Services FAQs

Select a question to see the answer.

Refer to our Rates Page for information on our current deposit and loan rates.

Review our Fee Schedule for information on ATM, service, and account fees.

You can call Member Services at 1-800-879-738 and a representative can assist you with your transfer.

No, the discontinuation of this option is for all SECU members and exceptions cannot be granted as the option is fully being removed and cannot be used.

SECU discontinued phone transfers to an account where you are not an owner on 8/31/2023 to help prevent the rising threat of fraud. You can still perform these transfers using online and mobile banking, which has additional security protocols in place to protect the online transaction.

There are several ways you can transfer funds to another SECU member’s account or loan.

  1. The first option is through Online Banking. Log into online banking using our mobile app or website at and Click “Transfers/Pay a Loan” from the Transfers & Payments dropdown. Click “Send money to another SECU member” from the add account tab. You will be asked to verify the recipient’s last name and account number, then confirm your identity to set up the linked account to transfer to. An email will be sent to you and the recipient once the transfer is complete. If you make regular transfers to the same account holder, you can set the transfer to be reoccurring based on your preferred frequency.
  2. The second option is to visit a Financial Center. You can visit any of our 24 Financial Centers across Maryland to complete a transfer with one of our tellers.

Your employer is responsible for establishing a direct deposit on your behalf. You will typically fill out a basic form requesting the following information and they’ll do the rest.

  • SECU routing number (255076753)
  • Your checking account number
  • The address of your financial institution:
    • SECU, Mail Operations
      P.O. Box 2172, Glen Burnie, MD 21060

Review our Funds Availability Policy for information on when your deposits will be available.

Your direct deposit will post by 9 am.

If you write a check and do not have enough money in your account by the time the check clears, the check will be returned to the payee (i.e. “bounce”). SECU assesses a Non-Sufficient Funds (NSF) fee in these instances.

There is a $10 returned deposit item fee. See our Fee Schedule for more details.

Contact the person or company that wrote the check to alert them of the issue. Typically, a check bounces when the funding checking account does not contain sufficient funds to cover the check.

There is a $10 returned deposit item fee. See our Fee Schedule for more details.

Yes, you can deposit funds at deposit-enabled ATMs! Deposits can be made in either cash or by check.

Click here to find an ATM location near you and check off the Deposit-Taking ATMs box.

You can search all our locations from our ATM Locator.

The maximum daily withdrawal from an ATM is $1,000. For withdrawals surpassing the limit, please visit your local Financial Center.

There are no SECU fees for ATM withdrawals.

Note: When using ATMs out of the SECU, CO-OP, or Allpoint networks, please remember that the financial institution providing the ATM may charge a fee (called a surcharge), and multiple fees may be charged if the customer executes multiple transactions, such as making a balance inquiry and then withdrawing money. Refer to our Fee Schedule for current fees.

If you are receiving this message, your card may be blocked, or you may need to reset your PIN.

Visit our Card Services page for further assistance.

If the ATM belongs to SECU, stop by a Financial Center to complete the necessary paperwork. If the ATM belongs to another financial institution, you must contact them to resolve the issue.

We use the CO-OP and AllPoint ATM networks.

Follow the steps below:

  1. Log in to Online Banking or Mobile Banking.
  2. Click the More widget
  3. Select the Wire Transfers option
  4. Click the New Wire Transfer button
  5. Choose the Domestic or International tile
  6. Fill in the Recipient fields
  7. Click Next
  8. Enter the Amount
  9. Select the Funding Account
  10. Click Next
  11. Review the information to ensure the details are correct
  12. Read the disclosure
  13. Click Accept and submit

Visit our Wire Transfers page to learn more or schedule an appointment.

The daily wire transfer cutoff time is 3 pm Eastern Time.

Visit our Wire Transfers page to learn more or schedule an appointment.

SECU does not have a SWIFT code. We use our routing number, 255076753, which identifies financial institutions in electronic transactions (i.e., bill payments, wire transfers, direct deposit).

We do offer international wires. Visit our Wire Transfers page to learn more or schedule an appointment.

Domestic – Incoming $0, Outgoing $20
International – Outgoing $40

Our current wire transfer fees are listed on our Fee Schedule

Visit our Wire Transfers page to learn more or schedule an appointment.

To send an international wire, the following information is necessary.

  • Beneficiary name and full address
  • Account number/IBAN
  • Beneficiary bank name and full address
  • Swift Code / BIC

Visit our Wire Transfers page to learn more or schedule an appointment.

An International Bank Account Number (IBAN) identifies bank accounts*. These numbers vary by country/institution to be used when making or receiving international payments. 

Only the institution servicing an account can provide the correct IBAN of that account. It must be obtained from the beneficiary of the wire.

*The IBAN does not replace your account number.

$30 per overdraft item.

Refer to our Fee Schedule for more details.

$2 per check. Please refer to our Fee Schedule for more details.

Yes, $2 per item.

Refer to our Fee Schedule for more details.

$20 each. Please refer to our Fee Schedule for more details.

Request a stop payment under Checking Services in Online Banking.

Yes! Mail a check for deposit to the following address:

  • SECU, Mail Operations
    P.O. Box 2172
    Glen Burnie, MD 21060

Note: Please do not mail checks to a Financial Center.

Yes! We offer Bank by Phone Automated Telephone Banking. Call 410-487-7930 or 888-643-9777 to get started.

Learn More About Bank by Phone.

We do not offer this service. However, anyone can visit to check their own credit score for free, once annually.

You can begin to receive your statements electronically when you sign up for eStatements. eStatements can be viewed and printed at any time through Online Banking.

SECU does not offer foreign currency exchange services at this time.

You may have received a call from our fraud prevention center due to suspicious activity on your card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchase(s).

Contact SECU Now or Schedule an Appointment.

Under the requirements of the Patriot Act, all credit unions must run an identity check on every new member. We use Customer Identification Programs (CIP) that compare your name, address, date of birth, and other information to the records on your credit report. This has no effect on your credit score.

If you notice an error on your credit report while applying for a SECU loan, please contact SECU immediately to rectify the issue.

Visit to receive a free copy of your credit score.

We send out tax forms annually at the beginning of February. You will receive your tax forms by mail.

If you are signed up for eStatements, you will also be able to access them in Online Banking under eStatements/Notices.

The easiest way to change your personal information is to update your profile in Online or Mobile Banking. 

  1. Log in to Online or Mobile Banking
  2. Navigate to Settings
  3. Click on the Contact tab from here you can change your information

If you would rather update your information by mail, send your new details with a signature to:

  • SECU, Mail Operations
    P.O. Box 2172
    Glen Burnie, MD 21060

To meet with us personally, stop by a Financial Center with a photo ID for identification (driver’s license, passport, etc).

Yes. All of our Financial Centers are staffed with notaries and can assist with your notary needs.

Schedule an Appointment.