We did it! Wanigas is now part of Financial Plus Credit Union. And together, we’re creating an even better banking experience for our members, making it easier to bring your goals within reach.
On May 15, 2023, you will have access to new financial tools, services, and a total of 11 combined branch locations between Financial Plus and Wanigas. Members received their welcome guides in the mail throughout the end of March.
Debit Cards
You can activate your new card by calling (800) 631-3197 (be sure to set up your PIN before hanging up) and begin using today.
If you activated your debit card without setting up your PIN, call 1-888-886-0083 to set up your PIN.
Your new debit and ATM cards arrived in mailboxes in early May. If you cannot locate your card, please call us at (800) 748-0451 or visit any Wanigas location.
Digital Banking
You can no longer access the Wanigas digital banking platform. All members will need to create a new username and password within the Financial Plus platform by clicking here or downloading the myFPCU app and selecting "Enroll".
Credit Cards
All current credit cardholders will receive a new Visa Credit Card with a new card number. Current credit cards will continue to work through Sunday, July 16th. By early July, members will begin to receive their new credit card, which will include a new credit card number.
You can activate and begin using your new card on July 17th by calling (800) 631-3197. Please do not try to activate your card until this date.
CURewards will no longer be available: On July 13th, the CURewards program will no longer be available. To redeem your points through CURewards click here and make your selection prior to this date. All points not redeemed through CURewards will transfer to our new Cash Back Rewards program.
Beginning July 17th, members will begin earning 1% cash back on all purchases, which can be redeemed in branch, in the mobile app, or by phone. Click here for more details.
Click here for more information on credit card updates.
Timeline
Friday, May 12th |
Saturday, May 13th |
Sunday, May 14th |
Monday, May 15th |
|---|---|---|---|
Lobby & Drive-Thru:Open regular hours |
Lobby & Drive-Thru:Closed |
Lobby & Drive-Thru:Closed |
Lobby & Drive-Thru:Open regular hours |
Online banking:Available until 4:00 p.m. EST |
Online banking:Unavailable |
Online banking:Unavailable |
Online banking:Enroll in new myFPCU digital banking by selecting "Login" at the top of your screen beginning May 15th and selecting "Enroll" |
Contact Center:9:00 a.m. - 5:00 p.m. |
Contact Center:Unavailable |
Contact Center:Unavailable |
Contact Center:8:30 a.m. - 5:30 p.m. |
Debit cards:Current card still active |
Debit cards:Current card still active |
Debit cards:Current card still active |
Debit cards:Your current Wanigas card is no longer active. Activate your new card by calling (800) 631-3197. |
If you have any questions, please don’t hesitate to call us at (800) 748-0451. We are committed to ensuring this merger is a positive experience for all of our members, and to continue bringing today’s needs and tomorrow’s dreams within reach.
Your top questions, answered.
Account Numbers
Most member account numbers will not be impacted. Please refer to your membership letter included in the member packet mailed on March 24th to check the status of your account number. If you do not have your letter, please call us at (800) 675-2285 or visit any Wanigas location.
Digital Banking (Online and Mobile)
Beginning May 12th at 4:00 p.m., you will no longer be able to access the Wanigas online banking and mobile app. Beginning May 15th, all members will need to create a new online banking login through Financial Plus by selecting "Login" in the top right corner, then "Enroll". You will be guided through steps to assist you in making a new username and password.
To access your account via mobile app, download the "MyFPCU" app (available on the App Store® and Google Play™) and create a new username and password.
Debit and ATM Cards
Your current debit card will continue to work through Sunday, May 14th. By early May, members will begin to receive their new debit card, which will include a new debit card number. Please keep this card in a secure location. You can activate and begin using your new card on May 15th by calling (800) 631-3197.
ATM cardholders will receive a new card in the mail by early May. You can continue to use your current card through Sunday, May 14th. You can activate and begin using your new card on May 15th. You can activate and begin using your new card on May 15th by calling (800) 631-3197.
Credit Cards
Credit card changes will begin in July. Please visit the credit card webpage at the link below for additional information.
