What are overdrafts and how does Courtesy Pay work?
An overdraft occurs when your available balance is not enough to cover a transaction but SELCO authorizes and pays for it anyway.
We use your available balance to determine whether there are sufficient funds in your account to cover any transactions. Your available balance is your actual balance minus:
- • Holds placed on deposits.
- • Holds on debit card or other transactions that have been authorized but are not yet posted.
- • Any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders.
Your actual balance reflects all deposits and posted payment transactions. We don’t use your actual balance to determine whether your account contains sufficient funds to pay an item since it doesn’t reflect checks you’ve written that are still outstanding or transactions that have been authorized but are still pending.
SELCO’s Standard Courtesy Pay service comes with your checking account and covers overdrafts from checks and other transactions made with your checking account as well as recurring transactions scheduled for payment with your SELCO debit card.
SELCO’s Expanded Courtesy Pay covers overdrafts from ATMs and one-time SELCO debit card transactions. Expanded Courtesy Pay service is available only if you qualify and opt in.
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Which Courtesy Pay privileges come with my SELCO Checking account and which one do I need to opt in to?
SELCO automatically provides Courtesy Pay to qualifying members for checks, Automatic Clearing House (ACH) transactions, and recurring payments made with your SELCO VISA debit card. You must opt in to Courtesy Pay for one-time transactions, such as ATM, Point-of-Sale (POS), and debit transactions.
How do I opt in to SELCO's Expanded Courtesy Pay service?
To opt-in to Expanded 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.
Why would I want Courtesy Pay for my Checking account?
Courtesy Pay can save you money and hassle, since it covers transactions that would otherwise be rejected for exceeding your available balance. If you have Courtesy Pay and a check, Automatic Clearing House (ACH) transaction, or recurring bill payment overdraws your account, SELCO will pay it on your behalf for a $25 fee. This way, you won’t be charged Nonsufficient Funds (NSF) fees by merchants, contacted for the collection of a returned check, ACH, or recurring bill payment, or added to NSF tracking systems.
If you elect Expanded Courtesy Pay, you can avoid the inconvenience of having your one-time transactions denied at an ATM or merchant. Your transactions will be authorized up to your available Courtesy Pay limit. As with Standard Courtesy Pay, SELCO will charge a $25 fee to pay the transaction if it overdraws your account.
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How much will Courtesy Pay cover?
Courtesy Pay will cover up to $300 in combined overdrafts and fees. This may be increased to $500 if you have direct deposit with SELCO.
Can I have Courtesy Pay on more than one SELCO Checking Account?
Yes. You’ll automatically have Courtesy Pay on any personal SELCO Checking account for checks, Automatic Clearing House (ACH) transactions, and recurring payments using your SELCO Visa debit card. You can also opt in to Expanded Courtesy Pay, which covers one-time debits, such as ATM, Point-of-Sale (POS), and purchases you sign for using your SELCO Visa debit card.
Can I change my mind if I no longer want Courtesy Pay?
Absolutely! Just let us know by calling 800-445-4483, sending us a secure message through online banking, or stopping by your local branch. You can also opt in anytime, 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 previous overdrafts. Your Courtesy Pay balance must be paid in full as soon as possible. Each Courtesy Pay transaction will be assessed a $25 fee. Fees are subject to change. Please consult SELCO’s Rate & Fee Schedule for details.
Does SELCO offer overdraft protection in addition to Courtesy Pay?
We also offer additional overdraft protection options, such as a link to a savings account, line of credit, or your SELCO Visa, which may be less expensive than Courtesy Pay. Contact us to learn more.
Where can I find more information about Courtesy Pay?
What is my Routing Number?
The Routing Number is the 9-digit number in the lower left of checks. SELCO's routing number is 323274445.
It can also be found in the footer at the bottom of every selco.org page.
What is my Account Number?
The Deposit Account Number is the 14-digit number in the lower middle of checks.
You can also find your account number by logging into online banking. Click on 
next to your account, and then select "Account Details" from the pop-up menu.
