Help & Contact

1. Sign into CU Online
2. Click on the "Bill Payer" link in the Move Money box next to the Accounts box
3. Accept the disclosures and proceed

Yes, however, any payment changes or cancellations must be received in Bill Payer before the payment begins processing.

Yes! Simply click the AutoPay link under individual payees to prevent missed payments.

• AutoPay: You can set up automatic payments according to your preferred schedule (weekly, monthly, semi-monthly, etc). You can change or cancel AutoPay at any time.
• AutoPay for eBills: You can set up some eBills to be paid automatically according to options you select. You can change or cancel AutoPay for eBills at any time.

Account history for Bill Payer transactions will be stored and available for 84 months, or 7 years. You can find this information under the Activity tab.

If the bill is paid electronically, Bill Payer will re-attempt an electronic payment within 24 business hours if the first attempt results in non-sufficient funds (NSF). If a bill is paid by paper check, the check will be returned as non-sufficient funds (NSF). The payee’s bank may resubmit the check for payment. Each time an item is presented for payment and funds are not available, a NSF fee will be charged to your account.  

Yes, please notify Wings if you are traveling internationally:

1. Log into CU Online
2. Click on the "Manage My Cards" tab under the "Accounts" menu
3. Click on the "Go to Card Details" button
4. Click on "Travel Notifications"

Please fill out the form information requested.

Members who apply for and receive the new Wings Member Rewards Visa^® Signature Credit card will be automatically enrolled in Member Rewards.

To begin earning rewards with your Wings Visa Debit card, you must first enroll via CU Online or the Wings Mobile app.

Suspending your card will prevent it from being used for any transactions, including ATM deposits and withdrawals, preauthorized autopayments, and in-store and online purchases.

Yes, depending on the term length of your Certificate, the following penalties will apply:

• Term less than 24 months = Loss of amount equivalent to 6 months’ dividends (180 days)
• Term 24 months or greater = Loss of amount equivalent 2 years’ dividends (730 days)

Yes.

Members will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Yes, you can change your checking account to the High-Yield Checking account. Your cards and account numbers will remain the same.

You can open an account online by clicking the links below or at one of our branch locations.

Open a First Class Checking account
Open a High-Yield Checking account
Open a Student Spend Checking account

Dividends are paid monthly.

Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000.

The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

High-Yield Checking accounts are not eligible for Wings Members Rewards. If you currently have a First Class Checking account and want to change it to a High-Yield Checking account, you need to use your points before making the change.

This applies to members who use rewards for the debit card only. Reward points will not be affected if you also have a Wings Member Rewards Visa credit card.

Yes, you may setup Overdraft Protection with a Savings account or Line of Credit.

To earn the higher dividend rate, members must meet the following requirements:

• Must be enrolled in eDocuments
• Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month
• Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

A transaction is a PIN or signature point-of-sale purchase of over $5 in the 34 calendar days preceding the last business day of the month.

The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Be sure that only one contactless device (say, your contactless card or mobile-payment-enabled phone) is near the terminal at one time.

Most contactless payments, including contactless Visa cards, Google Pay and Apple Pay, use the same NFC (Near Field Communication) technology.

Samsung Pay, however, works with both NFC technology and MST (Magnetic Secure Transition) technology, which can be used anywhere you can swipe.

You can still pay by inserting or swiping your card as usual.

All new and reissued cards come contactless enabled.

No, you are automatically signed up for Automated Fraud Alerts with a Wings Visa^® Credit or Debit Card.

Fraud Alerts are an innovative technology that allows you to respond quickly to digital voice messages, SMS text messages and/or emails to confirm the validity of suspicious transactions.

Automated Fraud Alerts follow the standard guidelines for Fraud Detection Services. Fraud Alerts are attempted between the hours of 8am and 9pm in the member’s time zone. Inbound calls are accepted 24 hours a day, 7 days a week.

The SMS texts for fraud alerts will come from 91937.

The blocking of your card number depends on transaction(s) in question. Automated Fraud Alerts is simply another communication channel and it does not change the process already in place with Fraud Detection services today.