Direct Deposit and Withdrawals
Current direct deposits and automatic payments (including withdrawals) will continue without interruption. Any new direct deposit or payment set-up after May 15th, should include the Financial Plus routing number, 272480128, and your member number (as of May 15th) designating a checking or savings account.
Wanigas and Financial Plus Locations
Beginning May 15th, you'll be able to perform transactions at any Wanigas and Financial Plus location. Click below to view a full listing of Financial Plus and Wanigas locations.
Contact Center
We are available to assist you by phone toll-free at (800) 675-2285. Beginning May 15th, the Contact Center hours will be Monday-Friday from 8:30 a.m.-5:30 p.m. and Saturday from 9:00 a.m.-1:00 p.m.
Credit Union Name
We will remain Wanigas Credit Union, A Division of Financial Plus, representing the strong membership and brand recognition established in our communities.
Stay up to date with what's to come.
Direct Deposit + Withdrawals
Current deposits and withdrawals will continue without interruption. When setting up new deposits or withdrawals, please use the Financial Plus routing number, 272480128, and your member number (as of May 15th) designating a checking or savings account.
Routing Number
Wanigas will be moving to Financial Plus's routing number: 272480128. Any current deposits and withdrawals with the former Wanigas routing number will continue without interruption.
Transfers
Beginning May 15th, review your transfer information within your new digital banking account or at any location, as you may need to reestablish automatic transfers.
Safety Deposit Boxes
There will be no changes to your safety deposit box.
Dual Membership
If you currently have both Wanigas and Financial Plus accounts, you will keep both account numbers as two separate accounts.
Credit Union Mailing Address
Beginning May 15th, please use the address below to mail information or payments to the credit union:
P.O. Box 7006 Flint, MI 48507
Seasonal Addresses
All seasonal addresses currently listed in your account will remain in place and do not need to be reestablished.
Your new debit card will be a Visa card. You will need to update any automatic withdrawals or payments setup through your debit card with your new card number.
To activate your new card and establish your PIN, please call (800) 631-3197.
Important dates:
Beginning of May |
Sunday, May 14th |
Monday, May 15th |
|---|---|---|
Members will begin to receive their new debit and ATM cards with activation information. |
Last day to be able to use current debit and ATM cards. |
New debit and ATM cards will be ready to activate and previous cards will no longer work. |
Below we've detailed what current checking accounts will be transitioned to. Click here for information on direct deposits, withdrawals, debit cards, and more, located within the Account Details section.
Share Draft Checking → |
Free CheckingEnjoy no minimum balance or activity fees. |
|---|---|
Premier Checking → |
Tiered-Rate Checking*Enjoy a lower minimum daily balance requirement. |
Great news! Beginning May 15th, you will have even more checking account options, including the 4.15% APY* Elite Checking. You can stop by any location or call us to upgrade your account starting May 15th.
Checks
You can continue using your current check stock without interruption. Between April 28th through May 15th, check ordering will be paused temporarily, however, our branches will be able to provide you with temporary checks. Beginning May 15th, you will be able to order checks as usual.
Overdraft Protection
Overdraft protection will now be called "Courtesy Pay." Your current service will not transfer over. To continue using Courtesy Pay (formerly Overdraft Protection) without interruption, you will need to reenroll at any Wanigas location starting on April 1st.
Savings + IRA
All regular savings accounts (shares) including IRA accounts will remain as is. Below we've detailed what current special savings accounts will be transitioned to:
Vacation, Christmas,
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Miscellaneous Share
|
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Money Market
Below we've detailed what current money market accounts will be transitioned to:
Power Savers → |
High Yield Plus Money MarketEnjoy a lower monthly balance requirement. |
|---|
Certificate
Dividends will be compounded and paid quarterly and renewal grace periods will go from 10 days to 7 days on all certificates. If you have a 24-month certificate, your interest penalty on an early termination will increase from 120 days to 180 days.Digital Banking + Access | Click for more
Beginning May 15th, all members will need to create a new digital banking login online or on the "MyFPCU" mobile app through Financial Plus by visiting Wanigas.com and selecting "Login", then "Enroll". You will be guided through steps to assist you in making a new username and password.