Where do I find my share/checking/loan ID?
Your share/checking/loan ID is a two-digit number that follows your account number. A common share ID is 01 and a common checking ID is 10. However, if you have multiple share, checking, or loan accounts, you’ll also have multiple IDs.
To locate a specific two-digit ID, log in to online banking and select “Accounts” from the top menu. Each of your accounts, along with their IDs, will be listed in the Balances section.
Note: You’ll also notice a letter before each ID; when requesting a transaction, please include only the numbers.
If you want to transfer money to another SELCO member, please contact the member directly for the correct ID number.
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.
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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
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.
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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 page on 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.
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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 the selco.org website to unlock your account.
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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
Do I need to be a SELCO member to use mobile banking?
Some features, such as our branch locator, are available to everyone. Account features, however, require membership. If you aren't already a member, it takes about five minutes to apply through our online membership application. Wondering, "Why pick SELCO?" We’d love to tell you.
Is there anything else I need to use mobile banking?
Nope. And once you're enrolled in mobile banking, you'll automatically have access to online banking and its features as well.
What can I do with mobile banking?
In addition to viewing your accounts, transaction history, and check images, you can schedule bill payments, transfer funds, deposit checks, send money to family and friends, apply for a loan, and locate SELCO branches and no-fee ATMs.
How secure is mobile banking?
Very. Not only do we use multiple firewalls and submit to frequent external security audits, we also use SSL encryption to communicate securely with all services. At every turn, we have systems in place to protect your accounts, no matter how you choose to access them.
Where can I find more information about mobile banking?
Check out our anywhere banking page for a list of mobile and online banking features. To learn more about the mobile banking app itself, visit our apps page. If you can’t find what you’re looking for, feel free to call us at 800-445-4483.
What mobile operating systems does SELCO have an app for?
Our app is compatible with current iOS and Android operating systems. For all other operating systems, our mobile browser version includes a responsive design developed for smaller screens.
What should I do if I'm having a problem with the app?
Call us at 800-445-4483. We’ll be happy to help.
Why can’t I log in?
After three unsuccessful log in attempts, your account will automatically be locked. (This is to prevent someone from trying to guess your password.) To unlock your account, click the “Forgot Password” link and follow the instructions. You can also contact us through live chat or by calling 800-445-4483 and we’ll help reset your password.
The login screen asks for a "User ID" but I don't remember setting one up. What is it?
Your User ID is the same as your member ID number.
I keep getting a “session timed out” message on my Android device after logging in?
This is due to a developer options setting on your device, but it’s easy to fix:
- Go to Settings.
- Select “Developer options.”
- Disable the “Don't keep activities” or “Immediately destroy activities” settings.
Can I access my SELCO accounts through the Apple Watch?
Yes. If you are enrolled in SELCO’s mobile banking, you can view your accounts and transaction history on your Apple Watch. From your Apple Watch compatible iPhone, open the Apple Watch app and select SELCO from the list of available apps.
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How do I create my user ID?
If you’re an existing member, you’ll be prompted to create your user ID after logging in to online banking (using your browser). Though you'll have the option to skip this step, we encourage you to create a user ID as soon as possible, since it will eventually be required. When you’re ready, please follow the “Can I change my user ID in the future?” process below.
If you’re a new member, you’ll create a user ID when you enroll in either online or mobile banking.
Will my user ID be used to access both online and mobile banking?
Yes! You'll be able to access your online and mobile accounts with the same user ID, just like you do now with your member number. As a reminder, you’ll need to go through online banking to create your user ID.
Can I create or update my user ID in the mobile banking app?
Unfortunately, no. However, you can use your phone’s browser to create (or update) your user ID. Once your user ID is established, you’ll use it to log in to both online and mobile banking.
Can I change my user ID in the future?
Absolutely. To update your user ID, log in to online banking, click the "My Profile" icon in the upper-right corner, then select “Change User ID.” At this time, user IDs cannot be created or updated in the mobile banking app.