Yes, Wings offers two different rewards cards depending on your needs:

The Wings Member Rewards Visa Signature^® Card for when you want premier card benefits, with flexible reward options and a low, variable rate:

• 2 points for every $1 spent and 10,000 bonus points after spending $1,000 within the first 90 days.
• $5,000 minimum credit limit

The Wings Member Cash Rewards Visa Signature Card for when you want a premier card, with cash-back rewards and a low, variable rate:

• 1.5% cash-back rewards, $100 bonus after spending $1,000 in the first 90 days.
• $5,000 minimum credit limit

For more information on our Member Rewards platform, please visit this page.

To apply for a Wings Visa^® Credit Card

1. Please visit our Credit Cards page
2. Take a look at the comparison chart to see which card is best for you and then click the link below the card details to be taken to that product page
3. Click on the "Apply Now" button to begin the application process

Credit card payments can be paid by a few different ways:

1. Use "Transfers/Payments" under "Move Money" in CU Online
2. Through "Transfer Money" in the Wings Mobile App
3. Over the phone by calling 800 692-2274 where a Member Service Representative will be able to assist you
4. By mailing payment to:
   
   Wings Credit Union
   Attn: Credit Card Payments
   14985 Glazier Avenue, Suite 100
   Apple Valley, MN 55124

Yes, there is a cash advance fee of $10 or 2% of the cash advance amount (whichever is greater).

Credit score reports will be updated on a quarterly basis, in March, June, September and December.

No. A change in your credit score will not impact existing credit accounts. However, it could influence the rates you are offered on future applications for credit.

Credit scoring models weigh many different factors, including the mix of types of accounts, the number of accounts you have and the length of time you've had them.

First, enroll in credit score reporting. Once you have enrolled:

• On the Wings Mobile app, tap "Credit Score" on the side menu.
• In CU Online, select “Member Services” on the top menu and then under “Benefits,” select "Credit Score."

It's important to recognize that the various scoring models use slightly different criteria to determine your credit score. Newer models like VantageScore 4.0 are designed on the most recent timeframe and represent current consumer and lending practices. More data is incorporated to give a more complete picture of your credit standing. Also:

• Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.
• If your score declined to an extent that you think lenders will offer you poorer terms and higher rates:
  • Examine the reason codes provided with your score to understand which behaviors are causing the decline.
  • Consider using a credit monitoring tool that provides recommendations for improving your score.
  • Check your credit reports for accuracy.

No. The reports pulled for this are called “soft” inquiries. Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender.

A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer members comprehensive financial services at very competitive rates and terms. And, we do it with the personal attention our members deserve.

Unlike banks, credit unions are member-owned financial cooperatives; so when you join Wings Credit Union, your initial $5 deposit to open a Share Savings account establishes your membership and makes you a part-owner. 

Since there are no outside bank stockholders to satisfy, Wings passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees and higher yields on savings and checking.

Yes, Custodial Share Savings accounts earn quarterly dividends.

A parent or guardian opening a Custodial Share Savings account will need to provide the minor child's Social Security Number or Taxpayer Identification Number.

Once the child reaches majority age, it is the responsibility of the custodian to close the account and transfer funds to the child.

Either the minor child or custodian may make deposits, but only the custodian may withdraw funds.

Yes, you may use your Wings Visa^® Debit Card, but we cannot guarantee that it will work for every transaction, as international merchants use varying forms of payment acceptance.

Our recommendation would be to use our Wings Member Rewards Visa Signature^® Credit Card or the Wings Member Cash Rewards Visa Signature Credit Card. These cards comes with built-in chip technology allowing for enhanced fraud protection and more flexibility while traveling internationally, as well as no foreign transaction fees

To change your PIN, login to CU Online and select "Manage My Cards". visit one of our convenient branch locations, or change it at any Wings ATM.

(Please note that in order to change your PIN at an ATM, it must be a Wings ATM.)

Your PIN acts a signature when you use your debit card for point of sale transactions and to withdraw cash from an ATM.

For security reasons, you should keep your PIN number to yourself, when the number is used we think that you made the transaction.

If you forgot your PIN you can select a new PIN with "Manage My Cards" in CU Online or by visiting any branch location (photo ID required for security security purposes).

