Our goal is to provide you with exceptional member service


As a reminder, our office will be closed Friday April 3, 2015 in observance of Good Friday.  Mobile Deposits after 6:30 PM Thursday April 2, 2015 will not credit your account until Monday April 6, 2015.  Alternative deposit methods are listed below.



Access to your account for deposits, withdrawals or payments can be made at our office in San Leandro or any of the affiliated CO-OP Shared Branch locations.     CO-OP ATM’s are also available for withdrawals using your SMW 104 Federal Credit Union issued ATM or Visa Debit Card.   Click here to find the nearest location and hours of operation. 



Update To Share Branching Locations


Beginning April 1, 2015 many Patelco Credit Union branches will be converting from full service Shared Branching outlets to self-service NextGen ATM’s with Shared Branching capabilities.  They will not convert them all at once, but will convert a few branches at a time.  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). 

We apologize for any inconvenience this may cause.  Please do not hesitate to call SMW 104 Federal Credit Union at 800-464-5987 with any questions or concerns, or sumit your comment via the “Contact Us” page of our website.  When doing so, please make sure to exclude sensitive data as email is not a secure method of sending sensitive information.


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. 


Have you moved?  Simply complete the Change of Address Form and return it via any of the return methods listed on the top of the form.


Vacation Pay posting dates for 2015

January 8, 2015
February 6, 2015
March 6, 2015
April 8, 2015
 May 7, 2015
 June 5, 2015
July 8, 2015
August 7, 2015
September 8, 2015
October 7, 2015
November 6, 2015
 December 7, 2015