Explore Digital Banking

You can register for your personal or business accounts by visiting our online banking registration page. To register as an individual, you will need your member number, SSN or TIN and at least one of the following: birthdate, email or zip code. To register as a business, you will need your member number, EIN or TIN and at least one of the following: email or zip code.

Download our apps by visiting the App Store or Google Play:
 

 

 

Your checking, savings, and CD/IRA account information as well as loan information is updated each time you log into your Online Banking so that all pending as well as posted transactions are displayed and reflected in your available balance.

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
• Safari: Last two major 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.

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.

To send a secure message, login to online or mobile banking and use the Message Center widget. We’ll reply within 1-2 business days. If you need more immediate assistance, please call (650) 363-1725 weekdays 8:00am – 6:00pm (PT) and Saturdays 9:00am – 3:00pm (PT).

To view your eStatements, simply click on the “eDocs” widget. You can view your eStatements for your checking, savings and credit cards as well as any other personal loans. To view statements for your first mortgage, visit our first mortgage partner site.
 

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. 

You can conduct internal transfers, external (bank to bank transfers) and member to member transfers.
 

• Internal Transfers – transfers between your accounts at SMCU.
• External Transfers – transfers to and from accounts you own at other financial institutions. 
• Member-to-Member – transfers between you and other SMCU members.

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.

 

Loan payments can be made by transferring money from a checking or savings account into the loan account as you would with any other transfer. You can also add an external account that you own at another financial institution to make a payment to your SMCU loan.