Call Member Services at 1 800 692-2274 to have one ordered for you.

We have a vast ATM network called the STAR, CO-OP, Allpoint/Cardtronics that will allow you to withdraw funds without being charged a fee all over the country!

Easily find an ATM within our surcharge-free ATM network - over 80,000 nationwide!

1. On the right-hand side of the Wings website, click on the "Sign In" button
2. Enter your Wings ID and password into the field boxes and click the "Sign In" button

1. In the upper right on the Wings website, click on the "Sign In" button to show the dropdown
2. Click on the "New User" link
3. Fill out the requested information

If you do not know your password, select the "Forgot Password" option on the CU Online sign in screen and follow the verification instructions.

1. Your account statements
2. Your Wings Membership ID card
3. Your Wings ID is in the welcome letter emailed from Wings via DocuSign if you joined online.

If you have been locked out of CU Online you must contact a Member Service Representative at 952 997-8000 so we can unlock your account.

For your security we will lock out anyone who is unsuccessful in multiple attempts to log into your account. We want to verify that it is you who is trying to access the account and will ask personal information to reset the account login information.

1. Open the Wallet(r) app and tap the + symbol.
2. Scan your Wings Visa(r) debit or credit card & verify details.
3. Review & agree to Terms & Conditions.
4. Choose a verification method: text, email or phone. (If you select text/phone, it may verify automatically.)

Need help? Call 1 800 692-2274.

1. Open the Samsung Pay App
2. Touch ADD or, if this is the first payment card being added, touch Add a credit or debit card.
3. Using the camera, align your card inside the frame to automatically detect the card number and expiration date.
   (If your camera cannot detect the card details, select "Enter card manually" to fill in the details.)
4. Fill in the remaining information and select "Next"".
5. If requested, enter your billing address and select "Save".

Open the Google Pay app and touch the plus sign in the bottom right corner, Touch Add a credit or debit card, use the camera to capture your card or manually enter the information.

If the information in your Apple account is different than what is on file with Wings, you may have to verify it is you requesting Apple Pay™. This is just an extra security step from Apple.

Simply have your card available, call the provided number, and we will work with you to verify your card. Once verified, Passbook will send a message letting you know that you may use Apple Pay.

There is an account management fee of 0.6% per year (or 0.05% per month) of the value of your investments, with a minimum fee of $0.50 per month. Other fees may apply for certain transfer specific services, such as a $0.25 fee for each withdrawal to transfer funds from EasyVest to a Wings account; a complete list of fees is provided upon account opening.

Not at this time. EasyVest investments are currently only for individual investors. Joint access may become available in the future.

You can set up a recurring transfer (up to a maximum of $5,000) on a daily, bi-weekly, monthly or quarterly basis.

You can switch your portfolio by updating your profile. Go to the Settings page, click "Update Preferences" to update your preferred risk tolerance and time horizon to receive a new portfolio recommendation.

Yes, beginning 30 days after opening your account, you can withdraw some or all of your investment funds at any time via "Transfer & Payments."

Simply log into the Wings Mobile app and select EasyVest. From there, you can access your portfolio overview, transactions, eStatements and account settings.

1. Log in to Mobile Banking, navigate to EasyVest and select "Get Started."
2. You'll be guided through a series of questions to identify the type of account you're looking to open, your timeframe, goals and preferences.
3. Then using data-driven algorithms, EasyVest will suggest a diversified portfolio tailored to your goals, risk tolerance and timeline.
4. If you agree with the suggestion, you will fund the new investment account by a transfer from an existing saving or checking account.

It’s important to understand that any investment the involves risk of loss. Portfolios managed within EasyVest are re-balanced monthly to maintain the level of risk that align with your investment goals.

Investment accounts are not protected against loss by any type of insurance. Accounts at DriveWealth, LLC (the broker-dealer), are insured by the Securities Investor Protection Corporation (SIPC), which protects investment accounts should DriveWealth encounter financial difficulty. SIPC insurance does not protect against loss due to market declines.

The minimum initial deposit required to open an investment account is $200.

Some funds' market values may increase or decrease more than others. Rebalancing is the process of adjusting the proportions of various securities in your account to ensure that they remain aligned with your goals.

