Our goal is to provide you with exceptional member service



Have you moved? 

Simply log into your account Via Online Banking and submit your change by navigating to Messages under the Options tab.  If you’re a first-time online user, please call our office for assistance with your initial login. 

**Please note, this change will only impact your account with SMW 104 Federal Credit Union.



                                                     Changes to Transactions at 7-Eleven Locations


CO-OP ATM deposit functionality will no longer be available at 7-Eleven effective December 31, 2016. In addition,  the Shared Branch network has made a decision to discontinue Shared Branching access at 7-Eleven stores and rely on the CO-OP ATM brand.  The decision to suspend these locations allows CO-OP Shared Branching to better align the technologies incorporated with the CO-OP Shared Branch Express brand.  The CO-OP Shared Branch Express brand was unveiled as a label for Shared Branch locations where self-service is the primary service delivery method.  Some of the credit union’s that are classified as Shared Branch Express are Patelco Credit Union and San Mateo Credit Union.  To lessen the impact of these changes, SMW 104 Federal Credit Union offers several alternatives: 


If you prefer to transact with a teller, you can locate the nearest Shared Branch outlet by visiting                               www.co-opsharedbranch.com.  Just remember to exclude Shared Branch outlets that are identified as “self-service”.  You can also call SMW 104 Federal Credit Union for a list of convenient locations near you. 


Direct Deposit:  Simply provide our routing number and your account number to your payroll department to have your payroll check automatically deposited to your SMW 104 Federal Credit Union account. 


Mobile Deposit:  Register for Mobile Deposit by logging into your SMW 104 Federal Credit Union account via Online Banking and selecting Mobile Deposit under the Accounts tab.  Once you have downloaded our Mobile Deposit App, simply take a picture of your check and submit your deposit.  Deposits are credited to your account the same day if submitted before 6:30 PM (Monday – Friday, excluding credit union holidays and early closure days). 


Mobile Banking:  Download our Mobile Banking App to view balances and history, make transfers and manage bill payments.  (You must be registered with Online Banking in order to use this App.  Please call us for assistance with your initial registration). 


Additionally, you can request a check be mailed to your home address on file by calling us during our normal business hours, by logging into your account online, or by calling SMARTLINE (Sheet Metal Audio Response Teller).  Requests made by 5:00 PM will be mailed the same day. 




Vacation Pay Posting Dates for 2017

January 9, 2017
February 7, 2017
March 7, 2017
April 7, 2017
 May 5, 2017
 June 7, 2017
July 10, 2017
August 7, 2017
September 8, 2017
October 6, 2017
November 7, 2017
 December 7, 2017