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  • Frequently Asked Questions

FAQ




  • Can I make my opening account deposit through SCCU Mobile Deposit?
    No, SCCU Mobile Deposits cannot be used to initially fund a new account.    
  • 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.
  • Can I pay bills through SCCU's Mobile Web Browser?
    Yes. From your mobile phone's browser, simply visit m.SCCU.com and then log on to SCCU mobile using your Online Banking username and password.

    1. Select Bill Payer from the menu 
    2. Select Make a Payment
    3. Choose the Biller from your list. If the Biller is not showing, please ensure you have set-up the information within SCCU Online Banking first before accessing the information from SCCU Mobile
    4. Select which account from which to pay the bill
    5. Enter the amount to pay
    6. Enter the date for the payment date
    7. Select Next
    8. Review the payment and select Submit Payment to schedule
  • Can I pay bills through SCCU Text/SMS Banking?
    No, SCCU Mobile Bill Payer is only supported by using the SCCU Mobile Web Browser and SCCU Mobile App options. SCCU Mobile Text/SMS Banking does not support Bill Payer payments.
  • 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.    
  • Can I view my scheduled SCCU Mobile Bill Payer payments?
    Yes. View Scheduled Payments SCCU Mobile Bill Payer payments by selecting Scheduled Payments from the Bill Payer section. All scheduled payment(s) within the next 30 days are displayed. By selecting a scheduled payment you can display the details. From this page, you can view the Biller, the transaction amount, the account from which the bill will be paid, the pay 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.    
  • Will SCCU Mobile Bill Payer display the same Biller nicknames I set-up within SCCU Online Banking Bill Payer?
    Yes. SCCU Mobile Bill Payer will show the same nicknames as shown within Online Banking.  You may manage your Billers and Biller nicknames from within SCCU Online Banking.  Biller information and details may not be changed using SCCU Mobile Bill Payer.
  • 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.
  • Can I create an SCCU Mobile Bill Payer payee in the SCCU Mobile App?
    No, Billers can only be created within Space Coast Credit Union Online Banking. 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 automatically display as available from within SCCU Mobile Bill Payer.
  • 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.    
  • When will SCCU Mobile Bill Payer be available?
    Mobile Bill Payer will be available in late summer 2013. Please continue to watch SCCU.com for announcements about availability.
  • 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 bills can I pay using SCCU Mobile Bill Payer in SCCU Mobile?
    You can pay all of the same bills that you have set up within SCCU Online Bill Payer. Billers set-up within SCCU Online Banking will automatically display as available from within SCCU Mobile Bill Payer. While you cannot set-up new Billers from within SCCU Mobile Bill Payer, you may add payments to existing Billers through SCCU Mobile Bill Payer.    
  • 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. 
  • Does SCCU Mobile Bill Payer support Bill Payer e-Bills?
    No, SCCU Mobile Bill Payer does not currently support e-Bills. Please access this feature through SCCU Online Banking.    
  • Can I pay bills using SCCU Mobile App?
    Yes. Ensure that you are using the most up-to-date SCCU Mobile App available. Login to the Mobile App with your Online Banking username and password. In order to pay bills from Mobile App, Billers must be set-up first within SCCU Online Banking. Visit the "Bill Payer" tab within SCCU Online Banking and then add Billers. These Billers will then be available within SCCU Mobile Bill Payer.  

    1. Select Bill Payer from the menu
    2. Select Make a Payment
    3. Choose the Biller from your list. If the Biller is not showing, please ensure you have set-up the information within SCCU Online Banking first before accessing the information from SCCU Mobile
    4. Select which account from which to pay the bill
    5. Enter the amount to pay
    6. Enter the date for the payment date
    7. Select Next
    8. Review the payment and select Submit Payment to schedule
  • Why don't I see the "Deposit Check" option on my phone?
    In order to use the Mobile Deposit service, you must have the most recent SCCU Mobile App. Please visit your device's app store to ensure you are using the most current SCCU Mobile app available. SCCU Mobile Deposit is currently available to SCCU Mobile app users with an eligible SCCU Checking or Savings account. Your accounts must be in good standing and follow other conditions as outlined in the SCCU Mobile Deposit Terms & Conditions. Certain account types, including New Directions Checking and Savings, are not eligible for SCCU Mobile Deposit.
  • 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.
  • What is SCCU Mobile Banking?
    SCCU Mobile allows you to perform everyday banking functions using a mobile device. For example, you can access your account balances, make transfers, and review your most recent account activity without being tied to a computer.
  • 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.

