Online Services

To sign up for SMFCU Online Banking, call us at 952-445-0888.

Frequently Asked Bill Payment Questions

SMFCU Online Banking offers online Bill Payment - any time day or night - for free!

SMFCU Bill Payment offers you paper-free convenience and the ability to view and pay bills using your personal computer when you want, 7 days a week, 24 hours a day. 

How do I sign up for SMFCU Bill Payment?
There are two ways for you to sign-up: the first way is via the Electronic Bill Payment Registration feature on the SMFCU website or by submitting a sign-up application to the bill payment vendor via U.S. Mail.

How long does it take to become a new SMFCU Bill Payment user?
Setting up takes 5 to 7 business days from the time the sign-up form is received by the bill payment vendor. User guides and personal security codes are generated the day after your account is made active.

When is SMFCU Bill Payment available?
Payments can be scheduled 24 hours a day, 7 days a week. Payments scheduled on a Saturday, Sunday, or holiday will be debited from the account the next business day. 


What bills can I pay using Bill Payment?
Members may pay practically anyone using SMFCU Bill Payment: charge accounts, utilities, auto loans, even their doctor or daycare center. There are, however, organizations that will not accept payments via internet bill payment, such as the IRS and other taxing entities, court directed or government related payments.

What happens if there are non-sufficient funds (NSF)?
If there are non-sufficient funds, the debit will be returned to the bill payment vendor via banking channels. The ACH return will prompt the system to block the account, preventing the Member from making more payments until the NSF is resolved. Any recurring future dated payments scheduled for release during the time the account is blocked will not be sent.

How is the payment deducted from my account?
By direct ACH debit through the Federal Reserve banking channels. SMFCU uses the ACH format to identify the payees name so the customer can recognize it on their monthly statement.

Can SMFCU Bill Payment be used outside the U.S.?
Yes. Pay bills from outside the U.S., but only if the system uses a compatible browser. Payments may only be debited from U.S. bank accounts and may only be made to payees inside the U.S.


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