What are the user ID requirements?
Similar to password requirements, your personalized user ID must:
- • Begin with a letter.
- • Include at least 1 number.
- • Contain 6-15 characters (but not symbols or special characters). Note: User IDs are not case-sensitive.
- • Be unique (no two memberships can have the same user ID).
- • Not include personal data, such as your Social Security number, mailing address, or date of birth.
What if I forget my user ID?
Simply click "Forgot User ID" on the login screen. You'll be asked to verify your account, after which your user ID will be sent to the email address associated with the primary account holder.
How frequently can I change my user ID?
You can change your user ID as often as you’d like, though it’s important to create user IDs that you can easily recall.
How long can I keep using my member number?
To accommodate this change, we are providing a grace period. Though we encourage you to create a user ID as soon as possible, since it will eventually be required.
Why are you switching to user IDs?
We’re making this change for two reasons: First, because we heard from members that they wanted the ability to create more personalized logins. Second, because it provides a more secure online banking experience.
After I create a user ID, will I still need my member number?
Yes. While you’ll no longer use your member number to log in to online or mobile banking, you’ll still need it for account verification and other uses.
If I have multiple memberships, do I need to create a user ID for each one?
Yes, for each membership, you’ll need to create a unique user ID. If you toggle between multiple memberships in online banking (for example, between your personal account and your child’s youth account), you’ll need to log in to each individually to create distinct user IDs.
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 www.selco.org. 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.
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What are EMV cards?
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 US has lagged mostly due to the expense and difficulty of upgrading existing equipment. As of 2014, there were more than 2 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 US adoption, in the form of liability shifts, which has quickened the pace at which merchants and card issuers have adopted EMV capabilities.
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How does EMV—or chip—technology work?
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.
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How will I know if my card is an EMV card or not?
You can identify an EMV card by the gold or silver “chip” on the front of the card. Depending on what type of account you have, you card may look something like this:
How will my payment experience be different with a chip card as opposed to my magnetic-stripe card?
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).
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I’ve heard about the “liability shift” that occurred in October 2015. Does this mean I’m now responsible for fraudulent activity with my payment cards?
No. The liability shift is between the major card brands (e.g., Visa, MasterCard, American Express, and Discover), merchants, and card issuers (e.g., SELCO and other financial institutions). Consumers will continue to enjoy limited liability for fraud activity on their cards.
Will my SELCO Card Manager settings work with the new chip card?
Once your chip card is issued, it will automatically appear in SELCO Card Manager. But since your card has a new number, the app will treat it like a new card, and you’ll need to apply the alerts and settings you want.
What is SELCO Card Manager?
SELCO Card Manager is a mobile app available to SELCO Community Credit Union members. The app allows you to control how, when, and where your SELCO debit and credit cards are used. Download it to your mobile phone or tablet through your Apple or Google Play app store.
How does SELCO Card Manager help me fight fraud?
SELCO Card Manager lets you set limits on when, where, and how your cards can be used. And real-time alerts will let you know exactly when your card is being used. Every step of the way, you’re in complete control.
What kind of controls can I put in place?
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).
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Can I view my card transactions?
It couldn’t be easier! You can view a list of transactions or select a specific transaction to view status, merchant name, amount, and date and time of the transaction, along with other details. You can also tag a transaction with a category (Personal, Family, etc.), as well as attach a short memo to help you remember what the transaction was for.
Can I use SELCO Card Manager for any card, or just for SELCO cards?
SELCO Card Manager can only be used for SELCO-issued debit or credit cards. The app cannot be used for SELCO gift cards, or cards issued by other financial institutions.
What settings can I control in SELCO Card Manager?
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
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What other information can be found on SELCO Card Manager?
- 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
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Who can use SELCO Card Manager?
Any SELCO Community Credit Union member using an Android or iOS (iPhone, iPad, and iPod Touch) operating system can download SELCO Card Manager through their app store. The app is completely free—there’s no initial, monthly, or maintenance fee—and no risk to giving it a try!
