FAQs

There are two types of cookies: persistent 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.

To disable the "Accept Cookies" warning in Firefox
1. Click on Tools, then Options.
2. Click on the Privacy 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 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 expanded 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.

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 $25.00 fee as shown in the SELCO Rate and Fee Schedule.

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.

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.

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

Any type of computer that can access the Internet
The current version (or two previous versions) of Internet Explorer, Firefox, or Chrome. Safari is only supported on OS-X 10.10 and above.
An active account with SELCO Community Credit Union
A valid and accessible email address on file with us.

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.

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 theselco.org website to unlock your account.

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.

To send a US Domestic Wire from your SELCO Account you will need the following:

Sender's Information

• Sender's name
• Sender's telephone number – include a number where the sender can be reached to verify instructions, as processing may be delayed if we're unable to verify the request.
• SELCO member number
• SELCO account number to debit
• Outgoing wire transfer amount in U.S. dollars

Beneficiary's or Receiver's Information

• Routing Number of receiving bank
  • If you are unsure of the routing number, contact the receiving bank to get the appropriate incoming wiring instructions.
• Name of bank receiving the wire transfer
• Address of bank receiving the wire transfer
• For each wire transfer beneficiary provide the:
  • Bank or loan account number to deposit funds.
  • Name of the beneficiary on the account
  • Address for the beneficiary on the account
• Comments or special instructions to transmit with the outgoing wire, if applicable
  • These include: "to the attention of" instructions, or invoice, purchase order or reference numbers. The beneficiary should tell you if any of these fields are needed.

To send an International Wire from your SELCO Account please gather the following information:

Sender's Information

• Sender's name
• Sender's telephone number – include a number where the sender can be reached to verify instructions, as processing may be delayed if we're unable to verify the request.
• SELCO member number
• SELCO account number to debit
• Outgoing wire transfer amount in the foreign currency desired, such as Euro or Yen. Please note that SELCO will complete a currency conversion to the local currency of the beneficiary prior to sending the wire, unless the beneficiary account is specifically a U.S. dollar account.

Beneficiary's or Receiver's Information

• Sort Code, International Bank Account Number (IBAN), SWIFT Code, or CLABE. The beneficiary should be able to provide one of these identification numbers to you.
• International bank name and address
• Bank or loan account number to deposit funds
• Name, address, and citizenship of all beneficiaries or recipients of the wire transfer
• Purpose of payment – this is required for wires going to foreign countries. If this information is not provided, the financial institutions may withhold wired funds due to lack of information, take a research fee from the wire before crediting the account, or possibly return the funds. Providing all information about the beneficiary and the purpose of the wire will help avoid wire delays.
• Comments or special instructions to transmit with the outgoing wire, if applicable
  • These include: "to the attention of" instructions, or invoice, purchase order or reference numbers. The beneficiary should tell you if any of these fields are needed.

In order to receive a wire transfer into your SELCO account, you’ll need the following information:

• SELCO’s ABA/Routing number: 323274445
• SELCO’s information in the “Wire To” address, also referred to as the “Beneficiary Financial Institution” line. You’ll want to use:
  SELCO Community Credit Union
  1050 High Street
  Eugene, OR 97401
  Phone: 800-445-4483
• In the “Beneficiary” field, include:
  • Your account number
  • The name of the account holder
  • The address listed for the account
• Any other relevant information can be included in the “Reference” field.

Please note that SELCO does not offer a SWIFT Code or IBAN for international wires.

• Many institutions may be involved in the transfer of foreign currency.
• Outgoing wire transfer requests received Monday – Friday, before 2:00pm PST, will generally be processed the same day. International U.S. dollar wires requested after 2:00pm PST will be processed the next business day. Foreign exchange wires require more time to process due to exchange rates.
• Domestic wires can take up to 72 business hours. Foreign exchange wires may take up to 14 calendar days to post.
• If the full wire transfer amount has not been received on or after 14 calendar days, you can submit a notice of error.

Need help completing your request? Contact us today.

Protecting our members is a top priority. That’s why SELCO consistently monitors card transactions for suspicious activity. If we identify suspicious activity, we may stop service to your card or decline a transaction until we can contact you to verify the validity of the charge. When we have been notified of an identified fraud incident, we also may temporarily deny specific types of transactions or regions for short periods of time.

