Online Banking

Banking by Text Command

Online Bill Pay

Online & Mobile Check Deposit

Mobile Banking

Mobile Payments


Online Banking

How do I get started with online banking?

All you need to get started with online banking is an active SACU account with a valid email address. Have your account number ready and enroll online today.

Why is online banking asking me to answer a security question?

To enhance the online security of your accounts we have established a multi-factor authentication feature for SACU online banking. In addition to providing your account number and password, you will now occasionally be asked to answer a security question before you can access your account.
After you log on to online banking, you will be greeted with a security page that will prompt you to select and provide answers to at least four security questions. The information you enter will be stored for later use in helping to confirm your identity. You need to provide the answers to the questions to all persons you have authorized to use the account.
If you or an authorized user are unable to answer the security questions when they are asked, the system will lock you out and you will need call the SACU Member Service Center and request to have your account unlocked.

Can I change my security questions or opt out of this step altogether?

For your account security, the multi-factor authentication feature is required. If you do not recall setting up security questions or remember the answers, you can go to online banking, click the Email Me a Temporary Password  link and follow the prompts to change the questions and answers.

How many chances do I get to answer the security question?

You have two chances to provide a correct answer or one chance to click the Skip button. If you fail to answer correctly after two attempts or click the Skip button twice, your account will be restricted from online access until you call the SACU Member Service Center and request to have your account unlocked.

What happens if I get locked out of online banking?

If you have been locked out of your account due to too many failed password attempts, go to online banking, click the Email Me a Temporary Password link and follow the prompts to reset your password.

If you have been locked out of your account due to failed security questions call the SACU Member Service Center and request to have your account unlocked.

If I’ve had my account unlocked or my password reset, will be my online banking settings be erased?

No. Your settings, such as scheduled or pending bill payments and transfers, will not be affected by having your online banking account unlocked or password reset. All your settings will remain the same.

Banking by Text Command

What is GoText?

Get balances, recent transactions, transfer money and more – all via text messages. Enable this feature within online banking by selecting GoText from the menu and then Add Device.

How do I start using GoText?

To enable GoText, first log in to online banking and follow these steps:

1. Select GoText from the menu, then select "Add Device"
2. Enter your 10-digit phone number then check the box to accept Terms and Conditions
3. Enter the Activation Code that is sent by text to your mobile device
4. Text SACU BAL to 90703 to complete the registration of this device

Once you receive the confirmation text, you may text commands to 90703. Note that data and messaging rates may be charged for text messages by your mobile carrier. Check with your carrier for details on specific fees and charges and capabilities. T-Mobile does not allow transfers through text messaging.

Can I register more than one mobile device with GoText?

You can indicate multiple mobile devices that you authorize to use GoText commands. You can even enable or disable commands individually for each registered mobile device, so that each authorized user of your account has their own, customized “access profile.”

What are the GoText Commands?

You can get the list of GoText commands on your registered mobile device by texting “HELP” to 90703 at any time. Here is a quick list of GoText commands for your reference:

  • BAL — Receive the balance for a specified share or loan account
  • CONTACT — Receive the toll-free phone number for SACU
  • HELP — Receive a listing of available GoText commands
  • HIST — Receive the last five transactions for a specified share or loan account
  • HOURS — Receive branch hours
  • NEXT — Receive the next five transactions from history (after an initial HIST command request)
  • PENDING —  Receive pending transactions
  • START — Enables GoText SMS message delivery to the device
  • STOP — Disables GoText SMS message delivery to the device (it will remain "registered" with GoText)
  • TRAN — Transfers funds between a member's sub-accounts

Online Bill Pay

What is online bill pay?

Pay your bills conveniently from one secure place. You decide whom, when, and how often to pay. Schedule one-time or recurring payments from your SACU checking or money market account. Once you enroll in Bill Pay within online banking, you can also pay bills directly from our mobile app.

Is receiving and paying bills online hard to do?

Not at all. Log in to SACU online banking. Select the payee, amount, and withdrawal date you need. If you want a hard copy, print a record for your files.

If I use online bill pay, do I give up control of when payments are made?

Absolutely not. You will always be in control of your bank account. You decide whom, when and how often to pay. You may easily cancel or change a payment, as long as it is done before the processing date.

How can I keep track of the bills I pay online?

Online bill pay automatically creates a record of your payments that you can access at any time via SACU online banking.

Who can I pay online, and what if they do not accept electronic payments?

You can use online bill pay to pay anyone you pay with a paper check. If you need to send payment to a company that is not set up to receive electronic payments, our system will print and mail a check for you.

How long does it take for my payment to get to the billing company?

At most, five to seven business days.

Is online bill pay safe?

Absolutely. SACU Online is secured with a multi-factor authentication feature.

How much does it cost to pay bills online?

This service is free for SACU members.

Online & Mobile Check Deposit

What is GoDeposit?

GoDeposit from SACU allows you to conveniently deposit checks using online banking and mobile banking.

How do I qualify for GoDeposit?

Qualifying members are those with accounts that have been open for at least 30 days, have no loan delinquencies greater than 31 days, and have no unpaid consumer loan or share charge-offs. See our remote deposit capture disclosure and agreement for complete terms and conditions.

How do I deposit checks using my computer?

