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Have a question about a SELCO product or service? Start here, you may be able to find the answer in our Frequently Asked Questions.

  • Internet Privacy

    • If I complete an application on the SELCO Community Credit Union website, what do you do with this information?

      We use application information to complete requests and/or transactions. We may share personal information with our business partners in order to deliver products and services which you have requested (for example, obtaining a credit report if you applied for a loan).

      SELCO Community Credit Union will not sell personal information to a third party for the purpose of solicitation. Information may, from time to time, be made available on a limited basis to SELCO Community Credit Union business partners, to provide special offers or promotions of products or services that may be of interest to particular members in accordance with applicable law. Our business partners are carefully selected and share the same strict business principles as SELCO Community Credit Union.

    • If I send you an e-mail, what do you do with it?

      When you communicate to us through e-mail, we use your e-mail address only for the purpose of responding to your comments, questions and concerns.

      SELCO does support an optional Listserver, "SELCO Electronic Mailing List," which provides Members and potential Members with financial news and information about promotions, products and services. We only send information about current promotions and products and services to members who subscribe to this mailing list. You will never receive unsolicited email from SELCO Community Credit Union unless you personally authorize it by subscribing to our mailing list. You always have the ability to unsubscribe at any time. To unsubscribe, please read the instructions in the confirmation email you received when signing up, or contact us by email, phone, fax, or mail. Your email address provided in order to join the list will not be sold, nor will it be shared with others outside the credit union, unless we are compelled to do so by law.

    • Do you use analytics software? If so, what do you do with the information?

      Yes, SELCO Community Credit Union uses analytics software. We collect information about the name of the domain from which you access the Internet (example:,, or and the site from which you came from. We use this information for internal analysis only, which helps us improve the content of our web site for your future visits. Our web servers also collect information about browser and operating system types and which pages each user visits. We review traffic, hardware, and software statistics in order to make our site more accessible to all members and to tailor information to individual visitors and for traffic audits.

    • What do you do with information from online surveys?

      The information you provide on surveys and promotions will be used for internal marketing purposes only, including developing new content that meets your specific needs or content that needs updating due to accessibility or functionality problems.

      The encryption is accomplished by establishing a Secure Socket Layer (SSL) connection between the browser and the Web server. You can only access Online Banking with an SSL-compliant browser. All application forms and all areas of Online Banking are secure pages, which means that at no time can your information be accessed by anyone other than a SELCO Community Credit Union representative.

    • There are certain areas on your Web site that use a Co-Branded Label area that is not owned and operated by SELCO Community Credit Union. What happens to information provided to those entities?

      SELCO Community Credit Union has, wherever possible, structured its Partnerships with entities that share the same privacy values as we do. Some of the Partnerships developed have these terms expressed in our Agreement with the other party. If you believe that your privacy has been violated on a Partner site, please contact us immediately.

  • Browser Cookie

    • What are browser cookies?

      Cookies are bits of information that a Web site sends to a user's PC; the user's computer may then show the information back to the server on subsequent pages, actions or visits.

    • What types of browser cookies are there?

      There are two types of cookies: persistant and session. Persistent cookies expire on a specific future date. Session cookies expire once the session has ended. The use of cookies within online banking is necessary for security and is therefore required to access the system. Our use of cookies is for user authentication only. As there are a number of cookies within our secured site, you may want to turn off your cookie alert during your online banking session. You can always enable it later.

    • How do I disable the "Accept Cookies" warning?

      To disable the "Accept Cookies" warning in Firefox
      1. Click on Tools, then Options.
      2. Click on the Privacys tab.
      3. Click on the Accepting a Cookie checkbox.

      To disable the "Accept Cookies" warning in Chrome
      1. Click on the customize and control icon, then Options.
      2. Click on the Under the Hood tab and then Content Settings... button.
      3. Click on the cookies tab and then Allow local data to be set radio button..

      To disable the "Accept Cookies" warning in Internet Explorer
      1. Click on View, then Options.
      2. Click on the Advanced tab.
      3. Click on Warn before Accepting Cookies checkbox.

