Download the App
& Start Banking Smarter
Manage your accounts, deposit checks, transfer funds, pay bills, and more with the SRCFCU Mobile App. Download the app below, then explore our tutorials to learn how to get the most out of Digital Banking.
Getting Started:
Register for Online Banking
Online Banking lets you view balances, transfer funds, pay bills, and more — anytime, anywhere.
Steps
Visit www.srcfcu.org and click the red Online Banking button at the top right.
Select Register.
Enter your account verification method, account number, last 4 digits of SSN, and date of birth. Accept the terms and conditions. Click “Verify”.
Create your username and password.
Verify your identity and complete registration.
Helpful Tips
Use a strong password.
Keep your login info private.
Contact us if you receive an error message.
Reset Your Password
Steps
Visit the website and click on the red “Online Banking” button or open the Mobile App on your phone.
Select Trouble Signing In?
Select what you need help with, choose Forgot My Password, then click Continue.
Enter your Username, Account Verification Method, and Birthdate, then click Continue.
Enter the verification code sent to your email or mobile number to confirm your identity.
Create a new password.
Log back in.
Helpful Tips
When asking for your account number, always enter your shortform account number.
Forgot Your Username
Steps
Visit the website and click on the red “Online Banking” button or open the Mobile App on your phone.
Select Trouble Signing In?
Select what you need help with, choose Forgot My Username, then click Continue.
Enter your Username, Account Verification Method, and Birthdate, then click Continue.
Enter the verification code sent to your email or mobile number to confirm your identity.
Your username will now be displayed.
Update Personal / Contact Information
Keeping your contact information up to date ensures you receive important account alerts, statements, and fraud notifications without interruption.
You Can Update:
Mailing address
Email address
Phone number
Steps
Log in to Online Banking.
Click your round initials in the top right corner to access Settings.
Select the Personal Information tab.
Edit the information you wish to update.
Review your changes carefully.
Click Update.
Verify.
*If you are unable to update certain information online, please call us for assistance.
Update Your Statement Delivery Preference
Choose how you receive your account statements — electronically through email or by mailed paper statement.
Statement Options May Include:
eStatements (emailed & available anytime through Online Banking)
Paper statements by mail
Steps to Switch to eStatements
Log in to Online Banking.
Select the Statements tab on the left-hand menu.
Select Manage Preferences.
Choose your preference for each account or select Enable All.
Ensure your account email is correct.
Steps to Switch to Paper Statements
Log in to Online Banking.
Go to Statements / Preferences.
Select Paper Statements.
Confirm your mailing address is correct.
Submit your changes.
Important Notes
If you are enrolled to receive paper statements by mail, you will not have access to view those statements within Online Banking.
If you would like online access to your statements, you must enroll in eStatements.
Statement preference changes may take one billing cycle to process.
Security
Set Security Alerts (Email or Text Notifications)
Security alerts help you monitor account activity in real time and quickly detect unauthorized transactions. It’s also a great tool for monitoring Youth Accounts.
You Can Set Alerts For:
Debit card transactions
Large withdrawals or deposits
Low balance notifications
Login attempts
Password or profile changes
Steps
Log in to Online Banking.
Click your round initials in the top right corner to access Settings.
Select the Security tab > Manage Alerts > My Subscriptions (at the top right).
Edit your current subscriptions or click the red Add New Subscription button.
Select Alert Type.
Select Delivery Method regarding how you’d like to receive notifications (email, text message, or both).
Choose the account you want to monitor.
Select the type of alert (transaction, balance, security, etc.).
Click Save.
Helpful Tip:
For the strongest protection, enable alerts for debit card transactions and profile changes.
Verification Note:
You may receive a one-time passcode to confirm your phone number or email address before alerts become active.
Need Help?
Call 850-623-3877 or visit any SRCFCU branch if you need assistance setting up alerts.
Temporarily Lock or Unlock Your Debit Card
Misplaced your debit card? You can instantly lock it through Online or Mobile Banking to prevent new purchases — and unlock it just as quickly if you find it.
When to Use This Feature:
You misplaced your card
You notice suspicious activity
You want extra protection while traveling
Steps to lock your card
Log in to Online or Mobile Banking.
Go to the Debit Cards tab.
Choose the debit card you want to manage.
Click the Lock Card button to turn it off.
Confirm your selection.
Your card will immediately be restricted from new transactions.
To Unlock Your Card:
Toggle the switch back to Unlock.
Confirm.
Important Notes
Locking your card stops most new purchases but may not stop recurring payments.
If your card is permanently lost or stolen, contact SRCFCU right away to request a replacement.
Moving Money:
Transfer Between Your Own SRCFCU Accounts
Move money instantly between your checking, savings, or loan accounts at SRCFCU.
Steps
Log in to Online Banking.
Go to Move Money > Payments & Transfers.
Select the From and To accounts.
Choose the frequency. (Important Note: Immediate- Processes right away after submission. One Time- Processes on the next business day or a future date you choose.)
Choose amount and add an optional memo.
Click Continue.
Transfer to Another SRCFCU Member
Send money securely to another member’s SRCFCU account.
Steps
Log in to Online Banking.
Go to Move Money > Payments & Transfers.
Choose which of your accounts you would like to send From.
When choosing the destination account, scroll all the way down to the Other Member section and choose the account.
To set up a new member account for the first time, click the Add New Member Destination button. Enter account number, account type and account last name. Choose whether to save the new destination or not. Click Submit.
Choose the frequency. (Important Note: Immediate- Processes right away after submission. One Time- Processes on the next business day or a future date you choose.)
Choose amount and add an optional memo.
Click Continue.
Send Money to Your Account at Another Bank
Send funds securely to your personal accounts outside SRCFCU.
