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  • Frequently Asked Questions

FAQ




  • I keep receiving an image error message when attempting to submit the deposit with SCCU Mobile Deposit. What is the problem?
    Taking high-quality photos of the check is the best way to make SCCU Mobile Deposit quick and easy. Here are some hints to keep in mind:

    Check photo tips:
    • Place the check in a well-lit area on a dark, non-reflective surface.
    • Align the top of the check with the top of the guidelines.
    • Make sure only the check is visible, with no other objects or edges showing.
    • Avoid shadows on the check and hold the phone steady during the photo.
    • Focus is important - being too close can make the image blurry.
  • How do I view recent SCCU Mobile Bill Payer payments
    You can view recent SCCU Mobile Bill Payer payments by selecting Recent Payments from within the Bill Payer section on SCCU Mobile. The Recent Payments tab displays the recent payment(s) you have processed. You can get the details of any payment by selecting it. This will give you the Biller, the transaction amount, the account from which the bill was paid, the payment date, and a reference ID.    
  • How can I cancel a scheduled SCCU Mobile Bill Payer payment?
    Select Bill Payer from within SCCU Mobile, and then choose the Scheduled Payments tab. Select the scheduled payment you would like to cancel and then choose the Cancel Payment button at the bottom of the scheduled payment. A Payment Cancelled Confirmation page is displayed with the details of your cancelled bill payment.    
  • How do I know that my SCCU Mobile Bill Payer payment was successful?
    Upon the successful scheduling of the SCCU Mobile Bill Payer payment, a confirmation message displays on your screen. The confirmation message includes the Biller, the transaction amount, the account from which the bill was paid, the payment date, and the confirmation number. Details of completed payments will show in your account history, as well as in the Recent Payments tab within SCCU Mobile Bill Payer.    
  • What if the Biller does not receive my SCCU Mobile Bill Payer payment?
    Contact the Member Service Center for assistance.
  • A check I submitted was returned. Can I resubmit it using SCCU Mobile Deposit?
    No. If a check is returned for insufficient funds, you may not re-deposit the check through SCCU Mobile Deposit. Please visit any SCCU Branch for additional assistance.    
  • What qualifies my account in order to use SCCU Mobile Deposit?
    Members will automatically be qualified to participate in SCCU Mobile Deposit if they have an eligible personal checking or savings account that has been open for at least 30 days and is considered to be in good standing.  You must be enrolled in SCCU's free Online Banking service in order to use SCCU Mobile and SCCU Mobile Deposit.For further information about qualifications, please contact the Member Service Center.
  • What types of accounts are eligible for SCCU Mobile Deposit?
    All SCCU personal checking or savings product types (excluding New Directions Savings, New Directions Checking, and Christmas Club Savings) that meet SCCU's eligibility requirements may use SCCU Mobile Deposit.  Accounts must be open for at least 30 days to use the service.
  • When will the payment be sent to the SCCU Mobile Bill Payer Biller?
    The payment will be sent on the next available payment date.
  • What types of checks can I deposit with SCCU Mobile Deposit?
    Any check drawn on institutions located in the United States that has a MICR line can be processed through SCCU Mobile Deposit. We are unable to accept checks made payable to any person or entity other than an owner of the account. If you encounter an error when trying to deposit a check, please bring it to your closest SCCU Branch or ATM for deposit.
  • What types of checks are accepted through SCCU Mobile Deposit?
    Most U.S. checks and money orders are accepted through SCCU Mobile Deposit.  If you encounter an error when trying to deposit a check, please bring it to your closest SCCU Branch or ATM for deposit.
  • Do I need to photograph both the front and the back of my check for SCCU Mobile Deposit?
    Yes. During the Mobile Deposit process, you will be required to photograph the front and back of your check.    
  • What if my SCCU Mobile Deposit check image is bad?
    If the check image is unclear or critical information is missing, you will receive an error message asking you to retake and resubmit the image. 

    You may retake photographs of the check by selecting the "Retake" button after the image has been captured.

