You can do almost all your personal banking online:

• View account balances
• Transfer funds – Transfers initiated after 8:30 pm ET Monday – Friday or after 4:30 pm ET on holidays and weekends will be posted the next business day.
• Pay bills to persons or businesses online through Bill Pay
• Loan or line of credit payments
• SECU line of credit or Visa Credit Card cash advances
• View online check images
• Apply for loans
• Order checks
• View Online Statements
• View and pay your SECU Visa Credit Cards
• Open new accounts
• Deposit a check through My Deposit
• Domestic and international wire transfers
• Transfer balances to or receive cash advances from your Visa Credit Card
• Download to Quicken, and Microsoft Money

Online Banking is a free service for anyone who has an account with SECU.

There are several ways to contact us:

• Call SECU’s Contact Center during business hours, Monday – Friday, 8 am to 7 pm or Saturday, 9 am to 1 pm at 410-487-7328 or 800-879-7328.
• You can also send us an email through the message center by clicking on your name and then messages in the upper right of your screen once you’ve logged in.

Log in to Online or Mobile Banking and click on the “Accounts” widget to check your account balance.

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

Follow the steps below:

1. Log in to Online Banking
2. Click the “Transfers” widget
3. Choose the account you would like to transfer your money From
4. Designate the amount of the transfer
5. Choose the account you would like to transfer money To
6. Click “Submit Transfer”

Yes! Business Online Banking is available for business accounts.

Follow the steps below: 

1. Click “Log In” on our homepage
2. Click “Forgot password?”
3. Enter your Username, Date of Birth, Last Name and Social Security Number
4. Click “Continue” and follow the prompts to complete the reset process

You can edit a scheduled transfer from the scheduled transfers tab.

1. Click the transfer widget on the left.
2. Click the scheduled tab
3. From the scheduled tab, click the pencil icon next to any scheduled transfer. That transfer will open up. Simply edit the provided information, and then click save to update the transfer. Please note, you cannot edit the from account, or the frequency. Delete the transfer completely and create a new transfer if that field must be edited.

There are many possible reasons your login attempts have not been successful. Typically, you can access your account with the password reset steps below:

1. Click “Log In” on our homepage
2. Click “Forgot password?”
3. Enter your Username, Date of Birth, Last Name and Social Security Number
4. Click “Continue” and follow the prompts to complete the reset process

If you do not have the option to reset your password, your account may be locked. Call us at 800-879-7328 for assistance.

Follow the steps below:

1. Log in to Online Banking.
2. Click the “Transfers” widget from the left-hand navigation.
3. Navigate to the “Detailed” tab.
4. Select the account you want to transfer from.
5. Under the “To Account” field, click “Add an account to make a transfer”.
6. Select “Add an account manually”
7. Read and agree to the disclosure
8. Enter the account information, then press “Continue”.
9. Choose how you would like to receive a verification code
10. Click “Send code”
11. Enter the code and click “Verify”
12. We will send two (2) deposit transactions to this account. It may take up to three business days to appear in the transaction history.
    
13. Once you see the deposits in your external bank account, log in to SECU Online Banking and click “Settings”
14. Click on the “Accounts” tab to confirm the external account.
15. Your external account will be ready for transfer once your external account has been verified. Refer back to the “Transfers” widget to perform a transfer.
16. Your external account will appear in the “To Account” drop-down within the “Detailed” tab of the “Transfers” widget.

Members can apply for a payment deferment. Please visit one of our Financial Centers or make a virtual appointment.

Follow the steps below:

1. Navigate to the Online Banking login page.
2. Click “Forgot password?” or “Forgot username?”
3. Fill in the empty fields and follow the prompts

If you enter incorrect login information several times in quick succession, your account will be locked for security reasons. Once your account has been locked, you will need to contact a member service representative at 800-879-7328 or go through the reset password process here.

