SDCCU Mobile Banking

• Open the app and click Update Now.
• If you see a white App Store screen, push the Updates icon in the lower right corner.
• If you are not prompted to Update Now, visit the App Store and click the Updates icon.

Some smartphones may display a URL error when launching the app for the first time. To correct this, simply close the app to return to your home screen and re-launch the app. This will resolve the error.

iPhone and Android users can download an app directly from the App Store^SM or Google Play™. 

Step 1: Create a username and password for Internet Branch.
Step 2: Register your mobile phone number through our mobile app or the Internet Branch mobile banking page. During registration, you can select a texting nickname for each of your accounts.
Step 3: After registration, text the commands listed below to SDCCU (73228) and you will receive a response text with the information requested.
 
B/Bal = Balance
H = Transaction History
M = Move to next 5 transaction History
T = Transfer
M = Nicknames
Help = Text banking help
Stop = Cancel 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.

To access SDCCU’s mobile banking, use your current Internet Branch online banking credentials.

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 Username and Password
• Multi-factor secure authentication
• Biometrics are used for enhanced security

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 and deposit checks.

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 the mobile app or Internet Branch.

You can access any account that you have enrolled in Internet Branch online banking. You may set-up cross account transfers at any of our convenient branch locations.

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.

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.

Account information available on Internet Branch online banking is available on the SDCCU mobile banking app including statements, pending transactions, balances and more.

Yes. You can view and pay bills through mobile banking after you are enrolled in Bill Payer Plus. You can enroll either through Internet Branch online banking or the SDCCU mobile banking app. You cannot pay bills through SMS text banking.

Yes, transfers occur immediately. Transfers cannot be made via SMS text banking.

SDCCU Mobile Deposit is part of mobile banking that provides additional convenience to Internet Branch online banking users. You can deposit checks remotely from your mobile phone or device.

There is no additional enrollment required to use SDCCU Mobile Deposit within the mobile banking app. 

Yes, SDCCU Mobile Deposit is safe. Access to the application on your mobile phone requires your Username and Password.

SDCCU does not charge any fees for using SDCCU Mobile Deposit. Message and data rates may apply. Contact your wireless carrier for details.

To be eligible for SDCCU Mobile Deposit, you must meet the following requirements:

• You must have a valid SDCCU account in good standing
• You must be enrolled in Internet Branch online banking
• You must have a compatible device with Internet access and a camera

SDCCU Mobile Deposit is specifically formatted for iPhone and Android devices.

The system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to bring your check to a SDCCU branch or ATM for deposit.

Mobile deposits to your SDCCU account are made in real time. Our standard check holds may apply. Please see the SDCCU Mobile Deposit Terms and Conditions Funds Availability section, available in Internet Branch Self Service, for details. 

Checks deposited through SDCCU Mobile Deposit are generally posted to your SDCCU account immediately. Our standard check holds may apply. Please see the Account Disclosures And Agreement disclosure or Mobile Deposit Terms and Conditions Funds Availability section, available in Internet Branch Self Service, for details.

You can deposit up to $5,000 per day through SDCCU Mobile Deposit.

If you forgot your password, reset your password here. For a step-by-step tutorial, view the video below:

 

There are a few ways you can obtain your account number.

First, your account number is on your SDCCU checks. Your account number will be the bottom middle number, without the last 2 digits. For example, if the number on your checks is 000123456790, your account number is 0001234567. See graphic below.

Second, come into your local SDCCU branch and ask one of our staff to assist you.

Third, call us at (877) 732-2848.

Open your device's app store and search SDCCU. You will see the app which features a blue and teal tile and a white sailboat on a teal circle and is titled "SDCCU."

Visit sdccu.com/forgot to recover your username or reset your password.

We’ve enhanced the security of our Internet Branch accounts by requiring all users to enroll separately.

We provide Internet Branch online and mobile banking to our members at no charge. Message and data rates may apply.

Our enhanced authentication service helps to ensure your identity and information is protected. We will send you a one-time passcode via a text or phone call with a passcode that you need to enter. You will see this at
login and when performing select transactions within online banking.

Yes, you can enroll in text banking in online banking. To enroll in text banking, add your mobile phone number to Internet Branch.

If you have multiple SDCCU accounts with separate account numbers, you will need to enroll those additional accounts in email alerts and/or MMS text alerts. To set up MMS text alerts, you will need to input your cell phone number followed by your carrier’s gateway address under Phone Number when you enroll for text banking.

For example, if your phone number is (123) 456-7890 and your carrier is AT&T, you will input the following: 1234567890@mms.att.net.

• Below is a list of gateway addresses for major US carriers:
  • Alltel: mobile-number@mms.alltelwireless.com
  • AT&T: mobile-number@mms.att.net
  • Boost Mobile: mobile-number@myboostmobile.com
  • Cricket: mobile-number@mms.mycricket.com
  • Metro PCS: mobile-number@mymetropcs.com
  • Project Fi: mobile-number@msg.fi.google.com
  • Republic Wireless: mobile-number@text.republicwireless.com
  • Sprint: mobile-number@pm.sprint.com
  • Straight Talk: mobile-number@mypixmessages.com
  • Ting: mobile-number@message.ting.com
  • T-Mobile: mobile-number@tmomail.com
  • U.S. Cellular: mobile-number@mms.uscc.net
  • Verizon: mobile-number@vzwpix.com
  • Virgin Mobile: mobile-number@vmpix.com

Message and data rates may apply.

After you successfully use mobile deposit, write “Deposited” and the date on the check. Keep it for 2 business days or until it has posted to your account. Afterwards, you can destroy it.