SMCU OnLine Login
User ID


Enroll in SMCU OnLine
Forgot Password

Updated: January 10, 2014
Last month, Target Inc. reported a large-scale data breach that compromised customer credit and debit card information. We have notified affected members through written and/or email notification and replacement cards have been re-ordered. Your account security is a top priority for San Mateo Credit Union. If you need further assistance, please call our Contact Center at (650) 363-1725 or (888) 363-1725. To read what Target is reporting, please click here.

If you have concerns about a Target REDcard linked to a San Mateo Credit Union checking account, you should contact Target directly at 1-866-852-8680.

We also recommend that you take the following steps to protect yourself from misuse of your personal information:

  • Set a fraud alert in your credit file. The fraud alert tells creditors that you want to be contacted before new accounts are opened. The fraud alert and credit report are available free of charge by contacting one of the credit reporting agencies listed below and mentioning this incident:





P.O. Box 105069
Atlanta, GA 30374

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834

P.O. Box 9532
Allen, TX 75013





  • Review the FTC’s website for information regarding identity theft at or call 1-877-ID-THEFT (877-438-4338). You may also write to the FTC at Federal Trade Commission Consumer Response Center at 600 Pennsylvania Avenue, NW Washington, DC 20580.
  • In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. You may register at

Frequently Asked Questions

Since I shopped at Target between Nov. 27 and Dec. 15, does that mean my card has been used fraudulently?
No. But you should continue to closely monitor your credit or debit card account information and immediately report any fraudulent or suspicious activity.

How do I know if I have been impacted?
If your card has been impacted by the data breach at Target, you will receive written notification and/or e-mail within the next week. This notice gives you the option of obtaining a new card at any SMCU branch. We are currently working with our vendors on the reissue and you should receive your new card in the mail within the next few weeks.

If I shopped at or in Canada, should I be concerned?
No, this issue only impacted U.S. Target retail stores.

Will someone steal my identity?
Personally identifiable information, such as social security numbers, was not involved in this incident. Stolen credit card information is generally used to make fraudulent charges, not for identity theft.

If I have used a Target Red Card during the data breach time frame is my checking account information safe?
We do not have sufficient information regarding the Target Red card and your checking account information. We recommend that all SMCU members unlink their SMCU checking account from the Target Red card.

What do I do if I receive suspicious emails or websites offering “help” with the Target breach problems?
Scam emails and websites purporting to help consumers with Target breach issues have recently appeared. The Attorney General advises consumers to be aware of suspicious emails and websites offering “help” with Target breach problems. In addition, be aware of phone calls offering assistance. Remember to always initiate the call yourself—contact your credit or debit card company at the toll-free number on the back of your card before disclosing any personal information.

If my debit or credit card is deactivated, will my automatic bill payments still be paid with the old card number?
NO. Please notify each vendor about your new debit or credit card information so you can set up new automatic bill payments. You might also check to see if you have the option to link your automatic bill payments to your checking account number so you can avoid updating debit or credit card information in the future.

For Best Practices on Debit Card Use, please click here.