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Ways to Pay

Whether it's writing a check, embracing digital platforms, or opting for automatic deductions, there's a payment method tailored to every preference. Select the option that aligns best with your style and take control of your financial management.

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Online & Mobile Banking

At home or on the go, login to online banking and head to Money Movement to check out all the convenient SFCU payment options.

Login to Get Started
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Automatic Payments

Saving time & money by setting up automatic payments from your SFCU account.

SFCU Automatic Payments
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One Time ACH Payment

Make a one time ACH payment* using your account number and routing from another financial institution.

One Time ACH Payment
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Recurring ACH Payment

Setup a recurring ACH payment* using your account number and routing from another financial institution.

Set Up Recurring ACH Payment
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Debit Card

Make a one-time payment* using a non-SFCU debit card. This payment option is only available over the phone with an SFCU contact center agent.

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Call Us, Mail or Stop by

Call us at: 877-642-7328
You can make a payment at your local branch or mail it to:
SFCU
42 Union St.
Sidney, NY 13838
Please include your account number and loan ID in the memo line.

Payment 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. 

  • Payments can be made over the phone using a non-SFCU debit card or by utilizing another financial institution account number and routing number. *Please note: There is a $10 fee for  payments using a non-SFCU account number & routing number or debit card.

  • 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.

    *One-time ACH payments from a non-SFCU account/debit card will incur a $10.00 fee if made over the phone.  For recurring ACH payment plans, a $10 fee will be charged in the first payment. In the event a payment plan is cancelled/voided and reestablished with a contact center agent, the initial $10 fee will be charged again.  Avoid fees by setting your payment up online.