Why Are We Upgrading? To Better Serve You!
We are committed to offering new services to help our members stay on top of their finances. Our new Online Banking, Bill Pay and our mobile banking app offer new features, easier navigation, and provides you with more control.
Online System Upgrade Schedule
IMPORTANT: To ensure access to our new Online Banking system, please verify your contact information (phone number and email address) prior to January 26, 2022. You can update your information from within your Online Banking account, by phone with our Call Center at (956) 661-4000 Option #7, or at any of our branches.
During the upgrade, account access is available through our automated Bank by Phone system at (956) 661-4000.
Online Banking, Bill Pay and Text Banking will be available after 1 PM on Saturday, January 29. Mobile Banking will be available after 9 AM on Sunday, January 30.
New Features
Online Banking/Bill Pay
We are committed to offering new services to help our members stay on top of their finances. Our new Online Banking and Bill Pay site and our Mobile Banking app offer new features, easier navigation, and provides you more control.
Bill Pay:
Online Banking:
A New Design and Easier Navigation
View Account(s) Balances on a Dashboard View
Send Money with Zelle
Easier External Account Transfers
Secure Live Chat
Credit Monitoring and Alerts
View and analyze current spending patterns, transaction history
Set Budgets & Savings Goals, and Track Progress with Trends
Financial Education Tools
Incorporated Bill Pay
Mobile Banking
Make Internal and External transfers
Secure Live Chat
Send Money with Zelle
Set Custom Alerts
Change Account Password
Credit Monitoring and Alerts
Trends Budgeting Tools
Trends is a new feature upgrade within Online Banking that will provide you access to awesome budgeting tools! With Trends, you can monitor your current spending patterns while analyzing transaction histories.
Set Budgets
Establish Savings Goals
Track Progress
Instant Credit Score Access
Financial Improvement Tips
Savings Opportunities
Financial Education Tools
Credit Report Monitoring and Alerts
Zelle
Zelle is a fast, safe and easy way to send money in minutes to friends, family and others you trust, using only their U.S. mobile number or email address. Use Zelle in your SFCU Mobile Banking App to send money directly from your bank account to theirs. With Zelle, you can also receive money directly into your bank account within minutes.
How do I set up Zelle?
Log in to Online Banking
Click on the Bill Pay tab
Select “Send Money with Zelle”
Enroll your U.S. mobile number or email address
You are ready to start sending and receive money from Zelle
SavvyMoney
We’re excited to offer Credit Score by SavvyMoney! SavvyMoney is a FREE comprehensive Credit Score program designed to help you stay on top of your credit. This new tool breaks down and grades each section of your report on payment history, credit usage, total balances, credit age, and recent credit. In addition, Credit Score tells you why your grade is what it is and how to improve and increase your score.
Check your Latest Credit Score
Daily Score Updates
Credit Monitoring
Change Alerts
A few things going away
Popmoney
This service will be replaced with Zelle
On January 31. 2022, Security First Credit Union will beReplacing Popmoney® with Zelle®
If you like Popmoney, you are going to love Zelle®. It’s a fast, safe and easy way to send and receive money with friends, family and others you know and trust. Best of all, money arrives typically within minutes between enrolled users.²
Important Reminders:
All scheduled or recurring Popmoney payments in Pending status will be cancelled at the time of the event. You may reschedule the payment after enrolling in Zelle.
Notify your Contacts that you will no longer be using Popmoney. Ask your contacts to enroll with Zelle® before you send them money – this will help them get your payment more quickly.
For a full list of participating banks and credit unions live with Zelle® go to Zellepay.com. If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. If you receive Popmoney payments, please ask the Sender to use Zelle® to send money to you instead. If the sender’s bank does not offer Zelle®, they can easily enroll in the Zelle® app (available in the App Store or GooglePlay) with a U.S.-based VISA® or Mastercard® debit card.
If you have any questions, please feel free to contact our Call Center at (956) 661-4000, opt. 7, and they will be happy to provide you with any additional details you may need!
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. ¹Must have a bank account in the U.S. to use Zelle®. ²Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. ³Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Security First Credit Union but are a separate service from Zelle® and can take 1 – 3 business days to process.
Account to Account Transfers: This will be replaced with TransferNow.
Bill Pay Window: There will be no more separate window for Bill Pay. It will now be accessible directly through the Online Banking menu.
One User Login for multiple accounts: After the upgrade, each account will require its own User ID and Password.
Things that will not be changing after the system upgrade
SFCU Debit and Credit Card Numbers
SFCU Account Numbers
eStatements or Check Images
Check Numbers
Routing Number
Branch Locations and Hours
Call Center Hours
Website address (securityfirstcu.com)
Social Media Platforms
System Upgrade FAQs User Name/ Password Assistance
If you need assistance with logging in (User ID or Password issues), please contact our Call Center at (956) 661-4000, opt. 7, M-F 8 AM – 6:30 PM and Sat. 9 AM – 2 PM. Please refer to our System Upgrade Schedule above for Call Center availability.
Q. Why are we upgrading our system?
To better serve you! We have updated Online Banking, Bill Pay and Mobile Banking to give you better tools for managing your money, paying bills, track spending, and much more!
Q. When will the upgrade take place?
See System Upgrade Schedule Above.
Online Banking
Q. During the upgrade, will I be able to access my accounts?
No. Please refer to our System Upgrade Schedule section for information.
