Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click the green "Apply For A Loan" button located in the upper right hand corner.

              

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click the green "Apply For A Loan" button located in the upper right hand corner.

              

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click the green "Apply For A Loan" button located in the upper right hand corner.

              

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click the green "Apply For A Loan" button located in the upper right hand corner.

              

SMCU OnLine Login

Online Services

SMCU offers a variety of online services for your convenience. To view a bit about each one please browse the tabs below. To learn more about any one particular service click the "Learn More" link.

SMCU OnLine provides convenient access to all your SMCU accounts, 24 hours a day, seven days a week, from any computer with an Internet connection. You will also have access to excellent services such as Bill Pay, eStatements, Alerts, and more online. As a SMCU member you can:

  • Manage your money online safely and securely for free.
  • Monitor your transactions and see a complete history of all your deposits, withdrawals, transfers, purchases, ATM activity and more.
  • Transfer funds, and view real-time balances and transactions.
  • Apply for loans.
  • Pay recurring and one-time-only bills.
  • View images of cleared checks.

Enroll in SMCU OnLine by clicking here or contact us for more information.

Don't have stamps? Don't worry with Bill Pay. When you enroll in Bill Pay, you can safely and easily pay your bills online for FREE.

  • Submit a one-time payment for any bill.
  • Set up automatic recurring payments for specified payees with any date and amount of your choice.
  • Pay any company or individual with a U.S. postal address.

SMCU Bill Pay Payment Center

The Bill Pay Payment Center is the single point of access for most bill payment activities. Here you can make payments, view and pay bills, and review your outgoing payments and bill history.

To enroll in SMCU Bill Pay, login to SMCU OnLine or contact us for more information.

MONEY LINK

A Convenient Transfer Service That’s Free to SMCU Members

For those of you who utilize the services of another financial institution in addition to San Mateo Credit Union, we are pleased to introduce Money Link—a new SMCU OnLine service that lets you transfer funds between SMCU and other banks or credit unions in the United States.*
 With Money Link, you can:

  • Make secure transfers between your SMCU checking, savings, and money market accounts and your checking, savings, and money market accounts at another institution
  • Schedule a one-time transfer
  • Schedule a single or several automatic recurring transfer(s)

It’s fast, easy, and convenient, and offers greater security than sending a paper check. 

To start taking advantage of the benefits of Money Link, log on to SMCU OnLine or call our Contact Center at (650) 363-1725 for more information.

* Not available for business accounts
Limits and Fees

Save paper. Save Time. Save space. Save money.

It's really that simple.

What are eStatements? eStatements are electronic copies of your account statements you can view online. Plus, they are fast, secure and convenient.

eStatements are free and available to anyone enrolled in SMCU OnLine.

Top 10 Reasons to Start Using eStatements

Reason No.1 - Save Paper
That's a no brainer.

Reason No. 2 - Security
Thieves can't steal what's not in your mailbox.

Reason No. 3 - Reliability
It's just nice to know that some things are there for you whenever you need them.

Reason No. 4 - Speed
Get your statements faster than you can say, "Honey, did we get our statement yet?"

Reason No. 5 - Access
Balance your checkbook from anywhere. Use your imagination.

Reason No. 6 - Simplicity
Enrolling is simple. If it doesn't work out for you, ask one of your kids to do it.

Reason No. 7 - Organization
Unlike your shoebox filing system, you can find what you need when you need it.

Reason No. 8 - Convenience
It's like having your very own branch at home.

Reason No. 9 - Clutter-Free
Now, let's find a better use for that kitchen drawer.

Reason No. 10 - Money Savings
Did we mention it's free?

Get started. Enroll today. Simply log on to SMCU OnLine and send us a secure message, or call (650) 363-1725 or (888) 363-1725.

Account Activity Alerts

Set them and get them: Account Alerts for debit and credit cards.

Staying on top of your account activity isn’t always easy. So SMCU offers free Account Alerts—a convenient way to safeguard your finances and protect against fraud.

By setting up one or more of the Account Alerts below, you’ll receive an email or text message (your choice) when certain transactions are performed or changes in your account occur. That way if there’s a transaction you don’t recognize, you can let us know right away.

Please Note: Different Account Alerts are available from different SMCU partners and you may need to create an account with those partners to access the alerts. Follow the instructions below to set your alerts today! You can sign up for as many as you’d like based on the accounts and cards you have.

SMCU Account Alerts – you decide what type of activity you want us to monitor for any of your accounts: Checking, Savings, Money Market, Share Certificates, Health Savings, and Credit Cards. Choose from a variety of parameters to customize your alerts. For example:

  • There is a withdrawal in excess of a certain amount
  • Your balance falls below a certain level

To set theses alerts, log in to Online Banking at the top-left of this screen, click on "Settings" in the top right navigation then select "Security and Alerts."

Credit Card Fraud Alerts – If there is any suspicious activity on your SMCU credit card, these alerts can notify you right away. Then you can take action immediately – either by interacting with the system on the phone or by texting a command.

To set these alerts, log in in to Online Banking and click on your Credit Card account, go the "Communications" tab then click on "Fraud Alerts."

Credit Card Purchase Alerts from Visa® – When your purchase exceeds a specific amount, when your card is used outside the U.S., or when a purchase is made by phone or online, you can receive an alert.

To set these alerts, click the button to visit the Visa Purchase Alerts website. You will need to create an account on the Visa site to gain access to the alerts – look for the "Create Account" button at the top right of the screen.

Enroll in Visa Purchase Alerts

Debit Card Alerts from CO-OP – Keep track of your Debit Card activity, including purchases made in store, online, or through various merchant types.

To set these alerts, click the button to visit the CO-OP Alerts website. You will need to create an account on the CO-OP site to gain access to the alerts – look for the "Sign Up" button at the top right of the screen.

Enroll in CO-OP Debit Card Alerts

 

 

 

SMS/Text messages charges may apply for certain text alerts, please check with your carrier for specific SMS/Text charges.

Frequently Asked Questions

Click on the question below to see the answer.

How do I enroll in SMCU OnLine?

I get an error when I try to enroll. What's wrong?

Is there a fee to use SMCU OnLine?

Bill Pay does not work on my Apple computer. Can I still use Bill Pay?

I'm using Windows 8 and cannot log in using Internet Explorer 11. Is there a fix for this?

Why can't I enroll my business account?

When I try to pay my bills it says "Cookies are blocked". How do I fix this?

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