Mobile Banking FAQ

Getting Started

How do I download the Mobile Banking app?

SRI Federal Credit Union’s mobile banking app is available in both the App Store for iPhones and iPads and in Google Play for Android phones. Type “SRI Federal Credit Union” in the store’s search bar to easily pull up the app for download.

What is my username and password?

Upon downloading the app, you will be able to enroll online and select a username and password. You will need to select “New User” even if you are currently enrolled in online banking.
Passwords must contain:

• 8 characters
• at least 1 uppercase letter
• at least 1 number
• at least 1 special character such as !, $ or ?

How do I select a PIN login?

Log in to the mobile app with your username and password. Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon. You can choose to use a pin number instead of a username and password combination from the Settings menu. Tap on the Enable Pin Login option to set a 4-digit PIN.

How do I configure Auto-Login?

Log in to the mobile app with your username and password. Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon.  You can then select Auto-Login.  This will allow you to view your balances without having to login, however, if you move to a screen where money is actually being moved, you will be prompted for your login credentials.

What if I forget my username and password?

If you forget either sign-on credential, tap on “Reset Password” at the bottom of the app’s sign-on screen and follow the steps to retrieve your username or reset your password.

 Using the App

How do I view my SRI Federal Credit Union accounts?

The Accounts section of the mobile banking app displays all of your SRI Federal Credit Union accounts – from savings accounts to loans to credit cards. Tapping on an account name will load recent transactions for that account below your account list.

How do I set a nickname for my account?

Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon. Tapping the icon will allow you to personalize your mobile banking experience with options such as setting a start page and assigning a nickname to your account. That nickname will be used throughout the app to reference the account.

How do I transfer funds between my SRI Federal Credit Union accounts?

Use the Transfers section to transfer funds from one account to another. You can schedule transfers to occur in the future. You can only transfer funds to and from your own accounts inside this function. You can transfer money to an account at another financial institution through the External Transfers section and/or Pay Someone section of the app.

Electronic Deposit Time Frames

Type of Electronic Deposit	Product Name on Online banking	Deposit time frame
Member to Member (M2M)	Member to Member	Real time
Person to Person (P2P)	Pay Someone	Next business day
Account to Account (A2A)*	External Transfer	2-3 business days
Bill Payment**	Bill Pay	Up to 7 business days

*Account to Account has a setup period that can cause the initial deposit to be delayed by 1-2 business days.
**Bill Payments can take up to 7 business days depending on what method they are sent out (paper check or electronic transfer).

Can I take a loan advance?

Loan advances can be taken only from revolving lines of credit (Visa Credit Cards and Home Equity Lines Of Credit).

How do I deposit a check using my mobile app?

To deposit a paper check into your account, select “Deposits” from the drop-down menu and click on “New Deposits” Select the account you wish to deposit to and enter the check amount. Tap on “Take Photo” (Please remember to capture the front and back of the check) click “Submit” to complete the deposit.  Please note it is best to take a photo of a check against a dark background. Limits on a per deposit, per day, and per month basis apply and vary based on your membership history with the credit union. If you need your limits increased, please contact us! Checks deposited Monday - Friday (except Holidays) before 4:00 pm PST will be credited to your account by 5 pm PST on the same business day. All other deposits will be credited to your account on the next business day.

Can I make a payment to my SRI Federal Credit Union credit card?

Yes, you can make a loan payment by performing a transfer from one account to your Visa credit card account.

Can I make a payment to my SRI Federal Credit Union loan?

Yes, you can make a loan payment by performing a transfer from one account to your loan account.

How do I request a stop payment?

If you need to stop a payment made of a check you’ve written, select “Stop Payment” from the mobile banking drop-down menu. A Stop Payment fee will be charged for this service (review our Fee Schedule for most up-to-date fees).

How do I set up alerts?

The Alerts section provides several options for keeping you up to date on your accounts. First, enter the email address or cell phone number where you want the alerts sent. You can choose from “Security Alerts” and “Account Alerts”.

Can I contact the credit union through the app?

A “Contact” icon is available on both the mobile banking app homepage and within the app’s menu. You can call or email us from the app. You can also call to report a lost or stolen debit or credit card.
*NOTE* you will need an email account configured on your device in order to email straight from the app.

 General Information

What is the mobile app?

SRI Federal Credit Union’s Mobile App is a free application designed for iPhone, Android and iPad.

Where is the mobile banking app on my phone?

The download destination of the mobile banking app can vary between devices and carriers. Please check your device’s manual or carrier for guidelines about your specific device.

Is mobile banking secure?

Yes, mobile banking is as secure as online banking and uses a number of the same security features, such as HTTPS and 128-bit SSL encryption. In addition, a username and password are needed to access the app.

Is my account information stored on my phone?

No compromising data or account information is stored on your device. However, with text banking, be sure to delete any text messages that may contain balance information you do not wish to keep on your phone. Also, please note, that if you have auto login configured on your device and it is lost or stolen, someone can open the SRIFCU app on the phone and see your balances.

Do I need a data plan to use the mobile app?

The SRI Federal Credit Union mobile banking app does require an Internet connection to access your account information. Some devices can access the internet through Wi-Fi or a data plan through your wireless provider. Please check your device for connectivity options or wireless carrier for specific data plan availability and fees. Text banking requires eligibility through your mobile provider. SMS rates may apply.

 For additional help call us at (800) 986-3669 or stop by our branch.