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Congrats on your new loan!

Since we don't send billing notices or payment books. Here are some options to review when choosing the payment method that best suits you. If opting for an automated payment solution, get started today to avoid processing delays.

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Setting up your payment through SFCU Online access puts you in control. See everything while logged in & make updates when needed.

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Not Registered for Online Access?

Select Log In from the top of our home page and complete the registration to access your account 24/7! Have your account number handy. It's required to register.

Automated Payment

Prefer not to set-up online?

Call us, go to a branch near you, or chat with us via our virtual branch at We will set-up your automated payment.

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Automated Payment

Want your payment to come from another financial institution?

Just have your other institutions routing and account number available when contacting us. Or use your Debit Card. Debit Card transactions will be charged 2% of the payment amount.

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By Mail

SFCU, 42 Union St, Sidney, NY 13838


In Person

Find a branch near you!

Branches & ATMs
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Online or Automated Payment

Establish one-time or recurring scheduled transfer.

Payment Frequently Asked Questions

  • Setting Up Loan Payment:

    First you will need to add the External Account (see directions below). Once the External Account is established within Online/Mobile you have a few options:

    • Manually transfer the payment amount from your External Account to your SFCU Savings or Checking. Once funds are available in your SFCU account, make a payment transfer.
    • Setup a Recurring Deposit from the External Account to your SFCU Savings or Checking Account.
    1. Select the SFCU destination account from the To Account dropdown menu with the External Account being the From Account.
    2. Select the Amount you want to transfer.
    3. Select Frequency of the transfer. Options include, but are not limited to: Monthly, Semi-Monthly (1st & 15th), Weekly, Biweekly, End of Month, Every 4 Weeks, etc.
    4. Choose the Date (or Start Date) you want the transfer to take place.
    5. Select the Series Ends Date (or number of occurrences) of the recurring transfer. If no end date is selected, the funds will continue to transfer until you cancel.

    • Once the Recurring Deposit is established, you may contact us to have us set-up an automatic transfer from the account receiving the recurring transfer funds. Please note that you will want to allow for the 3 business days an external transfer will take to completely process. (i.e. if your payment is due on the 1oth of each month, you will want to have scheduled the external transfer at least 3 business days prior to the payment due date).
    • Want to set-up the payment as a recurring transfer and be in complete control of the transfers? Simply repeat the process above to establish a recurring transfer from your SFCU Account to your SFCU Loan.

    Note: You can see all recurring transfers that you establish on the Scheduled tab.

    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 into your SFCU savings and/or checking.

    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. 


  • 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.


  • Any payment(s) received after your 10-day grace period will incur a late fee. You may verify your payment history by viewing your SFCU Account Statement or access your history while logged in Online.

    Payment Protection: Your loan may currently not be protected by Credit Insurance Protection! Speak with a loan representative today to see if your loan is eligible.