Digital Banking

Secure access to your account anytime, anywhere.

Digital Banking is like having your own SACU branch everywhere you go! View your balances, transfer funds between accounts, and more with ease from your very own computer, smartphone, or tablet!

Features

• View balances

• Transfer funds between accounts

• View recent transactions

• Pay Bills with Bill Pay

• Access account statements (e-Statements)

• View cleared Check Images

• Receive Account Alerts (E-Alerts) via email or mobile text message

• Make loan payments

• Use secure messaging

Sign up for Home (Online) Banking

If you are an existing credit union member, you can enroll today for Online (Home) Banking! Just have your member (account) number, tax identification number, and access to your email ready!

Mobile Banking

Manage your accounts from virtually anywhere.

Mobile Banking allows you to manage your money wherever you are. Whether you're paying bills, transferring funds, or just checking your balance, mobile banking is at your fingertips!

Compatibility: App for Apple devices requires iOS 9.3 or later. Compatible with iPhone, iPad, and iPod touch.
App for Android devices requires Android 4.4 and up.

View, download, and print account statements securely online.

Did you know that almost 85% of identity theft begins with a stolen paper statement? E-Statements allow you to receive your account statements electronically. No more statements sitting in your mailbox.

Aside from saving paper and helping the environment, you'll receive your statement faster and reduce paper clutter.

Once registered, you can log in to Home Banking or Mobile Banking App to access your E-Statements.

Features & Benefits

• E-Statements are Free!

• Get statements faster

• Help the environment - save paper, reduce clutter

• More secure than paper statements

• Helps prevents Identity Theft

Log in to Home Banking to enroll in E-Statements!

For home banking, click Profile & Settings in the top right corner and select e-Statements from the list. Click the field that you have read the Home Banking Disclosure, and then click the “Start Receiving e-Statements” button. While you are in settings, we suggest you enroll in eNotices at the same time.

ADD YOUR SACU DEBIT CARD TO YOUR DEVICE’S DIGITAL WALLET!

• Quick Access to your Debit Card!

• No need to carry your debit card in your wallet or pocket!

• Secured payment method when shopping in person or online!

As technology continues to evolve, your personal devices have become extremely useful for completing everyday tasks. With just a few taps, you can seamlessly take care of countless daily tasks. The ability to ditch the bulky wallet filled with debit and credit cards is one of those great advancements now all SACU members can enjoy!

How do you use a digital wallet?

If you have your digital wallet enabled on your device and are shopping online or in an application, your saved information will automatically populate while you are checking out. In order to use the contactless feature for your digital wallet, make sure your device supports tap and pay(Android Lollipop 5.0+ or iOS 8.1+). Most devices that have this feature enabled will automatically have the digital wallet options available for your device pre-installed!

If you are shopping in store, just look for the symbols below. If you see one of the symbols or the it is mentioned while checking out that the contactless option is available, just open the digital wallet you have, pick your SACU debit card option and hold it next to the payment terminal.

What is a digital wallet?

Digital wallets are online services or apps on your mobile devices that allow you to make transactions electronically, without the need to carry your physical plastic card with you wherever you go! SACU members can now add their debit cards to the most popular digital wallets including Apply Pay®, Google Pay™, and Samsung Pay®. These applications allow you to use your compatible mobile devices to make transactions in stores, online, and within apps, without compromising your actual debit card numbers. These programs also allow you to have access to your compatible debit and credit cards, membership cards, gift cards, and so much more. Many places have now added contactless payment options, so now you can use your SACU card contactless through these applications as well!

Are digital wallets safe?

With the amount of fraud, scams, and the evolution of the programs scammers use, keeping your personal and debit card information safe is top of mind for many. Many will ask, who has access to my information? What happens if I lose my phone and have my digital wallet enabled? Digital wallets use some of the latest safety features to help prevent identity theft and card fraud. These features include:

• The SACU digital wallet use tokenization to protect your card information. Only by sharing the tokenized card details, retailers and scammers alike will not have direct access to your actual card number, making it more difficult for false transactions to take place.

• You can also combine the safety features on your device with your digital wallet! Is your device Fingerprint ID, FaceID, PIN, Password, or design enabled? Use those same security features on your digital wallet before making a purchase!

Account Awareness - 24/7!

Stay on top of your finances with eAlerts.  Want to know if your balance falls below $500?  You can do that.  Want to know when your paycheck is deposited?  You can do that too.

Not only can you set up eAlerts to notify you about your account, but you can also set up personal ones too! Have a birthday or anniversary you want to remember? An eAlert can be set up for that as well. The possibilities are endless!

eAlerts can be delivered to you via email address and/or by text message.  Sign up for the delivery method that works best for you.  Login to Online Banking, and click on the green Alerts tab to get started!

Deposit checks on the go!

Mobile Deposit is a new feature of our mobile banking app that allows users to deposit checks into their Sheboygan Area Credit Union accounts using the camera on their phone or tablet.

Quick, Easy, and Convenient!

• 24/7 Convenience
  Deposit checks anytime-anywhere

• Safe and Secure
  Fully encrypted image transmission

• Save Time
  Save yourself a trip to the branch

How to Make a Deposit

Log into the SACU App on your phone and deposit a check in just a few easy steps!

1. Choose destination account

2. Enter amount of check

3. Endorse the check - Flatten the check, ensure no corners are bent over, and using a dark pen, endorse the check "For Mobile Deposit Only" and sign your name

4. Take photos of the signed check (front & back)

5. Tap "Deposit Check" button

Items submitted are reviewed for accuracy before posting to your account. Click here for our HELP page.

Conveniently pay your bills online.

Save time, stamps, and checks, and simplify your bill-paying with SACU's FREE online Bill Pay. It's another free feature of home / mobile banking!

