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Frequently Asked Questions

We’ve heard from you and gathered our most frequently asked questions to help you get your answers faster.

Getting Started

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

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.

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.

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.

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

Getting in Touch

How do I get immediate service?

Our member services representatives are here for you 24 hours a day at 800.936.7730 (U.S.) or 00800.4728.2000 (Intl). We are also available via Live Chat.

To save you time and effort, we’ve introduced Star, our personal assistant, who can answer questions immediately over Chat and by phone without you waiting on hold.

Our member services team is here to help. With Star, you can get answers to frequently asked questions via chat or phone, 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, list your recent transactions, withdrawals and deposits, transfer funds and make loan payments to and from Service CU accounts without waiting on hold to speak to an agent.

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

If you previously had a Call 24 PIN, then your voice banking pin is the same number.

If you do not yet have a PIN, but need one, we will be able to provide one over the phone for future use.

Making Payments

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.

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 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 amount.

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

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

To pay your student loan, visit and select “log in to my account” to make a payment.

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

Card Management

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

Yes, you can control your card functionality through our mobile app or online banking. Tap “More” then “Card Control” in the Service CU mobile app or “Financial Tools” then “Control Control” in online banking to view your debit and credit cards in one spot and turn your cards on or off, set up alerts and spending limits by vendor type, spend amount, and location. You can even set limits for dependents’ credit cards, or anyone else on a joint account.

To activate your new card, please call 800.992.3808.

Yes, the new renewal card will keep the same PIN as the expiring card.

Depending on the nature of your dispute, you may be required to block your card and get a new card number. If there is fraudulent activity on your credit card or debit card, you will be required to block the card per VISA rules. If you are filing a dispute for something other than fraud (e.g. non-receipt of merchandise or services, credit not processed or incorrect amount processed), you will not be required to block the card.

Please contact your local Service Credit Union branch or our Contact Center at 800.936.7730 (U.S.) or 00800.4728.2000 (International) to update your account with your dates and location of travel.

ATM Usage

What’s my daily ATM limit?

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

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?

Today, 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.

Fee Schedule

Updating/Closing an 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.

*Limit may be less if SCU network is temporarily unavailable. Terminals not owned by SCU, which may be accessed by your debit card, may have additional limitations.

Card Valet is a registered trademark of Fiserv, Inc.

Visa is a registered trademark of the Visa International Service Association.