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  • Knowledge Base
  • 1. What holidays do you observe? Views: 0 Public
    SMCU observes the following holidays: New Year's Day Martin Luther King's Birthday President's Day Memorial Day Juneteenth Independence Day Labor Day Veterans' Day Thanksgiving Day Native American Heritage Day (the Friday following Thanksgiving) Christmas Day columbus easter black eve groundhog st saint patrick's juneteenth fourth of july halloween valentines
  • 2. Should I purchase more than one share certificate? Views: 0 Public
    One of the most effective ways to maximize your investment in share certificates is called laddering. Laddering is a way to stagger the maturities of your share certificates. For example, you could buy a one, two and a three-year share certificate. As each matures, you would reinvest, buying longer term certificates, usually five-year share certificates. This strategy is aimed at having some portion of your certificate portfolio maturing each year. Not only is it great from a liquidity standpoin  More...
  • 3. Is my money safe in a share certificate? Views: 0 Public
    Yes, our share certificates are insured. The insurance coverage limit for all account types, such as regular share, share draft, money market, share certificates, and certificates of deposit.is $250,000, while insurance coverage for retirement share accounts (Traditional or Roth IRAs) is $250,000, separate from other types of accounts owned.. cd
  • 4. Do you offer Share Certificates/certificates with a variable interest rate? Views: 0 Public
    No, we do not offer variable rate certificates.
  • 5. Why can I see my transaction pending in online banking but it has not posted to the account? Views: 0 Public
    If an employer or company submits the ACH file early, it will appear as pending in SMCU online banking. SMCU has not yet received the funds from the Federal Reserve Bank, so the transaction is not final. SMCU posts transactions by settlement date. The company sending the transaction assigns a processing date and the Federal Reserve Bank assigns it a settlement date based on when they receive the file. Sometimes companies and employers have delays and they do not send the files in time to make   More...
  • 6. How do I access SMCU Bill Pay? Views: 0 Public
    Once you have successfully logged into SMCU Online or Mobile Banking, select the Bill Pay widget. Call 888.298.2976 for immediate Bill Pay assistance.
  • 7. How do I stop payment on a check that has been posted through my SMCU Bill Pay? Views: 0 Public
    When you need to place a stop payment on a bill pay check, you can submit your request by calling 888.298.2976. No fee will be assessed for this. A stop payment fee of $25 is only assessed for stop payments on personal checks.
  • 8. How long does it take a wire transfer to get to where it is sent? Views: 0 Public
    Domestic (U.S. destination) wires may take 12 to 72 hours to arrive at the destination financial institution. The receipt time is dependent upon the time the request was received, any weekend or holiday periods, the geographical location of the destination financial institution, and/or the number of correspondent financial institutions involved in the routing process. International (non-U.S. destination) wire transfers, once transmitted outside the United States, are no longer under the jurisdic  More...
  • 9. What are the fees to send out a Domestic or International Wire? Views: 0 Public
    The transfer fee for a Domestic Outgoing Wire is $20, the transfer fee for an International Outgoing Wire is $45. Additional fees may apply as other banks involved in the funds transfer may impose additional charges. Learn More About Wires >
  • 10. Do you offer fraud alerts for SMCU Debit Cards? Views: 0 Public
    Yes, SMCU offers Real-Time Debit Card Fraud Alerts . If SMCU has your cell phone number or email address, and we spot a purchase that looks suspicious, we'll send you a message right away -- at any time of the day. When you receive a text or email alert, simply reply Yes or No Yes = you made the purchase; your card will be unblocked and become available for use No = you do not recognize the purchase; additional transactions on your card will be blocked until we call your primary   More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.