Frequently Asked Questions

What is Service Credit Union's Routing Number?

211489656

How do I sign up for Online Banking?

To sign up for online banking, you will need your member number and some personal information to get started.

How do I download the Service Credit Union mobile app?

Our mobile app can be downloaded from the App Store or Google Play. Learn more about getting started with our app and its additional features here.

How do I opt in to SMS alerts?

Get real-time account information and important updates by signing up for our SMS alerts.
For members located in the United States:
sign up, simply text SERVICE to 603603.

For members located overseas:
To sign up, simply text SERVICE to +49 176 888 69325.
On a mobile device? Simply tap here.

Where can I download a print-from-home deposit, withdrawal, transfer or payment slip?

Download a printable form for deposit, withdrawal, transfer or payment.

How can I transfer money between accounts?

Watch our instructional video to learn how to move money between your own accounts or to other people quickly and securely using online or mobile banking.

Where can I find my account numbers or member number?

Your member number can be found within our app or in online banking, under “My Settings.” (Hit the gear button on the top right to get here if you are using our mobile app). In the Personal Information section, your name will appear directly above your member identification number.

To view your individual account numbers in online banking, go to “Accounts,” select the account of your choice, and hit “Details.” The account number will appear on the top line.

How do I change the order of my account numbers?

If you would like to reorder, rename or hide any accounts, please follow the below steps:

1. Log into online banking via the web (not the mobile app)
2. Go to “My Settings”
3. Scroll all the way down to rename & hide your accounts
4. Use the drag and drop feature to move accounts, and uncheck any accounts you don’t want seen
5. Use the “nickname” feature to name your accounts

How do I set up an external transfer?

1. Log into online banking. Click on the following: Transfer Funds>External Transfers. >Click the link to add your account from another financial institution. If using the mobile app, click on “More…” and then click “External Transfers.”
2. Once you add the account, we will make two small trial deposits into your EXTERNAL account in 24-48 hours for amounts less than $1.00. You will have to go into your external account to view what those amounts are, and then come back to your Service Credit Union online banking portal and input those amounts (see step 3 below).
3. To activate a recently added account, please take the following steps in online banking: Transfer Funds>External Transfers> Manage External Accounts and click on “Validate Account.”.  This will allow you to input your trial deposit amounts to activate your account. Once that’s completed, you can begin transferring funds between accounts. If using the mobile app, then click on “More…” and then click “External Transfers.”

Quick tips:

• When making payments to your Service Credit Union loan in online banking, click on “Pay My Service Credit Union Loan” and select the loan account you are paying and the external account where the funds are coming from. If using the mobile app, then click on “More…” to get to this option.
• When transferring funds to or from an external account, click on “Transfer Funds” and select the desired account to transfer from and the desired account to transfer to. On the mobile app, click on “Transfer.”

Why am I getting an error message regarding an external deposit account connection?

To simplify your online banking experience, external deposit accounts will now be linked through Plaid. If you have an existing external transfer or loan payment scheduled, please visit online banking to check if your external deposit account has been disconnected, and follow the steps on screen to repair the connection.

How do I get immediate service?

Our member services representatives are here for you at 800.936.7730 (U.S.) or 00800.4728.2000 (Intl). We are also available via live chat.

To save you time and effort, our digital banking assistant, Star, can answer questions immediately over chat and by phone without you waiting on hold. Get answers to frequently asked questions such as:

• “When is Military Pay Day?”
• “How do I report fraud on my card?”
• “How do I apply for a car loan?”

When you contact us by phone, you can save time by using Star to ask for your account balance, get branch and shared branching information, list your recent debit or credit card transactions, withdrawals and deposits, transfer funds and make loan payments to and from Service Credit Union accounts without waiting on hold to speak to an agent.

For any protected information, you will need your member number and a phone banking PIN number.

You may also call us to create or change your phone banking PIN using Star. To make phone banking easier in the future, you may also set up voice authentication.

