Frequently Asked Questions

Members must contact Express Services to make changes to the loan. Space Coast Credit Union requires a new application for approval in order to add or remove a member to or from a loan. Fees may apply.

You may order checks in Online Banking, at any SCCU branch, or by visiting the below ordering links:

Order Personal Checks
Order Business Checks

You may also call the Member Service Center at your local number below:

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-500
All Other Areas: 800-447-7228

There are two easy ways to apply: 1) Apply online anytime at SCCU.com, or 2) Apply by phone with Express Services, by calling your local number below:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  All Other Areas: 800-447-7228

Our Express Services Associates will answer your questions, help you find the mortgage that's right for you, and take your application over the phone in just minutes. Once your application is completed, your personal Mortgage Representative will contact you within one business day. We'll keep you informed every step of the way.

To dispute inaccurate information on your credit report, notify both the credit reporting company and the information provider in writing. Send a letter to the address on your credit report stating what you are disputing, why it is an error, and include copies of documentation proving the information is inaccurate. Including a copy of the credit report, with the error highlighted, may also be helpful. It is recommended to send your dispute by certified mail, “return receipt requested,” to ensure the company received your letter.

More information, sample dispute letter templates, and further instructions on how to dispute errors on your credit report can be found on the Federal Trade Commission’s (FTC) website here: https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports

1. Sign on to Online Banking and select "Bill Payer."
2. Select "Popmoney."
3. Read the welcome message and click "Continue."
4. Select "Get Money." Enter your e-mail address, mobile number, or account information, the Secure Transaction Code you received, and click "Get Money."

Credit unions and banks both offer a range of financial services that can meet your business needs, but there's one important distinction: Credit unions are owned by its members. Instead of the executives guiding the institution, as it is at traditional banks, credit unions have an elected board of directors—who are also members of the credit union—that make sure your best interests are served.
 
Credit unions are also non-profit organizations, so their main focus is on providing ways for members to save money instead of on increasing profits. At SCCU, we invest in our membership, offering better rates on loans and valuable rewards that help our members save money. And, for our members' peace of mind and security, the National Credit Union Administration (NCUA) insures our account holders' deposits just as the FDIC does for traditional banks.
 

• 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.

Members must visit a local branch or contact the Member Service Center for assistance with making changes to the title of their loan. Fees may apply.

In the Branch: Find your local branch location.

By Phone: Use Call-24 Bank by Phone Access (must have a Call-24 PIN) or speak with one of our Member Service Center representatives at 321-752-2222.

To set up a Call-24 PIN visit your local branch or speak with one of our Member Service Center representatives at the number above.

By Mail
8045 N. Wickham Rd.
Melbourne, FL 32941

Acceptable Forms of Payment Include:

• Check (Personal, Business, On-Us, Teller Check, Money Order)
• Debit Card
• Cash and/or Transfer from SCCU Account
   

Space Coast Credit Union offers a number of Member Protection products and services on auto loans. Limits apply on each type of coverage. Visit our coverage page for details.

• Auto Insurance coverage from TruStage Auto Insurance

• Extended Warranty service agreements that offers protection against mechanical breakdowns that occur after the manufacturer warranty expires.

• GAP coverage (Guaranteed Asset Protection) that provides protection if a vehicle is a total loss in an accident. This coverage typically covers the difference between what is owed on the loan and the value of the vehicle the insurance company is willing to pay if your vehicle is deemed a total loss. Limitations apply.

• Credit Life & Disability protects your family from consumer loan obligations if disability or tragedy occurs. Limitations apply.

The cost for checks can vary depending on the design and quantity you choose. 

You may order checks conveniently through your secure online banking account. Members may also call the Member Service Center, or visit any branch location to order.

IMPORTANT INFORMATION FOR ORDERING CHECKS:

• You will need SCCU's Routing Number and your 13-digit electronic checking account number to accurately order your SCCU checks
• SCCU's Routing Number is 263177903 and you may find your 13-digit electronic checking account number on your monthly statement
• Please note that failure to use the correct numbers may result in delayed or denied payments

If you are re-ordering checks with no changes (same style, information, and shipping address as last order), please click here.

Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with our Express Services Associates:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228

Please visit our Mortgage Refinance page for information on refinance loans and options.