To access your account via mobile app, download the "MyFPCU" app (available on the App Store® and Google Play™).
New features available to you on May 15th include:
- Credit score monitoring right in your mobile app
- Online chat within digital banking
- Card management
- and more!
Bill Pay
Previous merchants and payments setup through your current Bill Pay account will continue without interruption. You can access Bill Pay within your new online banking login beginning May 15th.*
E-Statements + Alerts
If you are enrolled in e-statements only, you will automatically receive a monthly email from Financial Plus letting you know your statement is ready. Log in to your new digital banking account and select "e-Documents" from the menu to access your statement. If you are enrolled in electronic and paper statements, you will need to reestablish e-statements online or at any location.
All account alerts will need to be reestablished within digital banking.
Phone Banking
Beginning May 15th, all Phone Banking members will need to call (800) 748-0451 to activate their Phone Banking account. After activation, Phone Banking can be accessed by calling (800) 234-5884. Follow the prompts to safely and securely manage your finances 24/7.
Third Party Payment Apps
There will be no impact to any third-party payment and transfer apps setup with your Wanigas account (PayPal®, Venmo®, Apple Pay®, etc.). When setting up new payments and transfers, please use the Financial Plus routing number, 272480128, and your member number (as of May 15th) designating a checking or savings account.
If you have these payments linked to your Wanigas debit card, you will need to update your card information with your new card number beginning May 15th.
Vehicle + Personal Loans
All vehicle (including auto, boat, RV, and powersport loans) and personal loans, and lines of credit, will remain the same. Your payment amount, due date, rate, and term will not change. Payments can be made at any Wanigas or Financial Plus location. If you have automatic payments, those will continue to withdraw at the date you have previously selected.
Credit Cards
Credit card changes will begin in July. Please visit the credit card webpage at the link below for additional information.
Payment Center
Payment Center will now be called Loan Pay. To make or schedule a payment through Loan Pay, visit Wanigas.com and select the Payments option within the "Borrow" drop down under "Digital Banking".
Mortgage + Home Equity Fixed Loans^^
Beginning May 13th, a majority of all Wanigas mortgage loans will begin being serviced by Financial Plus. The remaining mortgages will be transferred on June 1st. You will receive your statement from Financial Plus, and there will be no changes to the balance, term, payment due date, or rate. View FAQ on the mortgage servicing transfer below.
Payments can be made at any Wanigas or Financial Plus location. To set up convenient automatic payments for mortgage payments applied after May 13th, click the button below.
Financial Plus offers eStatus Connect, a simple and convenient online tool to manage your mortgage. To view your account and make payments online, you can create a login within eStatus Connect and select "Register" beginning May 15th.
Home Equity Line of Credit
There will be no impact to the balance, terms, and payment due date of your home equity line of credit. Your scheduled payments will continue without interruption.
Below we've detailed how current business checking accounts will be transitioned on May 15th.
Business Share
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Free Business Checking |
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The first 100 transactions per month are free, each transaction after is $0.25 each. There is no monthly service fee if account is enrolled in E-Documents, if not enrolled in E-Documents, there is a fee of $10 per month.
Now available to you:
Business Loans
For business equipment, real estate, construction, and more—we have loan amounts ranging from $10,000 to over $10 million.
- Local and prompt decisioning and funding
- Flexible payment options
Business Line-of-Credit
Whether your business could use a small loan or a substantial sum, optimize cash flow with a line-of-credit with payment options tailored to your unique situation.
- Balloon payments
- Interest-only option
- SBA 7(a) and SBA 504
Premier Business Checking
With Premier Business Checking you get all of the great benefits of our Free Business Checking, and then some.
- Dividends on your monthly balance
- Higher monthly transaction allowance
*APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. Dividends paid at month-end on daily balance up to $10,000. A 0.05% APY will apply to balances over $10,000. A 0.00% APY will apply in months where all requirements are not met. APY current as of 8/24/21. Rates subject to change. Limit one Elite Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.