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We'll be here when you need us

All SMCU branches and ATMs are open. SMCU branch hours of operation are Monday - Thursday: 9am-5pm, Friday: 9am-6pm and Saturday: 9am-2pm. ATMs are open 24/7 365 days a year and are safe and secure.

  • 20+ SMCU ATMs located at our branches and various SM County locations
  • 30,000+ surcharge free network ATMs nationwide which includes ATMs at other credit unions, 7-11 Stores, and Costco. Look out for the CO-OP Logo. Many of these network ATMs are cash withdrawal and deposit taking.
  • Traveling internationally? Look for these logos at ATMs to access cash. Note: Surcharges and exchange rates may apply. Use these ATM search tools to find a Plus/Visa ATM or Pulse ATM internationally.
Plus Logo    Pulse Logo   Visa Logo

  • Need to see us in person? If you'd like to setup an appointment at one of our branch locations or with our real estate team, please visit our appointments page.

Find an SMCU branch, ATM or one of over 30,000+ network ATMs by using our locator below. For international travel, please use these ATM search tools to find a Plus/Visa ATM or Pulse ATM.

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Mobile Banking
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Frequently Asked Questions

Yes. You can use over 30,000 surcharge free ATMs that are within our partner network, CO-OP. Many of these ATMs are cash withdrawal and deposit taking ATMs.  Look for the CO-OP logo.


With our SMCU ATMs and enjoy free, 24-hour/7days a week access to:

  • Check your balance
  • Deposit cash and checks
  • Withdraw cash denominations of $5, $20, and $100
  • Transfer funds between accounts
  • Make an electronic payment on certain SMCU loans from your SMCU deposit account
  • Change your PIN
  • Receive email and text receipts

Yes. When you make a deposit via ATM, you receive a receipt detailing the transaction. While making a deposit at an ATM, you have a chance to verify the amount or cancel the transaction. If the transaction is cancelled, your cash or check is returned. If something goes wrong, you can file a dispute with your local branch or give us a call at (650) 363-1725.

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