FAQs

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.

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.

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.

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.

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.

Please refer to the Courtesy Pay Information Sheet.

An optional service that helps avoid overdraft fees by automatically transferring funds from a savings account or SELCO Platinum Visa to a checking account when there aren’t sufficient funds to cover a transaction. A $3 transfer fee is assessed when overdraft protection is used. Contact us to learn more or enroll.

You'll need your routing and account numbers to set up direct deposit or an electronic tax refund. The routing number is the 9-digit number found in the lower left of your checks, in online banking, and on the mobile banking app. SELCO's routing number is 323274445, which is the same for every SELCO member. Your 14-digit account number is located in the lower middle of checks, and also can be found in online banking and the mobile app.

In online banking, log in and click the green “Routing & Acct Numbers” button in the “Balances” window to view your full 14-digit account number(s) and routing number. Note, you’ll need to answer a security challenge before the information will appear.

In mobile banking, select “Routing & Acct Number” from the Main Menu to view your full 14-digit account number(s) and routing number. Note, you’ll need to answer a security challenge before the information will appear.

You can also find the routing number at the bottom of every selco.org page. Also, remember that each account has a unique 14-digit account number.

Your member number (ranging from 3-7 digits, zeroes not included) is located in the upper right of your monthly eStatement or paper statement.

If you can't locate your member number, feel free to call us at 800-445-4483 and we'll help you look it up.

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.

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.

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.

SELCO 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 savings account, secondary savings account, or money market account.

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.

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 the selco.org website to unlock your account.

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.

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.

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.

Available through the SELCO Mobile Banking app, SendMoney is a fast and secure way to transfer funds to a person or merchant outside of the credit union. All you need is the other party's email address or phone number.

Before initiating a transfer: We recommend that you confirm the intended recipient has created a PayPal account, and verify the email address or phone number associated with the recipient’s PayPal account. It is your responsibility to ensure transfers are correctly directed to the intended recipient.

Once you’ve confirmed the information above, just follow these steps:

1. Select SendMoney from your home screen.
2. Accept the Terms and Conditions (if it's your first time using SendMoney).
3. When the SendMoney screen appears, select “Send.”
4. Fill in the required fields and select the transaction type. (If you're sending to a friend, there won't be a transaction fee.)
5. Make sure you’ve entered the recipient's email address or phone number correctly before clicking “Done.”
6. You’ll have another chance to review your transfer before sending.
7. Tap “Send” to finalize and send your funds.

SendMoney is free to all SELCO members.

You'll need a SELCO account and the latest version of the SELCO Mobile Banking app.

Nope. SendMoney lets you send money directly from your SELCO account. However, your recipient will need a PayPal account to claim the sent funds.

If your recipient has a PayPal account, the funds will appear immediately—just as if you handed over cash. So, once the funds are claimed, you’ll need to contact the recipient directly to request a refund. If the funds have not been claimed and the transfer status reads “Pending,” you may be able to retrieve your funds. To see the status of your transfer, open SendMoney, then click “History.”

Canceled transfers, if refunded, will be credited to your account within two business days.

Your daily limit is set by account service level. If your account is enabled for SendMoney, the transfer range is from $100–$500 total per day. There is a $1 transfer minimum. Additional limitations may apply.

The funds are withdrawn from your account immediately.

The recipient will receive an email or text saying the funds are available. Your recipient must then log in to PayPal (or create a PayPal account if one isn’t already set up) to claim the funds. You’ll also receive an email confirming the transfer.

If the recipient already has a PayPal account, the funds will be available immediately. If the recipient doesn’t have a PayPal account, the funds will be available as soon as an account is created (this process takes only a few minutes). The recipient can then spend the money online or transfer it to a credit union or bank account. Transfers from a PayPal account to a credit union or bank account may take up to three business days.

If your recipient doesn't claim the funds within 30 days, the transfer will automatically be canceled and the funds returned to your account.

Click “History” to view your SendMoney transfers. You can also see them on your monthly statement and in SELCO Online Banking.

Call us at 800-445-4483. We'll be happy to help.

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 (Please note that we cannot use PO Boxes)
• 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.

Card Manager is a free mobile app for SELCO Community Credit Union members. Use it to manage spending and secure your cards from potential fraud right from your device. Download it to your phone or tablet through the Apple App Store or Google Play.

Unfortunately, existing card controls will not transfer over to the new app (available in the Apple App Store and Google Play). Once you download the new app, you will need to add your SELCO credit and debit cards and reset any alerts or controls that you would like to continue using. Before the app is available, we recommend taking note of any current card controls and alerts that you have set up so you can easily set up your preferences in the new app.

Note: The new app will include many of the same features as the old app, but the new app will no longer support the ability to control your card based on your device’s GPS or limit card use by lesser-used merchant types.

The new app includes the most popular features you’re accustomed to, plus a brand-new travel notice feature.

• 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.
  
• Limit card use to only gas stations.
• Set the spend limit (maximum dollar amount your card can be used for).
• Decline online, international, or ATM transactions.
  

In addition to these familiar features, the new app will include the ability to set travel notices for your upcoming trips. With this feature, you can let us know when you’re traveling to avoid inaccurate card declines based on the purchase location.

The new app will no longer support the ability to control your card use based on your device’s GPS or limit card use by lesser-used merchant types. However, there are plenty of ways to stay on top of transactions as they happen through the app’s comprehensive alerts. Receive notifications by text, email, or push notifications for any of the following:

• Transactions over a certain amount
• Online or phone transactions
• International transactions
• Anytime your card is declined
• Card used at a gas station
• ATM withdrawals
• When your balance drops below a certain amount

Within Card Manager, you can update the information listed below by selecting “Settings," then clicking “User Profile”:

• Personal information (phone number, email address). Note: Changes made in Card Manager only apply to the app. To make changes to your SELCO account, use online banking or speak with a SELCO team member.
• Changing your password.
• Enable Face ID (on iOS devices) and Fingerprint ID (for Android devices) for logging in to the app.

In addition to offering you complete control over your SELCO cards, the app also provides:

• Links to locate a branch or ATM nearby
• 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

As soon as you realize your card is lost, open Card Manager and turn your card off by selecting “Card Controls” then tapping “Suspend Card.” When your card is off, it cannot be used to make a purchase. If you find your card, log back in to the app, select “Card Controls,” and under “Suspend Card,” swipe in the other direction to turn your card on, and you’ll be ready to use it again.

If you can’t locate your card, make sure to let us know by calling 800-445-4483 so we can issue you a new card.

By default, you will receive an alert for all transactions. You can adjust these alerts to receive only those you want by selecting “Alerts” for each card you want to manage. Alerts can be set based on the following transaction types:

• Transactions over a certain amount
• Online or phone transactions
• International transactions
• Anytime your card is declined
• Card used at a gas station
• ATM withdrawals

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.

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.

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.)