longer need to call the bank for help. Just click the "Forgot Password" link and follow the easy prompts—anytime, day or night. You will be automatically unlocked AND you can update your password.  It's quick, secure, and puts you back in control.

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