Securely access your money wherever you are. 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!
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 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.
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.
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.
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.
Yes. You can enroll several mobile devices for Mobile Banking.
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.
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.
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.
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.
With SMCU Mobile, our 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:
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
How To Access Mobile Banking with the SMCU Mobile App
How To View Accounts
How To Transfer Funds
How to Deposit a Check with Mobile Deposit
How To Locate ATM or Branch Locations
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:
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.
How To Access the Mobile Banking Browser
How To View Your Accounts
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
How To Locate ATM or Branch Locations
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.
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:
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.
How To View Account Balances
How To View Transaction History
How To Locate St. Mary's ATM Locations
How To Locate St. Mary's Branch Locations
How To Locate ATM and Branch Locations
How To Request Help
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.