Question 1

Can I deposit a check via the mobile app?

Accepted Answer

Yes, we continue to support mobile photo deposit.

Question 2

Is there a limit to the amount I can deposit via mobile?

Accepted Answer

There is a limit of $50,000 per deposit and a $100,000 limit per day.

Question 3

Account opening—Can I make a mobile deposit for my initial deposit?

Accepted Answer

No, you can't make a mobile deposit as your initial account opening deposit of $25. You can fund your new WaFd account with a Debit or Credit Card, or Electronic Transfer from a bank account.

Question 4

When will the mobile deposit funds be available?

Accepted Answer

The first $275 is available immediately, and the remainder of the funds are available the following business day, excluding Federal Holidays (Monday-Friday). Accepted deposits before 3 PM PT on a business day will be credited to your account by 6 PM PT the next business day.

Question 5

Do I need the WaFd Bank mobile app to make a mobile deposit?

Accepted Answer

Yes, you need to use the WaFd Bank mobile app to make a mobile deposit. To download the mobile app, please go to the app store.

Question 6

Do I need to endorse or sign the back of the check when I make a mobile deposit?

Accepted Answer

Yes, you must also endorse your mobile deposit check just like a regular deposit.

Question 7

Can I make a mobile deposit to my WaFd Money Market or savings account?

Accepted Answer

Yes, you can use mobile deposit for your WaFd Savings and Money Market accounts.

Question 8

Do you offer mobile deposits on all checking accounts?

Accepted Answer

Yes, remote capture or mobile deposit is available on all WaFd Checking and Savings accounts.

Question 9

Can I make a mobile deposit via online banking?

Accepted Answer

No, you must use the WaFd mobile app to make a mobile deposit. To download the mobile app, please go to the app store.

Question 10

Do you offer mobile deposits for your business accounts?

Accepted Answer

Yes, you can make mobile deposits with our Business Treasury Accounts.

Question 11

Can I view my loan statements from online and mobile banking?

Accepted Answer

Yes, loan statements are available in both online and mobile banking.

Question 12

I was trying to add an external account and received the following message: "The routing number is invalid or not supported. Please check the ABA/routing number you have entered or enter a different ABA/routing number." What do I do?

Accepted Answer

While we are able to instantly verify many external banks in the US when an account is being added, some financial institutions are not supported. If you receive this message, we recommend using Zelle^® as an alternative which supports sending funds to email, phone, and account/routing number.

Question 13

What does Add Account do?

Accepted Answer

We are excited to share that you can continue to add accounts from your other banks to see all of your finances in one place. Once an account is added, you can easily view your balances and transactions from other banks inside the WaFd app.

Question 14

Can I provide feedback to WaFd from inside the app?

Accepted Answer

Yes! We are grateful for any feedback or suggestion you'd like to send our way. Simply navigate to the Menu and click Feedback.

Question 15

Will there be changes to the Loan Payment feature?

Accepted Answer

Yes, payments to your WaFd loan will now be visible as soon as you make the payment.

Question 16

What is "Hold: Visa Provisioni Visa Provisioning S CAUS" or "Token Provision"?

Accepted Answer

When you setup your WaFd Bank debit card in Apple Wallet, Google, or some other digital wallet application they will place a hold for $0.00 on your account. The hold will typically last for 72 hours and then will fall off your pending transaction list.
You may also see "Token Provision" under "Card on File" when managing your debit card. This indicates that your card is saved in a digital wallet.

Question 17

How far back does my transaction history go in the mobile app?

Accepted Answer

Currently, you can view transactions as old as those made in October 2023.

Question 18

What is a Pending Debit Transaction?

Accepted Answer

A pending debit transaction occurs when a debit card transaction has been authorized by the cardholder but hasn't been fully processed by the merchant or card issuer. It involves obtaining approval from the card issuer to ensure sufficient funds are available. The transaction amount is temporarily reserved, reducing the available balance but not yet deducted from the actual account balance. Pending transactions remain in a transitional state until they are completed, which usually takes a few business days. They may be labeled differently on account statements or online banking portals and can be canceled or modified before final processing. Once completed, they become completed debit transactions.

Question 19

What is a Pending Deposit Transaction?

