Credit Union FAQs

How is a credit union different from a bank?

A credit union is a cooperative organization owned entirely by its members and operated for the benefit of all who belong. Credit unions provide a wide range of financial services—just like other financial institutions. The difference is that credit unions are not-for-profit financial organizations whose earnings are passed on to members in the form of lower loan rates, fewer fees, and added or improved services.

Does the credit union provide the same services as banks?

Yes—and more. We offer a full range of options including lifetime membership, family membership, financial education, savings and investment accounts, checking choices, all types of loans, credit cards, and mortgage options. Plus, we offer convenient locations, lots of ways to do business with us, and friendly, reliable service.

How much does it cost to join?

There is no fee to join We Florida Financial. Simply open your savings account with a minimum $5 deposit. This represents your share of credit union ownership. As long as your $5 stays on deposit, you're eligible to benefit from any credit union service. But it's always yours to keep.

Can my family join?

Yes! When you open your We Florida Financial account, your immediate family and household members (spouse, children, stepchildren, siblings, parents, grandparents, and anyone in your household) are eligible to join the credit union.

How can I do business with you if there's not a branch nearby?

We make it easy to do business with us—wherever you live or work. Most transactions can be taken care of with a phone call to (954) 745-2400 or (800) 230-0200 (outside of Broward County). If you need to visit a branch, We Florida Financial is part of a nationwide shared branch network, which means you can conduct your credit union business at over 5,000 locations across the country. Also, all members are automatically enrolled in online banking with bill payment and the Call 24 automated phone system. Basic, Value and Encore level members get up to five FREE Presto ATM transactions per month at any Publix location!   Premium, Select and College Account members receive unlimited free Presto transactions.  You can conduct your credit union transactions without leaving the comfort of your home or office.

How long do I have to be a member to apply for a loan?

As soon as you join, you're eligible to take advantage of any credit union service. Applying for a loan is easy too. Apply online or by phone at (954) 745-2400 or (800) 230-0200 (outside of Broward County) and select option 4.

If I joined We Florida Financial through my employer and I leave the company, will I still be a credit union member?

Yes! Credit Union membership lasts a lifetime. Once you're a credit union member, you're always a member—even if you change jobs or move away.

General FAQs

How can I find out if a check has cleared, check my balance or amount of my direct deposit?

You can view/hear all of your account activity with Online Banking, the mobile app, and Call 24. You can also reach a We Florida Financial representative by calling MemberNet at 954-745-2400 or 800-230-0200 (outside of Broward County) and select option 3.

How can I transfer between accounts?

You can transfer money between accounts with Online Banking, the mobile app, and Call 24. You can also call MemberNet at 954-745-2400 or 800-230-0200 (outside of Broward County) and select option 3.

How do I place a stop payment on an item?

Stop payments on personal checks can be processed through Online Banking and Call 24. You will be asked to provide the check number, the exact dollar amount of the check to be stopped, and the payee. To request a stop payment through Online Banking, please logon to your account and click on the User Options tab, then select Stop Pay. Please Note: Stop payments cannot be placed on items that have already been presented. Stop payment orders are valid for six months, unless renewed in writing before the end of the six month period. Fees and other conditions may apply.

Can I receive my credit union statement electronically?

Yes, e-Statements are a free service and get to you faster than regular mail. Enroll in e-Statements now!

How can I sign up for Online Banking?

Go to the We Florida Financial home page. Click on LOGIN then click Enroll.

What does it take to open a checking or savings account?

If you are an existing We Florida Financial member, you can open additional accounts online or by calling MemberNet at 954-745-2400 or 800-230-0200 (outside of Broward County) and select option 3. If you would like to become a member of We Florida Financial, please see our Membership Page.

How do I reorder checks?

Click here to order checks.

Can I get a debit card and what are the charges?

All new We Florida Financial members are offered a debit card at account opening. Please see the fee schedule for current charges.

How long does it take to get a debit card?

Debit cards arrive in approximately ten business days.

What is the routing and transit number for We Florida Financial?

The routing number and transit number for all We Florida Financial accounts is 267078325.

Do you offer cashier’s checks?

Members can purchase cashier’s checks at any We Florida Financial branch location. Please refer to the fee schedule for the cashier’s check fee.

Do you offer money orders?

Members can purchase money orders at any We Florida Financial branch location. Please refer to the fee schedule for the money order fee.

How do I sign up for direct deposit?

Please provide We Florida Financial’s routing and transit number, 267078325, and your account number, to your employer. Please note that your Savings and Checking accounts have different suffixes, so be sure to include the correct account number with your direct deposit request. You may also request a direct deposit form by visiting any We Florida Financial branch location  or calling MemberNet at 954-745-2400 or 800-230-0200 (outside of Broward County) and select option 3.

What is your deposit / payment address?

Deposits and loan payments can be mailed to P.O. Box 1088, Ft. Lauderdale, FL 33302. The overnight delivery address is 1982 N. State Rd. 7, Margate, FL 33063.

How do I change my address?

Address changes can be processed through online banking. Go to Settings, then click on the Contact tab. Please note- All address changes are subject to final verification, and may take 1-3 business days to complete.

How do I obtain copies of cancelled checks?

Copies of cancelled checks can be obtained free of charge through online banking.

How do I send a wire transfer?

