Frequently Asked Questions

What is Wildfire's address?

• 6640 Bay Rd. Saginaw, MI 48604
• P.O. Box 3285 Saginaw, MI 48605

What is Wildfire’s Routing Number for Direct Deposit?

Our routing number is 272484713, and here is a link to Wildfire's Direct Deposit form.

When do Automatic Clearing House or ACH (ex: Direct Deposits) Post?

We process ACH files from the Federal Reserve several times a day. We have postings around 1:00 A.M., 7:00 A.M., 12:00 P.M., and 4:00 P.M. This includes all member transactions, both deposits and withdrawals.

How much do I need to open an account?

$5 will cover your general membership at Wildfire Credit Union.

How do I change my address and contact info?

Here are a few easy options: 

• In Online Banking, choose "My Profile" within the "Self Service" drop down.
• Contact us to sign electronically.

Where can I find my account number?

• On your membership card, your checks, or you can reach out to us.
• For all new members, your account number will also be in your welcome packet.

How do I increase the limit on my debit card?

Contact us to increase your daily limit on debit card purchases or ATM transactions.

How do I increase the limit on my credit card?

A Visa application will need to be submitted to increase your limit.

• Apply Online
• Phone: 989.249.8200
• Schedule Appointment

Why is my debit card or credit card not working?

1. You may have reached your daily spending limit.
2. There may be a suspected fraud transaction.
3. Card may be expired, out of service, or frozen.

Do I need to place a travel alert on my cards and how?

If traveling within the United States you do not need to place a travel alert as long as your phone number on file is correct for fraud monitoring.

If traveling internationally, send us a secure message, call us, or stop into a branch.

How do I get my PIN for my new Debit or Credit Card?

You can set your PIN for your Wildfire Debit or Credit Card by calling 1.866.304.8760.

Option 1 to activate the card and set a PIN number for your new card.

Option 3* to change your existing PIN if you know your current PIN.

*If you are unsure of current PIN number, please give our Contact Center a call at 989.249.8200 to reset existing PIN.

What should I do in the event I do not recognize a transaction on my online banking or mobile app over the weekend?

You can lock and unlock your card at any time to avoid any additional suspicious charges. To lock, navigate to "Manage Cards" under "Self-Service" in online banking or "Cards" in the mobile app. You may also call us at 989.249.8200.

How long do I have to dispute a transaction on my account?

Please notify us as soon as you notice an error in order to limit your liability.

What if I signed up for a free trial and am now getting charged?

Reach out to merchant before disputing.

How do I apply for a loan?

• Apply Online
• Phone: 989.249.8200
• Schedule Appointment

Do I have to make an appointment to apply for a loan in branch?

No, but we always recommend scheduling an appointment so we can assist you right when you arrive. 

Schedule Branch Appointment

What is the normal approval time for a loan application?

After an application is submitted for approval, we typically have a turnaround time of same day or next business day pending loan volume.

What is Wildfire's ELT code for electronic vehicle titles?

LH044753

Loan payment methods?

Payment Over the Phone: Pay Wildfire loan payments via ACH or Debit Card* from another financial institution by calling 989.249.8200 during business hours (credit card payment unavailable).

• * Debit card payments will post in two business days and ACH transactions next business day.

Connect Accounts: Send money in online banking between your Wildfire account and another credit union or bank.

• How to connect accounts

Mobile Deposit: Deposit checks into eligible Wildfire accounts within our mobile banking app.

Automated Clearing House (ACH): Setup recurring loan payments automatically from another institution by contacting us. 

Does Wildfire offer foreign currency exchange?

No.

Does Wildfire accept bonds?

We do accept bonds for our members only.

Does Wildfire Credit Union send and receive wires?

Yes, we handle both incoming and outgoing wire transfers within the United States.

What is the cost for sending or receiving a wire?

Incoming wires are $10 and outgoing wires are $20.

Where can I find my Cash Back balance?

View a real time balance under "Rewards" in the "Rewards & Escrow" section in your Online Banking or Mobile Banking App.

Balances are also available on your monthly Visa statement.

How do I redeem my Cash Back?

You can redeem in our Online Banking or Mobile Banking App.

1. Choose "Make a transfer" from the "Move Money" menu.
2. Then select your "Rewards" account in the "From" dropdown.
3. Choose the account or loan you would like to transfer to, the amount, and then click the submit button.

Will my Cash Back expire?

Yes, your cash back will expire in four years from the date you earned them.