• Brevard County: Call 321-752-2222
• Broward County: Call 954-704-5000
• Miami-Dade County: Call 305-882-5000
• All other areas: Call 800-447-7228 toll-free

• Complete a Business Loan Application by calling our Express Sales team.
• Provide a minimum of 2 years business and personal tax returns including all schedules
• Provide a completed Personal Financial Statement for each owner of the business.
• Provide a completed Business Debit Summary Schedule
• You must have current Interim Business Financial Statements

• Tax purposes: No matter what type of business you have—online, run from your home, or in a brick-and-mortar location—a business bank account will help simplify tracking expenses and income and make filing easier at tax time. With your business interest checking account at SCCU, you have fast online access to account records that can help at tax time as well.
• Legal status: Mixing your personal and business financial activities may be a problem if you have a corporation or LLC and your business faces legal issues involving liability.
• Convenience: Your SCCU Business Checking account includes free mobile and online banking, free online bill payment, and a free Business Visa ® Debit Card that save you time and make managing your company's money easier.

1. Account Verification is a one-time process for each account that confirms you are the owner of the account you are setting up. This is an important part of the account setup process that protects you from fraudulent activity in your account. You will need to follow the Account Activation process for each account you setup with an external financial institution.
2. The Account Activation process starts immediately once you've submitted your financial institution information. Two small trial transactions are initiated by the External Transfers system. One will be a small deposit into your external account, the other a small withdrawal (a few pennies each) from the account. These transactions will be posted to the external financial institution account within 2-3 business days.
3. Once you see these transactions occur within your external account, write down the exact amounts of each trial transaction.
4. Logon to the External Transfers service through Online Banking and choose the "Manage Accounts" section.
5. Click on Activate.
6. Enter the exact trial deposit amount and the trial withdrawl amount and click "Submit." (Five cents would be entered as .05 --- Nine cents would be entered as .09)Your account is now activated.
7. Repeat the process for any other accounts you've added.
8. You may now begin transferring money to and from your SCCU accounts.

If your loan payment has been assessed a late fee, online payment access is disabled. To restore this access, your scheduled payment and late fee must be processed by an SCCU representative.

Please contact Member Services using the contact information below for your area. You may also visit your local SCCU branch for assistance.

Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228
 

Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with our Express Services Associates:

Mon-Fri, 8:00am-6:30pm; Sat, 9:00am-3:00pm
Brevard: 321-752-2222  |  Broward: 954-704-5000  |  Miami-Dade: 305-882-5000  |  
All Other Areas: 800-447-7228

Please visit our Mortgage Refinance page for information on refinance loans and options.

• The minimum amount per External Account Transfers transaction is $20.
• External Account Transfer limits for each member are determined by the service provider after you have scheduled your first External Account Transfer.  Limits will vary.  For most accounts the maximum number of transactions is 3 per day, for a total maximum transaction amount per day of $2,500 and $5,000 per month.

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

FHA mortgage insurance provides mortgage lenders like Space Coast Credit Union with protection against losses as the result of homeowners not being able to pay (or defaulting) on their mortgage loans. The mortgage lenders bear less risk because FHA will pay a claim to the lender in the event of a homeowner's default. Loans must meet certain requirements established by FHA to qualify for insurance.

Since Space Coast Credit Union is a member-owned financial cooperative, it is important that we provide services to a wide range of members while protecting the interests of the cooperative as a whole. FHA mortgage insurance allows Space Coast Credit Union to be the Florida mortgage lender of choice for potential and current homeowners during every stage of life.

• Community-based institutions are likely to have extensive knowledge of local market conditions that can affect businesses such as yours.
• Smaller regional institutions often give business owners personal access to lenders with local decision-making authority. This can mean faster loan approvals.
• Member-owned institutions such as credit unions are not-for-profit, so they return profits back to members in the form of lower borrowing rates and better savings rates. Such savings can go right to your company's bottom line.
• For the greatest value to your business, look for an institution that has a dedicated business services team that offers consultation services. Ideally, this advice should be available at no cost to you.
• Choose an institution that has convenient branch locations if you prefer to do your banking in person, and that has a complete range of online services that allow you to take care of transactions and access your records from anywhere, at any time.
• Look for an institution that will not only have what you need right now, such as a small business checking account, but also what you may need as your business grows, such as a vehicle loan or commercial real estate loan. Viewing your association with a financial institution as a long-term partnership can help you choose the one that's right for your business.