Accepted Answer

A pending deposit transaction occurs when a deposit has been initiated, but has not been fully processed by the bank yet. While pending, the deposit temporarily increases the account balance but cannot be immediately withdrawn. The duration of the pending status varies, usually taking a few business days for the deposit to be fully processed and the funds to become available. Once completed, the pending status is removed and the funds are officially credited to the account for withdrawals or other transactions.

Question 20

How can I update my phone, email, and mailing address?

Accepted Answer

You can update your phone and email via online and mobile banking. To update your mailing address, contact your local branch or call our Client Care Center at 800-324-9375.

Question 21

How do I pay my WaFd Bank mortgage?

Accepted Answer

After logging in to the app or online banking, select Move Money, then Internal Transfer to pay from your WaFd account. You can also set up EZ-Pay to automatically pay from a WaFd checking account; visit a branch or call us at 800-324-9375 to set this up. For other loans, go to Bill Pay.

Question 22

Can I still use Zelle^®, Bill Pay, and External Transfers?

Accepted Answer

Yes, these services have been consolidated to one place for ease of use. Just tap Move Money and choose the one you'd like to use.

Question 23

Does WaFd Bank support Quicken and Quickbooks?

Accepted Answer

Yes, WaFd Bank supports Quicken and Quickbooks. To download Quicken files, clients will need to enroll in our Treasury Express tool on our business platform. You will be able to access your personal account via this Treasury tool. To request the ability to integrate your personal WaFd financial accounts, please visit our Quicken page and fill out the access form.

Upon receipt of your request, it will take 2-3 business days for us to setup your access. A WaFd Banker will send you an email with instructions on how to access Treasury and how to download Quicken files.

Question 24

Can I still access Rewards through the app?

Accepted Answer

Yes you can! The Rewards icon will be on the home screen of the app for easy access if you have a Rewards, Premium Rewards, or Interest Checking account.

Question 25

Can I still use tools like bubble budgets in the mobile app?

Accepted Answer

Some tools (including bubble budgets and view net worth) have been removed. If you created bubble budgets, they will no longer be available. We remain committed to making financial management easier, so stay tuned for new tools in the future.

Question 26

Can I still create a Quick Save transfer?

Accepted Answer

We no longer have a Quick Save tile, however, transferring funds can be done by navigating to Money Movement and submitting a transfer there. You can even set up recurring transfers to save automatically!

Question 27

How does Bill Pay work?

Accepted Answer

Watch this video for a quick overview:

Question 28

How do I reset my password?

Accepted Answer

You will need your username to reset your password. If you don't know your username, you can retrieve it here. After clicking the green Sign In button, choose Forgot Password. Enter your username, last name, Social Security Number, and your birthday. Then, you'll be sent a one-time verification code using either the phone number or email we have on record so we can verify it's really you. Enter the code in the next screen, hit submit, and then you'll choose your new password.

Question 29

How can I retrieve my username?

Accepted Answer

Simply choose Forgot Username after clicking the green Sign In button. You'll provide your last name, Social Security Number, and your birthday. Then, you'll be sent a one-time verification code using either the phone number or email we have on record so we can verify it's really you. Enter the code in the next screen, hit submit, and your username will be displayed.

Question 30

Having issues opening up online statements or tax statements?

Accepted Answer

If you are having trouble downloading a statement it may be due to a browser pop-up blocker, please try disabling it temporarily or adding wafdbank.com to your list of allowed sites.

To access your browsers pop-up setting please select from one of the approved WaFd Bank browsers below.

Question 31

How do I clear my browser cache and cookies?

Accepted Answer

Outdated cookies can cause loading and formatting issues, clearing them fixes certain problems.

Question 32

How do I turn off my browser pop-up blocker?

Accepted Answer

A pop-up blocker is any program that prohibits a pop-up at some point in time. This may consist of multiple internet windows, or actual pop-ups caused by coding on a webpage. Generally, pop-up blockers are installed to avoid pop-up ads from webpages. However, depending upon the pop-up blocker, they may block useful information as well. These could include option screens such as print and download options screens, or they could stop pop-ups which would confirm downloads or show a result to a page.

Mobile and Online Banking Frequently Asked Questions

Mobile Deposit

Using the WaFd Mobile App

Transactions and History

Loans and Account Information

Services, Tools and More

Troubleshooting

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