Mobile Banking

Securely access your money wherever you are. Our new & improved mobile banking is easy, reliable and FREE! It puts your most important banking tasks within your reach in your purse or pocket, anytime, anywhere!

This convenient service can be used in three ways: SMS text messaging, mobile browser service, or through a secure, downloadable app for smartphones that works on most mobile devices. Pick the one that works best with your device and get banking on the go!

We are happy to announce that Bill Pay is now available within our SMCU Mobile App and Mobile Browser! Within our SMCU Mobile app, you can also use Bill Pay to make Popmoney person-to-person payments. Try this new feature today and securely pay virtually anyone with just a touch of your fingertip!*

Download the iPhone app

Download the Android app

Mobile Banking
Flash Content
Summary
  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Deposit checks with Mobile Deposit
  • Pay bills and make person-to-person payments
  • Get directions to branches and ATMs
  • Receive eAlerts about account activity
  • Text, browse, or use our smartphone app
  • Download free app from iTunes or Google Play
  • Must be an Online Banking user to use Mobile Banking

Don't have a smartphone? You can still use Mobile Banking via text messaging or your phone's browser. To sign up for these services, just log in to Online Banking and click "Options" and then "Edit" in the Mobile Banking section to enroll. And if you have any questions, you can watch this quick mobile banking demo.


*Mobile Bill Pay is designed to work with your existing billers. To add a new biller or update an existing biller's information, please use Bill Pay within Online Banking.


Is Mobile Banking secure?

Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

At a high level, Mobile Banking offers the following security safeguards:

Authentication - Mobile browser and downloadable application users are authenticated for every interaction with any Mobile Banking component. Users are authenticated by a multilayered security system consisting of their log in credentials, their device and by geographic indicators.

Encryption -128-bit encryption is used for all transactions within Mobile Banking.

Fraud Detection - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.

Availability/Resilience - Mobile Banking is protected against malicious attacks through software and server hardening measures.

Audit Ability - Mobile Banking provides full audit capabilities through event logs and event-based reporting.

Is my personal or financial information stored on my phone?

No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Which accounts can I access using Mobile Banking?

You can access any account you have set up in Online Banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

How current is the account and transaction information?

When you view your account balance, you will see the current balance and the available balance. When you view transaction history, you will see the most recently posted transactions.

Can I add more than one mobile phone?

Yes. You can enroll several mobile devices for Mobile Banking.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Online Banking.

Which phones can I use for Mobile Banking?

Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

I have a prepaid plan, can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

SMCU Mobile App

With SMCU Mobile, our new smartphone app for Mobile Banking, you can access your St. Mary's Credit Union accounts with just a tap or two on your smartphone. Simply download the free SMCU Mobile app and keep the icon handy on your device for easy future account access.

The SMCU Mobile app and all of our Mobile Banking services is completely secure. Information can only be viewed on the registered mobile device on which you have downloaded SMCU Mobile. Your personal and financial information will never be stored on your device. Use the SMCU Mobile service to:

  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Deposit checks with Mobile Deposit
  • View, schedule and edit bill payments
  • Make person-to-person payments with Popmoney
  • Find ATM and branch locations

Download the iPhone app

Download the Android app


Basics of Mobile Banking with SMCU Mobile

The SMCU Mobile App Works on Most Smartphones

SMCU Mobile is supported by a wide range of smartphones, operating systems and carriers. Unfortunately, we are not developing a SMCU Mobile app for BlackBerries.

How To Download the SMCU Mobile App

Simply visit the SMCU Mobile download pages in iTunes and Google Play. Follow the download directions to add the app to your iPhone or Android smartphone.

How To Access Mobile Banking with the SMCU Mobile App

1. Select the SMCU Mobile icon on your smartphone and enter your personal sign in credentials.

How To View Accounts

1. After logging in to Mobile Banking with the app, the Main Menu page is displayed. Select "Accounts".

2. The Accounts page is displayed. All accounts enrolled in Mobile Banking display along with the account balance. Select the account balance to view a list of transactions for the appropriate account.

3. The Account Details page is displayed. Select "Transaction History" to view transaction history for the appropriate account.