  • Courtesy Pay Program

    • Which Courtesy Pay privileges come with my SELCO Checking account and which one do I need to opt into in order to receive?

      SELCO automatically provides Courtesy Pay to qualifying members for check, Automatic Clearing House (ACH), debits from your account using your account numbers and our routing number, and recurring bill payments made using your SELCO VISA Checkcard number.  You must give us your consent to use Courtesy Pay to authorize one-time debits such as ATM, Point-of-Sale (POS) and debit transactions.

    • Why would I want Courtesy Pay for my Checking account?

      Courtesy Pay can save you money and hassle because it covers transactions that would otherwise be rejected.  If you have Courtesy Pay and a check, Automatic Clearing House (ACH) or recurring bill payment overdraws your account, SELCO pays it on your behalf for a $25.00 fee.  By having SELCO pay the transaction as opposed to returning it, you will not be charged Non-Sufficient Funds (NSF) fees or be contacted for the collection of a returned check, ACH or recurring bill payment. You also will not be added into the NSF tracking systems.

      If you elect Courtesy Pay you can avoid the embarrassment of having your one-time transactions denied at an ATM or merchant.  Your transactions will be authorized up to your available Courtesy Pay amount.  SELCO will charge a $25.00 fee to pay the transaction if it overdraws your account.

    • How much is available using Courtesy Pay?

      The Courtesy Pay limit is $300.  Your limit is increased to $500 if you have direct deposit with SELCO.

    • Can I have Courtesy Pay on more than one SELCO Checking Account?

      You will automatically have Courtesy Pay on any personal SELCO Checking account for checks, Automatic Clearing House (ACH) and recurring payments using your SELCO VISA Checkcard. You have the ability to decide whether or not to opt-in for extended Courtesy Pay, which covers one-time debits such as ATM, Point-of-Sale (POS) and purchases you sign for using your SELCO VISA Checkcard.

    • Can I change my mind if I no longer want extended Courtesy Pay?

      Absolutely!  Just let us know by calling us at (800) 445-4483 or stopping by one of our convenient branch locations. You can also opt-in at any time even if you previously declined.

    • Are there any restrictions?

      Courtesy Pay is a discretionary service and we reserve the right not to pay your overdraft. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts. Your Courtesy Pay balance must be paid in full as soon as possible. Each Courtesy Pay transaction will be assessed a fee as shown in the SELCO Rate and Fee Schedule.

    • Does SELCO offer overdraft protection other than Courtesy Pay?

      We also offer additional overdraft protection options, such as a link to a savings account, line of credit or your SELCO VISA Card which may be less expensive than Courtesy Pay. To learn more, ask us about these plans.

    • How do I opt-in to SELCO's Courtesy Pay service?

      To opt-in to our Courtesy Pay service: stop by any SELCO branch or call (800) 445-4483. You can also email us through our secure internal email system once you’ve logged in to your Online Banking account. 

  • Routing & Account Numbers

    • What is my Routing Number?

      SELCO's Routing Number is 323274445.

    • What is my Account Number?

      The Deposit Account Number is the 14-digit number on checks.

  • Online Banking

    • What is Online Banking? 

      Online Banking is a convenient and secure way to access your account 24 hours a day, 7 days a week, through the Internet. With Online Banking you can:

      • View your account balances
      • View your account history
      • View your eStatements
      • Transfer funds
      • Pay bills
      • View check images
      • View your pending transactions
      • Set up Account Alerts to get notified when certain transactions occur. 
    • How much does Online Banking cost? 

      Online Banking and Bill Pay are both FREE. 

    • What do I need in order to begin using Online Banking? 

      To access your account through Online Banking, you will need the following:

      • Any type of computer that can access the Internet
      • A Web browser (Minimum Browsers Supported: IE 8, Firefox 8, Chrome 16, Safari 5)
      • An active account with SELCO Community Credit Union
      • A valid and accessible email address on file with us. 
    • Do I need to enroll? 