Steps
Log in to Online Banking.
Go to Move Money > Account to Account.
Enter amount.
Choose your From account.
Select To account or to Add account.
If adding an account, continue to the Plaid verification of the external account.
Transfer funds.
Important Note
This feature is available upon request and will not appear in Online Banking until it has been activated. To enable this feature, please call us at 850-623-3877.
Funds Availability
Funds are typically available within 1-3 business days.
Send Money to Someone Else at Another Bank
Send funds securely to your personal accounts outside of SRCFCU.
Steps
Log in to Online Banking.
Go to Move Money > To Another Person.
Select to whom you would like to send money from the drop-down menu. To create a new recipient, choose Add Recipient.
Choose which account to send from.
Select Continue To The Next Step.
Create a secret word that they will use to collect the money you send them.
Choose your authentication method.
Continue with steps.
Important Note
This feature is available upon request and will not appear in Online Banking until it has been activated. To enable this feature, please call us at 850-623-3877.
Paying Bills:
Set Up Bill Pay
Pay your bills online from one place instead of mailing checks.
Steps
Log in to Online Banking.
Go to Move Money > Pay Bills.
Select your payee. (To set up a new payee for the first time, click the red + icon. Select Add Payee.)
Choose to set up recurring payments or select Pay for a one-time payment.
Edit or Cancel Payments
Steps
Log in to Online Banking.
Go to Move Money > Pay Bills.
Use the I want to drop down menu to choose View Payments.
Look under Scheduled tab.
Loan Payment Options
We’re committed to helping our members find the best loan payment option that works for you.
Reorder Checks
Need more checks? You can quickly reorder them through Online Banking if your account is eligible for check writing.
Steps to Reorder Checks Online
Log in to Online Banking.
Select the More Services tab from the left-hand menu.
Select Reorder Checks.
Select Continue.
Continue with the prompts through our approved check provider.
You will receive a confirmation once your order has been processed.
Important Notes
Orders are fulfilled through SRCFCU’s approved check provider.
Processing and shipping times may vary.
If your address has recently changed, update it before placing your order.
Deposits:
Mobile Check Deposit
Deposit checks using your phone.
Steps
Open the SRCFCU app.
Tap Deposit.
Choose deposit account.
Enter amount.
Take clear pictures of the front and back of the check with good lighting.
Submit.
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Make sure that the check is made out to you or the credit union.
Confirm the written amount of the check matches the numerical value.
Verify that the check is signed and dated.
Endorse the back of the check: Include your signature and write “For mobile deposit SRCFCU”.
Keep the check for 60 days.
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For established accounts, the first $700 is usually available right away, and the remaining amount is available after 2 business days. For accounts that are less than 60 days old, funds may be held for up to 10 business days before becoming available.
View Transaction History
Steps
Log in to Online Banking.
Select your account.
View all transactions or use Search feature.
Set Up Direct Deposit
Steps
Gather Your Info -
You’ll need your employer or payroll provider name, your account number, and routing number. Use Routing Number: 263280939
Contact Your Employer or HR Department -
Ask your employer or HR team for their direct deposit form or log into your payroll system to make the change. Many employers require their own form or use an online system to update your payment preferences.
Get Paid Early -
Once your employer processes the change, your paycheck will begin depositing directly—and may arrive up to 2 days early.
Account Management:
Update Contact Info
Steps
Log in to Online Banking.
Go to Profile > Settings > Personal Information.
Edit address, phone, or email.
Save changes.
View Statements
Steps
Log in to Online Banking.
Click Statements.
Select account.
Select View.
Access Your Child’s Youth Account
Parents or guardians can view a child’s SRCFCU youth account through Online Banking. This access must be set up by SRCFCU staff and is not automatically connected when the account is opened.
Important Note:
Access to a youth account must be requested and authorized with signatures. This feature will not appear in Online Banking unless it has been set up by SRCFCU.
Ways to Set Up Access
Option 1: Create a Separate Online Banking Login
A separate Online Banking login can be created specifically for the minor’s account. This allows you to log in and view only that account.
Option 2: Link the Youth Account to Your Existing Login
You may request that the youth account be connected to your existing Online Banking profile. To do this, you must complete and sign a Cross Account Access form, which allows the account to appear when you log in to your primary account.
How to Request Access
Visit an SRCFCU branch or speak with a teller when opening the youth account.
Request Online Banking access for the youth account.
Choose whether to create a separate login or connect the account to your existing login.
Complete and sign the required authorization form.
Once access has been set up, the youth account will appear the next time you log in to Online Banking.
Parent Tip 💡
Linking your child’s account to your Online Banking can help you monitor their savings and teach them healthy financial habits while they learn to manage money.
Need Help?
Call 850-623-3877 or visit any SRCFCU branch if you need assistance setting up access to a youth account.
Common Questions
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Deposits at SRCFCU ATMs
Deposits up to $225 are generally available immediately.
Any amount over $225 will have a 2-business-day hold. These funds will be available on the second business day after deposit.
Deposits at Non-SRCFCU ATMs
All deposits made at ATMs outside of SRCFCU are subject to a 5-business-day hold.
The full amount of the deposit will be available after the 5th business day.
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For established accounts, the first $700 of a mobile deposit is usually available right away, and the remaining amount is available after 2 business days. For accounts that are less than 60 days old, funds may be held for up to 10 business days before becoming available.
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Yes. Your funds are insured up to at least $250,000 per individual depositor by the National Credit Union Administration (NCUA). The NCUA is an agency of the federal government that oversees and regulates credit unions.
Have more questions?
Call: 850‑623‑3877
Visit: Any SRCFCU branch
Email: memberservices@srcfcu.org