4. The Transactions page is displayed. Select "Account Details" to return to the Account Details page.

5. Select "Log Out" to close Mobile Banking.

How To Transfer Funds

1. After logging in to Mobile Banking with the app, the Main Menu page is displayed. Select "Transfers".

2. The Transfer Money page is displayed. Establish the following:

- Transfer From: Select the account to debit for the transfer.

- Transfer To: Select the account to credit for the transfer.

- Amount: Enter the amount of the transfer.

- Select "Next".

4. The Transfer Amount page is displayed. Enter the transfer amount and select "Next".

5. The Confirm Transfer page is displayed. Select "Yes".

6. The Transfer Confirmation page is displayed.

7. Select "Menu" to return to the Main Menu.

8. Select "Log Out" to close Mobile Banking.

How to Deposit a Check with Mobile Deposit

1. After logging in to Mobile Banking with the app, the Main Menu page is displayed. Select "Deposits".

2. The Mobile Deposit page is displayed. Chose if you want to make a new deposit or view your mobile deposit history.

3. Select which account you would like to make a deposit it from the list provided, and enter the amount of the check that you wish to deposit.

4. With you smartphone's camera, follow the prompts to take a picture of the front and back of the check that you wish to deposit.

5. Securely submit the photos of the checks to us by following the prompts.

6. Mobile deposits will be displayed in the history list as "pending" until they have been processed by us.

How To Locate ATM or Branch Locations

1. After logging in to Mobile Banking with the app, the Main Menu page is displayed. Select "Locations".

2. The ATM & Branch Search page is displayed. Select "Search by Address".

3. The Search by Address page is displayed. Enter the appropriate search criteria and select "Search".

4. The Search Results page is displayed. Select the appropriate ATM or branch.

5. Details for the ATM or branch are displayed. Select "Map It" for directions to the ATM or branch.

6. A map displaying the location of the ATM or branch is displayed.

7. Select "Menu" to return to the Main Menu page.

8. Select "Log Out" to close Mobile Banking.

Browser

With Mobile Banking, you can access your St. Mary's Credit Union accounts by tapping into the Internet browser on your cell phone. Simply use your unique Mobile Browser hyperlink to login to your personal Mobile Banking site. The Mobile Banking browser and site are totally secure. Information can only be viewed on the registered mobile device on which you are visiting the site. Your personal and financial information will never be stored on your devices.

Use the mobile browser service to:

  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • View, schedule and edit bill payments
  • Find ATM and branch locations

To use the mobile browser service, your mobile device must have an Internet browser and may require a data service plan. You access our Mobile Banking website using the link sent by SMS text message during the enrollment process.

Basics of Browser Mobile Banking

How To Access the Mobile Banking Browser

1. From the text message received after activating the mobile device, select the mobile browser hyperlink. Note: Bookmark the mobile browser hyperlink to easily access Mobile Banking in the future.

How To View Your Accounts

1. Log in to Mobile Banking using your current Internet banking login credentials.

2. The Main Menu page is displayed. Select "View Accounts".

3. The Account Balances page is displayed. All accounts enrolled in Mobile Money display along with the account balance.

Select the account balance to view a list of transactions for the appropriate account.

4. The Account Details page is displayed. Select "Transactions" to view transaction history for the appropriate account.

5. The Transaction History page is displayed.

Select "Prev" to view the previous transaction.

Select "Next" to view the next transaction.

Select "Back" to return to the History page.

Select "Menu" to return to the Main Menu.

Select "Log Off" to close Mobile Money.

How To Transfer Funds

1. Log in to Mobile Banking using your current Internet banking login.

2. The Main Menu page is displayed. Select "Transfer Money".

3. The Transfer Money page is displayed. Establish the following:

- Transfer From: Select the account to debit for the transfer.

- Transfer To: Select the account to credit for the transfer.

- Amount: Enter the amount of the transfer.

- Select "Next".

