You have two enrollment options available:
Click Enroll from www.woodforest.com. You will be taken to the Enrollment page where you will be prompted to enter required information depending on the enrollment option selected.
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How to Enroll in Online Banking |
If you wish to enroll your business in Online Banking please contact us at 1-877-968-7962 for assistance.
Your User ID is what identifies you in our system. You will choose your own unique User ID during the enrollment process.
If you are a new customer, you must wait until the day after you have opened your eligible account(s) to enroll in Online Services. Once you successfully complete the enrollment process you can then access your accounts online. Note: Only eligible accounts will display online. Contact your branch if you have any questions.
You can use Quicken or QuickBooks with Woodforest Online Services to budget, plan and track your finances. You can easily download/import your transactions to these software applications. Please note: Express Web Connect is not available at this time. You must use Online Services to make transfers or payments.
Log into Online Services. Click Service Center and then select Change Password. Enter your current username and password followed by your new password. Re-enter your new password for confirmation. Click Change Password to submit your change.
Log into Online Services. Click Service Center, and then select Change Username. For security reasons you will be prompted to answer one of your security questions. Click Let's Get Started; enter the answer to your security questions and click Continue. Enter your new Username. Re-enter your new Username for confirmation. Click Change Username to submit your change.
Log into Online Services. Click Service Center and then select Manage Security Answers. For security reasons you will be prompted to answer one of your security questions. Click Let's Get Started; enter the answer to your security questions and then click Continue. Select your new security questions and enter your new answers. Note, you must change all four security questions and answers. You cannot answer the same question multiple times. Click Continue. Your security questions have been changed.
From the online services login screen, click the Forgot Your Password? link and follow the steps to reset your password. You must answer one of your security questions that you selected during enrollment.
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How to Reset Password in Online Banking |
Many bills have varying payment amounts and due dates, such as utility bills. For these payments, schedule a one-time (manual) payment. Some payments such as mortgages and auto loans have fixed payment amounts, due dates, and frequencies. For these types of payments, create a repeating (automatic or recurring) payment schedule (rule) and we will process the payment at the selected frequency for the indicated amount with no further action needed by you.
Yes, if you delete a Payee, your automatic payment rule and all scheduled future payments to that Payee will be canceled.
Since Bill Payments are set up and directed by you to the Payee, some restrictions apply when disputing a payment. Payees require that they are contacted first. Keep a log of each contact with the Payee. The date, time and who you spoke to are required for certain types of disputes. You may stop a payment on a Bill Payment check that has not cleared your account by visiting your local branch, contacting us, or making a request through Online Banking. Stop Payments are detailed in our Terms and Conditions along with any fees that may apply.
Bill payments are only processed Monday through Friday, excluding weekends and Federal holidays.
Yes, any scheduled payments not yet processed and any future payments in a recurring series will be sent to the updated Payee address.
Payments can be scheduled the same day, up until approximately 3 PM (CT). At that time, we begin processing pending payments and the earliest "Send on" date for any new payments is the following business day. You can also view the status of processed payments on the History tab to determine if the payment has failed.
You will be sent an email if a payment is not processed due to insufficient funds, incorrect Payee data, or similar reasons. You can also view the status of processed payments on the History tab to determine if the payment has failed.
Please refer to the Alert Preferences page, under the More tab, to view a list of all alerts, including automatic alerts (displayed in gray) and alerts you may configure.
A virtual card payment is a payment made with a single-use credit card number issued to a Payee.
A virtual card payment may be used to remit funds to Payees initiated by Woodforest's Bill Pay processor.
Like many other forms of electronic payments, virtual cards can create a faster, more secure method of sending payments to Payees due to their one-time use characteristics.
Your experience for paying bills will remain the same. The only thing that changes is how the funds are remitted to the Payee.
SMS Text Authentication allows you to set up your mobile phone number to receive one-time codes when logging into Online Banking or performing certain transactions (also known as security challenges or multi-factor authentication). SMS Text Authentication replaces security questions and answers. SMS Text authentication is a more secure alternative to security questions or activity codes delivered to your email.
Once your phone number is verified, you will receive a one-time code via text message whenever you log into Online Banking. Enter the code in the security challenge field to access your account.
SMS Text Authentication is optional but strongly recommended as a more secure alternative to security questions.
At any time, Login to Online Banking > Security > Manage Text Message Authentication and disable the mobile phone number displayed under Enabled for Text Message Authentication. Your number will be saved if you choose to enable this feature again.
To opt-out at any time, text STOP to MYWNB (69962) from your mobile device.
Some financial apps may not be compatible with Woodforest Online Banking while a multi-factor authenticator is enabled. You can disable SMS Text Authentication at any time, however we recommend using a Limited Access Password for third-party apps to ensure compatibility without compromising the security of your Woodforest accounts.
Check your third-party app to see if your account is still synced properly. You may need to disable SMS Text Authentication or relink Online Banking to the third-party app with a Limited Access Password.
