We’ve got your back with online resources for self-service banking and 24/7 account access.
As a SMW 104 Federal Credit Union Online Banking user, you can manage your account for free and:
If you’re like most people, time has become more and more valuable, and writing out a check each month to pay a bill, purchasing stamps and remembering to drop it in the mail doesn’t always fit into our busy daily life.
Submitting your one-time registration for SMW 104 Federal Credit Union Bill Payment can eliminate all of that by streamlining your bill paying process by creating your payee profiles ahead of time. When ready, simply login to your Online Banking account and schedule the payment date and amount. Additionally, you can set-up recurring bill payments, such as your mortgage, which will automatically debit your account for the amount and date you have established.
Access your accounts while you’re on the go using your mobile device via the SMW 104 Federal Credit Union Mobile App [SMW 104 FCU]. You must be a registered user of SMW 104 Federal Credit Union Online Banking in order to access your account through our Mobile App. To get started with your Online Banking enrollment, simply contact one of our friendly representatives at 800-464-5987.
Mobile App Features:
With Mobile Deposit you can deposit checks into your account from anywhere by using your smart phone or tablet. Take the hassle out of driving to the ATM or standing in line at a branch by making deposits while on the go.
To begin, simply log into to your SMW 104 Federal Credit Union account via Online Banking and complete the request form, which is located under the Accounts tab. Qualified accounts will receive an email from us with the link to download the free SMW 104 Federal Credit Union Mobile Deposit App. Within a few hours of submission (during our regular business hours), you will be ready to register your mobile device and start making deposits.
To use Mobile Deposit after logging into the App:
You can review your deposit and account balance by logging into your account via SMW 104 Federal Credit Union Online Banking or through the Mobile App. Deposits made by 6:30pm (PST) will be processed the same day. Deposits made after the cutoff will be processed on the next business day.
You can now use your SMW 104 FCU Debit or Credit Card using Apple Pay* at eligible stores. It is as easy as holding your phone up to a contactless reader at gas stations, pharmacies, grocery stores, retail locations, & more!
Easily add your card to Apple Wallet on your iPhone and no more need to fumble around your wallet or enter extra info during checkout!
*Not currently supported on Google/Android devices.
Enrolling in eStatements is a simple and secure way of accessing your account statements and eliminates the need to send your personal information through the mail.
Registration is as easy as 1-2-3!
*If your email address has changed, please update your online account as well as your eStatement registration to ensure your eStatement notifications do not get rejected.
You must be a registered user of SMW 104 Federal Credit Union Online Banking. If you have not registered, please call us at 800-464-5987 to get started.
No. Our Mobile Deposit product is a standalone App. You must request enrollment by logging into your account through Online Banking, or if using a mobile device, navigate to the full site version of our website (smw104fcu.org) and complete the Mobile Deposit Request form located under the Accounts tab when logged in.
Contact SMW 104 Federal Credit Union immediately by calling 800-464-5987 so we can delete your mobile device from accessibility to our Mobile App.
An iPhone or iPad – iOS 4.3 & higher
An Android – OS 2.2 & higher
Your SMW 104 Federal Credit Union account is not in good standing.
You have not enrolled in SMW 104 Federal Credit Union Online Banking and submitted your request for Mobile Deposit.
Simply scroll to the icons located at the bottom of the screen to the left and tap HELP.
Once the deposit shows as complete on the deposit screen, you can log into your account via Online Banking to confirm the actual posting.
Each deposit is submitted and processed separately.
Once you receive confirmation of deposit (by logging into your account via Online Banking), mark VOID on the front of the check and retain it in a safe place for 90 days; properly dispose of the item after that.
There is no cutoff time for submitting your deposit. However, any check deposit submitted through SMW 104 Federal Credit Union Mobile Deposit after 6:30pm (PST) will be credited to your account on our next business day. Please refer to our holiday schedule/early closure dates located on the Contact Us page as deposits made after the credit union has closed on those dates referenced will be credited to your account on our next business day.
You must login to each account separately through SMW 104 Federal Credit Union Online Banking and submit your request form.
If your SMW 104 Federal Credit Union account is a joint account, each account holder will have to download the App and register their specific device by tapping “New Deposit User” on the login screen. Only the shared accounts you have access to will be displayed.