Mobile Banking FAQs

Yes, we offer mobile banking.

There is no SECU fee for using any of our mobile banking services. However, mobile phone carriers may charge for wireless web/data access and for text messages.

With SECU’s Mobile Banking you can bank anywhere you have your mobile device:

  • Manage accounts- view accounts, account balances, recent transactions
  • Transfer funds- transfer funds between accounts, view recent and scheduled transfers
  • Bill Pay – make a payment, view payees, view recent and scheduled payments
  • Deposit checks – deposit checks by snapping a picture of the front and back
  • Manage alerts – create and view custom alerts with email or text notifications
  • Locations- easily find SECU Financial Centers and surcharge-free ATMs near you.
  • Open an account and apply for a loan

Make a payment to your credit card through Online/Mobile Banking:

  1. Log in to Online or Mobile Banking
  2. Go to “Transfers”
  3. Select the “Detailed” tab (Desktop Only for this step)
  4. Select an account to make the payment From
  5. Choose your credit card account in the pay To section

If you are looking to pay from a non-SECU account, this can only be done through desktop at this time.

  1. Log in to Online Banking
  2. Go to your credit card “Account Details” page
  3. From there, click on “Statements & Payments”
  4. Follow the prompts to make your credit card payment.

Our Mobile Banking capabilities are robust for both channels. Which one you use depends on your preference and your mobile device.
 
 Mobile Website
 Mobile App with Mobile Deposit 
 Free*
 Yes
 Yes
 Secure
 Yes
 Yes
 View Balances
 Yes
 Yes
 Transfer Funds between Accounts 
 Yes
 Yes
 View 90 Days of Account History
 Yes
 Yes
 Bill Pay to Persons or Businesses
 Yes
 Yes
 Locate SECU branches and free ATMs
 Yes
 Yes
 Receive Text Alerts
 Yes
 Yes
 Receive Email Alerts
 Yes
 Yes
 Receive Push Alerts
 No
 Yes
 Mobile Deposit
 No
 Yes
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You will need to be registered for Online Banking. Besides that, the requirements are very simple:

  • Mobile App with Mobile Deposit: Android or iOS device
  • Mobile Website: any internet-enabled phone and browser

First, you will need to be enrolled in Online Banking. Once you are enrolled, follow the steps below:

Mobile App:

  1. Visit the iPhone’s App Store or the Google Play Store to download the “SECU(Maryland)” app
  2. Enter your Online Banking user ID and password
  3. Accept the terms and conditions

Mobile Website:

  1. Go to secumd.org using a mobile device’s web browser
  2. Enter your Online Banking user ID and password

Yes! Mobile deposit is available for iPads and other Apple devices.

eStatements are statements that can be viewed online rather than via paper.

This situation is evaluated on a case-by-case basis. Please contact SECU or schedule an appointment for assistance.

We generally update information in the app every 15 minutes. If you log out and log back in 15 minutes later, your balances should be updated.

Once you have enrolled in Mobile Deposit, you can deposit a check through our Mobile Banking app:

  1. Log in to the Mobile App.
  2. Navigate to “Deposit a Check”.
  3. Sign your check.
  4. Endorse your check with the words “For Mobile Deposit Only to SECU” written/stamped on the back of each check you deposit.
  5. Take a picture of both sides.
  6. Enter the dollar amount of the check.
  7. Submit your mobile deposit.

Savings Bonds, traveler’s checks, foreign checks, third party checks, items stamped with “non-negotiable”, incomplete checks, stale-dated or “post-dated” checks, any checks that contain evidence of alteration to the information, checks purported to be a lottery or prize-winning, and checks previously submitted for deposit are not acceptable for Mobile Deposit.

You may deposit checks through mobile deposit at any time! However, depending on the time of day (after 6 pm ET), you may not see your deposit until the following business day.

For more information, see our Funds Availability Policy.

Deposits will be shown in your balance immediately if completed during business hours. The first $500 of your deposit will be immediately available. The balance of deposits in excess of $500 will be available on the second business day after your deposit.

Note: Deposit amounts may be adjusted up to two business days after a deposit is made.

Write your signature on the signature line on the back of the paper check. Next, print the words “For mobile deposit only to SECU” below your signature. 

Please note, some checks will have a small box printed on the back of the check that indicates mobile deposit. Checking off this box is not a sufficient endorsement. “For mobile deposit only to SECU” must still be legibly printed below your signature.

To check your account balance from your mobile phone, log in to the app and select the “Accounts” option from the navigation.

You can also turn on Snapshot so you can view your balances on a saved device without having to log in. To set this up go to “Settings” on a saved device, and tap on the slider next to “Use Snapshot”.

To add a new device to mobile banking, download the app to the device you wish to use. You can then sign in using your Online Banking username and password which were created when you registered for Online Banking.

There are several potential reasons you may have received an error message on your mobile app. Call SECU’s Contact Center at 410-487-7328 or 800-879-7328 for assistance.

Follow the steps below:

  1. Log in to the mobile app on your phone
  2. From the menu, select “Open an Account”
  3. Select which account you would like to apply for
  4. Follow the on-screen prompts to complete and submit the application

Follow the steps below:

  1. Log in to the mobile app
  2. Tap the Transfers option from the menu
  3. Select the account you want the funds to come from
  4. On the next screen, select the account you would like to make the payment to.
  5. Select the payment option you would like (Regular payment, Principal only, etc.)
  6. Review to make sure the details of the loan payment are correct
  7. Tap Submit Transfer

When using Bill Pay, a paper check will only be sent if the recipient’s account cannot receive electronic transfers.