Q. Can I use ATMs and my SFCU debit card during the upgrade?
Yes. Just know during the downtime, you will not be able to access Online Banking or Mobile Banking. You can, however, call our Bank by Phone system at (956) 661-4000 or check balances at any of our ATMs
Q. I am an existing Online Banking user. Do I need to re-enroll after the upgrade?
Your User ID will remain the same. However, your password and security questions will need to be set up again. When accessing Online Banking for the first time, please use your current User ID and follow these steps below:
Step 1: Enter the User ID you currently use today. Your password will default to the last 6 digits of the primary account holder’s social security number on your EIN/TIN for business accounts. You will be prompted to change the password during your first login.
Step 2: Create 5 new security questions and answers. Make sure they are easy for your to remember but difficult for others to guess.
Step 3: You will need to set up a phone number for identity verification and enter the 4-digit verification code that will be provided to you via text message or phone call.
Step 4: Read and accept the terms and conditions.
Bonus Feature: You can also complete the first-time login process through your Mobile Banking App and skip step 3.
Q. Will my account transactional history be available after the upgrade?
Yes. Your history will transfer over with the upgrade.
Q. Will automatic withdrawals and direct deposits be impacted?
Not ACH – payroll deposit, recurring monthly deductions like insurance payments set up with your routing number and accounting number. Bill Pay items may be impacted.
Q. Will I be able to view multiple accounts with one User ID?
No. Each account will need a separate User ID and password.
Q. I am a joint owner on my account. Do I have access to Trends and to “My Credit Score”?
Yes, you have access to Trends and “My Credit Score,” but all the financial information displayed pertains to the primary owner of the account. To have your information displayed, you would need to open another account as the primary owner.
Bill Pay
Q. Will my recurring Bill Pay payments process during this system downtime?
Yes. All scheduled payments (one-time or recurring) prior to January 30, 2022, will be processed as scheduled.
Q. What happens to my payees, payments, etc., during the conversion?
All your payees and payments will transfer over to the new Online Banking system.
Q. Will Bill Pay still process the same way?
Yes. The process will remain the same. The only difference now is that Bill Pay is fully integrated into Online Banking. You will no longer have to access via a separate window.
Q. Will Popmoney still be available?
No. We are converting to Zelle! Now, you can easily use Zelle to send money to anyone.
Q. Will my Popmoney® contacts and payments still process during the conversion?
As part of our system upgrade, Popmoney will be replaced with Zelle. During the conversion, all future and recurring payments in Popmoney will be canceled. Once the conversion is completed, you will have to set up your contacts in Zelle. So, be sure to make a copy of all your contacts, payments, and recurring payments for a smooth transition when you set up your new Zelle account through Bill Pay.
eStatements
Q. Do I need to re-enroll into eStatements?
No. Your eStatements access will be the same and available after the upgrade.
Q. Will my eStatement history be available after the upgrade?
Yes. Your eStatement history and past check images will be transferred over to the new system.
Q. Will my bill payees carry over after the upgrade?
Yes. All your payees and payments will transfer over to the new system.
Mobile Banking
Q. Will I need to re-enroll into Mobile Banking or reinstall the app again?
Your Mobile Banking App may automatically update upon initial access. As with Online Banking, your User ID will remain the same. However, your password and security questions will need to be set up again. After the upgrade, you can perform your initial log in through the PC for Online Banking or through your Mobile Banking App.
Q. Will the new features in Online Banking also be accessible through Mobile Banking?
Yes. You will have access to the same great features conventionally from your smartphone.
Q. Will there be a tablet application for Mobile Banking available?
Yes. You will have access to the same great features conveniently from your tablet as you do from your smartphone and PC.
For a complete list of compatible devices, please click here.
Visit our app store or click below for direct access to our app pages:
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IMPORTANT NOTICE: Please contact the IRS directly for the most current information on the third round of stimulus payments. Please do not contact Security First Credit Union in regards to status. Learn more at irs.gov
Please visit our updates page for additional information.
Please note: The IRS is urging people to visit IRS.gov for the most current information on the second round of stimulus payments rather than calling the agency, financial institutions, or tax software providers. The IRS has advised that the IRS phone assistors do not have additional information beyond what’s available on IRS.gov.
For more information about Economic Impact Payments and the 2020 Recovery Rebate Credit, visit IRS.gov/eip. You can check the status of your payment at IRS.gov/GetMyPayment. For other COVID-19-related tax relief, visit IRS.gov/Coronavirus.
Attention Members: We have updated our online banking authentication and fraud detection. Effective Wednesday, December 9, 2020, site authentication images will no longer be required. Upon login, you will need to re-select your three (3) security questions and answers or select new security questions and answers. You will not be able to access your Mobile Banking App until this is complete. Our new method of authentication is designed to measure the risk associated with a user’s login and post-login activities by measuring a number of risk indicators. This method provides transparent authentication for the majority of users, ensuring a more positive user experience. Behind the scenes, we evaluate fraud and risk in real-time and are able to respond to any detected anomalies. We believe this newer security technology will increase the efficiency and satisfaction of your online banking experience.
Notice: We will never call unprompted or text asking for your online banking login, debit or credit card number, security codes, or your Social Security Number. Please contact us immediately at (956) 661-4000, opt. 7, if you suspect fraud on your account.
Holiday Notice: Closed Memorial Day, Monday, May 30.