4. The Transfer Amount page is displayed. Enter the transfer amount and select "Next".

5. The Confirm Transfer page is displayed. Select "Yes".

6. The Transfer Confirmation page is displayed.

7. Select "Menu" to return to the Main Menu.

8. Select "Log Out" to close Mobile Banking.

How To Locate ATM or Branch Locations

1. Log in to Mobile Banking using your current Internet banking login.

2. The Main Menu page is displayed. Select "Find ATM/Branch".

3. The ATM & Branch Search page is displayed. Select "Search by Current Location", "Search by Address" or "Search by Category". Enter the appropriate search criteria and select "Search".

4. The Search Results page is displayed. Select the appropriate ATM or branch.

5. Details for the ATM or branch are displayed. Select "Map It" for directions to the ATM or branch.

6. A map displaying the location of the ATM or branch is displayed.

7. Select "Menu" to return to the Main Menu page.

8. Select "Log Out" to close Mobile Banking.

Frequently Asked Questions About Browser Mobile Banking

When I click the link for the Mobile Banking website nothing happens, what should I do?

Every mobile device and mobile network is different, so you may not be able to click on a link in a text message. Try these troubleshooting tips:

Open the text message and click the "Send" or "Go" button on your mobile device to access the website URL. Then click the address to go directly to the website. Or, open the text message and write down your unique website URL. Type the URL in your device's web browser to go directly to the website. If you still can't access the Mobile Banking website, contact your mobile service carrier.

SMS Texting

Accessing your St. Mary's Credit Union accounts with Mobile Banking is as easy as sending us a text message! Simply send us the text phrases listed below to the short code that you received when you activate your mobile device, and you'll receive a secure text message from us with your requested information.

Mobile Banking via text messaging is totally secure. The text messages that you will receive from us will only be sent to the registered mobile device from which you are texting us. Your personal and financial information will never be stored on your phone. Use the SMS text messaging service to:

  • Check account balances
  • Review recent account activity
  • Find ATM and branch locations

To use the SMS text messaging service, your mobile device must send and receive text messages to and from a short code. Most mobile devices are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

Basics of Mobile Banking by SMS/Text

How To View Account Balances

1. Send "B", "BAL", "BALANCE" or "BALANCES" to the short code received after activating the mobile device.

2. A text message is returned displaying the balances for the accounts enrolled in Mobile Banking.


How To View Transaction History

1. Send "STMT", "TRAN" or "HIST" plus the nickname for the account (e.g., HIST Free Checking) to the short code received after activating the mobile device.

2. A text message is returned displaying the transaction history for the account.

3. Reply to the transaction history text with the word "NEXT" or "MORE" to view the next group of transactions.

4. A text message is returned displaying the transaction history for the next group of transactions.

5. Repeat steps 3-4 to view the next group of transactions.


How To Locate St. Mary's ATM Locations

1. Send "ATM" plus the ZIP code, city or state for the ATM (e.g., ATM 01752) to the short code received after activating the mobile device.

2. A text message is returned displaying nearby St. Mary's Credit Union ATM locations.


How To Locate St. Mary's Branch Locations

1. Send "BRANCH" plus the ZIP code, city or state for the branch (e.g., BRANCH Hudson MA) to the short code received after activating the mobile device.

2. A text message is returned displaying the nearby St. Mary's Credit Union branch locations.


How To Locate ATM and Branch Locations

1. Send "BOTH" plus the ZIP code, city or state for the branch (e.g., BOTH 01752) to the short code received after activating the mobile device.

2. A text message is returned displaying both the ATM and branch location(s) for the institution.


How To Request Help

1. Send "HELP" or "HLP" to the short code received after activating the mobile device.

2. A text message is returned displaying a list of acceptable keywords.


Frequently Asked Questions About Mobile Banking by SMS/Text

Are the keywords case-sensitive?

No. Whether you type "BAL" or "bal," a response with your account balance information is sent to your mobile device.

What should I do if I don't get a response to a request?

Make sure you are sending text messages to the <short code>. Check the keyword and any additional information required for the request, such as the financial institution's identifier, account nickname, or address.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters. If your account information exceeds the character limit your account information is sent in multiple messages - no more than five at a time.

I have text messaging enabled on my mobile device, why can't I receive text messages?

Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.

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