     

  • What do I need to use Space Coast Credit Union Mobile Web?

    To access the SCCU Mobile Web Browser, you will need to:

    • Have an SCCU Online Banking account (Please note, if you are not already an SCCU Online Banking user, you will be required to enroll and accept the terms & conditions for SCCU Online Banking and SCCU Mobile before completing your SCCU Mobile enrollment.)
    • Enroll in SCCU Mobile and have at least one verified mobile device
    • Have a registered mobile device that supports web browsing functionality
    • Have a wireless data plan with your mobile carrier
  • What Mobile Alerts are available?

    You can choose from a wide range of enhanced Mobile Alerts at SCCU, including transaction and security alerts. Visit our Mobile Alerts page for a full list of available alerts.

  • What is a short code for SCCU Mobile Text Banking?

    Short codes are special telephone numbers, usually five or six digits long, which are used to send and receive text messages from mobile phones within the US. You can think of a short code as a web address for your cell phone - using five digits instead of a URL like SCCU.com.

    • 46940 is Space Coast Credit Union's short code for communicating via a text message.
  • What is the difference between SCCU Mobile Alerts and SCCU Mobile Text/SMS?
    Mobile Alerts are automatic notices sent by SCCU directly to your mobile device, which contain important information you've requested about your registered account(s). You choose which alerts you want to see and when you want to receive them.

    Mobile Text/SMS allows you to request information such as your account balance and recent transactions on selected accounts at any time from your mobile device. Your information will be securely returned to your mobile device.
  • How do I sign in to SCCU Mobile Web?

    From your mobile phone's browser, simply type in SCCU.com. Select "Mobile Online Banking" from the choices provided.

    When prompted, enter your SCCU Online Banking/Mobile username and password. After you sign in successfully, you can select a task from the main menu.

  • 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.
  • What are mobile text/SMS commands and how do I use them?
    Text commands are short text messages you send from your mobile device to SCCU to request account information. To send a message, just text one of many text commands to the SCCU short code at 46940.
  • How do I know if my mobile device supports text messages?
    The majority of all mobile devices in the U.S now support text messages, so the chances are good that your mobile device is capable of sending and receiving messages.

    To find out for certain, try looking under the messaging options menu on your mobile device, or contact your mobile service provider.

    Please note, you may also want to confirm if your mobile service provider charges for text messaging as message and data rates may apply. Text message frequency depends on your SCCU Mobile user settings.
  • Why should I use SCCU Mobile Alerts?

    Alerts are a great way to stay on top of your account activity, anytime, anywhere. You can choose from a wide range of enhanced Text, Push*, or Email alerts delivered right to your mobile device. Mobile Alerts allow you to keep your accounts safe, manage your accounts on the go, and help avoid overdrafts.

    Our enhanced Mobile Alerts provide more choices and service than our basic Online Banking Alerts, including enhanced transaction alerts featuring transaction descriptions and increased delivery frequency options, plus multiple alert types like balance, account fee, and security-related alerts.

    *Feature available on iPhones only.

  • What do I need to use SCCU Text/SMS Banking?

    To access SCCU Text/SMS Banking, you must:

    • Be enrolled in SCCU Online Banking
    • Verify that your mobile device supports text messaging and is activated for text messaging
    • Enroll your mobile device in SCCU Mobile using the steps below:
      • Visit SCCU.com and login to Online Banking with your username and password
      • Select the "Mobile & Alerts" tab
      • Click on the "Go to Mobile Banking" button
      • Follow the instructions on the SCCU Mobile enrollment screens to verify your mobile number, set up your service preferences, accounts, Mobile Alerts, and more
      • You may also enroll by contacting our Member Service Center for assistance

    Please note: 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.

