Our Checking accounts feature no monthly service charges or per check fees and comes with a Visa® Debit card. 


For added peace of mind enroll your SMW 104 Federal Credit Union Visa® Debit card in smsGuardian™ to receive text alerts regarding activity on your account.   When receiving text alerts, if the transaction was legitimate you don’t need to do anything.  If you feel the transaction is fraud, simply reply to the text alert and your card will be blocked immediately from further activity.   Visit our enrollment website by clicking here to register your card and mobile device. 


Additionally, for added security, we recommend you use your PIN number for transactions whenever possible.  


You can simplify your life by registering your account with SMW 104 Federal Credit Union Online Banking and free Bill Payment. This saves you time from writing out checks and buying stamps. Additionally, you have the ability to monitor your account history in real-time and view copies of paid checks.


All of the accounts are insured up to $250,000 by the National Credit Union Administration (NCUA) and covered by another $250,000 with excessive share insurance through American Share Insurance (ASI), which insured each member account on balances up to $500,000.  A minimum balance of $2,500 is required to earn dividends. 


We accept deposits by cash, check, payroll deduction, direct deposit, using our Mobile Deposit App, at any CO-OP Shared Branch location or via ATM using your SMW 104 Federal Credit Union issued ATM or Visa Debit card.  Our Routing Number is 321171317.