Will I be notified when my Cash Back is expiring?

Yes, you will receive a notification on your statement before your cash back expires.

What if I don't see Cash Back on my account after making a purchase?

No need to worry, your cash back will appear once the merchant posts the transaction. Merchants can post as early as the same day or over the next few days.

If my Visa card gets lost or stolen will my Cash Back transfer to my new card?

Yes, your cash back will remain on your account even with a new card.

If fraudulent charges occur on my account, do I get to keep the Cash Back the charges earned?

No.

If I travel out of the country, will the international fees charged by Visa earn Cash Back?

No, international fees will not earn cash back, only transactions.

How do I activate a gift card?

Call 1.866.244.5360 and follow the prompts.

How do I check gift card balance?

Head over to harlandclarkegiftcard.com or call 1.866.244.5360.

Can my gift card be reloaded?

No, the gift card cannot be reloaded.

Should I select debit or credit at the point of sale?

Select credit for signature transactions and debit for POS transactions using your PIN.

Does my gift card have an expiration date?

Yes. The funds on this card will be available until spent or until the date shown on the front of the card which is at least 5 years from the date the value was loaded.

Can I get back cash from a merchant?

No, cash back is not an option on your gift card.

How are merchandise returns handled?

Each merchant location has its own return policies and will handle the returns in the same manner as a Visa debit purchase.

What happens if my gift card is lost or stolen?

You should immediately report any problems or a lost or stolen card by calling Harland Clarke toll-free support line at 1.866.244.5360. A replacement card will be issued and any available balance will be transferred to the new card, less the $5.00 lost/stolen fee that will be deducted from your card’s available balance (a new card issuance fee may also apply).

What happens if there is a balance remaining on my gift card after it expires?

Any remaining funds on the card after the card expires will no longer be available.

Are tips automatically included with purchases?

Tips may be automatically covered during the purchase (usually around 25%).

How do I purchase gas with a gift card?

Paying at the pump requires at least a minimum balance of $100. If your gift card balance is less than $100, you can use the card inside the station. As long as purchase does not exceed balance.

Can I use my gift card to shop online?

Some merchants require address on file for verification, register your card online at harlandclarkegiftcard.com. Login as "Returning Cardholder" and follow instructions to register card. Your card may not be used at age restricted online merchant sites.

I signed up through the Wildfire Credit Union link, but I was just charged a monthly fee.

Please contact Greenlight Customer Service by calling 888.483.2645 or texting 404.974.3024 and inform them you would like to be added to the Wildfire Credit Union partnership program.

Can existing Greenlight customers be added to the program?

Yes! Once existing Greenlight customers add their Wildfire checking account as a funding source, they can reach out to Greenlight customer service and request to be added to the Wildfire partnership program.

Can I send money to my child's Greenlight card from the Wildfire Credit Union app or website?

No, Greenlight is its own individual app, but within the Greenlight app you can send money to your child’s card, turn their card on/off, set up spending controls, allowance, chores and more.

Is there a minimum age to have a Greenlight card?

We support kids and grownups of all ages. No minimum (or maximum) age here. The Primary must be at least 18 years old and a U.S. resident.

Is this a debit or credit card?

Greenlight is a debit card for kids, not a credit card. Parents load money onto the card from their own funding source connected through their Greenlight app. And because it’s a debit card, kids can’t spend what isn’t there.

Is there an app for kids?

Kids and parents will both use the same Greenlight app you see in the App Store or Google Play Store. There are two different experiences and individual login credentials. Parents can set up their child’s login under the child’s profile settings.

Is Greenlight safe?

Greenlight debit cards are FDIC-insured up to $250,000 and come with Mastercard’s Zero Liability Protection. Greenlight blocks ‘unsafe’ spending categories, sends real-time transaction notifications, lets parents turn cards off at any time, and gives parents flexible ATM and spending controls.

Can Greenlight card be used internationally?

Yes, the Greenlight card can be used internationally in most countries, and there are no international fees or any foreign transaction fees! View the complete list of countries where it cannot be used.

How long does it take for my debit card to arrive?

After completing registration or requesting a replacement card, your debit card will arrive within 7-10 business days. If you would like to expedite your shipping for your card to arrive within 2-3 business days, you can call our customer service team at 888.483.2645 within 12 hours of signing up. You can request to have your shipping expedited for a one-time fee of $24.99.

How do I verify my funding source?

