FAQs

A digital bank is a financial institution that operates entirely online without physical locations. It provides banking services such as savings accounts, checking accounts, loans, and investment opportunities through digital channels like websites and mobile apps.

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Yes, digital banks use advanced security measures such as multi-factor authentication and encryption to ensure the safety of your transactions and personal information. Additionally, digital banks are regulated by financial authorities that oversee traditional banks with physical locations.

Digital banks offer convenience, lower fees, higher interest rates on savings accounts, and innovative features such as mobile check deposit. You can manage your finances anytime, anywhere, without needing to visit a physical office.

Opening an account with us is simple and can be done entirely online. Just visit our website or download our mobile app, follow the instructions, and provide the necessary information. You may need to verify your identity using government-issued ID and other documents.

If your debit card is lost or stolen, please contact us immediately at M-F 7:30 AM to 5:30 PM ET at 800-865-7653, or outside of business hours at 800-472-3272.  You can also temporarily turn your debit card off by choosing the Cards tab in online banking, or by choosing Cards from the More menu in your Windward Bank mobile app.

If you suspect fraud of any kind, contact us immediately M-F 7:30 AM to 5:30 PM ET at 800-865-7653, or outside of business hours at 800-472-3272 and report any suspicious activity or suspected fraud. We will investigate the issue and take appropriate actions to secure your account(s). It’s always a good idea to immediately change your online banking password if you suspect fraud.

We employ industry-standard security protocols including encryption, firewalls, and secure authentication methods to safeguard your personal and financial information. We regularly monitor for suspicious activities to prevent fraud.

Yes, we have a mobile app available for both iOS and Android devices. You can download it from the App Store or Google Play Store respectively.

If you're experiencing difficulty accessing your account, please try clearing your browser cache and cookies or using a different browser. Our app requires iOS 13.0 or later for Apple devices and Android 8.0 or later for Android devices. For the best experience, use the latest version of your browser.

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If the issue persists, contact our Solutions Desk Customer Service at 800-865-7653 or submit an online request for further assistance.

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Our customer support is available Monday – Friday 7:30 AM to 5:30 PM Eastern Time. However, you can also submit an online request or leave a message outside of these hours, and we'll get back to you as soon as possible.

Some of our accounts may have fees associated with them, such as transaction fees. Please refer to our fee schedule or account terms and conditions for specific details.

Yes, you can link external accounts to transfer funds between your accounts. This process may require verification to ensure security and compliance with regulations.

You can deposit money into your account through various methods such as electronic funds transfer (ACH), mobile check deposit, wire transfer, and direct deposit. Specific instructions can be found on our website or mobile app.

Some of our accounts may have minimum balance requirements, while others may not. Please refer to our account terms and conditions or contact customer support for specific details.

Currently we offer Certificates of Deposit, Checking and Savings accounts.