Log into SACU online banking and select the GoDeposit feature. Deposit check(s) by following the prompts to scan and upload check images.

How do I deposit checks using my mobile phone or tablet?

Log into GO, the SACU mobile banking app, and select the GoDeposit feature. Deposit a check by following the prompts to snap pictures of the front and back.

What types of checks can I deposit using GoDeposit?

Business, personal and government checks issued from financial institutions in the United States can be remotely deposited.

What is the maximum amount I can deposit using GoDeposit?

Daily deposit limits range from $3,000 to $10,000 per day with a $25,000 monthly limit.

When will my deposit be available?

Funds deposited using GoDeposit are available no later than the next business day, unless a hold is applied.

Why was all or part of my deposit placed on hold?

Holds on deposits made using GoDeposit are determined based on your relationship with SACU. If you are a new user, your first two deposits will be held for review.

Mobile Banking

What do I do if I get locked out and need to reset my password?

If you have been locked out of your account due to too many failed password attempts, go to online banking, click the Email Me a Temporary Password link and follow the prompts to reset your password.

What does SACU’s mobile app do, and how much does it cost?

You can view your accounts, transaction history and check images. You can also deposit checks, pay bills online, transfer funds between your different authorized member accounts and find a nearby ATM or Branch. The app is free to SACU members.

How do I get the SACU GO mobile banking app?

Get the SACU GO mobile banking app by downloading GO for iOS or GO for Android. Please ensure your account is enrolled in online banking prior to downloading the app.

How do I log into SACU's mobile app?

Please ensure your account is enrolled in online banking first. Then download GO, the SACU mobile banking app for iPhone/iPad or Android devices and log in using your online banking user ID and password.

What do I do if I forgot my online banking password?

If you have forgot your online banking password request a temporary password and follow the instructions to reset your password.

Is the SACU mobile app secure?

Yes. SACU uses SSL encryption to communicate securely with all services. SACU always uses state-of-the-art security measures to protect member data, no matter how you choose to access your accounts.

Why does my session expire?

For security reasons, your GO mobile app session is automatically logged off after 30 minutes whether active or inactive.

Mobile Payments

What is SendMoney?

The SACU GO app includes a person-to-person payment feature powered by PayPal. The SendMoney feature allows you to pay others without sending sensitive financial information. Just use your recipient’s cell phone number or email address to send payment from your smartphone.

Is SendMoney secure?

Yes. Every payment is confirmed by a security code that can be received by phone call, email or text message, so there's no need to worry if you lose your phone.

Does the member or payment recipient need a PayPal® account?

SendMoney from SACU allows members to send money without having to enroll in a PayPal® account. The recipient, however, will need a PayPal® account to claim the funds. Signing up for one takes only a few minutes.

Is there a limit to how much I can send with SendMoney?

Yes. Members may send up to $500 per day in as many transactions as they want. The minimum transaction amount is $1.00.

Can exceptions be made to the daily limit, and does it reset on weekends?

At this time we do not make exceptions to the $500 limit. The limit does reset every day of the week, including Saturday and Sunday.

Can I use SendMoney from my Money Market Savings account?

Money Market Savings accounts are considered draft accounts and will be eligible for SendMoney transactions. However, our disclosures state that more than 3 withdrawals from a Money Market Account in a statement period can result in a fee and/or a lower interest rate. Money Market account terms include a $7 monthly service charge if the balance falls below the minimum of $1,000.

How much does it cost to use SendMoney?

SendMoney is free to all SACU members using the GO mobile app. Members should check with their mobile phone provider as other charges may apply. PayPal® does not charge a fee if the funds remain in a PayPal® account or the corresponding bank account. However, if the recipient transfers the money to a debit/credit card or outside the United States, other fees will apply. Please see PayPal® for further fee information.

How soon are my funds withdrawn, and how long until my recipient gets them?

Funds are withdrawn from the member's SACU account immediately. If the recipient has an existing PayPal® account, the funds are available to their account immediately. If the recipient doesn’t have a PayPal® account, the funds will be available as soon as they open one, which takes only a few minutes to set up. The recipient then can spend the funds online or transfer them to a bank account. Transfers from a PayPal® account to a bank account may take up to three business days to process.

How is the recipient notified, and what if they don’t claim the funds?

Yes. The recipient will receive an email or text message from PayPal® informing them that they’ve been sent money. If the recipient doesn't claim funds within 30 days, the transaction will be automatically cancelled and the funds will be returned to the SACU member’s account.

Can I use SendMoney to send a payment outside the United States?

Yes. Additional fees from PayPal® may apply if a member is sending money to a country outside the United States. Any such fees will be based on the country of the recipient. Please see PayPal® for further fee information, or refer to the PayPal® user agreement.

Can SendMoney transactions be cancelled or disputed?

If the recipient has already claimed the funds, no. To find out if the funds have been claimed, SACU members can go to “history” in the GO mobile app and locate the transaction. If the status reads “Pending,” they may select and cancel the transaction. If funds have already been claimed, members can dispute the SendMoney transaction just as they would an ATM/Debit Card transaction by completing an Affidavit of Unauthorized Use.

Is SendMoney available via online banking?

No. SendMoney is currently available through the GO mobile app, only.