Having trouble receiving an authentication code to access digital banking? If you’re using the mobile app, please try having SELCO call you with the code or have the code emailed to you.
We’ve expanded our financial resources to include some new and improved tools, available from your dashboard and integrated with your account history:
You can even customize your dashboard to prioritize which tools you’d like to use on a regular basis.
SavvyMoney is a free, comprehensive program available through digital banking (online and mobile) that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up-to-date offers that can help reduce your interest costs or lower your monthly payments.
With this service, you’ll find a list of current or previous loans, accounts, and credit inquiries, and see details on your payment history, credit utilization, and public records that show up on your account. In addition, SavvyMoney monitors your credit report daily and informs you through digital banking and by email if there are any big changes detected, such as:
As long as you regularly access digital banking, your credit score will be updated every seven days and displayed within your digital banking screen. You also have the ability to refresh your credit score every 24 hours by clicking “Refresh Score.” This is done by navigating to the detailed Credit Score Dashboard from within digital banking.
SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
No. SELCO does not have access to your credit file unless you share it with us. However, if you would like to share your credit report with your financial institution or any trusted party, you can easily download your SavvyMoney credit report by navigating to the “Credit Report” tab and clicking “Download Report” within digital banking.
SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
SELCO does not have access to your credit file unless you share it with us. However, if you would like to share your credit report with your financial institution or any trusted party, you can easily download your SavvyMoney credit report by navigating to the “Credit Report” tab and clicking “Download Report” within digital banking.
No. Checking your credit score and report is always a “soft inquiry,” which does not affect your credit score. Typically, lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.
Yes. After you have enrolled in Credit Score for the first time, SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile. When applicable, you can also find these monitoring alerts within your digital banking account.
Yes. In the “Resources” tab under “Profile Settings,” you can choose which email notifications you want to receive, including credit monitoring alerts, monthly notices, and general messages.
We’re sorry, but investment accounts can’t be linked to the Financial Wellness tools at this time.