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New and Improved Digital Banking

What's New Watch the Videos How-To Guides Important Dates FAQs

 

How To Get On After Conversion:

 
 

New Mobile App


As an iPhone user, please update your app via your mobile phone. If you are an android user, please delete our old app and download our new one.
 
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What's New

 

We’re excited to announce major enhancements to both online and mobile banking are coming soon! From a new look and feel, to improved access we are making changes to better serve your financial needs.

Here are some of the improvements you can expect:

  • Integrated Experience: A single integrated Online and Mobile experience, with more features available on both platforms. Plus, if you previously shared a User ID, as a joint owner you can now create your own profile.
  • Design: A clean and modern look with improved navigation, easy-to-access menus, and a more intuitive and seamless integration across desktop, tablet and mobile banking.
  • Access: A new customizable Dashboard that lets you view all your accounts, upcoming payments, and transfers. Enjoy quick access to Bill Pay and Transfers.
  • Financial Management: Expanded financial management tools to help you set budgets, create spending categories, and view your accounts at other financial institutions.
  • Convenience: Card controls will allow you to block your Debit Cards if you suspect fraud. 
  • Security: The latest security features to confirm your identity with the use of a one-time passcode, helping keep your accounts and financial transactions safe and secure.
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Important Dates
There will be limited access to some digital features.
Stay Informed

 
See What's New
View the videos and get to know the new digital banking.
Watch Now


 
Be Prepared
Use these resources to learn how to navigate the new platform.
View Guides


 
Frequently Asked Questions
View some frequently asked questions about the upgrade.
View FAQs

Watch the Videos

Logging In For the First Time
See the process for getting logged in after the conversion.
Managing Your Finances
See how easily you can manage your finances with SMCU.
Payments and Transfers
Pay companies, people or deposit checks – easy and convenient.
All About Mobile
Bank on the go with SMCU’s mobile banking app!
All About Security
Learn how we protect you online and how to protect yourself.


How-To Guides

These guides will show you what is changing and how to complete transactions on the new and improved platform - like make a transfer, deposit a check, or create a savings goal or set a budget.  Click on the topic tabs or tiles to get started.

 
Overview
Go Digital! View and manage your accounts, deposit checks, and schedule transfers without having to make a visit to a branch.
Logging In for the First Time
Whether you're a primary or joint owner, a business account or a new user, we'll help you get logged on. 
New Bill Pay
You will be able to continue to pay companies or people from your accounts with our new bill pay interface.
Linking External Accounts
Link your external accounts to get a full view of your financial life, or link to transfer funds to and from your SMCU account.
Setting Up Notifications
Get notifications on your account activity and easily be alerted on your mobile phone or by email.
External and Member-to-Member
Add external accounts for easy bank to bank transfers or transfer to another SMCU member.
Making Transfers
Set up recurring transfers for easy saving, transfer between your accounts and see what’s scheduled.
Mobile Deposits
Deposit on the go with SMCU Mobile Deposit.  Avoid the lines, save on the gas and go mobile!
Savings Goals
Saving for a trip or big purchase? Create and monitor savings goals easily.
Track Spending
Create budgets, assign categories and see how you are doing each month.

Important Notices and Dates To Remember


Below are some important notices and dates to keep in mind. There will be limited access to some digital banking features as we transfer everything to our new enhanced platform. We apologize for any inconvenience and encourage you to be mindful of these important dates to ensure you’re prepared.

 
If you use Intuit products (Quicken, Quickbooks) or aggregation services like Mint, your service will be temporarily interrupted as we complete the upgrade process.

Intuit Product Users should download a QFX/QVO file no later than June 8.

The following services will not work during the outage:

• Quicken Win/Mac Express Web Connect
• QuickBooks Online (QBO)
• Mint (Please do not open Mint for 3-5 business days after the conversion to ensure the Mint product is properly updated. No additional action should be required.)

Please refer to these conversion instructions (PDFs) for further assistance and for important dates on when completing the reactivation process, depending on your product this could be June 9 or June 16:
  Questions?
 
 
• Any linked accounts from other financial institutions will not transfer over to the new online banking platform. Please collect this information before June 1 to re-link any external accounts from other financial institutions.
• Android users will have to un-install the current SMCU Mobile app then re-download the new one from Google Play. The new mobile app will be available on June 9.
• If you have previously shared a User ID with the primary owner, you will now be able to register with your own User ID and Password. Call us after June 9 to get started at (650) 363-1725.


Frequently Asked Questions


About the Upgrade
 
SMCU is dedicated to keeping you connected to your finances online and on the go with our mobile app.  Now more than ever it is important that we upgrade to a more robust digital banking experience to help you stay connected and to manage your finances.
 
The most popular features and services you are familiar with like checking balances, mobile deposit and internal transfers will remain available and be improved. Our new digital banking upgrade will also provide a new streamlined Bill Pay and external transfer service in addition to some of these improvements:
 
  • Integrated Experience: a single, integrated online and mobile experience with more features available on both platforms. Plus, if you previously shared a User ID, now joint owners can create individual profiles.
  • Design: a clean and modern look and feel with improved navigation, easy-to-access menus, and a more intuitive and seamless integration across desktop, tablet and mobile banking.
  • Access: A new customizable dashboard lets you view all your accounts, upcoming payments, transfers, and quick access to Bill Pay and transfer widgets.
  • Financial Management: Expanded personal financial management tools to help you set budgets, create spending categories, and view your accounts at other financial institutions.
  • Convenience: Debit and credit card controls will allow you to block your credit or debit cards if you suspect fraud. 
  • Security: the latest security features to confirm your identity with the use of a one-time passcode, help to keep your accounts and financial transactions safe and secure.
We are currently working on the upgrade and expect to launch in early June 2020. Please note, existing users will receive a temporary password to login for the first time. Make sure your contact information is up-to-date so you don’t miss a thing.
 