  • What types of accounts can I view/use with SCCU Mobile?

    The following accounts are accessible with SCCU Mobile:

    • Checking
    • Savings, IRAs, and CDs
    • Credit Card
    • Money Market
    • Auto Loans
    • Home Loans
    • Business Accounts
  • 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 the Mobile App (Mobile SmartClient Application)?
    SCCU's Mobile App provides the best possible mobile banking experience on your mobile device. With the secure mobile app designed for the iPhone, Blackberry, and Android, you can check balances, pay bills, transfer money, and find ATMs and branches all from the convenience of your phone

    With the Mobile App you can:

    • Check Account Balances
    • Search Transaction History
    • Transfer Funds
    • View and Manage Your Alerts
    • Search for ATMs and Branches
  • What kind of mobile device do I need to use the SCCU Mobile App?
    SCCU's secure mobile app is designed for the iPhone, Blackberry, and Android.
  • What kind of mobile device is required for SCCU Mobile?
    For the Mobile Text/SMS service, your mobile device must be capable of sending and receiving text messages.

    For the Mobile Web service, your mobile device must support web browsing functionality.

    For SCCU's Mobile App, you need a mobile device capable of downloading and accessing our free app from your device-type's application store.
  • What is SCCU's short code for Text Banking?
    We have created an easy short code to represent SCCU when you text. SCCU's short code is 46940. Send your text messages to this number. To help you remember your short code, simply add it to the address book in your mobile device like a short telephone number for Space Coast Credit Union.
  • What is SCCU's Mobile Web?
    Mobile Web is a secure mobile banking website you can access through your mobile device. Just go to SCCU.com from your mobile browser to take advantage of many features you have available through SCCU Online Banking today. It is another way of accessing your account balances and reviewing your most recent account activity without being tied to your desktop.
  • 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 SCCU Mobile Alerts?

    Mobile Alerts are notices that you set up to automatically alert you when select activity occurs on your accounts.

    Mobile Alerts are sent through text, push*, or email directly to your mobile device and are an easy, effective way to keep track of your account activity and to monitor your accounts for fraudulent transactions. You can also see your alerts on SCCU's Mobile Web site.

    *Push alert feature is available on iPhones only.

  • 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.

  • Is SCCU Mobile secure?

    Space Coast Credit Union is very concerned about the safety and privacy of your information and committed to security. To ensure the security of your account information, a number of security features have been built into SCCU Mobile services:

    • Registration Process - A unique verification code is required to verify your mobile device and verify that you are the one in control of your mobile device. This code associates your mobile device with your account.
    • No Identifiable Information - Texts or Alerts from Space Coast Credit Union never include any personally identifiable information, such as your full account number, PIN, email address, or mobile number. Your User ID and Password will never be included in any of the text messages or alerts you receive from SCCU.
    • Secure Login - Access to SCCU Mobile via our Mobile Web and Mobile App require secure login for access. No one is able to access your account information with knowing your unique username and password.
    • Data Encryption - For your protection, only limited information, such as your account nicknames and cached balances, is stored locally on your mobile device. All of your account data resides here at SCCU, just like with Online Banking. All data placed into local storage on the mobile device is encrypted before it is stored - and it is only accessible with your PIN. This ensures that if the mobile device is lost or stolen the data stored by the mobile application in local storage is unreadable.
  • How do I start using SCCU Mobile?
    Visit SCCU.com from your mobile device. Sign in using your SCCU Online Banking username and password to start using the services. If you own an iPhone, BlackBerry, or Android smartphone you can download the App or Launcher right from your device's app store.
  • 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.
  • What is SCCU Mobile and what can I do with SCCU Mobile Banking?
    SCCU Mobile allows you to perform everyday banking functions using a mobile device. For example, you can access your account balances, make transfers, and review your most recent account activity without being tied to a computer. Our Mobile App also allows you to deposit checks with your phone using SCCU Mobile Deposit, and pays bills using SCCU Mobile Bill Payer.
  • 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.
  • What is the difference between SCCU Mobile Alerts and Online Banking Alerts?

