What is Mobile Banking?

Mobile Banking is our mobile service that brings banking to your phone. Mobile Banking allows you to monitor your account from your phone at any time.

What can I do with Mobile Banking?

Mobile Banking allows you to:

My phone doesn't have Internet access. Can I still use Mobile Banking?

Yes. All you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or history.

How do I enroll in Mobile Banking?

You can download the free SMCU Mobile App at the Apple Store or Google Play. To enroll in browser or text banking, log in to Online Banking and click "edit" in the Mobile Banking section of the "Options" tab. Make sure you have your phone handy.

Are there guidelines for creating account "nicknames"?

During enrollment, you are given the option of providing "nicknames" for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for Mobile Banking, because your HIST inquiries use the nickname. It's also included in the account history message returned by the financial institution.

For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.

An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.

How do I access Mobile Banking?

Once you download the SMCU Mobile App, simply click the app icon on your phone to securely login to Mobile Banking. For browser banking, use the URL that was sent to you in your enrollment text message to login.

What phones are supported for Mobile Banking?

Any phone with text messaging capabilities can take advantage of Mobile Banking. The SMCU Mobile App will work on most iPhone and Androids. Some restrictions may apply.

Is Mobile Banking secure?

Yes! When using Mobile Banking, you are protected by these security features:

Can I use Mobile Banking on more than one phone?

Yes. You can add phones, change services or cancel at any time from the Mobile Banking section of the "Options" tab in Online Banking.

 

Need Assistance?

If you have additional questions, call our Member Service Center at (866) 585-7628 for assistance.