Mobile Banking

Find answers to frequently asked questions about our products and services.


Mobile Banking


Q: Is there a fee for using the mobile website, text/SMS banking, or the mobile app?
A: 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.

Q: What can I do through Mobile Banking?

A: 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
  • Manage alerts - create and view custom alerts with email or text notifications
  • Locations- easily find SECU branches and surcharge-free ATMs near you

Q: What differences are there between the mobile website, text/SMS banking, and the mobile app?
A: Our Mobile Banking capabilities are robust for all three channels. Which one you use depends on your preference and your mobile device.

  Text Banking  Mobile Website  Mobile App with Mobile Deposit 
 Free*  Yes  Yes Yes 
 Secure  Yes  Yes  Yes
 View Balances  Yes  Yes  Yes
 Transfer Funds between Accounts   Yes  Yes  Yes
 View 90 Days of Account History  Yes  Yes  Yes
 Bill Pay to Persons or Businesses   Yes  Yes  Yes
 Locate SECU branches and

free ATMs
 Yes  Yes  Yes
 Receive Text Alerts  Yes  Yes  Yes
 Receive Email Alerts    Yes  Yes
 Receive Push Alerts      Yes
Mobile Deposit      Yes

Q: What is needed to use Mobile Banking?

A: You will need to be registered for Online Banking. Besides that, the requirements are very simple:

Text Banking: any mobile phone that allows text messages
Mobile Website: any internet-enabled phone and browser
Mobile App with Mobile Deposit: an Android or iOS device

Q: How do I get started?

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

Text Banking:
1. Go to Online Banking and register your phone using the Mobile Banking link
2. You will receive a text from SECU1 (73281) with a verification code
3. Enter this code on the SECU website where prompted

Mobile Website:
1. Go to secumd.org using a mobile device’s web browser
2. Enter your Online Banking user ID and password
Mobile App:
1. Visit the iPhone's App Store or the Google Play Store to download the "SECU Mobile (Maryland) app
2. Enter your Online Banking user ID and password
3. Accept the terms and conditions


Q: What Account Alerts are available through Mobile Banking?

A: 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

You may also schedule “quiet time” when you put your alerts on hold (such as overnight or during a movie, etc.) or suspend them for a period of time.


Q: Is Mobile Banking secure?
A: 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.

Q: Can I access Mobile Banking from more than one mobile device?
A: Yes. You can login to our mobile website from any mobile device with internet capabilities.

Q: Can I use one mobile device for accounts with different registrations (e.g. I have both business and personal accounts or both personal and custodial accounts)?

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

However, for the mobile app and text banking, you can tie only one account registration to each device. If you would like to use one mobile device to access accounts with different registrations, consider the following: Use text banking or the mobile app for the account you use most. Use the mobile web for all other accounts.

Please note: This applies only to accounts with different usernames such as a personal and custodial account or a personal and business account. For multiple accounts with the same usernames, you will be able to see them all with one mobile login the way you do currently in mobile or online banking.


Q: What are the text banking commands?
A: Please click here to see all of the text banking commands.

Q: How do I set up Mobile Banking Alerts?

A: To set up Alerts, log into Online Banking and select Mobile Banking link from the left navigation bar.

Once in the Mobile Banking area, select the “Alerts” tab. From there, you can create alerts, delivery methods, set up “quiet times”, and alert suspensions.

You can also setup alerts directly from SECU’s Mobile Banking application for iOS and Android platforms.


Q: I have a prepaid phone plan, can I use Mobile Banking?
A: Yes, as long as you are able to use text messaging or a mobile browser you can use this service.


Q: Which SECU accounts can I access through Mobile Banking?
A: All accounts that you can access through Online Banking can be accessed through Mobile Banking. If you prefer, you can choose to exclude accounts from Mobile Banking access through Online Banking.

