Frequently Asked Questions

Wiring Instructions:

Wire to:	Alloya Corporate Federal Credit Union Warrenville, Illinois ABA or Routing # - 271987635
Further Credit to:	St. Cloud Financial Credit Union ABA or Routing # - 291975656
Final Credit to:	Member's Name Member's Account Number

***For International wires, the bank overseas needs to first send the wire to a Financial Institution in the United States that they correspond with. Once the wire is received by that bank in the United States, they can then use the instructions shown above.
**The Accounting Department posts all incoming wires to member's accounts; there is a $10 charge for incoming wires.

Cutoff Time:

There is no cutoff time. Minnesota Corporate receives transmissions from the Federal Reserve throughout the day.

Step 1:

In your Online Banking account, go to "Transfers" and "More Actions" and choose "Add Account".

Step 2:

In the Add Account details, you will be able to link to another SCFCU member account to send them money/funds.

Step 3:

Fill out recipient information. You will need their member number and Share ID that identifies what type of account the member has. A share ID is the four-digit code (example: 0010).

Step 1:

In your Online Banking account, go to "Transfers" and "Add Acccount" and choose "External Account".

Step 2:

Add account details and it will ask you to confirm your identity for security purposes with a code.

Step 3:

After you receive the test amounts, you will go into "Settings" and under the "Accounts" menu to confirm the test amounts.

Step 1:

In your Online Banking account, click on which account (checking, savings, loans, etc.) you want to download the transictions for. Click the "Transactions" tab, and click on the download icon.

Step 2:

After clicking the download icon, select the Download Format for the file, the Start Date and End Date and which accounts you want the transactions downloaded for.

Members have the ability to report lost, stolen or damaged cards and the system will generate new cards for them. In the event of lost/stolen where they had transactions they did not perform, they will still need to contact Coop to dispute those charges. As you can see from the screenshot below, the options provide notice of what will result when taking each action.

Block the card

This allows a member to block the card entirely. Example: I don’t use my debit card for anything other than at an ATM. I keep my card blocked until I am ready to run an ATM transaction. I log into the mobile app a minute prior to the transaction and unblock the card and as soon as I’m done put the block back on. These features are live time (depending on cell service).

Set card alerts

Members can set up alerts where specific transactions will email, text or both.

This can be set up by geographic location, transaction limits, Transaction type or merchant type.

They can also set it up to alert for all activity

Set card controls

Members can set controls on their card that any activity specific to that control will deny the charge. This is a great feature to keep their card safe from activity they do not normally do.

Members can set up multiple geographical regions for “in person” transactions. This will decline transactions outside of where they normally perform “in person” transactions.

This can also be set up by transaction limits, Transaction type or merchant type.

• Members have recently come in to talk about ways to monitor holiday spending. Both alerts and controls are great ways to help notify or limit spending as needed based on their budgets.

As a reminder, SCFCU will NEVER call you to request the following:

Your account information

Online banking credentials (Username and/or password)

Full social security number (SSN)

Your personal information such as address, email address, or other individuals on your account

Your personal credit/debit card numbers or PIN

Stay safe with these tips:

Don’t rely on caller ID

Never give out your personal, private and sensitive information to any unknown caller

Watch out for a false sense of urgency

Avoid clicking on suspicious links

Watch out for scare tactics

Never open attachments from unknown individuals

Hang up if you think the person calling you sounds suspicious

Think before you click

St. Cloud Financial Credit Union always wants to you keep you and your family safe. If you think you have been a victim of a scam or given out private information regarding your account, please do not hesitate to contact us by stopping into one our branch locations, chatting with us on our website or calling us at 320-252-2634. Learn more by visiting our Fraud Prevention FAQ.

Our Live Teller Machines provide our members with a new, modern system that uses a combination of touch screens and video technology to offer a virtual version of an in-person banking experience. They are similar to ATMs, but feature a live video chat function with a SCFCU teller and allows you to perform a variety of services like you would experience inside of our credit union.

Learn more about our Live Teller Machines and how to use them.

You can sell the vehicle and pay off the residual value, the rest is yours!

Use the vehicle as a trade-in

Keep the vehicle and refinance the remaining balance

Return the vehicle at loan end

Gilleland Chevrolet

Luther Honda

Hyundai

Miller Auto Plaza

Tenvoorde Ford

What is the Payment Saver Program?

At SCFCU, we offer payment saver auto loans that allow you to own your new vehicle while also making lower than conventional payments! You pick the term of your agreement and your mileage limit, with no downpayment needed!

We offer 24-72 month financing on our payment saver auto loans. Both new and used vehicles are eligible for these auto loans. Say goodbye to “surprise” payment amount changes; with our payment saver plan, you always know what you’re paying. Learn more.