All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

• Free Business Visa ^® Debit Card
• Free online banking
• Free mobile banking
• Free Online Bill Payer

• Pay bills with SCCU's Online Bill Payer service—make one-time payments or schedule recurring payments, and pay any business or individual
• Transfer funds between SCCU accounts, such as paying your SCCU business loans by transferring payments from your business checking
• Make balance inquiries at any time of day, any day of the year
• View up to 90 days of cleared checks
• View and print your account tax forms
• View an electronic version of your paper account statements
• View, print or save up to five years of account statements

• Your account earns interest at competitive rates
• There are no fees when your balance stays above $4,500
• There are no transaction limits (a combination of items deposited and checks or transfers cleared from your account)
• Your account includes a free Business Visa® Debit Card
• You have the convenience of free online banking, mobile banking, and bill payer services
• You have free access to expert advice and consultation services from our team of experienced Business Advisors

• The SCCU payroll and time management platform: Simple solutions to make payroll processing easier, such as in-house check printing and comprehensive reporting, with 24/7 support by e-mail, chat, or phone
• Merchant services: Cost-effective merchant processing that allows your customers to pay you with a debit or credit card and turns your mobile device into a terminal that accepts a range of card types
• Remote deposit capture services: A fast, convenient way to securely deposit customer checks electronically to your SCCU Business Interest Checking account, saving you trips to the branch location

• Brevard: 321-752-2222
• Broward: 954-704-5000
• Miami-Dade: 305-882-7228
• All other areas: 800-447-7228

• Online Bill Payer: No need to write checks and mail them, or stand in line taking care of your banking in person. Our Online Bill Payer System lets you pay business or individuals right from your SCCU Free Business Checking or Business Interest Checking account. You can quickly make one-time payments or schedule recurring payments, and keep track of your payments in one convenient place.
• View online statements: You can view, print or save electronic versions of your paper account statements.
• Tax forms: Access, view and print your account tax forms.
• Balance inquiries: Check on your account balance any time of day or night.
• Transfer funds from one SCCU account to another: Transfer payments to your SCCU business loans right from your business checking or savings account.

• In the state of Florida, if only the lien holder is being changed and no other changes are being made, the fee is $74.75.
• If a person is being added or removed from the title, then the fee is $86.30.

To send a wire from your SCCU account, you must have a funds transfer agreement and password on file. This form can be completed at any branch location.

You will also need to provide us with the following information:

• Name, address, and routing/ABA number for the bank your wire is going or the bank's swift code if it is an international institution. An IBAN Number will be needed for wires to Europe and a Key Code Number will be needed for wires to Mexico. Refer to the receiving bank for that information. Note: Corresponding bank information is necessary for international banks or if the receiving bank cannot accept wires directly. Refer to the receiving bank for wiring instructions.
• Name, address, phone number and account number of the person receiving the funds, as well as the account type the funds are going into: savings, checking, trust, etc. International wire submission also requires information to be provided on the purpose of the transfer and relationship of the beneficiary.
• Name and account number of your SCCU account, as well as the amount of wire. Please ensure we have more than one phone number on file in your account in case we need to contact you regarding your wire. Most domestic wire transfers sent payable to your name can be completed via phone. All wire requests including those being sent to an international institution; and/or those that are being sent to a different individual or company can be done at a branch.

An electronic title is an electronic version of the original paper title and is stored with the Department of Motor Vehicles (DMV). All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

1. If funds are not available and you've exhausted your other overdraft resources, Overdraft Privilege (ODP) will allow your transaction to be paid up to your limit (for qualified checking accounts*)
2. You will be covered by Overdraft Privilege and charged $30 per item

An electronic title is an electronic version of the original paper title and is stored with the Department of Motor Vehicles (DMV). All vehicle titles are electronic on loans originated after 9/20/06 with the exception of the following:

• Out of State titles

• SCCU refinances without name changes

You can complete this type of transfer at any branch location, or you can request cross account set up thru Online Banking and CALL-24.

Use our External Account Transfers service to transfer funds to another financial institution.

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.

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.

• Your SCCU card number (including expiration date and CVV/CVC code)
• Address (including zip code)
• Security code sent to email associated with your SCCU account
• If you don't have a registered email, then the last 4 digits of the primary cardholder’s Social Security Number (SSN) will be required

1. Login to Online Banking. Not enrolled? Enroll here.
2. Choose the "Bill Payer" tab and then "External Account Transfers" from the menu.
3. Follow the directions to start setting up your accounts

If you're locked out of your Online Banking Account, usually after three failed login attempts, you can regain access by clicking Unlock Account and Reset Password within the error message immediately after you're access is denied.