An authenticator app is a security application you can download and install onto your smart phone or tablet. An authenticator app offers additional security and may be used as an alternative option to traditional security questions when logging into Online Banking or performing certain transactions (also known as security challenges or multi-factor authentication). Once enabled, the authenticator app will replace your security questions.
To use an authenticator app when logging into Online Banking:
Microsoft Authenticator and Google Authenticator have been tested and verified to work with Online Banking, however any authenticator app that meets the TOTP security standard should be compatible.
When using an authenticator app, you will be prompted to enter your authenticator code each time you log into Online Banking.
Login to Online Banking > Security > Manage Mobile Authenticator, and follow the steps below.
Yes, you can install an authenticator app on multiple devices. Once you have downloaded an authenticator app to another device, login to Online Banking > Security > Manage Mobile Authenticator to retrieve the barcode or manual key to install it.
Yes, but you must sign in with each Online Banking user profile to enable authenticator for that user profile. When you open your authenticator application, you will see all profiles you have installed. Use the code displayed for the online profile under which you are currently signed in for your Security Challenge.
Open the authenticator application on your mobile device to access your authenticator code. Enter the code currently displayed into the Authenticator Code field on the Security Challenge page. Note that authenticator codes are time-based and will refresh typically after a 30-second timeframe.
Login to Online Banking > Security > Manage Mobile Authenticator and follow the instructions to remove an authenticator. Be sure to remove the authenticator app from Online Banking before you delete it from your phone.
Contact us toll-free at 1-877-968-7962 to remove the authenticator app and restore your security questions as your security challenge when logging into Online Banking.
Contact us toll-free at 1-877-968-7962 to remove the authenticator app and restore your security questions as your security challenge when logging into Online Banking. You may re-enable the authenticator at any time.
Some financial apps may not be compatible with Woodforest Online Banking while a multi-factor authenticator is enabled. You can disable an authenticator app at any time, however we recommend setting up a Limited Access Password for third-party apps to ensure compatibility without compromising the security of your Woodforest accounts.
Check your third-party app to see if your account is still synced properly. You may need to disable the authenticator app or relink Online Banking to the third-party app with a Limited Access Password.
If you have both SMS Text Authentication and an authenticator app enabled, Online Banking will only accept the authenticator app code when you are prompted with a security challenge. If you wish to use SMS Text Authentication, you can disable the authenticator app at any time.
A ‘biometrics login’ provides the ability to log into an app with a fingerprint or through facial recognition. It is an alternative way to gain access to Woodforest accounts that also adds an extra layer of security.
Biometrics login is only available on devices that have biometrics capabilities. iOS devices support Touch ID or Face ID login, and Android devices support fingerprint login.
Using a biometrics login is an alternative way to gain access to Woodforest accounts. Using biometrics to log in also provides a safer way to ensure only the account owner can access his or her Woodforest accounts. Because of the increased security, all of the features within the Woodforest Mobile Banking App are available for use.
Using biometrics to log in is a safer way to ensure only the account owner can access his or her Woodforest accounts.
Using biometrics to log in is not required to access Woodforest accounts. Customers can always use their username and password login credentials to gain access.
Woodforest does not collect or store fingerprint or facial data. That information is exclusively stored on the user’s device and controlled by the user’s settings. The device authenticates the fingerprint or face when using biometrics to log into the Woodforest Mobile Banking App.
Biometrics login is only available on devices that have biometrics capabilities. iOS devices support Touch ID or Face ID login, and Android devices support fingerprint login.
Users can opt to log in with their username and password login credentials.
Only fingerprint access is supported on Android devices at this time.
Upon login, users with a device where a user’s biometrics profile has already been set up will see a prompt asking if they would like to set up biometrics to access their Woodforest accounts. Even though set-up can be a fast process, we understand that users might not want to set up biometrics login at this time. An option appears on the Account screen that will allow users to launch the set-up process at any time. Also, from within the Woodforest Mobile Banking App’s Main menu, select ‘Security’ for access privileges. The Biometrics section provides the ability to enable biometrics for login and initiate the set-up process.
Biometrics must be set up on each individual device used to access Woodforest accounts.
At this time, the usage of a biometrics login is only available for one username per device. If a user has multiple usernames, after opening the Woodforest Mobile Banking App, select to cancel the biometrics login. Enter the username and password login credentials to log in.
If a device has biometrics data for more than one person saved in the device’s user settings, accounts from within the Woodforest Mobile Banking App can be accessed by all biometrics users.
After opening the Woodforest Mobile Banking App, select to cancel the biometrics login. The other user will be able to enter his or her username and password to log in.
Log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to view a list of all devices with biometrics logins enabled. If you do not recognize a device on the list, disable the device and change your account password.
In addition to contacting the device’s wireless service provider, log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to disable all applicable biometrics login entries. Alternatively, call Customer Care at 1-877-968-7962.
For increased security, when adding a new fingerprint to a device or reinstalling the Woodforest Mobile Banking App, the user will again be prompted to set up a biometrics login for that device.
For increased security, when adding a new fingerprint to a device or reinstalling the Woodforest Mobile Banking App, the user will again be prompted to set up biometrics login for that device.
Open the Woodforest Mobile Banking App’s Main menu, and select ‘Security’. The Biometrics section provides the ability to disable biometrics logins for the current device.
To disable biometrics login for every device, repeat this process for each device or log into the Woodforest Online Banking web site (online.woodforest.com) and navigate to the Security Center to view a list of all devices with biometrics login enabled. If you do not recognize a device on the list, disable the device and change your account password.
Woodforest does not collect or store fingerprint or facial data, so there are no further actions required upon disabling the biometrics login(s).
The Manage Debit Card Service allows you to manage your debit card(s) within the Woodforest Mobile Banking application for Apple and Android devices. With this feature you can:
Turn your card(s) On/Off
Set spending Limits
Allow/Block certain transaction types including:
In-store
Online/Phone
ATM
International
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How to Turn a Card Off and On in Mobile Banking |
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How to Block Transactions by Type in Mobile Banking |
The ability to manage transaction types, set Limits, or turn card(s) On/Off allows you the convenience of managing your debit card(s) for added card security, increased protection against fraudulent activity, and control over spending habits.
We currently do not charge a fee for the Service; however, we reserve the right to change this policy at any time as long as we provide reasonably sufficient notice as to the new charges, as may be required by applicable law and/or regulation. Please note that transaction and card issuance fees related to the debit card still apply.
A pending transaction is already authorized. The Service only impacts transactions authorized after the Card settings are changed. An authorization can take up to several days before it shows pending and/or posted to the Eligible Account.
To the extent possible, Woodforest will decline Eligible Transactions attempted on the card(s). Recurring, pre-authorized, and certain other types of transactions will not be declined. Also, the transaction could be authorized on behalf of Woodforest by a third party when its system is down. This information is covered in the Terms and Conditions.
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How to Turn a Card Off and On in Mobile Banking |
When a card is turned back On, it will function the same way it did before you turned the card Off. If you set any restrictions (Blocks for certain transaction types or Limits) prior to turning your card Off, those restrictions will still be in effect once the card is turned back On.
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How to Turn a Card Off and On in Mobile Banking |
Yes. You can perform a balance inquiry or deposit a check at any ATM as these card transactions are not eligible for the Service.
You can contact us at 1-877-968-7962 (toll free) to have the card settings updated.
No. If the card is lost or stolen, you must still contact Woodforest National Bank to notify us so we can close the card. While turning Off the card may reduce unauthorized activity, this setting does NOT close the card in the event it is lost or stolen.
For assistance with a lost or stolen card, contact Woodforest National Bank immediately. You may also set your card to Off in order to reduce unauthorized activity until you are able to contact Woodforest; however doing so does not prevent all further transactions from authorizing, settling, or posting to the Eligible Account.
To the extent possible, Woodforest will decline all Eligible Transactions for the type Blocked (for instance, all in person transactions). Recurring, pre-authorized, and certain other types of transactions will not be declined.
Eligible Transactions that can be Blocked include ATM, In-Person (e.g. Point-of-Sale), Online/Phone, or International (includes ATM, In-Person, Online/Phone). However, transactions identified as Recurring and certain other transactions will not be Blocked. Note that some online merchants such as Apple and Amazon only verify the card is valid when approving a purchase, which will allow the transaction to initially be approved, even if you have a Block for online transactions. When the transaction is processed by the merchant or the item is shipped, the merchant will try to authorize the card for the full purchase amount, and the transaction will be declined at that time.
Woodforest will respond with a decline reason to the merchant stating the transaction is not permitted. If you want to have the transaction approved, you must review and modify your card settings and attempt the transaction again.
There are a number of reasons why it could have posted to the Eligible Account. Some examples are (i) Recurring transactions (e.g., monthly gym membership); (ii) the transaction was authorized before the setting was turned on; (iii) the transaction contained data that did not identify the transaction as the type of transaction that you wanted to Block; or (iv) the transaction was authorized on behalf of Woodforest by a third party when its system was down. This information is covered in the Terms and Conditions.
Yes. Removing a Block for International Transactions does not guarantee International Transactions will be authorized by Woodforest. From time to time, Woodforest may restrict a card from initiating International Transactions if we suspect an elevated risk of fraud. If you have plans to travel outside of the United States, in addition to removing the Block on the Card for International Transactions, you must inform Woodforest of the upcoming travel dates.
You may set a Transaction Limit, which sets a maximum per transaction dollar amount for Eligible Transactions that may be authorized on the Card. You do not have the option to apply the Limit to only certain types of Eligible Transactions. Also, the Eligible Account has its own limits referenced in the Account Disclosures (such as, ATM Cash Withdrawals and Point of Sale Cash Back transactions limits). Even if you establish a Limit through the Service, existing withdrawal limits established on the Eligible Account still apply.
You do not have an active card that is eligible for use of the Service. A new card can take up to 24 hours to be eligible for the Service.
A system technical issue has occurred that prevents Woodforest from displaying the card settings. Technical issues are typically short in duration and we recommend that the customer check back later to view the card information. If you need to update your settings immediately, contact us at 1-877-968-7962 (toll free) for immediate assistance.
You may receive an email, SMS text message, or phone call to verify the suspicious transaction(s). If you opt-out of SMS Woodforest Debit Card Fraud Alerts, or no email or invalid email is on file, a Woodforest Debit Card Fraud Specialist may attempt to contact you by phone to verify the transaction.
Send STOP to 96475 from your mobile device. You will receive an unsubscribed confirmation text message.
The Woodforest Debit Card Fraud Alert message frequency may vary per user.
SMS Woodforest Debit Card Fraud Alert example:
FreeMsg: Woodforest Card Fraud Alert Card ending 1234
Did you attempt $15.30 at XYZ Merchant, Seattle WA, US
Reply YES or NO
STOP to opt out
Woodforest Card Fraud SMS alerts sent from 96475 will be a Free to End User (FTEU) message. You can opt out of receiving SMS fraud alerts sent from 96475 at any time by replying the word STOP to 96475. If you reply STOP, you may receive an additional text acknowledging our receipt of your request. For help with SMS, send the word HELP to 96475 or call us at 866-682-7045. Supported carriers for card fraud SMS alerts include but may not be limited to: AT&T, Sprint, MetroPCS, Verizon Wireless, T-Mobile®, and Cricket. Wireless carriers are not liable for delayed or undelivered messages. Wireless data rates and fees may apply to all non-fraud related SMS alerts and messages sent from Woodforest. Message frequency may vary per user.
SMS, or Short Message Service, is a text messaging service for mobile phones or SMS-enabled devices. SMS allows the exchange of short text messages between mobile phone devices or systems designed to communicate with mobile phone devices (such as Woodforest Debit Card Fraud Alerts).
Apple Pay is a payments feature integrated into your Apple® device's Wallet app. You can add your Woodforest Debit Card to Apple Pay to make purchases at participating retailers.
Apple Pay is available on eligible iPhones®, iPads®, Apple Watches®, and Mac® devices using the latest operating systems. For an up-to-date list of eligible devices, please go to https://support.apple.com/en-us/HT208531.
Consumer and Business Woodforest Debit MasterCard® cardholders can use Apple Pay. Discover® cardholders are not eligible for Apple Pay at this time.
Yes. You can load multiple cards for each Apple Pay-enabled device (iPhone, iPad, Apple Watch). Cards are not shared across devices, requiring that if you want the same card on two different devices, load the card on each device separately.
Woodforest National Bank does not charge to use Apple Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
For both in-store and in-app payments, look for the payment symbol at participating Apple Pay merchants. View the full list of participating merchants at www.apple.com/apple-pay/where-to-use/.
Apple Pay's security features aim to make payments more secure than traditional payment methods. For more information on how Apple Pay secures its payments, please go to www.apple.com/apple-pay.
To learn more about Apple Pay please go to www.apple.com/apple-pay.
Yes, you can use multiple cards with Google Pay. Devices do not share cards, so if you want to use the same card on two different devices, you will need to add the card on each device separately. To ensure you’re using your Woodforest card, tap the card image on each of your devices to set it as your default payment card. You can easily switch between cards whenever you make a purchase.
Woodforest National Bank does not charge to use Google Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
No, but you will need to connect every so often to refresh the app. This will help ensure Google Pay is ready to pay when you are.
Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.
To learn more about Google Pay, please visit the Google Pay site.
Samsung Pay is a payments feature through the use of proprietary technology built into compatible Samsung devices. You can add your Woodforest Debit Card to Samsung Pay to make purchases at participating retailers (excluding gas station pumps).
Samsung Pay uses proprietary technology to make contactless mobile payments with compatible Samsung phones and Gear smartwatches. Simply hover your device about one-half inch over the card reader above where you’d usually swipe or tap a physical card. If the transaction doesn’t process, move your device slowly across the terminal.
You can use Samsung Pay at over one million locations whose payment terminals are NFC or MST enabled and set up to accept Samsung Pay. Samsung Pay does not currently work at gas station pumps where you have to insert your card, but it will work at most gas station cashier card readers. You can also make in-app purchases in participating apps.
For a list of supported Samsung devices that can support Samsung Pay, please visit Samsung Pay Support, and select Devices.
Samsung Pay is automatically installed through a software update for eligible devices. If Samsung Pay is not on your device, visit the Samsung Pay support page for details on how to set up Samsung Pay on your phone.
In addition to in-store payments, you can also make in-app purchases in participating apps. Online payments are not currently supported.
No, an active internet connection is not required to make in-store purchases, but your device should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. Samsung Pay does require an active internet connection to activate the app or add a new card.
The last card you made a purchase with in Samsung Pay will automatically appear as the card that would be used the next time you open the app. However, you can always swipe between all the cards you have added and select a different card before making a purchase.
Woodforest National Bank does not charge to use Samsung Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see the last 10 Samsung Pay transactions made with that card. Additionally, a push notification with transaction details will be sent to your device after each Samsung Pay purchase. Note: Push notifications require an active internet connection.
To learn more about Samsung Pay, please visit the Samsung Pay site.
Cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself. If requested, follow any additional steps to verify your card.
Yes, you can use up to 10 cards with Samsung Pay. You can easily switch between cards whenever you make a purchase.
Many bills have varying payment amounts and due dates, such as utility bills. For these payments, schedule a one-time (manual) payment. Some payments such as mortgages and auto loans have fixed payment amounts, due dates, and frequencies. For these types of payments, create a repeating (automatic or recurring) payment schedule (rule) and we will process the payment at the selected frequency for the indicated amount with no further action needed by you.
Yes, if you delete a Payee, your automatic payment rule and all scheduled future payments to that Payee will be canceled.
Since Bill Payments are set up and directed by you to the Payee, some restrictions apply when disputing a payment. Payees require that they are contacted first. Keep a log of each contact with the Payee. The date, time and who you spoke to are required for certain types of disputes. You may stop a payment on a Bill Payment check that has not cleared your account by visiting your local branch, contacting us, or making a request through Online Banking. Stop Payments are detailed in our Terms and Conditions along with any fees that may apply.
Bill payments are only processed Monday through Friday, excluding weekends and Federal holidays.
Yes, any scheduled payments not yet processed and any future payments in a recurring series will be sent to the updated Payee address.
Payments can be scheduled the same day, up until approximately 3 PM (CT). At that time, we begin processing pending payments and the earliest "Send on" date for any new payments is the following business day. You can also view the status of processed payments on the History tab to determine if the payment has failed.
You will be sent an email if a payment is not processed due to insufficient funds, incorrect Payee data, or similar reasons. You can also view the status of processed payments on the History tab to determine if the payment has failed.
Please refer to the Alert Preferences page, under the More tab, to view a list of all alerts, including automatic alerts (displayed in gray) and alerts you may configure.
A virtual card payment is a payment made with a single-use credit card number issued to a Payee.
A virtual card payment may be used to remit funds to Payees initiated by Woodforest's Bill Pay processor.
Like many other forms of electronic payments, virtual cards can create a faster, more secure method of sending payments to Payees due to their one-time use characteristics.
Your experience for paying bills will remain the same. The only thing that changes is how the funds are remitted to the Payee.
Contact Western Union Customer Support 24/7 at 1-800-325-6000 within 30 minutes of payment to make a change or cancel and receive a full refund.
You can check the status of your transaction and print copies of your past receipts from the Western Union Money Transfers features in Online Banking and the Mobile Banking App*.
If you made changes to your transaction through the Western Union call center, you can request a receipt.
We want you to have the best possible experience when you use our services. If you’ve encountered any problems with your transaction, please let us know by filing a complaint, and we’ll respond within 24 hours.
Learn more about our error resolution and cancellation practices. A full refund typically applies. A refund isn’t applicable if the receiver has already picked up their funds or where prohibited by law.
The fee for the online service varies based on the principal amount of the transfer and the speed of service. You’ll see the fee and exchange rate or estimated exchange rate (for international transactions only) for your transaction before you complete the transfer.
If you think there’s an issue with your transaction, file a complaint within 180 days of the date the funds would have been made available to the receiver. A Western Union customer support representative will contact you within 24 hours.
If your receiver couldn’t pick up funds because of a problem with the transaction—or didn’t pick up the amount you expected— you can file a complaint within 180 days of the date the funds should have been made available for pickup. A Western Union customer support representative will contact you using the contact details you supply within 24 hours.
When you’ve completed your transaction, you’ll need to contact your receiver and give them the 10-digit tracking number (MTCN), and the answer to the test question if you added one. Please remind your receiver to bring a photo id.
You can add a test question and answer during your transaction. Your receiver will be able to pick up their funds without ID, except where prohibited by the receiving country.
They can pick up their funds at a participating Western Union agent location based on the destination (country, state, and/or city) you specified in your transaction.
Just call our 24-hour automated agent locator at 1-800-325-6000 (Español: 1-800-325-4045) or go to http://www.westernunion.com/locator.
It depends on the service you chose:
During the transaction, you’ll be asked if you want to receive a notification via email or text messaging, or opt out of receiving a notification altogether. Once your receiver has picked up their funds you’ll be notified based on the option you selected. Standard message and data rates may apply.
No, but using a My WU® Number will earn you points towards great rewards. To learn more or enroll for free, visit http://www.westernunion.com/us/mywu.
To cancel or make changes to your transaction once it’s been sent, call Western Union customer support at 1-800-325-6000, (Español 1-800-325-4045). You won’t be able to cancel or change a transaction that’s already been paid out.
P2P stands for “Person to Person” which means a Woodforest P2P payment is a transfer of funds between your Woodforest bank account and the bank account of another individual. Payments are electronic and will be processed the next business day. Funds must be available at the time the payment is being processed.
Payments can be set up as a one-time payment through the Woodforest Mobile App.
You can cancel a payment up until the payment cut-off time (typically 6PM CST) on the day the payment is scheduled to be sent. Only senders can cancel their payments.
For claimed payments delivered to a verified recipient, funds are typically debited from your account between 7:00 PM – 8:00 PM CST time. You have until approximately 6:00 PM CST the same business day to cancel any payments before they are sent.
You can review your P2P status of payments and payment history by clicking the History icon from the Send Money screen of your mobile device.
P2P payments cannot be sent via check as all P2P payments are sent electronically.
Both you and your recipient will be notified through email/SMS when the payment is sent and when it has been delivered.
Your recipient has seven (7) calendar days to claim their payment. Notifications are sent to your recipient prompting them to claim their payment. If your recipient does not claim their payment from you, the payment will be canceled, and you will need to set up the payment again. Both you and your recipient are notified when the payment link has expired.
Funds are not debited until the recipient has indicated where they want their funds disbursed. If after seven (7) calendar days the recipient doesn’t claim the funds, the transaction is canceled.
Yes, if your recipient does not claim their payment within seven (7) calendar days, both you and your recipient are notified when the payment link has expired.
P2P payments are offered as part of Woodforest’s core services. You do not need to enroll in Bill Pay to use P2P payments.
Woodforest sets a limit for payments, which aids in mitigating fraud and managing exposure. Please consult with your online banking services agreement for more information.
P2P payments can be scheduled at any time. Processing occurs Monday through Friday, federal holidays excluded. Payments must be scheduled before 6:00 PM CST to be processed the same day; payments scheduled after 6:00 PM CST will be processed the following business day.
Accounts are only debited for payments that are processed, so a canceled payment will never be debited. If a payment is returned, the sender’s account will be credited.
If Woodforest receives a return before the cut-off time (typically 6PM CST), the credit will be processed the same day it was returned during that day's payment processing. Otherwise, the credit will be included in the next day's payment process.
As a security precaution, your recipient will need to answer a security question the first time you send them a payment, if you change your security question, and if they make a change to their delivery method (mobile phone number or email) after having previously answered a security question correctly.
If you have changed the security question, your recipient will need to answer the new question to receive new payments. If a payment is already pending from before you changed the security question, the recipient will not need to answer the new security question to receive the pending payment.
Your recipient has three (3) attempts to answer correctly. Upon the second failed attempt, your recipient will be presented with a message to check the answer with you to prevent being locked out. If your recipient is locked out, the payment is canceled and both you and your recipient will receive an email/SMS. You will be instructed to set up a new payment and contact your recipient with the security question answer.
As of April 1, 2025, Zelle® users will be unable to send money through Zelle® unless their recipient’s bank also has Zelle® integrated into their mobile app or online banking site.
As a valued Woodforest customer, you can make person-to-person (P2P) payments with our in-app Send Money feature, securely and conveniently whether your recipient banks with us or not.
Woodforest Mobile Deposit is a service that allows customers to take a picture of a check with a camera-enabled mobile device and send the image electronically to Woodforest National Bank for deposit into an eligible Woodforest National Bank account.
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How to Deposit a Check in Mobile Banking |
You must download the Woodforest Mobile app to your iPhone® or AndroidTM device and be enrolled in Woodforest Online Services.
To use Woodforest Mobile Deposit:
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How to Deposit a Check in Mobile Banking |
At this time iPhone® and AndroidTM devices are able to use Woodforest Mobile Deposit.
Deposits may be submitted at anytime. Only one check may be included in each deposit.
A Mobile Deposit may be made anytime, however, any deposits received after 8:00pm CT will generally be available by the second business day.
No, there is no extra charge to use Mobile Deposit; however, message and data rates may apply as set by your service provider.
There is no limit to the number of checks that may be deposited in one day as long as the daily amount limit is not exceeded.
Notifications should be received within 24 hours, depending on when a deposit was submitted. Generally, you should expect a response within 3 to 4 hours between 8:00am CT and 8:00pm CT. All deposits will be reviewed prior to 8:00pm CT each night to ensure you will receive credit during the evening's processing.
Write "Mobile Deposited on [date of deposit]" on the memo line of the check. Retain the check until it has been approved and processed. You may destroy the check at that time; shredding is a secure way of disposing of a check.
Visit your local branch for assistance. If you have more than two (2) checks returned, your ability to use Mobile Deposit will be disabled for 90 days.
The transaction line item will state Mobile Deposit. You may view your Mobile Deposit History on the Online Services Transfers page.
Apple Pay is a payments feature integrated into your Apple® device's Wallet app. You can add your Woodforest Debit Card to Apple Pay to make purchases at participating retailers.
Apple Pay is available on eligible iPhones®, iPads®, Apple Watches®, and Mac® devices using the latest operating systems. For an up-to-date list of eligible devices, please go to https://support.apple.com/en-us/HT208531.
Consumer and Business Woodforest Debit MasterCard® cardholders can use Apple Pay. Discover® cardholders are not eligible for Apple Pay at this time.
Yes. You can load multiple cards for each Apple Pay-enabled device (iPhone, iPad, Apple Watch). Cards are not shared across devices, requiring that if you want the same card on two different devices, load the card on each device separately.
Woodforest National Bank does not charge to use Apple Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
For both in-store and in-app payments, look for the payment symbol at participating Apple Pay merchants. View the full list of participating merchants at www.apple.com/apple-pay/where-to-use/.
Apple Pay's security features aim to make payments more secure than traditional payment methods. For more information on how Apple Pay secures its payments, please go to www.apple.com/apple-pay.
To learn more about Apple Pay please go to www.apple.com/apple-pay.
Yes, you can use multiple cards with Google Pay. Devices do not share cards, so if you want to use the same card on two different devices, you will need to add the card on each device separately. To ensure you’re using your Woodforest card, tap the card image on each of your devices to set it as your default payment card. You can easily switch between cards whenever you make a purchase.
Woodforest National Bank does not charge to use Google Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
No, but you will need to connect every so often to refresh the app. This will help ensure Google Pay is ready to pay when you are.
Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.
To learn more about Google Pay, please visit the Google Pay site.
Samsung Pay is a payments feature through the use of proprietary technology built into compatible Samsung devices. You can add your Woodforest Debit Card to Samsung Pay to make purchases at participating retailers (excluding gas station pumps).
Samsung Pay uses proprietary technology to make contactless mobile payments with compatible Samsung phones and Gear smartwatches. Simply hover your device about one-half inch over the card reader above where you’d usually swipe or tap a physical card. If the transaction doesn’t process, move your device slowly across the terminal.
You can use Samsung Pay at over one million locations whose payment terminals are NFC or MST enabled and set up to accept Samsung Pay. Samsung Pay does not currently work at gas station pumps where you have to insert your card, but it will work at most gas station cashier card readers. You can also make in-app purchases in participating apps.
For a list of supported Samsung devices that can support Samsung Pay, please visit Samsung Pay Support, and select Devices.
Samsung Pay is automatically installed through a software update for eligible devices. If Samsung Pay is not on your device, visit the Samsung Pay support page for details on how to set up Samsung Pay on your phone.
In addition to in-store payments, you can also make in-app purchases in participating apps. Online payments are not currently supported.
No, an active internet connection is not required to make in-store purchases, but your device should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. Samsung Pay does require an active internet connection to activate the app or add a new card.
The last card you made a purchase with in Samsung Pay will automatically appear as the card that would be used the next time you open the app. However, you can always swipe between all the cards you have added and select a different card before making a purchase.
Woodforest National Bank does not charge to use Samsung Pay. However, be aware that charges from your mobile carrier may apply depending on your data plan.
Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see the last 10 Samsung Pay transactions made with that card. Additionally, a push notification with transaction details will be sent to your device after each Samsung Pay purchase. Note: Push notifications require an active internet connection.
To learn more about Samsung Pay, please visit the Samsung Pay site.
Cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself. If requested, follow any additional steps to verify your card.
Yes, you can use up to 10 cards with Samsung Pay. You can easily switch between cards whenever you make a purchase.
Owner of the Business
State Specific:
Other:
All general partners must be present and on the account.
Assumed Name Certificate / DBA
Required if partnership is doing business under a trade name
Also referred to as Fictitious Name Certificate or Name Registration
Partnership Agreement
Required if partnership is not clearly indicated on the Assumed Name Certificate / DBA
Franchise Agreement
Only required if partnership is operating as a franchisee
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each authorized signer
Taxpayer Identification Number (TIN/EIN) for the Partnership
Cannot be the Social Security Number of a partner
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
Documentation on each Beneficial Owner of the General Partnership
A Beneficial Owner is an individual who:
Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);
One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.
Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).
No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.
A completed Beneficial Ownership Form that includes information such as:
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
Certification that information provided is complete and correct
All general partners must be present and on the account. If the general partner is a legal entity, such as a corporation or LLC, the authorized representative (Director, Officer; Manager) of that entity may open the account. Legal entity general partners must be in good standing with the state.
Certificate of Partnership
Certificate of Filing
This certifies that the Certificate of Limited Partnership was filed with the state
Assumed Name Certificate / DBA
Only required if partnership is doing business under a trade name
Example: If “Smith Construction Ltd” also does business under “John’s Construction”, a DBA would be required
Also referred to as Fictitious Name Certificate or Name Registration
Franchise Agreement
Only required if partnership is operating as a franchisee
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each authorized signer
Taxpayer Identification Number (TIN/EIN) for the Partnership
Cannot be the Social Security Number of a partner
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
Documentation on each Beneficial Owner of the Limited Partnership
A Beneficial Owner is an individual who:
Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);
One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.
Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).
No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.
A completed Beneficial Ownership Form that includes information such as:
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
Certification that information provided is complete and correct
At least one individual appointed as Manager (or Managing Member) of the business within Articles/Certificate of Formation or most recent Public Information Report. If a state recognized Manager will not be signing on the account, a formal, notarized letter on company letter head authorizing the account to be established may be requested.
Articles of Organization (AKA Certificate of Formation or Certificate of Organization)
Certificate of Foreign Entity Registration and Foreign Articles of Organization (required if the LLC is opening an account in a state other than the state of original filing)
Assumed Name Certificate / DBA
Only required if corporation is doing business under a trade name
Example: If “Smith Construction LLC” also does business under “John’s Construction”, a DBA would be required
Also referred to as Fictitious Name Certificate or Name Registration
Franchise Agreement
Only required if corporation is operating as a franchisee
Proof that the LLC is active and/or in good standing in the applicable state
Typically referred to as a Certificate of Good Standing
In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses charted in Alabama must provide this documentation. Please contact your local branch for more information.
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each manager/member and any authorized signers
Taxpayer Identification Number (TIN/EIN) for the LLC
Cannot be the Social Security Number of a member (unless it is a single member LLC with no employees)
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
Documentation on each Beneficial Owner of the Limited Liability Company (LLC)
A Beneficial Owner is an individual who:
Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);
One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.
Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).
No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.
A completed Beneficial Ownership Form that includes information such as:
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
Certification that information provided is complete and correct
All general partners must be present and on the account. If the general partner is a legal entity, such as a corporation or LLP, the authorized representative (Director, Officer; Manager) of that entity may open the account. Legal entity general partners must be in good standing with the state.
Articles of Organization (AKA Certificate of Formation or Certificate of Organization)
Certificate of Filing (certifies Articles were filed with the state)
Certificate of Foreign Entity Registration of a Limited Partnership (required if the limited partnership is opening an account in a state other than the state of original filing)
Assumed Name Certificate / DBA
Only required if corporation is doing business under a trade name
Example: If “Smith Construction LLP” also does business under “John’s Construction”, a DBA would be required
Also referred to as Fictitious Name Certificate or Name Registration
Franchise Agreement
Only required if corporation is operating as a franchisee
Proof that the Partnership is active/and or in good standing in applicable state
Typically referred to as Certificate of Good Standing
In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses charted in Alabama must provide this documentation. Please contact your local branch for more information.
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each manager/member and any authorized signers
Taxpayer Identification Number (TIN/EIN) for the LLP
Cannot be the Social Security Number of a member (unless it is a single member LLP with no employees)
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
Documentation on each Beneficial Owner of the Limited Liability Partnership (LLP)
A Beneficial Owner is an individual who:
Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);
One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.
Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).
No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.
A completed Beneficial Ownership Form that includes information such as:
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
Certification that information provided is complete and correct
At least one individual appointed as Director or Officer of the business within Articles/Certificate of Formation or most recent Public Information Report. If a state recognized Director or Officer will not be signing on the account, a formal, notarized letter on company letter head authorizing the account to be established may be requested.
Certificate of Formation OR Articles of Incorporation
Certificate of Filing
Certificate of Foreign Entity Registration and Foreign Articles of Incorporation (required if the corporation is opening an account in a state other than the state of original filing)
Assumed Name Certificate/DBA
Only required if corporation is doing business under a trade name
Example: If “Smith Construction Inc.” also does business under “John’s Construction”, a DBA would be required
Also referred to as Fictitious Name Certificate or Name Registration
Franchise Agreement
Only required if corporation is operating as a franchisee
IRS Determination Letter
Only required if corporation is non-profit
Proof that the corporation is active and/or in good standing in the applicable state
Typically referred to as a Certificate of Good Standing
In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses incorporated in Alabama must provide this documentation. Please contact your local branch for more information.
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each authorized signer
Taxpayer Identification Number (TIN/EIN) for the Corporation
Cannot be the Social Security Number of an authorized signer/director/officer
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
Documentation on each Beneficial Owner of the Corporation
A Beneficial Owner is an individual who:
Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);
One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.
Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).
No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.
A completed Beneficial Ownership Form that includes information such as:
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner
Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)
Certification that information provided is complete and correct
Officers or authorized party identified within the meeting minutes and notarized letter.
Organization’s Charter
Organization’s By-Laws or Operating Agreement
Signed Formal Letter, preferably on letterhead, and Signed Meeting Minutes stating the Organization’s intent to open an account and who will be authorized to sign
NOTE: This document is NOT sufficient on its own, rather it may be used in conjunction with the Organization’s Charter and By-Laws / Operating Agreement
Girl Scout Accounts
Documentation on Girl Scout Letterhead authorizing the customer as troop leader
Boy Scout Accounts
By-Laws and letter from Chartering Sponsor (i.e.: Church or School) appointing Den Leader; Meeting Minutes reflecting discussion to establish account and identifying authorized signers.
Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
ID must be valid (non-expired)
Social Security Numbers for each authorized signer
Taxpayer Identification Number (TIN/EIN) for the association
Cannot be the Social Security Number of an authorized signer
Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)
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