Follow the steps below:

1. Log in to Online Banking.
2. Click the “More” widget
3. Select the “Open an Account” icon
4. Choose which account type you would like to apply for
5. Follow the prompts to complete and submit the application

Yes! If you are enrolled in eStatements, your tax documents are posted to your Online Banking account. Tax forms will be sent out each year at the beginning of February.

If you have been locked out of Online Banking, you may have exhausted your login attempts.

To unlock your account, call us at 800-879-7328 or reset your password online. 

There are several reasons why you may be prompted to update your Online Banking password, including a routine update for security reasons, multiple incorrect login attempts, and more.

Follow the steps below:

1. Log in to Online Banking.
2. On the left-hand navigation, click “Check Services”
   1. If you are not seeing this widget, click the “More” option; the “Check Services” option will appear.
3. Under the “Stop Payment” tab, your history of requests will display. Click “New Stop Pay Request”.
4. Enter the information for your Stop Payment Request. Check the box next to “I Agree” then click “Submit Request”.

Visit our registration page and follow the prompts on the screen. It only takes a couple of minutes!

Yes. Follow the steps below:

1. Log in to Online Banking.
2. In the left-hand navigation, click “Transfers”
3. Navigate to the “Detailed” tab.
4. Select the account you want to transfer from.
5. Select the amount you would like to transfer.
6. Select the account you want to transfer to.
7. Select the frequency at which you would like the transfer to occur.
8. Choose how the recurring payment should end.
9. Click “Submit Transfer”.
10. You can view your scheduled transfers on the “Scheduled” tab.

If you are enrolled in eStatements, you will receive an email when your statement or notice is available. If you need a copy of a statement older than 3 years, visit us.

If you are not enrolled in eStatements, you will receive your statement in the mail at the address you provided when signing up with SECU.

Follow the steps below:

1. Access our login page or click “Log In” in the top right corner of any screen on our website
2. Enter your username and password
3. Click “Submit” or “Log In”
4. If you have not verified the device from which you are logging in, you may need to pass verification steps

To make a loan payment to a loan at another Financial Institution, you can use our Bill pay service:

1. Log in to online banking
2. Click on “Bill Pay”
3. Setup the other FI as a payee and schedule a payment

Yes! If you are enrolled in eStatements, you can print your statement from the “eStatement/Notices” page in Online Banking.

You can view up to 36 months of archived statements.

Yes! If you are enrolled in Online Banking, you can access your account information anytime online or on your mobile device.

We also offer an Automated Phone System to help you at any time.

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

To enroll in Online Banking, you will need the following information:

• Any Of Your SECU Account Numbers 
• Date Of Birth   
• Last Name 
• Social Security Number (SSN) 

You can get a copy of a cleared check through Online Banking. Once you log in, navigate to your checking account and click on the transaction in your transaction history. The check image will be displayed in the details. If you are unable to see the check online or you do not use Online Banking, please contact SECU.

Follow these steps:

1. Log in to Online Banking.
2. In the left-hand navigation, click the “More” widget.
3. Click the “eStatements/Notices” option.
4. Click the “Statements” tab.
5. You will see an archive of statements.
6. Click on the name of a statement to view it.
7. Your statement will display the same as the print version that would go out in the mail.

Many SECU accounts can be viewed within Online Banking. Currently, we do not display Business Credit cards via online banking.

Log in to Online Banking and click “Bill Pay” from the menu navigation.

To confirm that your transactions were successful, view your account history in Online Banking. Any pending transactions will be listed first, followed by the most recent successful transactions.

If you enter incorrect login information several times in quick succession, your account will be locked for security reasons.

If your account has been locked, click here to reset your password, contact a member service representative at 800-879-7328 or schedule an appointment for assistance.

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.

To log out of Online Banking, simply select the “Logout” option or close out of the browser.

If you do not log off, your Online Banking session will timeout automatically for your protection.

