Mobile Banking
Do your banking on the go!
Easy, convenient and available to use 24 hours a day. Members can check account balances, search for cleared checks, pay bills, transfer funds, view cleared transactions and pending transactions, deposit checks, make loan payments, and securely contact the credit union. Usernames and passwords used in Online Banking are also used in Mobile Banking.
With Mobile Banking you can...
- Log in using Finger Print ID.
- Monitor Accounts: Members can view previous transactions, view pending debit card transactions and check available balances.
- View image of cleared checks.
- Transfer Funds between your own accounts and other ServU members.
- Pay Bills, receive e-bills, and set up recurring bill payment.
- Set up push notifications to receive account updates on a regular basis.
- Quick Peek: Allows you to swipe your screen (with app open) to view your balances without logging in.
- Balance Widget: Allows you to view account information from your device's home screen.
- Pay your ServU loan from an account at another financial institution.
Is Mobile Banking secure?
Yes. Mobile Banking uses the same security protocols that Online Banking uses. The same vigilance taken in protecting personal information with Online Banking should be taken with Mobile Banking. Do not save accounts or passwords on phones. Do not share account or passwords with anyone. Do not download software for accessing accounts that is not Credit Union approved.
Please remember that although we do not charge for use of Mobile Banking, your wireless provider's messaging and data rates may apply.
What are some other things you can do with Mobile Banking?
What is a Mobile Wallet?
A digital payment system in which you connect your ServU Visa Debit or Credit Card and pay securely using your smartphone or tablet. ServU Credit Union Visa Debit and Credit Cardholders can utilize Google, Apple, and Samsung Pay with our Mobile Wallet!
Is it Secure?
Yes, payments made through a mobile wallet are encrypted. This means the mobile wallet will turn your 16-digit card number into a randomized set of numbers for each
transaction. This prevents hackers from obtaining card information.
Convenient and Easy to Use!
Forgot your wallet? No problem. With Mobile Wallet, you can pay using your mobile device by tapping it to the payment station. Once read, your payment will process automatically.
How do I sign up?
Open the wallet on your mobile device then select the “+” symbol and follow the prompts to add the card information. There may be additional verification steps required to verify the cardholder depending on the mobile device and pay service being used. Visa requires a notification be sent to a cardholder each time a card is added to a mobile wallet.
For more information or help, contact our Card Services Department at l-800-443-0663
Have a check to deposit? Skip a trip to the branch and deposit your check right from your camera enabled smartphone!
How do I get started:
- Download the ServU Credit Union mobile app from the Apple, Android or Kindle app stores. If you already have the app, make sure you complete any available updates.
- Sign the back of your check and include the wording: “For Mobile Deposit Only ServU FCU”
- Open the app and select “Check Deposit”
- Review the Mobile Remote Deposit Services Agreement (first time users only)
- Select the account you would like to deposit to:
- iPhone users: scroll to the account you would like to deposit to and then click in the “Amount” box below.
- Android users: scroll to the account you would like to deposit to, then click on it.
- Enter the amount of the check you would like to deposit
- Follow the instructions to capture the images of the front and back of your check
For most Mobile Check Deposits, funds will become available in your account after the file is processed by the Credit Union. Mobile Check Deposits are posted multiple times throughout the day. Funds could be deposited into your account the same day if your Mobile Check Deposit is made prior to 4:30pm. If your Mobile Check Deposit is made after 4:30pm it will not be processed until the next business day. All checks are reviewed for accuracy and will not be processed on weekends or holidays. The back of the check must be signed and include the following statement: "For Mobile Deposit Only ServU FCU." All checks are subject to a hold at the discretion of the Credit Union. In this case, funds may show as deposited into your account, but the funds will not show as available. Members must qualify for this service.
Do I need to endorse my check?
Yes. Please sign the back of your check as normal and include the wording: "For Mobile Deposit Only ServU FCU." Check must be endorsed correctly to be processed. We are required by regulation to reject all checks that are not endorsed correctly.
What do I do with my check after depositing using Mobile Check Deposit?
Once you take the photo of your check, keep the original in a safe place for at least 30 days.
When will the funds be available?
Funds will appear in your account after your "deposit" has been approved. Items received by 3:00 PM (Eastern), during regular business days will be processed by the end of the same business day. Mobile check deposits made after 4:30pm will not be processed until the following business day. Checks will not be processed on holidays or weekends. If a hold is placed, funds may show as deposited into your account, but the funds will not show as available.
What are the limits?
There are per check deposit limits, daily dollar amount limits, and 30-day rolling dollar amount limits. These limits are based on criteria such as type of account, services used at the credit union, and balance maintained at the credit union. We review accounts regularly and update limits accordingly.
How do I know my limit?
When you first register for Mobile Check Deposit, you will receive an email stating your per deposit limit, daily deposit limit and rolling 30-day deposit limit. Additionally, your per deposit limit will display in the Amount box that is filled in before you submit the image of the check. The limit displayed applies to individual checks, not your daily or 30 day rolling dollar amount limits.
What happens if I have a check that exceeds my limit?
These items can be deposited at any ServU Credit Union branch.
Tips for taking a good photo:
- Take the photo in a well-lit area
- Place the check on a solid dark background
- Keep the check within the view finder on the camera screen when taking your photos
- Make sure the entire check is visible and in focus before submitting your request
- Avoid having other objects in the frame such as other papers, pens, etc.
ServU does not charge a fee for using Mobile Check Deposit, however your wireless carrier may charge data/text messaging fees. Some account types may not qualify for Mobile Check Deposit. These include business, organization, and association accounts, accounts with delinquent loans or negative balances, and minor accounts without teen share draft or teen debit cards.
Adding an External Account via Mobile Banking
- Select the “External Transfer” option → Select “I want to” → Manage External Accounts
- Select “Add an account”
- Enter the External Account Information
- Confirm the added Account Information
Three small test transactions will be sent to your account at the other financial institution. These are meant to test the external account and make sure that the account information that was added, is correct.
Once these small test transactions have been completed, you will log in to your ServU online banking to validate the external account.
Validating the External Account
- External Transfers → “I want to” → Manage External Accounts
- Click “Validate Account”
Enter the amount of the small test deposits from the external account.
Your external account is now active. You may begin using this account for external account transfers
