Online Banking FAQs

  • What is Sacramento Credit Union's Online Banking?
    Online Banking is an electronic service providing members no fee, virtually 24 hour access to their accounts through the Internet using a personal computer. Online Banking provides account information similar to that currently offered through Sacramento Credit Union's EZ-Access automated phone system. EZ-Access provides members virtually 24 hour access to their accounts through a touch-tone telephone. With both Online Banking and EZ-Access members can obtain account histories, make transfers and loan payments, place stop payments and much more.

  • How do I enroll for Online Banking?
    Click here to enroll for Online Banking.
    Quick Start Guide

  • How do I find my Member Number
    Your member number can be found on your SCU statement.
    If you are still unable to locate your member number, please call 916-444-6070 during normal business hours for assistance.
    Note: For your protection, your member number is not listed on your Sacramento Credit Union Visa Check or ATM Card, and can't be directly referenced from your Social Security Number.

  • Why can I only use certain web browsers?
    For security purposes, Sacramento Credit Union's Online Banking system requires that your web browser support Secure Socket Layers (SSL). Browsers that are SSL enabled contain the necessary encryption algorithms to "scramble" the information that is transmitted between you and the Sacramento Credit Union computer system. We highly recommend that you use a browser with high encryption (128 Bit). High encryption is included in the latest version of Microsoft Internet Explorer browser. This ensures the confidentiality of information you submit electronically.

  • Is Online Banking safe? Are my accounts secure?
    Sacramento Credit Union has taken many steps to ensure that your financial transactions are secure when you are entering Online Banking through the Internet. The two most important security features of Online Banking are your password and your SSL (secure socket layer) enabled browser.

    Online Banking Password:
    Your password is known only to you. Without it, you cannot access your Sacramento Credit Union account through Online Banking. For your protection, Sacramento Credit Union recommends that you memorize your password and do not write it down. You should never give your password to anyone or let anyone see you enter your password when you are logging into Online Banking. In addition, we recommend that you periodically change and do not use easily identified passwords.

    To enhance the security of your password, when you enter the Online Banking system, you will have only a limited number of times to input your password. If you exceed the limit, Online Banking will deny you entry into the system, even if you enter the password correctly. If you accidentally become blocked from entering Online Banking, please call Member Services at (916) 444-6070.

    If you think your password may have been compromised or you notice any unusual activity on your Sacramento Credit Union account, contact our Member Services Department immediately at (916) 444-6070. Keep all documents that include your account information in a secure place so that confidential information cannot be obtained by others. These documents include ATM receipts, account statements, your ATM Personal Identification Number, and your password.

    SSL Enabled Browsers:
    Your SSL enabled browser contain the necessary encryption algorithms to "scramble" the information that is transmitted between you and Sacramento Credit Union's computer system. We highly recommend that you use a browser with high encryption (128 Bit). High encryption is included in the latest version of Microsoft Internet Explorer browser. This ensures the confidentiality of information you submit electronically.

  • What is SCU's policy regarding cookies?
    Cookies are bits of information that a Web site sends to a user's PC; the user's computer may then show the information back to the server on subsequent pages, actions or visits. There are two types of cookies PERSISTENT and SESSION. Persistent cookies expire on a specific future date, Session cookies expire once the session has ended. Online Banking uses what is called a 'Session ID'. This is a random number that is generated when you log into Online Banking. It is used to ensure that a user who requests a page is the user who gets the correct response. The Session ID expires when you leave Online Banking. No personal or account information is stored in the cookie.

  • Can anyone else see my account information? Is my information publicly available?
    Online Banking requires a correct account number and password to access confidential account information stored on the Sacramento Credit Union computer system. Unless you share your password with someone else, no one other than you will be able to access your account information through Online Banking. For security purposes, we recommend that you memorize your password and do not write it down. In addition, to enhance security over your account information we recommend that you periodically change your password.

    If you think your password may have been compromised or you notice any unusual activity on your Sacramento Credit Union account, contact our Member Services Department immediately at (916) 444-6070. Keep all documents that include your account information in a secure place so that confidential information cannot be obtained by others. This would include ATM receipts, account statements, your ATM Personal Identification Number, and your password.

  • How do I change my address?
    An address change may be made by clicking on "Your Profile" within Online Banking.

  • How can I make a deposit?
    Deposits may be made at all SCU owned ATMs*, Co-Op ATMs across the country*, in person at any SCU branch or office location, or by mail (please note member number and account type on the face of the check). Please mail to PO Box 2351, Sacramento, CA 95812-2351.

    * At ATMs that accept deposit transactions. Available functions may differ by location.

  • In Case of Errors or Questions About Your Electronic Transfers
    If you think that an electronic transfer shown on your statment is wrong or, if you need more information about a transfer, contact us at the telephone number or address listed under the How to Contact Us section at the end of this disclosure. Please tell us all the information requested under the section entitled What to Tell us in Case of Any Error or Inquire at the end of this disclosure.

    We must hear from you no later than sixty (60) days after we sent you the FIRST statement of which the error or problem appeared. If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days for Point of Sale (POS) transactions or transactions involving foreign countries). After we hear from you and will correct any error promptly.

    If we need more time, however, we may take up to forty-five (45) days (ninety (90) business days for Point of Sale (POS) transactions or transactions involving foreign countries) to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10) business days (twenty (20) business days for Point of Sale (POS) transactions or transactions involving foreign countries) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

    If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

    How to Contact Us.

    Call (916) 444-6070 or toll free at 1-(888) SACTO-01. You may also visit any Sacramento Credit Union office or write to us at:
    Member Services
    Sacramento Credit Union
    P.O. Box 2351
    Sacramento, CA 95814

    What to Tell Us in Case of any Error or Inquiry Please...

    1. Tell us your name;
    2. member/account number;
    3. describe the error or the transfer about which you are unsure;
    4. explain, as clearly as you can, why you believe there is an error;
    5. tell us the dollar amount; and,
    6. the date in question.