    Mobile Alerts provide a much wider range of enhanced alerts delivered through text, push*, or email directly to your mobile device. These are the best alerts to use for mobile phones and devices. Mobile Alerts feature enhanced transaction alerts with transaction descriptions and increased delivery frequencies, plus additional balance, account fee, and security-related alerts.

    Online Banking alerts provide basic alerts sent to your email. These are best used for people without mobile devices or those who prefer to access information from a personal computer.

    *Push alert feature is available on iPhones only.
  • 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.



  • 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.



  • What do I need to use the Mobile App?

    To start using our Mobile App you will need to:

    • Have an SCCU Online Banking account (Please note, if you are not already an SCCU Online Banking user, you will be required to enroll and accept the terms & conditions for SCCU Online Banking and SCCU Mobile before completing your SCCU Mobile enrollment.)
    • Have an iPhone, Blackberry, or Android mobile device
    • Register and verify your mobile device number in SCCU's Mobile Preference Center.

    You can access the Mobile Preference Center by going to SCCU.com and logging on to SCCU Online Banking and then selecting the "Mobile & Alerts" tab.

  • Which mobile service providers support SCCU Mobile Text/SMS?

    SCCU Mobile works with all major mobile providers in the US. The list includes, but is not restricted to:

    Alltel Aliant
    Centennial Cellular Corporation Cincinnati Bell
    AT&T/Cingular Wireless Dobson Cellular Systems (AT&T Wireless)
    CellSouth MTS Mobility
    Nextel/Boost USA nTelos (Virginia PCS)
    Rural Cellular Corporation SunCom
    Telebec Sprint
    T-Mobile (VoiceStream) US Cellular Corp
    Verizon Wireless Virgin Mobile USA
     
     
     
     
     
     
  • How do I sign up for SCCU Mobile?

    SCCU members can choose from one of three easy enrollment methods. Please note, if you are not already an SCCU Online Banking user, you will be required to enroll and accept the terms & conditions for SCCU Online Banking and SCCU Mobile before completing your SCCU Mobile enrollment.

    1.  Enroll through SCCU Online Banking

    • Visit SCCU.com and login to Online Banking with your username and password
    • Select the "Mobile & Alerts" tab
    • Click on the "Go to Mobile Banking" button
    • Follow the instructions on the SCCU Mobile enrollment screens to verify your mobile number, set up your service preferences, accounts, Mobile Alerts, and more

    Please note: 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.

    2.  Enroll through your Mobile Phone browser or Mobile App

    To enroll using your Mobile Phone browser:

    • Using your web browser on your mobile phone, visit SCCU.com
    • Login to SCCU's Mobile Web page using your Online Banking username and password
    • Follow the instructions on the screen to complete your enrollment
    • You may want to login to Online Banking and click on the "Mobile & Alerts" tab to set up additional service preferences, accounts, Mobile Alerts, and more

    To enroll using the Mobile App:

    • Download SCCU's Mobile App onto your phone and launch the app
    • Login to the Mobile App using your Online Banking username and password, or click on the links to complete the Online Banking registration to create your username and password for the first time
    • Follow the instructions on the screen to complete your enrollment
    • You may want to login to Online Banking and click on the "Mobile & Alerts" tab to set up additional service preferences, accounts, Mobile Alerts, and more

    Please note: If you are not currently an SCCU Online Banking user, you will first need to enroll for this free service. Follow the directions on the Mobile Web page to create a username and password you will use for SCCU Online Banking and SCCU Mobile and then continue the process using this information to complete your enrollment.

    3.  Enroll in person at any SCCU branch or over the phone with our Member Service Center

    Please note: If you are not currently an SCCU Online Banking user, you will first need to enroll for this free service. The Member Service Center or any SCCU branch will assist you with this when you call or visit.

  • 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
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.