Credit Union Account

If you are prompted to verify your credit union account when manually adding your funding source, you will receive 2 small deposits of $1.00 or less in your credit union account within 1-2 business days. To verify your credit union account as a funding source, you will need to input the 2 micro deposit amounts into your Greenlight app when prompted to verify. If you do not see these deposits within 3 business days, please contact your credit union directly and have them take a look at the status of your credit union account. Once you complete verification, the 2 micro deposits will be removed from your credit union account to offset the deposit amounts.

Debit Card

Once you add your debit card as a funding source and make your initial funding load, you should see 2 transactions on your debit card that add up to the initial load amount. You will need to confirm these transactions within 3 business days in the Greenlight app to verify your debit card. If you do not see these transactions within 4 business days, please contact your credit union directly and have them take a look at the status of your bank account.

How do I activate my child's Greenlight debit card?

When your child's card arrives, follow these simple steps to activate it right away:

1. Open your Greenlight app. From your Parent Dashboard, you should see a notification prompting you to activate your child’s card.
2. Tap on the notification and input the card's expiration date in the app to activate it.
3. Next, visit your child's dashboard by clicking their square at the top of your Parent Dashboard.
4. Select "Manage Card" then "Set debit card PIN." After the PIN is set, your physical card is activated and ready to use!

How can I check my child's spending history?

We have made it super easy to check your child's spending history.

1. Navigate to your child's dashboard.
2. Click on the Spending tile.
3. At the top right, click on "History."

You then have the ability to filter the view to see spending history for the last 30 days, 90 days, or 12 months as well as grouping transactions by stores.

More Questions?

Visit Greenlight’s Help Center or call Greenlight Support at 888.483.2645.

What is Equity?

Equity is the difference between how much your home is worth and how much you owe on your mortgage.

What are the fees for a Home Cash Equity Loan?

$125 (other fees may apply).

What are the fees for a Home Equity Line of Credit (HELOC)?

Closing costs may apply.

What is an escrow account?

An escrow account is established to hold money collected by your lender to pay your hazard insurance (homeowners insurance), mortgage insurance (PMI) and property taxes when they become due.

Your monthly mortgage payment includes an amount, approximately 1/12 of the anticipated total annual tax and insurance due. This account may contain a cushion, also referred to as a reserve.

What is a cushion?

The cushion is a required dollar amount to remain in the escrow account to offset unanticipated increases in the property tax amounts or insurance premiums. This amount cannot exceed 1/6th of the total amount of items paid out of the escrow annually.

What is a shortage?

A shortage occurs when your escrow account does not have sufficient funds to pay for property taxes and/or insurance premiums. Unexpected increases to the items paid through your escrow account can cause a shortage. For example: if property taxes increase from the prior year, your escrow account must fund the full amount due. The difference would be included in the shortage amount. You will have two options to pay the shortage:

1. Pay the shortage amount in one full lump sum. Typically, your monthly mortgage payment will still increase but for a lower amount than when choosing option 2. If you would like to pay your shortage in full, please contact the Mortgage Servicing department, no later than February 26th, 2025 to allow time for escrow analysis to be re-ran. 989.249.8200, ext. 1004.
2. Pay the shortage amount monthly with your mortgage payment. The shortage will be spread over 12 months and added to the monthly payment. This will happen automatically as part of the escrow analysis process.

Can the monthly escrow payment still change without a shortage occurring?

Yes. If any annual disbursements change, the monthly collection amounts will be calculated based on the new amounts due.

What is an overage?

An overage occurs when your escrow account has more funds than required at the time of the analysis. For example: if your insurance premium decreased from the year prior, the premium amount paid would be less than anticipated. The difference would be included in an over amount. The overage amount will be refunded in one of two ways:

1. If the overage is less than $50, the funds will remain in the escrow account.
2. If the overage is over $50, and your loan is current a refund check for the overage amount will be included with Annual Escrow Account Disclosure Statement and mailed to you.
   • The overage amount cannot remain in the escrow account or be treated as a prepayment of escrow funds. Real Estate Settlement Procedures Act (RESPA) requires the overage funds to be sent back to you.

How to Read Your Annual Escrow Account Disclosure Statement

An escrow analysis of your escrow account is completed annually to determine if sufficient funds are being collected. You will receive the results to the escrow analysis on an Annual Escrow Account Disclosure Statement.

*Click on the image to make it larger.

The second page of the Annual Escrow Account Statement includes an account history detailing actual deposits and disbursements from the escrow account since your previous analysis.

*Click on the image to make it larger.