As a reminder, our office will be closing at 1:30 PM July 3, 2013. For your convenience, you can visit a CU Service Center to make a deposit, payment or obtain cash from your account. Click here to find a location near you.
Make a payment on your SMW 104 Federal Credit Union account.
We accept Visa, Mastercard, American Express, Discover or eCheck from another financial institution.
Click here to get started
SMW 104 Federal Credit Union and smsGuardian™
In today’s world, a mobile device is sometimes the quickest way of contacting you so that’s why we have added another feature to protect your Visa Credit and Visa Debit Card against unauthorized activity with smsGuardian™. This feature adds another layer of security by identifying suspicious activity within minutes of a transaction, which can reduce the chance that subsequent unauthorized transactions will occur and will coincide with our existing 24/7-365 fraud monitoring system. As card usage rise, so too does fraud.
You can enroll up to ten devices by clicking here
Your mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special phone numbers, often five digits in length, which are used to send text messages from mobile device.
Third-party fees may apply for text messaging and data. Please contact your mobile device carrier for more information.
Enrollment is good for a period of one year and you will be notified via text message prior to the expiration of your smsGuardian™ account at which time you can reply the word RENEW.
Changing your mobile service provider will require you to re-enroll your mobile device in the smsGuardian™ program.
If you receive a text message and the transaction is legitimate, you do not need to reply. If the transaction is fraudulent, simply reply using the alpha-numeric code contained in the text message. Your card will be immediately blocked from further activity. You may cancel your enrollment at any time by simply texting the word STOP, which will cancel all enrollments for all associated cards for that mobile device.
Important Reminder to Keep Your Personal and Financial Information Safe
SMW 104 Federal Credit Union would like to remind our members that we DO NOT solicit personal or financial information, so NEVER respond to emails, text messages or phone calls requesting this information.
Fraudsters will use events such as large-scale breaches, which are sometimes exposed via the various media channels in an attempt to potentially obtain your personal or financial information. With that being said, keep your information safe by never opening an email or text message from an unknown sender and never open any links provided in unsolicited emails. The fraudsters can make links look like they go to one place, but actually send you to a different site.
Review your credit card and account statements as soon as you receive them to ensure all transactions were authorized by you. You may obtain a free copy of your credit report from Equifax, Experian & TransUnion each year if you ask for it. Visit www.AnnualCreditReport.com or call 877-322-8228.
Don’t be a victim – click here for helpful information about identity theft from the Federal Trade Commision.
SMW 104 Federal Credit Union would like to inform you of the following:
» Once you click on a link, you will be leaving the credit union's web site;
» You will be linking to an alternate web site not operated by the credit union;
» The credit union is not responsible for the content of the alternate web site;
» The credit union does not represent either the third party or you if you two enter into a transaction; and
» Privacy and security policies may differ from those practices by the credit union.
This links on this page have been provided for your information and convenience.