Digital Banking

At South Metro Federal Credit Union, we strive to offer the ultimate in convenience, balanced with the need for safe and secure transactions.

Every day we expand our horizons by listening to our members and always being prepared to offer what’s next. Access is power.

Personal Online Banking

South Metro Federal Credit Union is proud to offer the convenience of online banking to our members. Online banking is free, safe and a secure way to conduct your banking business on the go anytime. Your data is secured using best practices for online banking, such as HTTPS, 128-bit SSL encryption, PIN access and application time-out. There is never any personal data stored on your phone. If you have questions, call us at 952-445-0888.

If you have questions or problems using our online Bill Pay service, call 844-279-9824.

Enroll in Online Banking

Monitor Your Credit Score

Before you go online...

Make sure you're not a target for phishing attacks or identity theft. Always use complex passwords and keep your anti-virus software up-to-date. If you want to know more about how to protect yourself and your loved ones from scams and identity theft, click here.


Mobile Banking

Mobile Banking is free*, safe and a secure way to conduct your banking business on the go anytime with any mobile device. Mobile Banking lets you view account balances, search recent activity, transfer funds between accounts, and access a locator to find COOP ATMs and Shared Branch locations. Optional services include mobile bill pay, instant balances, and the Credit Sense credit monitoring service.

Card Management Services
Get real-time control over SMFCU Debit and Credit cards from within your SMFCU Mobile app. Learn more here.

Text Banking
Text Banking allows you to securely receive account balances and review account history via any text-enabled mobile device. Learn more.

Mobile Deposit
Mobile Deposit provides a convenient, easy way to remotely deposit checks into your South Metro deposit account using the camera feature on your mobile device. Read our Mobile Deposit FAQs.

CreditSense Powered by SavvyMoney®
Check your credit score for free. Anytime. Anywhere! Understand your credit score, factors that impact it, and what you can do to strengthen it. No purchase or credit card required. Find out more.

Zelle® is a safe, fast and free* way to send money to friends and family in your mobile banking app. Learn more.

Mobile Pay
Use your SMFCU credit or debit card to make contactless payments from your cell phone. Find out how.

To register on your Mobile Device using Apps:
  • APPLE USERS: Click on the App Store icon at right, or head on over the iTunes App Store on your device and search for "South Metro FCU" (without quotes) to download the app.
  • ANDROID USERS: Click on the Google play icon at right, or visit the Google Play store and search for "South Metro FCU" (without quotes) to download the app.

*You may be charged access fees depending on your wireless service plan. Check with your mobile service provider for details on specific fees and charges.

Frequently Asked Questions

What does the login error message, "Unable to validate your information..." mean?
If you encounter this type of message it could mean you need to reset your password. To do this, click on the "Forgot Password" link from the login page on the mobile app or from online banking. You can also contact Member Services at at 952-445-0888 or

How do I enable Fingerprint or Touch ID/Face ID login credentials?
You can do this from the login page or from within the app. Once logged in, select "More" from the menu. Select Fingerprint or Touch ID/Face ID and tap the button to enable.

 How do I deposit a check through the mobile app?
Endorse the back of the check with your signature and "South Metro FCU Mobile Deposit". Select the "Deposit" tab in the app's menu. Select "Deposit Check" then follow the app instructions.
**If you receive a message indicating that this feature is currently not available you will need to contact Member Services at 952-445-0888 or

How do I start using the new Bill Pay feature in the app?
Before using the new bill pay feature on the app you will need to accept the terms and conditions for bill pay. To do this, login to online banking using a computer. Go to the "Payments" tab and click "Pay your bills". You will then need to accept all the terms and conditions for bill pay. Once accepted, you will able to use the feature from within the app.

For more answers for frequently asked questions contact Member Services at 952-445-0888 or

SouthMet Testimonials

I refinanced my home recently and saved over $600 a month. The rates are great and the staff made the whole process totally trouble free. I did not realize I could recognize this amount of savings per month. It has made all the difference. - Grace


When you use online banking, your account may be eligible to enroll in eStatements. Once enrolled, you’ll receive an email each month when your statement is ready to be viewed.

  • You receive your eStatement as soon as it is ready! No more waiting for paper mail.
  • Accumulate an 18-month paperless archive of your past eStatements.
  • eStatements are safe, employing the latest security technology.
  • Get the support you need. Simply call 952-445-0888 if you need assistance.

You can switch back to the paper version of your statements at any time. Contact a credit union representative by phone at 952-445-0888 or contact us via our online opt-out form and ask to change your statements back to paper.

Log into Online Banking and sign up for eStatements today!

Personalize your banking experience! Call your trusted advisor today at

Telephone Banking - 1-800-459-8139

If you prefer our automated telephone banking service, call 1-800-459-8139 for account access. You can:

  • Make Balance inquiries on your savings, checking and certificates
  • Transfer money to and from your accounts
  • Verify checks have cleared your account
  • Make withdrawals from checking
  • Request copies of your cancelled checks
  • Check the dates and amounts of your last deposits, withdrawals and transfers
  • Verify Loan balances and Line of Credit availability
  • Inquire about dividends
  • ... and do much, much more!

To get started using this service, call South Metro at 952-445-0888 and speak with a Member Service Representative.

South Metro Credit Union telephone banking

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Routing #: 091981646  |  NMLS ID # 1059389

We at South Metro Federal Credit Union are committed to the digital inclusion and providing a website that is accessible to the widest possible audience in accordance with certain standards and guidelines. We are striving consistently to conform to WCAG 2.0 Level AA of accessibility. If you run into any barriers, please reach out to us at 952-445-0888 or

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