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 or contact us for more information.

TransferNow: External Transfers

Transfer between your SMCU accounts and your accounts at other financial institutions.

If you have accounts at another bank or credit union, you can easily set up those accounts so that you can transfer funds between them and the accounts you have at SMCU. It’s faster, easier, safer, and far more convenient than sending a paper check. 

With TransferNow: External Transfers, you can:

• Securely add and verify the external accounts you wish to access from over 15,000 financial institutions
• Make secure ACH transfers between your SMCU checking, savings, and money market accounts and your checking, savings, brokerage, and money market accounts at other institutions
• Initiate or schedule a one-time or recurring transfer

To use TransferNow, sign in to SMCU Online Banking, click on the "Transfers" tab, click "External Account Transfers," then follow the directions. If you have questions about this service, please call us at (650) 363-1725.

TransferNow is not available for business accounts. See TransferNow limits and fees for complete details.

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.

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

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

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."

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."

 

 

 

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.