EasyVest offers a range of different portfolios, composed of lower-cost, broad-index passive “exchange traded funds” (ETFs). Portfolios contain from 4 to 10 Index ETFs, diversified to meet your time horizon, risk tolerance and investment goals.

Each ETF is a diversified investment that may hold a variety of stocks and/or debt securities, depending on the fund's strategy. Your portfolio may also include some cash.

The IRS only requires us to report dividends earned if it was over ten dollars, so if you earned less than that in dividends, you would not receive a 1099-INT.

Dividends earned for the prior year are available through CU Online in the eDocuments section or you are welcome to give us a call at 1-800-692-2274 and we can discuss your account.

1. Sign into CU Online and select “Statements”
2. Review the disclosure and click “Accept”. You’ll see your current statement right away, with up to 36 months of previous statements.

1. Log into CU Online
2. Click on "Statements" in the top menu.

You should see PDF links to your available tax documents.

Account statements; Tax documents like 1098s, 1099, and 5498; account notices.

• Anyone who lives or works in an eligible Minnesota or Wisconsin county.
• Anyone who works in or has retired from the aviation industry nationwide
• Anyone who lives or works in the Seattle-Tacoma, WA metro area
• Anyone who lives or works in an eligible Michigan county
• Anyone who lives or works in an eligible Florida county
• Individuals who are members of the Wings Financial Foundation
• Immediate family members of a current Wings member.

•   Wings’ services are built around your needs, not ours.
•   We take pride in treating you like an individual, not an account number.
•   Wings is a not-for-profit institution, where members are co-owners. You benefit from our success in the form of better rates and fewer fees.

With Wings, you can get pre-approved before you start looking for your home, so you'll know how much you can afford.

Down payment requirements may vary by loan type. Wings offers more flexible options for first-time homebuyers. Learn more about programs for first-time homebuyers here. 

An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.

Learn more about how escrow is used in a mortgage loan.

PMI is typically required if your down payment is less than 20% of the home's value. It is designed to protect the lender in case you stop making payments on your loan.

Yes, closing costs can range from $50 - $3,000.

You may transfer available funds from your line of credit to your checking account in CU Online or on the Wings Mobile App.

A portion of your interest may be tax-deductible (consult your tax advisor).

Making interest-only payments during the draw period can offer a lower monthly payment over that time than if you were paying on the principal plus interest. Only available for lines approved with 80% loan-to-value (LTV).

No, there are no closing costs on a Home Improvement Loan.

You can borrow up to $50,000 with a Home Improvement Loan.

A Home Improvement Loan is a one-time installment loan at a fixed rate, providing a single lump sum and predictable monthly payments over the loan’s term. The loan is not secured by a dwelling.

A Home Equity Line of Credit is a revolving, variable-rate line of credit you can draw on as is needed, over a time frame of up to 10 years.

Not at this time.

Currently you can only order and pickup foreign currency through Wings.

To make an external transfer:

1. Log into CU Online
2. Click on the "Move Money" link at the top and select "External Accounts"
3. Transfers can only be made to and from your accounts at other financial institutions, and while external transfers are available nationwide, they are not available to international financial institutions.

Please note: Members must go through the small deposit verification prior to being able to transfer the funds.

If you are reordering Wings checks, you can place your order one of two ways:

1. Log into CU Online and click on the ""Member Services"" link in the upper right. Next, click on the "Order Checks" link on the right-hand side under Account Services.
2. Reorder checks here from our provider, Harland Clarke. You will need your check reorder slip (found in your last box of checks) or a check. Enter the unique Reorder Identification Number and the start number listed on your reorder form. If you do not have the Reorder ID, you can also reorder checks by entering information found on your check.

Most currencies will arrive the next business day when ordered before the cutoff time, but due to high demand please allow for an additional 2-3 days for your order delivery.

• Skip-a-Pay allows you to defer your next payment on eligible loans (a convenience fee will apply). Learn more about Skip-a-Pay.
• If you need further support, our Hardship Assistance program may be an option for you. Learn more about Hardship Assistance.

