My Account

Frequently Asked Questions

Your savings/checking/loan ID is a two-digit number that follows your account number. A common savings ID is 01 and a common checking ID is 10. However, if you have multiple saving, 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.

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.

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 website to unlock your account.

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.

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

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 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.

As a security feature, if you unsuccessfully log in three times, your account will be restricted from online access. (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. 

Contact Us