Follow the steps below:

1. Log in to Online Banking.
2. Select “Settings” from the username dropdown
3. Click on the “Account”tab
4. Click the pencil icon next to the account you would like to rename

Follow the steps below:

1. Log in to Online Banking.
2. Click the “Accounts” widget in the left-hand navigation.
3. Your accounts will be listed on the left-hand side of the screen, click the account you want to remove.
4. The account will display in the overview section, click the pencil icon next to the name of the account.
5. Click the checkbox next to “Hide This Account”.
6. Press Save.

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

You can delete a scheduled transfer from the scheduled transfers tab.

1. Click the transfer widget on the left.
2. Click the scheduled tab
3. From the scheduled tab, click the trash can icon next to any scheduled transfer. You will be prompted to confirm that you want to cancel the transfer.

Some restrictions do apply. Only accounts available for transfer will appear in your account drop down list.

Follow the steps below:

1. Log in to Online Banking.
2. Click on the “Bill Pay” widget.
3. Select the Payee you would like to pay.
   1. Click “Add Payee” if you have never paid this person or company before.
   2. Follow the prompts to establish the payee. The will appear in your payee’s list.
4. Choose the Account you would like to make the payment from.
5. Type in the Amount you are paying.
6. Select the Frequency at which you want the payment to be sent.
7. Under Deliver By, choose the date you would like your payment to arrive to the Payee.
8. Choose your payment type and leave an optional Memo.
9. Click “Submit Payment”.

No, scheduled transfers do not currently count toward the six allowed transactions per month.

Transfers scheduled for a date that does not occur in that particular month will process on the next available business day. For example: if a monthly transfer is scheduled for the 31st of every month, the transfer will occur on the first if that month does not have 31 days.

Follow the steps below:

1. Log in to Online Banking
2. Click or tap the Transfers option from the menu
3. To make a quick loan payment, choose the account you would like to pay in the From column
4. Select the Amount you would like to pay, or enter a custom amount
5. In the To column, select your loan account
   1. If you would like to make an automatic, recurring payment, click the Detailed tab
   2. Fill in the To, From, and Amount fields
   3. From here you will be able to select the Frequency and Ending of your recurring transfer
6. Review to make sure the details of the loan payment are correct
7. Click Submit Transfer

Our most popular retail deposit products can be opened online:

• All SECU Checking accounts
• SECU Share Savings accounts
• Money Market accounts
• CDs for: 3,6,9,18-month terms and the 1, 2, 3, 4, and 5-year terms

Other SECU retail deposit accounts and additional CD terms can be opened by U.S. mail (using the forms available on our forms page) or at a branch.

Existing members can fund new accounts by transferring funds from their existing accounts or debiting account with another financial institution via ACH.

New members can fund their new accounts by debiting an account with another financial institution via ACH.

It depends on the type of funding used:

• If the new account is funded via internal transfer from another SECU account, it will generally be opened and available immediately.
• If the account is funded via ACH from another institution, the account will be open immediately after funding and the funds will be deposited according to the ACH network guidelines.

The account at SECU will not be opened until you verify those two deposits. Please save the confirmation email generated when you open a new account online. It includes the verification procedures for accounts funded via ACH.

Yes, you must be 18 or older to establish membership/open accounts online.

Any of the following:

• Online Banking
• Order paper checks (checking and money market accounts)
• Request Visa Debit Card (checking accounts)
• Sign up for debit card overdraft coverage (checking accounts)

This can be done at any time by:

• Call SECU’s Contact Center during business hours, Monday – Friday, 8 am to 7 pm or Saturday, 9 am to 1 pm at 410-487-7328 or 800-879-7328.
• You can also send us an email through the message center by clicking on your name and then messages in the upper right of your screen once you’ve logged in.
• Or visiting a branch

Yes!

Follow the steps below:

1. Log in to Online Banking.
2. Click on the “eStatements/Notices” Widget.
3. Click on the “Subscribe” button.
4. Read the disclosure and follow the directions.
5. You can immediately view any existing statements and future statements will appear as they are generated.

To discontinue online statements, use the “Unsubscribe” button in Online Banking.

You can view up to 36 months of archived statements.