Where do I get a PIN number?

Your voice banking PIN number allows us to verify your identity for secure phone banking questions. If you previously had a Call 24 PIN, your voice banking PIN is the same number.

If you need to create a voice banking PIN, or update an existing PIN, you may do so using Star when you call us over the phone.

How does shared branching work?

As a Service Credit Union member, you can take advantage of surcharge-free withdrawals through the Allpoint, CO-OP and Dolphin Debit networks.

Please note, if making a withdrawal at a CO-OP shared branch, you’ll need to take the following steps to confirm your identity.

Scan the QR code you’ll see displayed in the branch using your smartphone or smart device, or visit verify.coop.org.

Enter basic details: Your home credit union’s name, member number, and the last four digits of your Social Security Number.

Confirm your identity: You’ll be guided to take photos of your government-issued photo ID as well as a photo of yourself (valid for 20 minutes).

Receive an access code to present to the branch staff, making your transaction quick and protected.

How can I make a loan payment to Service Credit Union?

Service Credit Union makes it easy to pay your loan. Please visit our Make a Payment page to review your options.

How do I set up automatic bill pay?

In online banking, select “Pay a Bill,” and choose whether you are paying a U.S. or International Bill.

If using the mobile app, select “Bill Pay” from your options list.

Select “pay” from the top list of options to schedule a payment.

Choose where the payment is coming from, and then select the payee from your checking account, and select the amount.

Select the payee and date, and schedule as a one-time or repeat transfer.

How do I pay a bill outside of the U.S.?

Learn more about sending payments in local currencies with our International Bill Pay feature.

How do I pay my student loan through Student Choice?

To pay your student loan, visit https://servicecu.studentchoice.org/ and select “log in to my account” to make a payment.

Why is my ACH not working?

If you are setting up a new ACH payment, please ensure you are using your full account number, not just your member number.

If I lose my debit or credit card, can I turn off my card to prevent any fraud from occurring?

Yes! With My Cards in online banking or your mobile app, you can toggle the card “on” and “off” or select the option for “Lost/Stolen” to place a permanent block on the card.

I just received my new card, how do I activate it?

Go to My Cards, select the option Activate Card and follow the prompts to be connected to the Interactive Voice Response System.

I just received my renewal card, will the PIN still be the same?

Yes, your PIN will be the same but you do have the option to change it if you would like.

When filing a dispute, will I have to block my card?

If you are filing a dispute for fraud, the card is required to be blocked permanently.

How long will it take to get a provisional credit when disputing a charge?

If eligible, you will receive a provisional credit within 10 business days of filing the dispute.

I’m traveling next month and want to ensure my credit card is available to use on my trip. What do I need to do?

Go to “My Cards” in online banking or your mobile app and select the option “Travel Plan.” You will be brought to the “Manage Travel Plans” page, where you may select “Add Travel Plan” and complete all of the required fields.

How can I set a PIN on my new debit card?

In My Cards on your mobile app, scroll to the bottom and click “Set Pin.” You will need to verify your identity via a Security Token. This token will be sent to the contact email or phone number on file.

What’s my daily ATM limit?

$1000.00 USD (or the foreign currency equivalent).*

I used a surcharge-free ATM. Why did I receive a $2.00 fee from Service Credit Union?

The charge that is waived when using a surcharge-free ATM is the fee that the owner of the ATM charges. The $2.00 fee is assessed by Service Credit Union when a member uses a non-Service Credit Union ATM. Depending on the checking account tier you have, you may qualify for up to $30 monthly for ATM reimbursements. More information.

What non-Service Credit Union branches can I make transactions at?

Members can conduct Service Credit Union transactions at 5,000 shared branch locations and nearly 30,000 surcharge-free ATMs worldwide. Make deposits, withdrawals, transfers, account inquiries and other transactions at convenient locations near work, home, shopping and travel locations. Find a location near you.