In order to limit the disruption to your card, we ask that you let us know if you anticipate a transaction that is outside your normal pattern of use. This often occurs when traveling, on vacation, or making large purchases. When we’re aware of your plans, we can get the necessary contact information in the event Visa®’s Fraud Prevention Services need to verify card activity.

Should Visa Fraud Prevention Services contact you, responding quickly will allow us to resolve the issue in a timely manner. Visa Fraud Prevention Services will verify your identity, but they will never ask you to provide information such as your SELCO Account Number, full card number, PIN, or complete personal data such as a full SSN.

Please contact us at 800-445-4483 or Secure Message if you have questions regarding a transaction, or if you need to report a lost or stolen card.

Whether you are traveling for business or pleasure, consider using a blend of two to three payment options to help ease the probability of fraudulent charges.

It’s always wise to have a set amount of cash on hand when you travel. When traveling outside of the U.S., getting currency from an ATM when you arrive will most likely garner the best currency conversion rate.

• There are a variety of ATMs in the U.S. and abroad. SELCO participates in several surcharge-free networks, allowing you to pull out cash without having to pay a pesky fee.. Plan ahead and visit our ATM locator service to find a convenient ATM in the area where you will be traveling.
• Using a debit card is a safer alternative than carrying large amounts of cash or several gift cards. Secure access to your funds is one of the many benefits of your SELCO Visa debit card.
• Currency conversion rates are more favorable when made with your SELCO Visa Platinum Card or debit card. This is true – even with the 1% currency exchange fee.
• Before using your debit card as a payment for a hotel or car rental reservation, we recommend you ask whether a hold or freeze will be placed on your card. Some hotels and car rental companies hold or freeze funds for up to 10 days, which could result in a lack of access to your checking account funds.
• Visa’s Zero Liability Policy applies to transactions made with your debit card. SELCO monitors transactions for suspicious or fraudulent activity, and will ensure you are not adversely affected by fraudulent transactions.

Pre-paid Visa Gift Cards can be purchased at any SELCO branch location for $2.50. Pre-paid Visa gift cards can be purchased and loaded for any denomination between $10.00 and $1,000.00.

• Visa gift cards can be used anywhere Visa debit cards are accepted in the U.S.
• Visa gift cards can serve as a “back-up” in case your ATM, debit card, or credit card were lost or didn’t work for some reason.
• Please note that Visa gift cards cannot be used outside of the U.S. or at an ATM.
• Register your Visa gift card before traveling in the U.S. Registering your card allows member services to locate your card and send you a replacement card in the event that your card is lost or stolen.
• Manage your card online at myprepaidbalance.com or call 866-496-6183.

Credit cards are a convenient payment option that may be used during trips.

• One of the primary benefits of using a credit card on trips: If there is fraudulent use against your card, it will not affect your checking account.
• Currency conversion rates are more favorable when made with your SELCO Visa Platinum Card or debit card. This is true – even with the 1% currency exchange fee.
• Your transactions are covered by Visa’s Zero Liability Policy. SELCO monitors transactions for suspicious or fraudulent activity, and will ensure you are not adversely affected by fraudulent transactions.
• SELCO Visa Platinum card offers travel emergency assistance, travel accidental death insurance, and warranty manager service.

Debit and credit cards based on EMV technology use an embedded microchip (instead of a magnetic stripe) to store data and are considered almost impossible to clone for fraudulent purposes. Because of the embedded microchip, EMV technology is also commonly called “Chip” or “Chip and PIN” technology. Though the rest of the world moved to EMV technology years ago, the U.S. has lagged behind mostly due to the expense and difficulty of upgrading existing equipment. As of 2014, there were more than two billion Europay, MasterCard, Visa, and Discover EMV-compliant chip-based payment cards in use worldwide. Visa, MasterCard, American Express, and Discover have placed a timeline for U.S. adoption, in the form of liability shifts, which has quickened the pace at which merchants and card issuers have adopted EMV capabilities.

Chip cards are essentially miniature computers with an operating system, multiple interfaces, and applications that process information through an embedded microprocessor and a gold- or silver-colored contact plate on the front of the card. EMV cardholders insert their card into the reader, starting a dialogue between the card and terminal that validates the card, terminal, and issuer through an exchange of cryptograms, creating a more secure transaction.

For merchants that are chip-ready, simply insert and leave your card in the payment terminal until the transaction is complete. On-screen prompts will guide you through the process.

