SMCU OnLine Login
User ID


Enroll in SMCU OnLine
Forgot Password
Important Notice to Debit and Credit Card Holders

SMCU has been informed that fraudulent activity may have occurred on debit and credit cards used at the following Lucky retail stores during October and November. The credit union has attempted to contact members whose accounts may have been compromised.

 815 Marina Village Parkway, Alameda
 1000 El Cerrito Plaza, El Cerrito
 35820 Fremont Blvd., Fremont
 25151 Santa Clara St., Hayward
 1350 S. Park Victoria Drive, Milpitas
 1761 Grant Ave., Novato
 1530 Fitzgerald Drive, Pinole
 1133 Old County Road, San Carlos
 5510 Monterey Highway, San Jose
 844 Blossom Hill Road, San Jose
 1515 Sloat Blvd., San Francisco
 32300 Dyer St., Union City
 6843 Mission St., Daly City
 5000 Mowry Ave., Fremont
 919 Edgewater Blvd., Foster City
 45 Murchison Drive, Millbrae
 715 E. El Camino Real, Mountain View
 939 Lakeville Highway, Petaluma
 200 Woodside Plaza, Redwood City
 234 Saratoga Ave., Santa Clara
 200 El Paseo De Saratoga, San Jose
 3270 S. White Road, San Jose
 484 N. Mathilda Ave., Sunnyvale

To view the press release from Lucky Supermarket, please click here.

If you suspect fraudulent activity on your card for any reason, please contact us as soon as possible at (650) 363-1725 or (888) 363-1725.

10 Best Practices for Debit Card Use

If you use a debit card then it is important that you follow some basic but important rules in order to keep your bank account healthy and your financial future stable.

1. Keep a Record of Transactions

Keeping a note of any transactions you make with your debit card means that you will be able to tell at a glance how much you've spent and how much you have left to spend. It will also help you to avoid overdraft fees, bounced checks and ultimately a lot of stress. This is even more important if you have a joint account as it is easy to lose track of what one person has spent if there is no record or note of it.

2. Be Honest with Yourself

Don't make excuses for yourself. If you have bad habits such as losing receipts or not balancing your checkbook and getting regular overdraft charges then make a conscious effort not to get your debit card out every time you make a purchase. Limit yourself to using it for the big monthly shop or fueling the car and use cash for smaller purchases.

3. Know the Difference between Credit and Debit

Credit means that the funds will not be taken out of your account immediately, while debit is an instant transaction. Using credit can leave funds in your account for a few days, and sometimes it is easy to forget that the money is already spent and cause you to incur overdraft charges if you "spend" it again.

4. Beware of Holds

Making a reservation for something sometimes means a hold being put on that amount in your account. It is sometimes possible that funds can be on hold for as long as 30 days, and if this is ultimately going to cause you problems then think about using a credit card for any deposits and paying the balance off with the debit card.

5. Check Your Account Daily

Get into the habit of checking your account on a daily basis. This will enable you to keep track of every transaction, and if there are any unexpected charges or fees you will be aware of them straight away and be able to act accordingly.

6. Use Credit not Debit for Larger Purchases

You are not eligible for as much consumer protection with a debit card as you are with a credit card, so buying larger items such as electronics or appliances can sometimes be the better option. If there are any subsequent claims on your account you will be more likely to be successful with a credit card purchase than you would be with a debit card purchase.

7. Take Care When Linking Accounts

While linking a debit card to a savings account can possibly save you on overdraft fees it opens the door to possible fraudulent activity. The more accounts that are linked, the more chances of something going wrong, so always try to limit any linked accounts to just one.

8. Choose a Good PIN

Avoid choosing a PIN number that is easily guessed at. Your birthday or last 4 digits of your SSN might be easy for you to remember, but they are also easy for someone else to guess, and that leaves you open to all sorts of possible problems.

9. Keep Your PIN a Secret

Always remember that your PIN should be known by you alone. If anybody asks you for your PIN, refuse and then report them. Make sure to avoid people watching you key in your PIN. Treat your PIN as you would the keys to your home, safe and secure.

10. Be aware of Skimming and Skimming Devices

Walk away if it appears that any machines may have been tampered with or if there’s a sign directing you to use one of multiple machines – that machine may be rigged with a keystroke recorder or a plastic insert that grabs cards until the criminals come for them.