Please visit our hours and locations page to find the hours of operation of a branch near you!

2023 Holidays:

New Year’s Day - Monday, January 2

Martin Luther King Jr. Day - Monday, January 16

President’s Day - Monday, February 20

Memorial Day - Monday, May 29

Juneteenth National Independence Day - Monday, June 19

Independence Day - Tuesday, July 4

Labor Day - Monday, September 4

Wings Day of Service - Monday, October 9

Veterans Day - Saturday, November 11

Thanksgiving Day - Thursday, November 23

Christmas Day - Monday, December 25

Currency can be ordered any time during normal business hours, but for next- business-day delivery, orders must be placed by 2:30 p.m. CST, Monday through Friday.

Due to high demand, please allow 2-3 days for your delivery order.

Wings Credit Union's ABA/Routing number is 296076152.

Easily find an ATM within our surcharge-free ATM network - over 80,000 nationwide!

We assist members with their foreign currency needs.

Non-members are not eligible for foreign currency exchanges or pickups.

IRAs are Individual Retirement Accounts.

When Social Security and pension plans are not enough to maintain your standard of living at retirement, an Individual Retirement Account (IRA) can be an excellent investment. Both the Roth and traditional IRA offer a number of benefits, depending on your current financial situation.

• Traditional IRAs allow you to defer taxes on your contributions' earnings until they are withdrawn.
• Roth IRAs allow only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five-year holding period.
• Coverdell Education Savings Accounts (CESA) are non deductible accounts that feature tax-free withdrawals for a child's education expenses.

Available at branch locations or by mail.

Traditional IRA Application

Roth IRA Application

Supporting Financial Education The Wings Financial Foundation is a 501(c)(3) nonprofit organization that provides youth and adult educational programs to fulfill a growing need for financial literacy at every age. The Foundation also administers a number of scholarship opportunities to support members' higher education. Contributions to the Wings Financial Foundation go directly to support these educational initiatives.

Wings Membership Eligibility
The Foundation also offers the opportunity for Wings Credit Union membership to individuals who do not qualify through their employment or community membership eligibility. These individuals may take advantage of the money-saving benefits of Wings membership with a minimum $5 donation to the Wings Financial Foundation.

Yes, although rewards eligibility is dependent upon the travel merchant.

No.

Please contact the airline, hotel or car rental merchant directly for any changes to your travel itinerary.

Your statement credit will be processed within 2 business days of the day on which your travel reservation was booked.

Yes, the top-up amount charged to your credit or debit card will be treated as a normal purchase and can earn points according to the standard eligible transaction requirements.

When canceling a booking or requesting a refund for a portion of your travel booking, you will work directly with the travel merchant, as your booking is associated with your Wings credit or debit card. The timing of point refunds will depend on how quickly the travel merchant processes and issues your refund.

For the best travel experience, it is required that your booking be tied to your Wings credit or debit card. This will allow you to work directly with the airline, hotel or rental car merchant if you need to alter or cancel your itinerary. Once the booking has been completed, Wings will issue a statement credit back to your account in the equivalent amount to the points you redeemed.

It's easy! 

1. Log into CU Online.
2. After logging into CU Online, click on the "Rewards" link in the upper-right.
3. Select "Redeem Points" (the button located under your points total) which will take you to the Wings Member Rewards page.

From there, you can browse rewards and redeem points for your choice of travel, popular gift cards and name brand merchandise through the Member Rewards site.

Please note: Ensure you have popups allowed for CU Online before clicking "Redeem Rewards". After clicking, a popup will attempt to open that will bring you to the Rewards site.

The Wings Member Rewards program is a points-based loyalty platform that rewards you for using Wings’ products and services. Earn points by using your enrolled Wings Visa® Platinum Card or the Wings Member Rewards Visa Signature® Credit Card.

If you have both of these cards, your points pool together for maximum rewards!

Your booking will post to your account before the statement credit is issued.

Depending on your card, there are two potential scenarios:

1) Members who apply for and receive the Wings Member Rewards Visa Signature^® Credit card will be automatically enrolled in Member Rewards.