Enter all your bills at once and set them up to pay automatically each month. Or choose when and how much to pay with just a couple of clicks! It's flexible, easy, and best of all, FREE!

• Pay all your bills in one place

• Set up one-time payments

• Set up recurring payments

• Schedule payments

• Review and track payment history

Get Started

Click on the "Bill Pay" option inside the Home (Online) Banking or Mobile Banking app.

Introducing Picture Pay!

With Picture Pay, you simply take a picture of your bill with your smartphone, enter the amount you wish to pay, and submit it for payment. You can also pay an individual by manually keying in the information.

These are some key things you need to know:

• Picture Pay is only available through our new mobile app.

• A smartphone or tablet with a camera is required.

• Please see our Picture Pay FAQ for more details.

Bill Pay and Picture Pay FAQs

Q: What is Picture Pay?

A:  Picture Pay is a product accessed through Sheboygan Area Credit Union’s Mobile Banking app that simplifies the way you pay bills. With Picture Pay, you simply take a picture of your bill with your smartphone, enter the amount you wish to pay, and submit it for payment. You can also pay an individual by manually keying in the information.

Q: How do I access Picture Pay?

A: If you are an existing mobile banking user, you’ll see the “Bill Pay" option in the main menu after you sign in. If you are not a mobile banking user, you’ll need to download our mobile banking app. You can do this by going to the app store for your device and searching for “Sheboygan Area Credit Union.”  You will log into mobile banking using the same username and password you have for online banking.

Q: I do not have the "Bill Pay" option.  Why?
A: In order to offer mobile Bill Pay, we needed to update our app. Please go to your device's app store and download the latest version of our app.

Q: I'm going to pay a bill. When will the funds be deducted from my account?

A: In cases where the funds are sent electronically, the funds will be deducted immediately. If our Bill Pay must produce a paper check for the payment, the funds get deducted when the check clears.

Q: How do I qualify for Picture Pay?

A: You must be enrolled in online banking and mobile banking, and here’s why:

a.You will use your Online Banking username and password to log into mobile banking

b.You cannot establish a username and password from mobile banking; this can only be done using online banking

Q: How does Picture Pay work?

A: While inside the Mobile Banking app, you’ll choose the “picture pay” option and follow the prompts to take a photo of the front of the bill, enter the amount you wish to pay, and submit it for payment.

Q: Is there a fee to use Picture Pay?

A: There is no fee for using Picture Pay except in the case of a rushed payment.  Rushed payments are charged as follows:

• Same-Day Electronic Items: $7.95

• Overnight Mail Paper Items: $29.95

• Items submitted by 3 p.m. central time will be processed the same business day**. Any items submitted after 3 p.m. will be processed the next business day. (** Business days are Monday - Friday.)

Q: Is there a limit to the number of bills that can be paid?

A: Not at this time.

Q: What if the image submitted via Picture Pay is blurry?

A: If the image is not legible, the item cannot be processed. You will receive a notification like the image listed below that the image cannot be processed.

Q: How can I use the Picture Pay process to pay for bills that I receive electronically rather than by USPS mail?

A: If you receive your invoice electronically (such as via email), you may either print out a copy of the invoice and take a picture of it, or you may just take a picture of the invoice right on your computer screen.

Q: Who can I pay bills to via the Picture Pay process?

A: Just as with online bill pay, you can pay anyone. The Picture Pay process will need to determine certain information from the photo of the invoice regarding who you are paying, and their return/payment address, and the Picture Pay process takes it from there. The Picture Pay system will send out payments electronically when possible and will print and mail a check when electronic delivery is not an option. You can also pay an individual by manually keying in the payee’s information under the Use Payee List.

Q: What if I don’t have a smartphone or tablet with a camera? Can I use Picture Pay?

A: Picture Pay requires that the photo be taken at the time you are using Mobile Deposit. If your smartphone doesn’t have a camera, you cannot use picture pay at this time.

Q: What happens if the bill doesn’t get paid on time?

A: You remain in control of when the payment gets made, but be mindful of the delivery time when you schedule your payments. At the most, it will take 4 - 5 business days for a payment to arrive at the biller's address. For billers that accept electronic payments, it will only take one day!

Q: Is Picture Pay available if I use online banking from a PC or laptop?

A: Not at this time. Picture Pay is only available through Sheboygan Area Credit Union’s mobile banking app.

Q: Is it dangerous to pay bills with your phone?

A: As all data transmitted between services and mobile devices are encrypted just the same as online banking, the risk of fraud is no greater.

Q: Will this service put me at risk of identity theft?

A: Consider the following precautions to use mobile banking apps more safely:

• Password-protect your device.

• Make sure your mobile security and virus protection software are current.

• Don’t save your banking password on your device.

• Watch out for Phishing scams. (Sheboygan Area Credit Union will never solicit you to ask for your banking information via email or text.)

• It is a good idea to conduct your online banking with a secure connection (rather than a public hotspot).

Brella™ Debit Card Manager

Brella™ app is a mobile app that helps you monitor activity on your debit card.

With Brella™:

• Receive alerts when your debit card is used.

• Turn your debit card on/off.

• Get real-time fraud alerts by text message or email.

• Check your account balance.

• Find nearby ATMs.

• Submit travel notices.

When you set alerts with Brella, you can keep a close eye on your debit card activity. If you receive an alert about a purchase you didn’t make, you can take quick action to prevent fraud. Receive alerts for:

• Purchases exceeding dollar limits you set.

• Purchases made online or over the phone.

• Suspicious or high-risk purchases.

Download Brella™ from your device's app store today!

The Brella application is powered by SHAZAM and is activated through your financial institution