UWFS

FAQ

You Have Questions.
We Have Answers.

What Can We Help You Find?

Who We Are

How am I supporting my union?

Who can use UWFS?

What are the customer service hours for UWFS?

What types of accounts does UWFS offer?

Are there really no fees?

What are UWFS’s Deposit Limits?

Timeframe	Standard	Maximum Increase
One-Time Check Limit	$10,000	$
Daily Limit	$10,000	$
Monthly Limit	$50,000	$

Who is UWFS?

UWFS Savings Tools

How can UWFS help me reach my savings goals?

What are Spending Folders?

How To's

How do I open an account?

How do I deposit money?

How long will it take to get my debit card?

Do I need a smartphone?

Safety & Security

How do you handle my personal information?

What if i don’t recognize a transaction on my checking account?

Is my money safe?

What is your security policy?

Does UWFS support Trusts, Power of Attorney, or Beneficiaries?

What happens to my money if I cannot designate a beneficiary?

ATMs, Mobile Payments & Bill Pay

Can my debit card be linked to my mobile wallet?

Can I send money to family and friends?

Can I pay bills with my UWFS account?

Does UWFS provide checks for the accounts?

Will I ever be charged an ATM fee?

Where can I find a free ATM?

Can I instantly transfer funds to my account?

Why is the UWFS routing number showing as invalid when I try to make external bill payments on some merchant websites?

Follow UWFS on social media.

Routing # 011875460

Checking & Savings Check Today's Rates ATM Lookup About UWFS FAQs Account Security Tips Contact Us Privacy Policy Disclosures

UWFS® is a registered trademark of PeoplesBank. A division of PeoplesBank, Holyoke, MA.

^{^^}Net income generated from banking or debit card activity may be shared with union(s) to support union programs and events.

⁺UWFS Checking Account: There is no minimum balance required to open this account.

⁺⁺UWFS High Value Savings Account: The minimum balance needed to obtain the Annual Percentage Yield (APY) is $0.01. APY is valid as of 02/01/2025 and is subject to change without notice. Competitive rates are reviewed periodically.

^{^}Early Payday: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

^#Apple, the Apple logo, iPhone and iPad are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

^**Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.

^{^^^}2016 Samsung Electronics America, Inc. Samsung, Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices.