Tools and resources to access and manage your money safely and easily.


Helpful PDFs for frequently used forms.

Online and Mobile Services

Monitor your Wakota account information day or night from any computer, tablet or phone.

Forgot your password?

Go into It’s Me 247 and click “I forgot my password.” You’ll be asked to answer the three security questions you set up when you first enrolled, and you can then change your password. If you need more help, call us at 651-451-3330.

Debit Card Controls

Total control, wherever you go!

You can now temporarily lock your card if you lose it or see possible fraud, report it lost and view activity.
Mobile App: Click the ‘MORE’ button at the bottom menu, under Member Service click on ‘Manage My Cards’. Finally select the card you wish to control.


*Please note this feature is only available on the mobile app and not online banking.

Pay your loan payment online

You told us what you needed and we listened! You can now make a loan payment online or over-the-phone from a different financial institution.

Mobile App with Mobile Deposit!

Download the Wakota FCU Mobile App for easy access to your accounts. While you’re there, enroll in Mobile Deposit where you can quickly snap a photo of a check for deposit. 

Set up Biometric Authentication for our Mobile App today! Sign in with your face, fingerprint, voice or a pin*. Enroll right from the app on your phone. The future is here! This is a free service*, with no monthly service fees.

*What Authentication options are available?
What Authentication options are available?

Voice Recognition: Use your voice to authenticate, the member records and submits a passphrase. This setup requires the member to record a voice phrase 3 times, once enrolled the member will repeat the phrase to authenticate.

PIN: Use a 4-digit PIN to authenticate.  To establish PIN authentication the member will enter a chosen 4-digit PIN, and then re-enter the PIN to confirm.  To authenticate with PIN, the member verifies the PIN they created.

Fingerprint: Use the fingerprint verification feature on your mobile device to authenticate.  To setup fingerprint verification, the member will need to verify the fingerprint that is currently setup on their device.  Fingerprint verification will only show for those mobile devices that have this capability. To authenticate with fingerprint, the member will be asked to place their finger on the device’s sensor.

Face Recognition: Use a face profile to authenticate.  To setup face recognition, this requires an analysis of the member’s face.  To authenticate with face recognition the member will center their face within the circle and watch the bar at the top for a high-quality image and perform a liveliness test, like blinking.

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IT’S ME 247 Online Services

Gain instant access to your accounts when you need it! All you need to get started is your account number. Enroll today at It’s Me 247.

This is a free service*, with no monthly service fees.

Bill Pay: It’s Me 247 also includes a free* bill pay service.

Bill Pay services include:

Check out the features to the new and enhanced bill pay! Did we mention it’s FREE!

  • Pay all your bills electronically
  • Authorize checks to be sent… from babysitters to utilities
  • Keeps a payment history register
  • Set up recurring payments or one time payments
  • Schedule payments at your convenience
  • Add merchants quickly with just an account number, phone number and zip code
  • You have complete control
  • Monitor the status of your payments in progress at any time
  • Payment calendar to schedule payment reminders
  • Receive a notice when e-bills arrive

Click here for more information about the Bill Pay Upgrade and ‘How-to’ videos.

Receive an email to let you know your electronic statement is ready and view your information anytime, anywhere. It’s easy to sign up for e-statements! Simply log into It’s Me 247 Online Banking and register today.

These are all free services from Wakota Federal Credit Union, with no monthly service fees! All you need to get started is your account number.

What are you waiting for?

It’s Me 247 Mobile Text Banking

Receive banking information in a convenient way by texting Wakota FCU at IM247 (46247)!  Through this option your credit union can keep you informed with real-time alerts about account information.

More Information and How to Sign Up!

With Text Banking You Can…

  • Send a text message command to receive text message replies regarding the balance of your eligible accounts.
  • Enroll in e-Alerts and receive notices regarding account balances, deposits, withdrawals, or when a payment is due.

Text Banking Commands

The following are Text Banking command examples and their responses. You can also access a list of these commands via a link in online banking during the Text Banking enrollment process.  These commands can be sent to IM247 (46247).

BALBalance for all eligible accounts
BAL BIZBalance for up to three savings or checking accounts
BAL 010Balance for a specific account
BAL BIZ 010Balance for a specific membership and account combination
STOPTurns off all text banking
STOP BIZTurns off text banking for a specific account
HELPThe customer service number

One-Way Text Alerts

You can set up one-way Text alerts via the e-Alert Subscriptions page, and create alerts similar to your standard e-Alerts:

  • Account Balance
  • Notification of an ACH Deposit or Withdrawal
  • Notification that a Loan Payment is due
  • E-Notice notification

How Much will this Cost?

Please see the Text Banking page in online banking for fee disclosures or visit our Fee Schedule page. In addition to any fees the credit union may charge, your mobile phone carrier may charge you standard text messaging fees. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

How to Get Started?


You can enroll in Text Banking by clicking on the “Go Mobile” button on the It’s Me 247 toolbar. Then select Text Banking Home to access the enrollment screens.  After enrollment, text commands to IM247 (46247).Go Mobile

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My Virtual StrongBox

Sign up today from your It’sMe247 online account. It’s free, there is no cost to sign up or use the cloud storage. If you have further questions regarding this new service, please contact us at 651.451.3330.

Online Banking How-To Video Series

It’s Me 247: Online Banking Overview

Making a Person-to-Person Payment

Subscribing to eNotices & eAlerts

It’s Me 247: Enrolling in eStatements

Mobile App Basics

Depositing a Check Remotely

In-Office Services

Wakota FCU is proud to provide an array of services to our members.

VISA Gift Cards

Don’t make shopping harder than it has to be. Stop in and buy a gift card today!

VISA Gift cards can be used...

VISA Gift cards can be used anywhere VISA debit cards are accepted. Cards can be purchased from Wakota FCU for a nominal fee. The minimum dollar amount that can be loaded is $10 and the maximum is $1,000. Cards can be used in person, over the phone or online.

VISA Gift cards are perfect for any occasion from birthday to graduation to wedding to retirement. Stop in to our office and get your card today or call 651-451-3330 for more information.

VISA Travel Cards

The VISA Travel card has replaced Traveler’s Checks.

How to use the VISA Travel card...
The VISA Travel card can be used at all VISA locations when traveling domestically or internationally. Just present your card at the time of purchase and the amount will be deducted from your card balances. It is available 24 hours a day/7 days a week. The card can be used to withdraw cash from an ATM. Funds can be deposited from your Wakota FCU checking or savings accounts via You may also check your balance, transactions or report a lost/stolen card by visiting or by calling toll free 1-877-850-9650. Travel cards can be purchased at Wakota FCU. The are re-loadable up to three times. The minimum load amount is $100 and the maximum is $5,000.

Lost/Stolen Travel Card Call 1-877-850-9650 or visit

Wire Transfers

Further information on wire transfers.
Incoming wire transfers are processed through our Corporate Credit Union and then forwarded to us.

Wakota FCU does not participate in any international wires.

For incoming wiring instructions or outgoing wire application please contact us at 651-451-3330 or stop by our branch in South St. Paul.

Safe Deposit Boxes

Wakota FCU has safe deposit boxes on-site for rent.
There is an annual fee, which is based on the box size. Box sizes are as follows:

  • 3″ x   5″ (Silver Service discount available)
  • 3″ x 10″(Silver Service discount available)
  • 10″ x 10″

There are seven grace days with the late fee assessed on the 8th day. Contact us at 651-451-3330 to find out what sizes are currently available.

Other In-Office services include:

  • Money Orders (Silver Service members receive three free money orders per month.)
  • Cashier’s Checks
  • Certified Checks
  • Notary Service (Non-members are charged for this service.)

Silver Service Club

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