If you naviate away from this screen, or want to try to regain access at a later time, you can simply select Forgot Password when you try to login again. 

If you didn't get the link or need additional assistance, you may call our Member Service Center or Chat Live with an SCCU Team Member.

• Log into online banking
• Select “Alerts” at the top of the page
• Select which alert(s) you want to subscribe

To enroll in SCCU's free Online Banking service:

• Step 1: Become a member.
• Step 2: Enroll in SCCU Online Banking.

Shared Branches provide you access to your accounts when you're traveling or temporarily living outside of SCCU's business area.

CO-OP Shared Branches allow you to conduct many transactions right in the lobby of credit unions that participate in this Shared Branch approach. To find the nearest participating branch, download the CO-OP Shared Branch app, or visit our locations page for the online CO-OP Shared Branch Locator. You may also call 1-888-748-3266, or text a zip code to 91989 (SB=Shared Branch, SBX=Shared Branch Express self-service).

Transactions types that can be completed at a CO-OP Shared Branch:

• Deposits
• Withdrawals
• Transfers between SCCU accounts
• Purchase Travelers Checks
• Money Orders
• Stop Payment Orders
• Credit Card Cash Advance
• Loan Payments
• Statement Printouts
• Balance Inquiries

• 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

1. The service typically takes 2 to 3 days to complete a credit or debit transaction through the ACH network for total turnaround time of 3 to 5 days for account to account transfer.
2. The External Transfers service generates email notifications to let you know the status of the your transfer, and also alerts you if there is some activity that you did not initiate, helping to prevent any fraud. Please make sure your email address is correct and current.
3. Click on "Create Transfer" under "Transfer Funds."
   1. You can choose to make a one-time transfer, or schedule a recurring transfer between your SCCU checking and savings accounts and your linked external account.
   2. Enter your transfer amount, select a "From" and "To" account, choose when you would like the transfer to occur and click "Submit."

1. Enter the routing number of the other financial institution where you would like to send or receive funds
2. Select the credit union/bank where you hold the account
3. Enter the Account Number, Account Type, Name on Account, and click Submit
4. An email will be sent to your address on file to let you know that the account was setup

• Join Space Coast Credit Union
• Open a deposit account: savings, checking, youth accounts, etc.
• Apply for a first mortgage or home equity loan
• Apply for any consumer loan - vehicle, credit card, savings-secured loans, etc.

Cross Account Transfers give you the ability to make transfer deposits to another SCCU account number via Online Banking or CALL–24. The possibilities are endless!

• Transfer money to a spouse's or child's account
• Have a child away at college? Cross Account Transfers allow you to transfer money to his/her account to help cover expenses.
• You may transfer to any suffix in the “to” account-checking, savings, credit cards, and loans.

Only the primary or joint account holder on the “from” account may request a Cross Account Transfer.

To Set Up Cross Account Transfers:

1. Visit any branch or call the Member Service Center. To protect your account, Cross Account Transfers cannot be set up online.
2. Once your information has been verified, an Associate will complete the process, which allows you to now make transfer deposits to another SCCU account.

To Complete a Cross Account Transfer using CALL–24:

• Log in using the “from” account number and Account Access Code.
• Select the option for Transfers and Withdrawals (option 2), and then Select the prompt to transfer from your savings or checking to the savings or checking of another account number (option 4).
• Enter the suffix you wish to transfer from, along with the suffix you wish to transfer to, and the transfer amount. Complete the request until you hear a confirmation that your transfer has taken place.

To Complete a Cross Account Transfer using Online Banking:

• Log in using the “from” account username and password, and select the “Transfers” tab.
• Select the suffix you wish to transfer from. The “Transfer To” box will list all of the available accounts and suffixes to transfer to. Select the desired account and suffix and select “Verify Transfer Funds”.
• Complete the request until you receive a confirmation that your transfer has taken place.

Payments take one business day once the recipient is registered with the Person-to-Person network. The initial payment can take up to four business days after enrollment.

• Day 0: Transfer has been accepted. A withdrawal transaction is initiated and will be sent to the Fed Network.
• Day 1: Withdrawal transaction is posted on the source account.
• Day 2: A standard two business day hold to ensure the funds availability.
• Day 3: Funds are sent to the destination account and will be made available at opening of next business day.

If you are experiencing problems making your payments due to changes in your financial situation, please call SCCU's Collections department:

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228

• 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.

Yes, it's great for Business Accounts. You can give limited access to bookkeepers, office managers, and other business associates. You decide what they can see and do. You can quickly and easily update permissions as your business changes.