    If you are unable to photograph a clear image or you continue to receive an error message, please deposit your check at any of our Space Coast Credit Union Branch locations or an SCCU ATM.
  • How do I set-up/add/remove SCCU Mobile Bill Payer payees displayed in SCCU Mobile?
    Billers may not be set-up, added, or removed from within SCCU Mobile Bill Payer.  In order to add or modify a Bill Payer Biller, please login to SCCU Online Banking, select Bill Payer, and then complete the addition or modification of Billers.  Billers set-up within SCCU Online Banking will display as available from with SCCU Mobile Bill Payer.
  • What if I submitted a deposit for the wrong amount when using SCCU Mobile Deposit?
    If a different amount is entered than is detected on the check, you will receive an error message informing you that the amount entered does not match.  You will need to verify the amount of the check and retake the photo in order to complete the Mobile Deposit.
  • What if I submit the same deposit twice in error using SCCU Mobile Deposit?
    If the same deposit is submitted twice, you will receive an error message informing you that the check has already been deposited or cannot be accepted.    
  • What is SCCU Mobile Bill Payer?
    Mobile Bill Payer is available using the SCCU Mobile App or Mobile Web Browser.

    SCCU's Mobile Bill Payer allows you to pay anyone, businesses or individuals, quickly and conveniently right from your mobile device. Select from pre-existing Billers set-up through SCCU Online Banking, then the account from which you want to pay, and the date you would like the bill paid to easily manage bills on the go.
  • How will I know that Space Coast Credit Union received my SCCU Mobile Deposit?
    You will see a Deposit Confirmation screen when your check deposit submission is confirmed. Please note that prior to posting to your account, Mobile Deposits must be verified which can take up to 2 business days.  A successful mobile deposit will show in Mobile and Online Banking as "SCCU Mobile Deposit" along with the dollar amount in your transaction history when the deposit posts to your account. 
  • How many Mobile Deposits can I make in one day?
    You can make up to 5 deposits per day, up to 10 deposits per week and no more than 20 deposits each month.
  • After completing an SCCU mobile deposit, what do I do with the check?
    The deposit will show in your history after the item has been reviewed and approved. Keep the check at least 45 days and then destroy it or void and file it.
  • How secure is Mobile Check Deposit?
    SCCU Mobile requires a secure login for access.  No one is able to access your account information without knowing your unique username and password.  We also use multiple security layers, including data encryption to protect information sent and received.  For added security, SCCU Mobile never transmits or stores any confidential data, including check images, on member devices and ensures that all private information sent shields personal details.
  • What is the maximum deposit limit on SCCU Mobile Deposit?
    The maximum deposit limit on any single deposit is $2500. Deposits are also limited to a total of $2,500 per week and a total of $5,000 per month.
  • What devices are supported for SCCU Mobile Deposit?
    SCCU's Mobile Deposit feature is only available with the SCCU's Mobile apps. Mobile Deposit will work with all iPhones® 3GS and later, as well as most recent Android®  phones.
  • Can I deposit more than one check at a time with SCCU Mobile Deposit?
    You can deposit multiple checks in the same SCCU Mobile session; however you may only photograph and submit one check per deposit at a time.
  • How do I schedule my SCCU Mobile Bill Payer payment?
    To use SCCU Mobile Bill Payer, simply tell us the amount you wish to pay and when you want the money to be withdrawn from your Space Coast Credit Union checking account.  
  • Are there fees associated with using SCCU Mobile Deposit?
    There is no charge for members to use SCCU Mobile when depositing to an eligible personal checking or savings account.  Standard fees for returned checks will apply.
  • Do I need to do anything additional to use SCCU Mobile Deposit?
    You will need to ensure that you are using the most up-to-date SCCU Mobile app available in order to use SCCU Mobile Deposit. Download the latest free app from your device's app store. You must also read and accept the SCCU Mobile Deposit Terms & Conditions in order to use this service.
  • When will my SCCU Mobile Deposits be available?
    Deposits are subject to verification and may not be available for immediate withdrawal. Deposits are subject to credit union review and will only be posted after approval. Please note that deposits may take up to 48 hours to post to an account.
  • How do I endorse my check for SCCU Mobile Deposit?
    Endorse your check for SCCU Mobile Deposit using your phone exactly as you would if depositing at a Space Coast Credit Union Branch or ATM.    
  • How does SCCU's Mobile Check Deposit work?
    SCCU Mobile Deposit works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. None of the check images are stored on your phone, so you can rest assured that it is secure. Your check image is transmitted for processing and verification. Once approved, the money is deposited to your account!
  • Are there any limits on the dollar amount and the number of deposits I can submit with SCCU Mobile Deposit?
    The following limits apply to Mobile Deposit:
    • $2500 limit on any single deposit
    • 5 checks/$2500 total daily limit
    • 10 checks/$2500 total weekly deposit limit
    • 20 checks/$5000 total monthly deposit limit  
    Please note that deposits may take up to 48 hours to post to an account. Visit our SCCU Mobile Deposit Limits page for more details.
  • How do I know the SCCU Mobile Deposit went through?
    You will see a Deposit Confirmation screen when your check deposit submission is confirmed. Please note that Mobile Deposits must be verified prior to posting to your account so some deposits may take up to 48 hours to post.