I have several accounts with SELCO. Can I manage all my cards on all my accounts using SELCO Card Manager?
Absolutely! SELCO Card Manager requires at least one account to be registered, but additional accounts can be added to your profile at any time.
I am a joint account holder with my spouse. Can we use SELCO Card Manager to control cards we share?
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.
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What happens if I lose my credit or debit card?
As soon as you realize your card is missing, open SELCO Card Manager and turn your card off with a quick swipe of your finger. When your card is off, it cannot be used to make a purchase. If you find your card, a swipe in the other direction will turn your card on, and you’ll be ready to use it again.
What happens if I lose my phone?
SELCO Card Manager uses industry-standard security features and doesn’t store any card information, helping protect you even if you lose your mobile device.
What if I forget my password?
Launch the app, tap on the “Login” button, and then tap on the “Forgot Password” link. An email with instructions for resetting your password will be sent to the email address listed under Settings > Personal Information in the SELCO Card Manager app.
Does it matter what kind of mobile device I have?
SELCO Card Manager is available for devices that use iOS or Android mobile operating systems. To download the app, go to the appropriate app store for your device (Apple Store for iOS or Google Play for Android).
How do I register to use SELCO Card Manager?
Just follow these steps (you'll need the last four digits of the primary account holder's SSN and your six-digit SELCO member ID):
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.
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How do I use alerts to ensure the controls I’ve put in place are working?
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.
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How long until changes to my card settings take effect?
Changes take effect immediately, and can be reversed just as quickly. You can even turn off your card until the moment you present it to a cashier or place an order online.
I need technical help. Who do I call?
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Can I unsubscribe from SELCO Card Manager?
Yes. To unsubscribe, log in to the SELCO Card Manager app and go to Settings > ‘Manage Portfolio’ and deselect all cards; this will automatically unsubscribe you from the service. You may also contact SELCO to unsubscribe.
I received a new card. Will my SELCO Card Manager settings automatically apply?
If your card number stays the same, your settings should automatically transfer to the new card. But if your card has a new number, SELCO Card Manager will treat it like a new card, and you’ll need to apply the settings and alerts you want.
What is a mobile wallet (Apple Pay®, Samsung Pay, Google Pay®)?
Apple Pay, Samsung Pay, and Google Pay are mobile payment services that let users make purchases with just their phone. They enable secure, card-free payments through the combined use of new and existing technologies.
What makes mobile wallets more secure than a plastic card?
When you enter your card data into Apple Pay, Google 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.
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What’s required to use mobile wallet services?
To make payments using mobile wallets like Apple Pay, Samsung Pay, or Google Pay, you’ll need a mobile device capable of supporting that particular technology. You’ll also need to have, and load into the mobile wallet, a credit or debit card from a participating financial institution. Check with your mobile device manufacturer for details on supported devices and institutions.
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Where can I pay using mobile wallet services?
You can use mobile wallet services at a growing number of merchants, and even in some apps. Look for the contactless and mobile wallet logos, or visit your mobile wallet’s website for a complete list of merchants.
Is there a cost for using these mobile wallet services?
Mobile wallets are typically free for consumers.
Do SELCO cards work with mobile wallets?
Yes. SELCO debit and credit cards work with Apple Pay, Google Pay, and Samsung Pay mobile wallets. We’ll add other mobile wallet services as needed. To see if your phone or device is mobile wallet ready, please check with your manufacturer.
Is SELCO working on other ways to enhance credit and debit card security?
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.
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Are skills available for Amazon Echo devices?
Yes. With the SELCO skill, you can ask about branch locations and hours, routing and phone numbers, our website's URL, and rate information. Access the SELCO skill from the Alexa Skills page on amazon.com.
Can I access my SELCO accounts through the Apple Watch?
Yes. If you are enrolled in SELCO’s mobile banking, you can view your accounts and transaction history on your Apple Watch. From your iPhone, open the Watch app and select SELCO from the list of available apps.
What documents do I need to open an account?
- 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.)
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