Q: I recently opened new accounts that are not showing up on Mobile Banking. How can I get them to appear? What if I don't want to see certain accounts when on Mobile Banking?
A: You can make new accounts viewable through Online Banking. Simply go to secumd.org via your computer and select Mobile Banking on the left navigation. Select the "Accounts" tab, and you can enable or disable whether each account is viewable in Mobile Banking.

Q: Is there a time out for Mobile Banking?
A: Yes, there is a five-minute time out for our Mobile Banking.

Q: Am I able to pay off my SECU loan through Mobile Banking?
A: Paying off your SECU loan can be completed via Online Banking or by calling 1-800-879-7328, but a loan pay off cannot be completed via Mobile Banking at this time.

Q: How do I set up nicknames for my accounts in Mobile Banking?
A: You may edit account nicknames through Online Banking on secumd.org and then going to Mobile Banking. Select the "Accounts" tab and enter your chosen nicknames in the boxes provided.

Q: How do I know if my mobile phone supports text messaging?

A: The majority of mobile phones sold in the US support text messaging so chances are your phone is capable of sending and receiving messages. To learn more about whether or not your mobile phone can send or receive text messages, please contact your mobile service provider.

*SECU does not charge a fee for Mobile Banking, however many mobile phone carriers may charge for wireless web access, for text messages received, or for the volume of data exchanged.



Mobile Deposit

Q: What is Mobile Deposit?
A: 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.

Q: Who is eligible for Mobile Deposit?
A: 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 activated Online Banking.

Mobile Deposit is not available for business accounts. For their needs, SECU offers a business specific Remote Deposit Capture service with more of the features our business members require.

To check if your account is eligible for Mobile Deposit, log into Online Banking. If you have a green button titled “My Deposit” in the left navigation bar, you are eligible. If you do not have this button, you are not eligible at this time.


Q: What devices can use Mobile Deposit?
A: We currently offer Mobile Deposit for Android phones with an OS of 2.1 and higher and iOS devices with an auto-focused 3.2 megapixel or higher camera.

Q: I cannot find the decimal point key while entering the dollar amount in the Amount field on my Android phone.
A: We are aware of this issue and are working on a fix for it. Please follow the instructions in this document for an alternative.

Q: Is Mobile Deposit secure?
A: 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.

Q: What SECU accounts can receive a Mobile Deposit?
A: You may deposit checks into any of your SECU personal Checking, Savings, or Money Market accounts.

Q: How do I perform a Mobile Deposit with SECU?

A: Follow the steps below:

  • Sign up for Online Banking.
  • Visit the Apple App store or the Google Play Store to download the appropriate "SECU Mobile (Maryland)" app.
  • Launch the app and click on the icon for “Deposit Check” and follow the given instructions.
.

Q: What types of checks may I deposit through Mobile Deposit?
A: SECU’s Mobile Deposit allows you to deposit only single-party, domestic checks payable to a person. Checks payable to a business or estate, 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.

Q: When will my deposit be credited to my account?

A: 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.


Q: What fees are charged to use Mobile Deposit?

A: SECU’s Mobile Deposit service is free for members.

Please note there may be a fee for checks deposited that are later returned.


Q: What should I do with the check once it has been scanned?
A: Store your check(s) in a safe place for 90 days to ensure both SECU and the issuing institution honor the check. Then destroy the check by shredding or another commercially acceptable means of data destruction.

Q: How do I know that my check was submitted for deposit? What proof do I have that my check has been deposited?
A: 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 the confirmation be sent to you via text message.

Q: Why does the app tell me I am not eligible for Mobile Deposit?

A: To qualify for 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 activated Online Banking.

To check if your account is eligible for Mobile Deposit, log into Online Banking. If you have a green button titled “My Deposit” in the left navigation bar, you are eligible. If you do not have this button, you are not eligible at this time.


Q: May I deposit more than one check at a time?
A: Yes. Simply click the “done” button when you receive your deposit confirmation number, and then select “deposit check” to deposit another check.

Q: What do I do if my check is rejected in Mobile Deposit?

A: 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 imaging ATMs or branches for deposit.



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