Online Bill Pay is a service that allows you to pay all your bills to businesses electronically (if the receiving business accepts them electronically) through Online Banking. No need to write checks or search for stamps. Your bills and records are in one secure location. You don’t need to remember multiple passwords, and you can see your current and past transactions in one spot. You can even have your monthly bills automatically paid through Bill Pay.

SECU’s Bill Pay is free for all members.

Follow the steps below:

1. Log in to Online Banking.
2. Navigate to the “Bill Pay” widget in the left-hand navigation.
3. Accept the terms and conditions.

Most bills are paid within two business days. If the payee is not one of the recognized providers on our system, and we mail a paper check, then it will take as long as the mail takes to deliver.

Common payees such as phone companies, power companies, credit card companies, and more are already loaded in the Bill Pay system. If the payee you are trying to pay is not already loaded to the system, you can manually add them.

You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis and only with your approval.

Bill Pay is highly secure and designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser.

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent and whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, then you can instruct us to make that payment automatically for you.

A confirmation number indicates that the bill has been processed and paid, and it appears on your statement.

Please contact the Bill Pay service directly by calling 410-487-7328 or 800-879-7328, option 2 > option 4 > option 2.

You can change the funding account by selecting a different SECU Checking account from the “Pay from” dropdown within the Bill Pay screen.

Multi Factor Authentication (MFA) is a service that adds an extra layer of protection to your online banking login. More info on what MFA is can be found on the web here.

There are several benefits the new MFA service will provide that increase security and add convenience throughout your online banking experience, such as:

With the new MFA service, there is no longer a need for Flash software in the “Log In” section. This means you will be able to log in from all of your devices such as iPads, mobile devices, and Mac computers.

MFA also allows you to access your accounts more quickly by offering a “remember this device” feature. When the box checked, you will not be presented with security questions upon Log In.

Note: if you have turned on “Mandatory Two Factor Authentication” from the security tab of your Settings, MFA will be presented every time you login regardless of remembered devices.

There is no special enrollment process or additional steps that you have to take. Just enjoy SECU Online Banking as you normally do!

Yes, you can still access your Online Banking accounts from any number of devices. If you are accessing your Online Banking from a new computer or browser, then you will be asked to have a code sent via email or text, whichever you have set up.

Follow the steps below:

1. Log in to Online Banking.
2. Click the “Transfers” widget in the left navigation and click “Detailed” in the top navigation.
3. Click “Add a Non-SECU Account”
4. Read the ACH Transfer Policy, click the “I Agree” checkbox, and press “Continue”
5. Provide the requested information about your external account. Next, click “Save”
6. Read how to confirm your external account. We ask you to complete a trial deposit verification to identify yourself as the account owner. We will send two small deposit transactions to your external account. These may take up to three business days to appear in your transaction history.
7. To finish adding your account once you’ve received the trial deposits, log in to Online Banking and click “Confirm” in the pending external account notification on your dashboard.
8. Locate your pending external account within your list of accounts. Click “Confirm”.
9. Enter the exact amounts of the two deposits made to your external account. Click “Confirm”.
10. You will receive a message verifying that your external account has been confirmed.

Transfer from:

• Any SECU checking, savings, or money market account
• Any Non-SECU checking, savings or money market account

Transfer to:

• Any SECU checking, savings, or money market account
• Any Non-SECU checking, savings or money market
• Any SECU loan or line of credit (excluding Credit cards)

Once you are logged into your online banking account, current limits can be found by clicking the ‘Limits’ link near the bottom of the Transfers page.

For incoming transactions to SECU accounts, it will take up to three business days to receive funds due to processing times. For outgoing transactions from SECU accounts, it will take one business day for you to receive your funds.

In the event that your transaction has been cancelled by SECU, you will receive a cancellation notification to your email on file. For all other notifications regarding your transaction with a non-SECU account, any alerts you have set up for transfers such as withdrawal thresholds, transfers completed, etc. will apply as well. If you have been blocked from transferring with your non-SECU account, you will be notified as well.