Wire transfer requests are completed in person at any We Florida Financial branch. The following information is required:

    Beneficiary (receiver’s) name, account number, complete physical street address
    Full name of the receiving financial institution, complete physical street address including city and state of the receiving institution   
    ABA routing number or European swift code   
    Special instructions pertaining to the wire transfer, if any

What are the instructions for receiving an incoming wire transfer?

The following information is required to wire funds to We Florida Financial:
            We Florida Financial
            1982 N. State Road 7
            Margate, FL 33063
            ABA Number 267078325
            For Credit to: We Florida Financial Member Name
            We Florida Financial Member Account Number

What are the fees associated with domestic wire transfers?

Please refer to the fee schedule for the domestic wire transfer fee.

What are the fees associated with international wire transfers?

Please refer to the fee schedule for the international wire transfer fee.

What is the minimum opening balance for a Certificate of Deposit (CD)?

The minimum opening balance for a Money Builder Certificate of Deposit is $500. The minimum opening balance for a Jumbo Certificate of Deposit is $50,000.

Can I add funds to an existing Certificate of Deposit (CD)?

Members may add funds to an existing certificate at any time, and the maturity date is not affected by additions. The minimum addition is $250.

When my Certificate of Deposit matures, how long do I have to renew the account, request a partial withdrawal or close the account?

A grace period gives members time to act without being subject to penalty. The grace period begins on the maturity date and lasts for seven (7) calendar days.

If the Certificate of Deposit is redeemed prior to the maturity date, what is the penalty?

Early withdrawal penalties are based on the original certificate term. If the original certificate term is 12 months or less, the penalty is 90 days of interest. If the original certificate term is over 12 months, the penalty is 180 days of interest. Penalties on partial withdrawals are calculated on the actual amount withdrawn, not on the total balance of the certificate. The minimum balance must remain in the certificate at all times.

Online Banking FAQs


How do I enroll in Online Banking?

From the home page of www.WeFloridaFinancial.com, click LOGIN located in the top right side of the page, then click Enroll.

What operating systems and browsers are supported?

Online banking supports the following browsers:

  • Google Chrome: Latest 2 versions
  • Firefox: Latest 2 versions
  • Internet Explorer: v11
  • Microsoft Edge: Latest 2 versions
  • Safari: Last 2 major versions
  • IOS: Last 2 major versions
  • Android: v5.0 and above

I have more Online Banking questions. What do I do?

Logon to your account in Online Banking and click HELP on the top right side of the page.

e-statements FAQs

How do I sign up to receive e-statements?

Log into your account in We Branch online banking. Click on Accounts, then click on the Statements tab.

How will I be notified when my e-statement is available?

You will receive an e-mail message notifying you that your e-statement is available. E-statements are normally available the first week of each month.

What are the benefits of e-statements?

Benefits include convenient 24-hour access to your month-end statements. Electronic statements are available earlier than paper statements.

Will I still receive a paper statement?

No, you will no longer receive your month-end statement by mail.

If I don’t like e-statements how do I change back to paper statements?

You can notify the credit union and we will convert you back to paper statements.

Will I have the ability to save or print my e-statement if needed?

Yes, you can save or print your e-statement.               

How much do e-statements cost?

E-statements are free.

What are the requirements in order to receive e-statements?

You will need Internet access (latest versions of Internet Explorer, Chrome, Firefox, or Safari) and Adobe Acrobat Reader 10 or higher.

Mobile App FAQs

Do I have to be enrolled in Online Banking to use the mobile app?

No, you can access the mobile app without accessing the desktop site.

What can I do with the mobile app?

The mobile app allows you to:

  • View account balances
  • View transaction history
  • Pay bills
  • Transfer funds
  • Receive text alerts

My phone doesn't have Internet access. Can I still use the mobile app?

No, you must have Internet access to use the mobile app.

How do I get the mobile app?

On your phone, go to the Google Play Store or Apple App Store and search for We Florida Financial.

Are there fees to use the mobile app?

The mobile app is free. You should contact your mobile provider for information about fees associated with sending or receiving text messages, or accessing the Internet from your mobile phone.

When does the mobile app become inactive?

The mobile app becomes inactive after 9 months with no use. To keep the service active, login and use the service regularly.

I have more than one account with We Florida Financial. Can each account be registered to use the mobile app?

No, the mobile app will support only one account.

Mobile Deposit FAQs

What is Mobile Deposit?

Mobile deposit is a service that allows members to deposit check items remotely using their smartphone.

Is the Mobile Deposit service free?

Yes, the service is free for members.  Members must be enrolled in e-Statements.

How do I enroll in the Mobile Deposit service?

Go to the mobile deposit page and complete the requested information.

How will I know the service is activated and ready for me to use?

Members will receive an e-mail notifying them their mobile deposit request has been approved.  Log in to the mobile app and the Deposit Check option will appear.

How will I access the Mobile Deposit service?

Open the mobile app and select Deposit Check.

Can I use mobile deposit with a mobile browser?

No. Mobile deposit is only available through the mobile app.

Will I have the ability to view my transactions made using this service?

Yes, click on Deposit Check and then Activity.

How will I know if I already deposited an item?

Click on Deposit Check and then Activity to view items previously deposited.

Can I shred the check item once it has been transmitted for processing?

Yes, but we recommend you don’t shred the check item until the funds are posted to your account.

If I have any other questions regarding the Mobile Deposit service, who do I contact?

Members can email This email address is being protected from spambots. You need JavaScript enabled to view it. or call MemberNet at 954-745-2400 (select option 3 from the main menu).