Mobile Banking FAQs

What is SDCCU’s mobile banking?
Which mobile banking link should I use?
How do I use SMS text banking?
Why do I only see 4 account balances through SMS text banking?
What is my login ID and Password?
Why am I getting an error message when logging in?
Is SDCCU’s mobile banking safe?
Is there a fee for SDCCU’s mobile banking?
What are the eligibility requirements for SDCCU’s mobile banking?
I can already access Internet Branch from my phone. Why do I need SDCCU’s mobile banking?
Can I access my account from more than one mobile phone?
Can I access multiple SDCCU accounts from my mobile phone?
Can I control which account suffixes display in mobile banking?
Can I change the display nickname on my accounts?
What information about my accounts shows up in SDCCU’s mobile banking?
Can I pay bills through Mobile Banking?
Do transfers made between accounts at SDCCU occur immediately?

• View account balances
• View transaction history
• Transfer money between your SDCCU® accounts (transfers cannot be completed through SMS text mobile banking)
• View and pay bills
• Locate SDCCU branches and ATMs

Which mobile banking link should I use?
iPhone® and Android™ users can download an app directly from the App Store or Android Marketplace. BlackBerry® and SMS text users must first register through the Internet Branch mobile banking page. If you navigate your smart phone by touching the screen, use our touch screen mobile banking at https://mb.sdccu.com/webkit. If you navigate your phone using traditional buttons, use SDCCU’s mobile banking at https://mb.sdccu.com/b. Make sure you are using https.

How do I use SMS text banking?
You must first regsiter your mobile phone number through the Internet Branch mobile banking page. During registration, you can select a texting nickname for each of your accounts. After that, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.

• BAL = account balance
• HIST texting nickname = account history
• ATM zip code = nearest ATM
• BRANCH zip code = nearest branch
• HELP = mobile banking help
• STOP = cancel SMS text banking

Why do I only see 4 account balances through SMS text banking?
Texting BAL will display the balances for your first 4 accounts. You can select which accounts display by logging into Internet Branch online banking, clicking Mobile Banking and then My Accounts. Deselect the accounts you do not wish to display. You will not be able to access cross-accounts through SMS texting.

What is my Login ID and Password?
To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.

Why am I getting an error message when logging in?
If you a receiving an error message that your security questions cannot be found, please log into Internet Branch online banking and update your security questions in Self Service. Once completed, you will be able to log into mobile banking.

Is SDCCU’s mobile banking safe?
Yes, SDCCU’s mobile banking is safe. The mobile banking application is protected in many ways, including:

• Access to the application on your mobile phone requires your Login ID and Password
• Account names are used and account numbers are masked

Is there a fee for SDCCU’s mobile banking?
SDCCU does not charge any fees for using mobile banking. Message and data rates may apply. Contact your wireless carrier for details. For bill pay, Bill Payer Plus™ is FREE with FREE checking with eStatements accounts and is FREE for other checking accounts when used to make three or more payments per calendar month. Otherwise, a $4.95 nominal monthly fee applies.

What are the eligibility requirements for SDCCU’s mobile banking?
SDCCU’s mobile banking enrollment takes place through your mobile phone or Internet Branch. To be eligible for mobile banking, you must meet the following requirements:

• You must have a valid SDCCU account
• You must be enrolled in Internet Branch online banking
• You must be able to access the Internet or use SMS texting from your mobile phone. Message and data rates may apply. Contact your wireless carrier for details

I can already access Internet Branch from my phone. Why do I need SDCCU’s mobile banking?
SDCCU’s mobile banking is specifically formatted for mobile phones. This provides faster browsing, easier navigation, clearer reading of content and the ability to pay bills.

Can I access my account from more than one mobile phone?
Yes, you can access your accounts from any mobile phone with Internet access. For SMS text banking, you must first register the phone number through Internet Branch.

Can I access multiple SDCCU accounts from my mobile phone?
You can access any account that you have enrolled in Internet Branch online banking. The apps only allow you to register one account number but you can use the mobile website, https://mb.sdccu.com/webkit, to access additional accounts. You may also set-up cross account transfers at any of our convenient branch locations.

Can I control which account suffixes display in mobile banking?
Yes. Just log into Internet Branch and click Mobile Banking and select My Accounts. Here you can select which accounts display and give them nicknames. These settings will remain across the mobile banking apps, web-based and SMS versions.

Can I change the display nickname on my accounts?
Yes, you can change the nicknames of your accounts in Internet Branch Self Service. The same names will be used in Internet Branch and mobile banking. SMS texting nicknames can be set-up through the Internet Branch mobile banking page.

What information about my accounts shows up in SDCCU’s mobile banking?
Only your account name (e.g. Jane’s checking), account suffix (last 2 digits), account balances and biller names display in mobile banking.

Can I pay bills through mobile banking?
Yes. You can view and pay bills through mobile banking after you are enrolled in Bill Payer Plus. You must enroll in and set-up payees through Internet Branch online banking before you can pay bills through mobile banking.You cannot pay bills through SMS text banking.

Do transfers made between accounts at SDCCU occur immediately?
Yes, transfers occur immediately. Transfers cannot be made via SMS text banking.