Please remember that access to the Bill Payer System is an "all or nothing" choice, meaning that any family member with the authority to utilize Bill Payer will be able to make payments of any amount, will be able to see all payers and payees, and can also utilize External Account Transfers and Person-to-Person payments.

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.

Sender: EnFact Notifications <noreply@enfactnotifications.com
Subject: Fraud Notification on your Space Coast Credit Union Debit card

Space Coast Credit Union is committed to providing you with the most advanced fraud protection solutions available in the marketplace. Although preventive measures have been taken to secure your Debit card account, please call us immediately, toll-free at: 1-877-253-8964

You will be prompted to enter your Case ID: xxxxxxxxxx

For your protection, we want to verify that the recent transactions on your Debit card account were made with your authorization. You can reach us 24 hours per day, 7 days per week.

Sincerely,
Space Coast Credit Union Fraud Prevention Center

The email notification will also include the Case ID number, Cardholder name,  last four digits of the card, and the suspected fraudulent transaction details.

• Click the “Unlock Account and Reset Password” link provided after lockout
• Provide all membership information requested
• Answer security question
• Choose a new password
• Request the unlock email by clicking “Unlock”
• Log in to their email address on file and follow the link provided to sign in

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.

• Available only for accounts held at financial institutions in the U.S.
• The minimum amount per transaction is $20.
• External Transfer limits for each member are determined by the serviceprovider after you have scheduled your first external account transfer.  Limits will vary.  For most accounts the maximum number of transactions is 3 per day, for a total maximum transaction amount per day of $2,500.
• Transactions into an SCCU account from another financial institution are FREE.
• Transactions out of an SCCU account and into another financial institution are $2 per transaction.
• Transactions are subject to SCCU's non-sufficient funds policy and fees. Attempts to transfer funds that are not available at the time of transfer request are subject to a $30 failed transaction fee.
• Transfers requested by 8:00 p.m. Eastern Time, will begin to be processed the next business day.
• Transfer requests received after 8:00 p.m. Eastern Time, will begin to be processed on the second business day after your request is submitted. Our business days are Monday through Friday, excluding federal holidays.
• May not exceed a total of five (5) transfers weekly from your SCCU checking account(s).
• Only SCCU qualified checking accounts are eligible for use at this time. Transfers may not be made into or out of loan, savings, or sub-savings accounts (including Money Market and My Way accounts).

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.

SCCU External Account Transfers Fees and Limits

• Please visit our SCCU Fee Schedule for a listing of our current fees.
• Please note that External Account Transactions fees are subject to SCCU's non-sufficient funds policy and fees. Attempts to transfer funds that are not available at the time of transfer request are subject to our failed transaction fee. Please visit our SCCU Fee Schedule for a listing of our current fees.

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.

SCCU Mobile Banking consists of the following separate - but complementary - services: 

• Mobile Apps: SCCU's Mobile SmartClient Application (or Mobile App) is an application that gets downloaded to your mobile device, installed, and then runs on your mobile device. The app allows you to use many of the features available through Online Banking today, including: viewing account balances and history, transfer money between SCCU accounts, and find SCCU branch and ATM locations. The SCCU Mobile App also allows you to deposit checks using your phone through SCCU Mobile Deposit, and pay bills with your mobile device using SCCU Mobile Bill Payer.
• Text/SMS Messages: Mobile Text/SMS Banking lets you send text message commands to a short code (a 5-digit phone number belonging to SCCU) to obtain account balances, view account transaction history, or perform account transfers.
• Mobile Web Browser: Mobile Web is an online website accessed through your mobile device, and optimized for mobile device viewing. It allows you to sign on to a mobile device version of SCCU's Online Banking website to enable you to use many of the features available through Online Banking today, just formatted for viewing on a small screen, including: viewing account balances and history, transfer money between SCCU accounts, and find SCCU branch and ATM locations.
• Mobile Alerts: Mobile Alerts allow you to have a wide range of enhanced text, push*, or email messages delivered securely to your mobile device based on your choice of information. Multiple alert types include balance, account fee, transaction, and security-related alerts. (*Push alerts feature currently available on iPhones only.)

Visit our SCCU Mobile page for additional information.

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.

To log into Online Banking for the first time, you'll need the following:

-Your Member Number
-Your Social Security number or Tax ID Number
-And either;
-Your Account Access Code (also referred to as your Call 24 PIN)
-Your zip code