2) Members who have a Wings Visa Debit card must first enroll via CU Online:

1. Log into CU Online
2. Click on the ""Rewards"" link in the upper right
3. Enroll your Wings Debit Card

The Wings Member Cash Rewards Visa Signature and Wings Visa Platinum credit card are not a part of the Member Rewards platform at this time.

• Make sure your deposit amount doesn't exceed your deposit limits
• The picture of the check should be taken on a dark background with good lighting
• Personal checks with standard formatting work best for mobile deposits

With Wings, you can get pre-approved before you start looking for your home, so you'll know how much you can afford.

Get started on the pre-approval process

Down payment requirements may vary by loan type. Learn more about our different mortgage loan options.

An escrow account is a common feature of a mortgage loan. An escrow account makes it easier to pay necessary expenses on your property – like taxes and insurance – by incorporating them into your monthly mortgage payment, rather than paying them in lump sums.

PMI is typically required if your down payment is less than 20% of the home's value. It is designed to protect the lender in case you stop making payments on your loan.

The FDIC is the federal regulatory body overseeing banks while NCUA oversees credit unions. Both insure the deposits of individuals up to $250,000.

Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Learn more at https://www.ncua.gov/about-ncua

A conversation with a Personal Teller is just as private as if a member were talking to a teller in the branch, but for greater privacy there is a handset.

No, using a PTM is the same as going to a teller window inside a branch. There are no additional fees.

PTMs can disperse cash in 1s, 5s, 20s, 50s or 100s. ATMs will only disperse in 5s, 20s, 50s or 100s.

The PTM has a camera for face-to-face transactions, a touch screen so members can enter information, a scanner to scan ID, audio via handset, earbud or speaker, receipt printer, cash and check acceptors, and it functions as a regular ATM when Personal Tellers are not available.

A Personal Teller Machine looks like an ATM, but a member can have real-time, face-to-face conversation with a Wings Personal Teller. A video camera on each side allows the member to interact with the Personal Teller located at our corporate offices. Sound is carried through speakers, a handset, or an optional headphone jack on the PTM.

Members can do just about every transaction they can do with a teller inside one of our branches. Members can make deposits, withdrawals, transfers, cash checks, make loan payments and more!

PTMs are unable to dispense change. If a check is cashed that includes change, the change will be deposited directly into the member’s account.

Wings is dedicated to putting technology to work to create a better banking experience for members. Expanding our service by adding Personal Teller Machines provides greater convenience, just as when we introduced Online Banking and Mobile Apps.

Yes, a referral is good for 180 days.

Yes, the referrer must be a current Wings Credit Union member, in good standing, in order to receive the reward. If the referrer is not a member, no reward cards will be sent to either party. Wings, in their sole discretion, reserves the right to refuse payment of the reward.

Contact the Customer Service team by email at info@referlive.com or by phone at 615.864.7520.

Customer Service hours: Monday – Friday 8am – 5pm CT.

Be sure to add info@referlive.com to your safe senders list to prevent emails from being directed to your junk or spam folders.

For the most current and up to date rates, please visit our Savings Rates page.

Your savings and any accrued dividends will be transferred to your Share Savings account on the first business day in November.

If you should need to access your funds prior to the November disbursement date, you may close the account; however, any accrued dividends will be forfeited.

Voice ID is a streamlined and secure way to receive service over the phone. However, if you prefer to opt out, you can do so at any time.

No, because it's not a recording. Voiceprints are a mathematical representation of the biometric and behavioral features of your voice; a series of numbers that would not allow a hacker to reconstruct your actual voice.

There's nothing specific you need to do. The next time you call Member Services at 1 800 692-2274, we'll create your voiceprint while we're assisting you.

Each member will have one voiceprint associated with their account profile. If you have a joint account (say with your spouse), you will each have your own voiceprint.

If for any reason we're unable to verify your identity through your voiceprint (for example, if there's background noise), we will verify you using alternative methods.

A voiceprint is a set of traits unique to your voice pattern, created from more than 100 physical and behavioral voice characteristics, including pitch, accent, and the shape/size of your vocal tract.

Generally, yes, the slight changes due to a cold or illness won't interfere with Voice ID. In more extreme instances, we will verify you using alternative methods until you feel better.