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Online Banking

Manage your finances anywhere, anytime

Skip the trip to the branch and manage your finances right from your computer or mobile device.


Create and manage goals

Stay on top of your finances by creating and managing savings and spending goals right in online banking.

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Credit Score alerts

Enroll to access your Credit Score whenever you are logged in and understand your credit health at any time.

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Account transfers

Quick and easy online or mobile transfers made with just a click or tap. Transfer between SFCU accounts or accounts you have at other financial institutions.


View balances

Easily check your account balances and spending. You can even set up alerts to get notices about balances, direct deposits, loan payments, and more.

Check Credit Score

It's easy to know where you stand

Monitor your credit safely with Credit Score powered by SavvyMoney. With SFCU online banking, you can instantly check your credit score without affecting your report to stay on top of your credit health.

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Download the SFCU Mobile App

Access from Anywhere

Experience the convenience of account access from your mobile devices.

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Chat with a Member Service Representative

Looking for some personal attention? Feel free to contact us and chat with a Member Service Representative. We'll help you set up and manage your SFCU Online Banking account to help you manage finances your way.

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Automatic transfers

Never forget to add to your savings account again. Set up automatic transfers from the account of your choice into your savings account to reach your savings goals even faster.

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Monitor account balances

With online banking from SFCU, you'll always know where you stand. View account balances to quickly and easily stay on top of your finances.

Online Banking Frequently Asked Questions

  • External Transfers – How to Add an External Account (Accounts at other Banks or Credit Unions)

    You will need to complete a one-time set up to add an external account. Started transferring funds to/from external accounts via the Transfers option under Money Movement. See the More Actions tab. Once an account is confirmed, it will continue to be available to transfer funds to/from that account.

    There are a couple of ways to add an external transfer account from Desktop and one from Mobile App:

    1- Select the click the More Actions tab from within Transfers found under Money Movement, then select the Add Account In the App slide the Make a Transfer image to the left to display this option.

    2- Alternatively, you can select Make a Transfer and click Add an account option located within the From account or To account dropdowns.

    Once the Add an Account option has been selected, Select Add an account manually.

    Enter the Account Type, Routing Number, Account Number, and Nickname to initiate the trial/micro deposit. Click the Continue button to add the account. If MFA is enabled, you will be prompted to authenticate. Once the trial deposit workflow has been initiated, a success screen will appear.

    Two trial/test deposits will be sent. This process may take up to 3 business days to complete. Before the account can be added to your profile, you must confirm the value of the first and second trial deposit.

    Verify Trial Deposits

    To confirm the account. Navigate to Settings widget by doing the following:

    1. Click the Profile dropdown menu at the top left of the
    2. Select Settings.
    3. Click the Accounts

    Find the desired account and click the Confirm button next to the account to confirm.

    Enter the dollar amounts of the two micro/ test deposits made by us into the receiving account. Note: You only have three chances to submit the correct trial deposit amounts. After the third failed attempt contact us at 877.642.7328.

    Click the Confirm button to confirm the account, or click the Cancel button to exit the Confirm Trial Deposits window without confirming the account.

    If Trial Deposits are successfully entered, the user will be returned to the Accounts Tab and a green banner will appear at the top stating Your external account has been confirmed.

    Congratulations! This account may now be accessed Online or in the SFCU Mobile App. 

  • If you are experiencing difficulty logging into Online Banking, please verify the following:

    • Are you using the correct username?
      • You would have created a unique username at time of initial registration.
    • Are you using the correct password?
      • If you are unsure of your password, select the ‘Forgot Password’ option to reset the password and access your account.

    If registering for the first time – Only provide the account number without any leading zeros or suffix numbers. When temporary password is provided you must type the entry. The copy/paste function is not allowed.

  • Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

    Here is all you need to do:

    1. Provide Routing Number, which is 221379905
    2. Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
    3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

    It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.


  • We know your credit score’s importance to financial well-being, so we offer Credit Score, conveniently accessed within mobile banking. Credit Score is FREE to our members, and you can check and refresh your credit score and credit report daily without impacting your score. Do you want to improve your credit score to achieve those goals? Whether buying a house, a car, or anything requiring a loan or if you’re going to rent a new apartment or improve your overall creditworthiness, Credit Score can help you.