If your recipient received a paper check from your online bill payment, they may deposit it as they would any normal check.

Typically, your payment will be processed within 3-10 business days.

Yes! Bill Pay is compatible with our mobile app.

To view mobile deposit check images, navigate to the “History” tab of the “Deposit a Check” widget in the mobile app.

Mobile deposit images are available for 6 months.

The daily mobile deposit limit is $10,000 per day.

You can receive any of the following alerts through text message, email, or push notification:

  • Balances Lower/Greater than deposit confirmation
  • Deposit Confirmation
  • Withdrawal Threshold Exceeded
  • Check Cleared
  • Withdrawal Confirmation
  • Overdraft Posted
  • Statement Available
  • Login alert

Yes. Mobile Banking uses encryption similar to Online Banking to keep your information secure and confidential. Our Mobile Banking application does not store any confidential information on your phone. You may choose to save your User ID, if you wish.

Yes. You can login to our mobile website from any mobile device with internet capabilities.

Yes, you may use the mobile web site or app on one mobile device for multiple different account usernames. You will be able to use one mobile device to conduct mobile banking through the mobile web site or app for all your business, personal, etc. accounts.

Yes! We offer Alerts to keep you updated on your balance, account activity, upcoming payments, and more!

  1. Log in to Online Banking.
  2. Choose the “More” widget from the left navigation menu.
  3. Click the “Alerts” option.
  4. Locate the notification you’d like to receive as an alert.
  5. Toggle the switch to turn the Alert on or off.
  6. Choose the delivery method you prefer.
  7. Click “Save”.

Yes, as long as you are able to use a mobile browser you can use this service.

Yes.

Many accounts opened with SECU may be viewed in Mobile Banking. We currently do not display business credit cards via mobile banking.

Yes, there is a five-minute time out for our Mobile Banking.

Paying off your SECU loan can be completed via Online Banking, Mobile Banking or by calling 1-800-879-7328.

Note: a loan payoff is only available online for some loans, namely closed-end, non-revolving loans. If you are looking to pay off open-end, revolving or Mortgage type loans, please visit a Financial Center or call us.

To set up Nicknames, log into mobile banking and select Settings (cog wheel) from the left navigation bar. Once in the Settings area select accounts. Tap or click on the account you want to change the nickname for and select the pencil icon to change the nickname.

SECU’s Mobile Deposit is a service that allows you to deposit checks directly into your SECU personal Checking or Savings account using your smartphones and tablets.

SECU’s Bill Pay is free for all members.

To qualify for SECU’s Mobile Deposit, members must be in good standing, have an active SECU personal Checking account, be a member for at least 30 days, and have registered for Online Banking.

To check if your account is eligible for Mobile Deposit, log into our app via your phone or tablet and tap on the “Deposit a Check” icon. If you don’t receive an ineligibility message, then you are good to go. Visit a Center or call us to discuss if you aren’t able to access mobile deposit.

We currently offer Mobile Deposit for Android phones with an Operating System (OS) of 7 or higher and iOS devices with an OS of 12 or higher and an auto-focused 3.2 megapixel or higher camera.

Yes. You access Mobile Deposit through SECU’s Mobile Banking app, which uses encryption similar to Online Banking to keep your information secure and confidential. SECU’s Mobile Banking applications do not store any confidential information on your phone.

You may deposit checks into any of your SECU personal Checking, Savings, or Money Market accounts.

You can make a deposit using our mobile app’s Mobile Deposit feature. Just open the app and follow the prompts to deposit your check in minutes!

SECU’s Mobile Deposit allows you to deposit only single-party, domestic checks. Savings Bonds, traveler’s checks, foreign checks, third party checks, items stamped with “non-negotiable”, incomplete checks, stale-dated or “post-dated” checks, any checks that contain evidence of alteration to the information, checks purported to be a lottery or prize winning, and checks previously submitted for deposit are not acceptable for Mobile Deposit.

Deposits will be shown in your balance immediately if completed during business hours. The first $500 of your deposit will be immediately available. The balance of deposits in excess of $500 will be available on the second business day after your deposit.

Please note that deposit amounts may be adjusted up to two business days after a deposit is made.

Mobile Deposit is a completely free service offered through the SECU Mobile App.

Store your check(s) in a safe place for 90 days to ensure both SECU and the issuing institution honor the check. After 90 days, shred the check or destroy it in another commercially acceptable manner of data destruction.

You will be provided a confirmation number on your confirmation screen. You may also verify the deposit through Online Banking or Mobile Banking. You may request that an alert be sent to you via text message, email or push notification.

Not in the same transaction, but you can simply click the “done” button when you receive your deposit confirmation number, and then select “deposit check” to deposit another check.

Double check the following:

Your check photos are clear and legible. Be sure that there are no shadows on the check, the check itself is not wrinkled excessively, the image is not blurry from “camera shake,” and the writing is contained within the relevant spaces on the check.

You have positioned the check against a dark or contrasting background.

The MICR line (the bottom portion of the check that includes your account number and SECU’s routing number) is fully visible (be sure the corners of the check are not covering this line). There is space between the MICR line and the edge of the image.

The check number, payee, endorsement, character (numeric) amount, legal (written) amount, and MICR line are all readable. If the check continues to be rejected, bring it to one of our ATMs or Financial Center’s for deposit.