For merchants that aren’t yet chip-ready, you’ll swipe your card as you normally would (your new card will have a chip and magnetic stripe).

SELCO Card Manager lets you manage your cards using a variety of controls. You can:

• Turn your card off (which blocks all transactions, except for recurring payments, deposits, or credits), and turn it on instantly when you’re ready to make a transaction.
• Set the location where a transaction can take place.
• Set the type of transactions allowed.
• Set the type of merchants allowed.
• Set the spend limit (maximum dollar amount your card can be used for).

There are several things you can control in the app:

• Personal information (phone number, email address). Note: Changes made in SELCO Card Manager only apply to the app. To make changes to your account, use Online Banking or talk with a SELCO team member.
• Set “Do Not Disturb” times (times you don’t want to receive alerts)
• Change your password
• Set up a passcode
• On iOS devices, enable Touch ID for logging in to the app
• Set the primary device for a card

• ATM Locater
• A message screen showing all transactions and account alerts sent to the user’s phone
• SELCO’s contact information
• Terms and Conditions
• Privacy Policy
• Help screen

Yes, you can, but there a few things to note:

• Control Preferences apply to the card, not the cardholder. Cards with a shared card number cannot have different Control Preferences for each cardholder. For example, if one user turns their card off, all other cardholders’ cards with that shared number will be turned off. Or if one user has set a spending limit of $5 per transaction, all other cardholders will be restricted to that limit. With cards that share a card number, the most restrictive Control Preferences will always take precedence. When one user changes a Control Preference, an alert is sent to other shared cardholders using the app.
• “My Location” on cards with a shared card number will set to the most recent user’s Control Preferences (the last person to choose “My Location” for location-based control).
  • Card transactions made at merchant locations in the vicinity of the last saved “My Location” are allowed. Card transactions outside the saved location would be denied.
  • For Platinum Visa® or HELOC Gold cards with joint owners, we recommend using the “My Region” setting in place of “My Location.” Within “My Region,” you can define a geographical area where both cardholders would use their card.
• Alert Preferences can be unique to each cardholder. While Control Preferences are shared, each user can set up his/her own separate Alert Preferences. The user will receive alerts based on their individual Alert Preferences. One exception is that all users will receive alerts for denied transactions.
• When a user stops managing a card with a shared number or unsubscribes from the app, an alert is sent to all other users who have registered or added the same card.

Follow these simple steps to register (you’ll need the last 4 digits of the primary account holder’s SSN):

Download the app to your mobile device.
Once the download and installation are complete, open the app and tap “New User.”
Follow the instructions to complete your registration. In the account number field, enter your SELCO member ID number.

By default, you will receive an alert for all transactions. You can adjust these alerts to receive only those you want by selecting “Alert Preferences” for the each card you want to manage. Just like the Control Preference categories, alerts can be set based on location, type of transaction, type of merchant, and transaction spend limit (amount). For maximum flexibility, alerts are sent based on your Alert Preferences, which are independent from your Control Preferences. This gives you greater flexibility in managing your preferences.

You can call us at 800-445-4483, chat with us during work hours, email us using this form, or visit a local branch.

When you enter your card data into Apple Pay, Android Pay, or Samsung Pay, your card number is translated into a 16-digit “token” in a process called tokenization. This token is a unique number that can’t be transferred to or used by another device. Your phone stores and transmits only the token to the merchant’s point-of-sale terminal, and the token can be decoded only by the card processor. This protects your real card number by leaving it out of the transaction entirely. In addition, your phone may rely on biometric authentication (your fingerprint) or a PIN, so only you can initiate a payment with your device.

Yes. We continuously monitor emerging card enhancement technologies and work to ensure our cards have the latest security and convenience features. We also provide SELCO Card Manager, a free mobile app that puts you in complete control of when, where, and how your SELCO credit and debit cards are used. With SELCO Card Manager, you can instantly turn your card off or on, limit use by location or merchant type, create spending alerts, and more—all from your phone.

• A valid government-issued photo ID (driver’s license, photo ID card, military ID, or passport, or foreign government-issued photo ID).
• Proof of current address. (If your current address is on your ID card, you’re all set. Otherwise, you’ll need a credible proof of address, such as a utility bill, rental or mortgage contract, last month’s paystub, university transcript for current term, mortgage document, or mail from DMV.)
• A valid government-issued photo ID. (If you’re a parent opening a Safari or Vault account, you’ll also need your child’s SSN.)