On this page you can view videos, demos and more information leading up to the upgrade. We will post regular updates here and within our current online banking platform.

To ensure you receive important information about the upgrade:
 
  • Ensure your contact information is current with us so we can connect with you about these important changes.
  • Make note of what transfers, bill payments, and eBills you currently have set up so you can ensure they all transfer correctly or re-set up the ones that need to be reconnected. Don't enroll any new eBills as those will not convert over.
  • Get familiar with our important dates, as these impact your ability to update your account, and make one-time transfers and bill payments.
After the upgrade becomes available:
 
  • Android users will need to delete the old app and download the new version of our mobile banking app.
  • Apple users will need to update their current mobile banking app.
To find this information, check your statement in online banking under Statements or on the printed copy of your statement. The name listed first is the primary account owner. Joint owners will now be able to create their own username and password.
If you have previously shared a username and password with a primary owner, you will now get to register with your own username and password. When we launch in June, please call us to get started in establishing your own username and password. You will need the following: member number, SSN/TIN, birthdate, email and zip code.

Bill Pay, eBills and Transfers

 
Bill Pay will have an improved user interface and improved access across online and mobile banking. You will now be able to add and manage payees from the SMCU mobile app. Your current payees and any recurring Bill Pays will transfer over.  IMPORTANT: As we get closer to our launch in June, there will be important dates when Bill Pay is not available for a temporary period. You will have to need to schedule any payment prior to these dates. Make sure your information is up-to-date so you don’t miss these important communications.
 
You can pay almost any company or individual in the U.S. You can pay a U.S. based company with an address or person via a text or email. even if your biller isn’t set up for online payments.

You can also:
 
  • Set up automatic payments for recurring bills — like rent or your cable bill.
  • Make one-time payments for bills that differ each month — like a phone or utility bill.
Electronic bills (eBills) are online versions of paper bills that you receive, view, and pay through Bill Pay. The eBill arrives into your Bill Pay account much like a paper bill would arrive in your physical mailbox although the format may be different. You can print eBills for your records and set reminders for yourself to pay the eBill when payment is due or set up automatic payments. IMPORTANT: Following the launch, you will need to re-setup eBills. You will automatically be unsubscribed by your vendor and will begin receiving paper statements. Tip: if you un-enroll about 30 days in advance you will receive a paper statement in plenty of time to have all the info you need on hand to re-subscribe right away.
 
You will still be able to conduct internal transfers, external (bank to bank transfers) and member to member transfers.
 
  • Internal Transfers – any recurring transfers you have set up will transfer over to the new platform.
  • External Transfers – your external bank to bank transfers and external account information will transfer over. However, As we get closer to our launch in June, there will be important dates that access to External Transfer will be unavailable for a temporary period. You will need to schedule any transfers prior to these dates. Make sure your information is up-to-date so you don’t miss these important communications.
  • Member-to-Member – any of these transfers you have set up will transfer over.
To set up a transfer to another SMCU member, you will need the following info:
 
  • Member’s last name
  • Their member number
  • Share or Loan ID
Click the Classic Transfer tab, then “Transfer to another SMCU Credit Union member.” After entering the member info for the destination account, you may save the account for later by checking “Save Account for Future Use.” Once it is saved, you will see it in the “To Accounts” for both Quick Transfers and Classic Transfers with the shared account symbol.
 
You can add an account at another bank or credit union to your transfer list by going to Classic Transfer and clicking “Add an external account.” A pop-up will ask you for the account and routing number and will also require a nickname to label the account in your transfer list. After the account is added it will need to be verified.

Once the account is added and verified, you will see it appear in both Quick and Classic transfers. You will be able to both withdraw from an SMCU account and deposit to the external account and deposit from the external account into your SMCU account. See the How-to Guide on transfers for step-by-step instructions.
 

Common FAQS

 
FICO scores are a three-digit number based on information in your credit reports.  A summary of your credit scores from the three major credit bureaus is a new feature in online and mobile banking. If you have an SMCU loan your FICO scores will be updated quarterly.
 
SMCU’s new online banking works best with the following browsers and devices:
  • Google Chrome: Latest two versions
  • Firefox: Latest two versions
  • Microsoft Edge: Latest two versions
  • Internet Explorer: v11*
*Limited Support: Some functionality may not work as expected. Internet Explorer 11 users will still be able to access essential functionality of online banking.
Please also make sure you have disabled any pop-up blockers as those will limit your ability to use some online banking functions.

Operating Systems / Devices:
  • Windows: versions that are still supported by Microsoft and support a browser listed above
  • OSX: versions that are still supported by Apple and support a browser listed above
  • Android: v6 and above
  •  iOS: the last two major releases
After logging in for the first time, you may update your username and/or password by visiting the Security tab within the Settings menu, located in the drop down next to your existing username. There, you’ll be able to update your username and/or password as well as manage multi-factor authentication options.