What fees are currently charged by Service Credit Union?

View our current fee schedule.

I recently lost a loved one that has a Service Credit Union account. How should I handle closing their account?

Please click here for full details regarding the closing of a loved one’s account.

I’m PCSing, do I need to close my account?

No, you do not need to close your account if you are changing stations or going on deployment. If you’re a Service Credit Union member, you’ll remain a member for life.

That’s why we offer special services to make life easier both stateside and overseas, whether it’s our full-service mobile app, 24/7 Contact Center, access to thousands of shared branch locations and surcharge-free ATMs or International Bill Pay. Learn more now.

How do I remove Collateral Protection Insurance (CPI) from my loan?

Many members are surprised when they look at their loan account to find that a large dollar amount has been added for CPI insurance. This is insurance that Service Credit Union will purchase if you have not provided proof of insurance (comprehensive and collision) for your vehicle. This is to ensure that Service Credit Union’s collateral is protected in the event of an accident. To have this insurance removed, follow the steps below:

• Send an email to Allied Solutions: docsend@fmq.alliedsolutions.net
• The subject line of the email should be: Remove CPI Insurance
• The body of the email should read: My name is (Your Full Name) and I am requesting the CPI insurance be removed from my loan. My member number or SSN is: XXXXXXXX. Attached is a copy of my insurance policy.
• Attach a copy of your insurance policy to the email.
• You may also mail the insurance policy to:

Service Federal Credit Union

c/o Allied Solutions

PO Box 2366

Sioux City, IA 51106

How do I request a name change?

If you require a name change, please follow these steps:

• Download and complete this Name Change Request Form
• Email the completed form as an attachment to scu@servicecu.org
• Subject of the email should read: Name Change Request
• Body of email should include your full name and member number or full SSN.
• Attach the document that resulted in the name change, i.e., marriage certificate.

If you require further assistance, then please speak to a representative at 800.936.7730 (U.S.), or 00800.4728.2000 (International), select Option 6 from the automated menu.

How do I ship my vehicle from an overseas location to the United States?

In order to ship your vehicle that is financed through Service Credit Union, you will need a Permission to Ship letter. Please follow these steps to avoid any delays:

• Make the request for the letter by sending an email to loans@servicecu.org or faxing to 603-422-8457.
• The subject should be: Request Permission to Ship Letter
• Attach a copy of the insurance policy and PCS/rotation orders.
• The body of the email should read: My name is (Your Full Name) and I will be returning to the United States from overseas. My account number or SSN is: XXXXXXXX. The year/make/model of the vehicle being shipped is: (Year/Make/Model). The estimated shipping date of my vehicle will be on (estimated date vehicle will be shipped). My vehicle will be shipped to (City, State). PCS Orders and proof of insurance for this vehicle are attached.

It is recommended to make this request as soon as you receive your PCS/rotation orders to avoid any delays. Estimated processing time is 1-2 business days. 

How do I ship my vehicle from the United States to an overseas location?

In order to ship your vehicle that is financed through Service Credit Union, you will need a Permission to Ship letter. Please follow these steps to avoid any delays:

• Make the request for the letter by sending an email to records@servicecu.org or faxing to 603-422-8391.
• The subject line should be: Request Permission to Ship Letter
• Attach a copy of the insurance policy and PCS/rotation orders.
• Attach a copy of the insurance policy and PCS/rotation orders. The body of the email should read: My name is (Your Full Name) and I will be leaving the United States to work overseas. My account number or SSN is: XXXXXXXX. The year/make/model of the vehicle being shipped is: (Year/Make/Model). The estimated shipping date of my vehicle will be on (estimated date vehicle will be shipped). My vehicle will be shipped to (Country, city). My PCS/rotation Orders and proof of insurance for this vehicle are attached.

It is recommended to make this request as soon as you receive your PCS/rotation orders to avoid any delays. Estimated processing time is 1-2 business days.