    A successful mobile deposit will show as "SCCU Mobile Deposit" along with the dollar amount in your transaction history when the deposit posts to your account.
  • Who is eligible for SCCU Mobile Deposit?
    Members who are enrolled in SCCU Mobile Banking, are using an SCCU Mobile app on their mobile device, and who have an eligible checking or savings account that has been opened for more than 30 days can use SCCU Mobile Deposit.

    SCCU Mobile users eligible for SCCU Mobile Deposit will be required to accept SCCU Mobile Deposit terms & conditions in order to begin using the Deposit Check function within the SCCU Mobile app. Members not eligible for SCCU Mobile Deposit will receive a message that the account is not currently eligible for SCCU Mobile Deposit when trying to access within the Mobile app.

    Please contact SCCU's Member Service Center regarding questions about your account or eligibility for SCCU Mobile Deposit.
  • When will my SCCU Mobile Deposit post to my account?

    Most deposits will post to your account within minutes, but some items will require additional verification which could take up to 2 business days. Mobile Deposits will not display within your transaction history until they are approved and posted to your account. Standard check hold policy and deposit limits apply. Some exceptions may apply.

    Visit our Mobile Deposit Limits and Hold Policy page for more information.

  • How do I make a deposit using SCCU Mobile Deposit?
    You must be enrolled in SCCU free Online Banking service and have the free SCCU Mobile App installed on your phone in order to use SCCU Mobile Deposit:
    • Launch the SCCU Mobile App on your mobile device, log in, and select Mobile Deposit
    • Take a picture of the front of the check
    • Take a picture of the back of the check
    • Select the account to receive the deposit
    • Enter the exact check amount and select "Deposit"
    • Review the Mobile Deposit and select "Confirm" to submit
  • When will SCCU Mobile Deposit be available?
    Mobile Deposit launched in the summer of 2013.  Please continue to watch SCCU.com for announcements about availability.
  • What is SCCU Mobile Deposit?

    Save time and money by depositing checks right from your smartphone into an SCCU Checking or Savings account. SCCU Mobile Deposit is free, secure, and saves you a trip to a branch!

    To use SCCU Mobile Deposit, you will need to:

    1. Have an eligible SCCU Checking or Savings account.
    2. Accept the Mobile Deposit Terms & Conditions agreement

    SCCU Mobile Deposit is only available using SCCU's Mobile apps. This feature is available at no cost and lets you deposit a check by using the camera in your mobile device. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your SCCU Checking or Savings account.

    Mobile Deposit allows you to skip lines and avoid the hassle of rushing to a branch or ATM to deposit a check. Now you can deposit a check safely and conveniently from the comfort of your home, office, or wherever you might happen to be.