    With Credit Score, you can set a credit score goal, receive personalized recommendations, and track your progress toward your goal. You can edit your goal anytime, and you will receive messages when meeting milestones to encourage you along the way.

    And there is more! You can access the following features:

    • Personalized Credit Report
    • Real-Time Credit Monitoring Alerts
    • Credit Score Simulator
    • Credit Score Action Plan
    • Credit Score Education

    Are you ready to reach your financial goals? You got this! Enroll in Credit Score today. Ready, Set, Goal!

  • An essential part of your financial health is to keep an eye on your credit score. Credit scores have become such an integral part of our everyday lives. That’s why it’s extremely important that you keep track and understand how your financial decisions affect those three numbers. Our easy-to-use Score Simulator within Credit Score, available online and on the app. The Score Simulator can take the “what ifs” and generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain valuable insights into your future eligibility for loans and credit cards.

    How does the Credit Score Simulator work? The tool will share how much your credit score might increase or decrease based on your specific financial decisions.

    Financial decisions such as:

    • Applying for new credit
    • Getting a new loan
    • Managing your credit card balances
    • Managing your payment activity
    • Making payments on time
    Discover how different financial decisions can impact your credit score, and financial health while making reaching your goals easier than ever.

    Simulate Your Score. See Where You Stand. Now.

  • Did you know identity theft occurs once every 22 seconds? With SFCU’s FREE credit monitoring, give yourself the gift of credit score protect. By enrolling in our Credit Score solution, located within online access and our mobile app, you will get alerts when your credit report changes. These alerts provide you with early notice of potential fraud and identity theft on your credit report, so you can take steps to protect your personal information.
    Here are some more benefits of Credit Score:
    • Daily Access to your Credit Score
    • Credit Score Simulator
    • Personalized Credit Report
    • Credit Report Error Dispute
    • Credit Score Education

    You can also see your credit score, download your full credit report, and dispute any errors with the credit bureau securely within the app. Give yourself the peace of mind and protection you deserve — the gift of credit monitoring.

  • To register, you need to identify yourself by providing:

    1. Social Security Number
    2. Date of Birth
    3. Email address
    4. Zip Code

    A One Time Passcode (OTP) will be sent to the mobile number on file and you will enter that code when prompted. Please note a mobile number MUST be on file with your account in order to receive a security code and complete enrollment. If you do not receive, a secure access code upon first attempting to log in, your contact information on file may be incorrect. Please contact us to update this information at 877-642-7328 or use the secure chat feature.

  • Yes, each owner on the account can setup their own username and password.  A joint owner will follow the same instructions to enroll in online banking as the primary member, but use their own social security number when enrolling.


  • To register, you need to identify yourself by providing:

    1. Tax ID Number – Enter your business’s Tax ID number. If you are a DBA, use the primary owner’s social security number. Note: If you are a DBA using your social security number and have already registered for an individual online banking username and password, you cannot register again. Your business account and individual account will be accessible with the same username and password.
    2. Account Number
    3. Date of Birth (DO NOT ENTER)
    4. Email address
    5. Zip Code

    A One Time Passcode (OTP) will be sent to the mobile number on file and you will enter that code when prompted. If you do not receive, a secure access code upon first attempting to log in, your contact information on file may be incorrect. Please contact us to update this information at 877-642-7328 or use the secure chat feature.

Every time I go to my local SFCU branch I am greeted and taken care of by well trained employees

— Grant R

How it works

It's easy to get online banking with us.

  • 1


    Click "Register for Online Banking" to get started.

  • 2

    Follow the prompts

    Go through the easy setup process. It takes just a few minutes.

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    Manage your money

    Start managing your money online with your computer or mobile device.

Enroll in Online Banking


Have a question? Get in touch with us

All the tools you need to simplify financial management

With online banking from SFCU, you can get easy access to all the financial tools you need to manage your accounts right from your mobile device or computer. It has never been easier to manage your money!