      Yes, enrolling in Online Banking is necessary if you are a new user.  Simply click the "Enroll Now" link at the Online Banking login screen and follow the prompts that walk you through the process. 

    • How secure is Online Banking?

      Very secure. SELCO uses state-of-the-art network security to ensure the protection of your account information. Refer to our Security FAQ pageon the Help menu within Online Banking for detailed information.

    • What do I do if I forget my password?

      You can reset your password by clicking on the "Forgot Password?" link on the Online Banking login page. Or, you can call the Service Center at 800-445-4483 during business hours so that we may reset your password.

    • What if my account information is not correct or doesn't appear in Online Banking?

      Please send us a Secure Message or call the Service Center at 800-445-4483 during business hours.

    • Are there limits on the number of transfers I can make?

      Federal Regulation D limits electronic transfers made via Online Banking from certain savings accounts to six per calendar month. Because of this, you cannot make more than six monthly electronic transfers from each Money Market or 50 Plus type account.  See the Transfers FAQ for more information regarding transfers.

    • If I make a transfer between my SELCO share, loans or accounts, how soon are my funds transferred?

      Online Banking operates in real time, so transactions are reflected on your account immediately.

    • Are there any limits on how many times a day I can log on to Online Banking?

      There are no limits on how often you can use Online Banking.

    • If I provide my email address through Online Banking, what will you use my email address for?

      We'd like to have your current email address on record as a way of notifying you regarding important account information. From time to time, with your permission, we may also send you notifications regarding special offers or other information. We respect our Members' privacy, and will never sell or give your email address to anyone.

    • Can the joint owner on my account use Online Banking?

      Yes, joint owners can access the account in the same way that you do. Please note that there is only one password allowed per SELCO account, so if you wish for your joint account holders to have Online Banking access, you must give them your password and with the answers to your security questions. SELCO will only be able to assist with joint owner access to Online Banking if the joint owner is an owner of all shares and loans associated with that specific account number.

    • Why can't I log on successfully?

      You may be locked out. As a security feature, if you unsuccessfully attempt to log on to Online Banking 3 times, access will be denied for your account. This is to prevent someone from trying to guess your password. If you are having difficulty logging on, please call the Service Center at 800-445-4483 during business hours or click on the "Forgot Password?" link on website to unlock your account.

    • Which accounts can I access with Online Banking? 

      You can access all of your SELCO accounts. 

    • Does Online Banking support downloading account history into Quicken or QuickBooks? 

      Yes, Online Banking supports the current version of Quicken and QuickBooks plus the two previous versions for downloading your account history. 

    • Does Online Banking support transfers, sending emails or sending bill payments via Quicken or QuickBooks? 

      Online Banking supports the download of statement data via WebConnect which does not allow for sending of messages, performing transfers or sending bill payments.  

    • Where can I find additional information or get assistance with Quicken or QuickBooks? 

      You can visit Intuit's web site at Quicken Help and Support

  • Bill Pay

    • What is Online Banking Bill Pay?

      Online Banking Bill Pay allows you to pay bills or make other payments from your SELCO accounts. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere in the world.

    • What does Bill Pay cost?

      Bill Pay is free.

    • How do I access Bill Pay?

      Log in to Online Banking from SELCO's home page at Once you've logged in, click on the Bill Pay menu. 

    • What do I need to use Bill Pay?

      You can make Bill Pay payments using a SELCO checking account. You will also need internet access and a browser that meets our minimum requirements. Acceptable browsers include Internet Explorer 8, Firefox 8, and Chrome 15 or higher.

    • How do I enroll?

      If you used Bill Pay in the old Online Banking system, you are already enrolled. If you have never used Bill Pay before, it's easy! Simply log in to Online Banking and click on the "Bill Pay" menu. On your first visit you will be asked to enroll. An enrollment screen will be displayed with a link to the Bill Pay Terms and Conditions. Once you agree to the Terms and Conditions, you can begin adding payees and making payments immediately.