     

  • Which mobile service providers DO NOT support SCCU Mobile Text/SMS & SCCU Mobile Alerts?
    If your mobile provider is not included in the provided list, your provider may not support text messages from SCCU. Please note: smaller carriers may use the networks of the larger carriers that are certified. If you have questions regarding the network your carrier uses, please contact a customer support representative for your carrier.
  • Are there fees to use the SCCU Mobile App?
    No. SCCU does not charge a fee downloading or using our Mobile app. However, you should check with your wireless carrier, as message and data rates for your mobile device may apply from them. For our Mobile App, you need to have a plan that supports "data", which could cost you more.
  • What does SMS stand for?
    SMS stands for Short Messaging Service. It is also known as text messaging. This is a service available on most mobile devices allowing users to send and receive text-only messages. Learn more about Text Banking with SCCU on our SCCU Mobile page.
  • Does Space Coast Credit Union offer text messaging shortcuts so I can access my information more quickly?

    Absolutely! We've built some helpful shortcuts into SCCU's Mobile Text/SMS service so you can easily access your account information quickly, securely and when you need it most.

    The account nicknames used below are for this example only ("CHK1=checking" and " SAV1=savings"). You will use the nicknames you established for your accounts.

    Visit our Mobile page for a full list of Mobile Text commands.


  • What do I need have to be eligible for SCCU Mobile Text/SMS? Do I need to be an Online Banking user to use SCCU Mobile?

    For current SCCU Online Banking users, you will use your current Online Banking username and password just as you do now to login to the system.

    If you are not a current SCCU Online Banking user, you will need to enroll in our free Online Banking service in order to use SCCU Mobile. Enrollment can be completed by visiting SCCU.com and clicking on "Enroll in online banking" or by accessing m.sccu.com from your mobile device.

    SCCU Mobile users also need a mobile device with the ability to send and receive text messages in order to use SCCU Mobile Texts & Alerts, or a data service plan to use SCCU's Mobile Web and Mobile App.

  • What is SCCU Mobile Text/SMS Banking?
    Mobile Text/SMS gives you the ability to access your eligible accounts from a mobile phone or device via text messaging.

    Simply text Space Coast Credit Union at 46940 with text commands to view account balances, transfer funds quickly and easily, and find nearby branch and ATM locations.

    Learn more about Text Banking on our SCCU Mobile page.
  • What are account nicknames?

    Account nicknames are short names for your accounts that make it easy to identify your accounts when you use SCCU Mobile services.

    You can create your own unique account nicknames or use the default nicknames provided. Each nickname must be unique, between one to eight characters in length, and can include letters and numbers (but not spaces or special characters).

    Your mobile account nicknames will not replace the account names or nicknames you have may have created for SCCU Online Banking.

    Please note: For security purposes, do not use your account number in your nickname.

  • Can anyone use SCCU Mobile?
    Almost anyone. SCCU members must be enrolled in SCCU Online Banking in order to use SCCU Mobile. If you are not currently an SCCU Online Banking user, you will first need to enroll for this free service by visiting SCCU.com and clicking on "Enroll in online banking" near the login area at the top right of your screen.
  • Is there a fee for using Mobile Banking?
    No. SCCU does not charge a fee for using SCCU Mobile services or downloading our Mobile app. However, you should check with your wireless carrier, as message and data rates for your mobile device may apply from them. For Mobile Text/SMS, it might cost you more, as some carriers charge for text messaging depending on your plan. For Mobile Web and our Mobile App, you need to have a plan that supports "data", which could cost you more.
  • Can I pay bills using SCCU Mobile?
    There are two ways to pay bills using SCCU Mobile.
    • You can transfer money between SCCU accounts in order to make a credit card or loan payment
    • You can use the SCCU Mobile Bill Payer service, available on the SCCU Mobile App or SCCU Mobile Web Browser (your billers will need to be setup using SCCU Online Banking prior to paying bills using this service)

    Visit our SCCU Mobile page for more information.



  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.
*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
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  • All Other Areas: 800-447-7228

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