Less time driving means more time for the things you care about. Access your accounts from home with online banking and bill pay.

  • Free, secure, and easy-to-use service for SMW FCU members
  • Manage a number of banking activities anytime, anywhere with internet access:
    • Access eStatements
    • View account balances and history
    • Transfer funds between accounts (one-time and recurring transfers)
    • Perform external transfers between SMW FCU and other financial institutions*
    • View checks written
    • Make loan payments
    • And more!
  • Security and notification alerts through email or text to notify of potential fraud, low balance, cleared checks, and more
  • Pay one-time or recurring bills with ease:
    • Schedule payments in advance
    • Set up payment reminders
    • Ensure payments are received on time
    • Have all payee information in one convenient place
    • Retain funds until paper drafts are presented for payment
    • Avoid paper clutter
    • More secure than paper billing
  • Make more time for yourself; fewer bank trips necessary
  • Print or download to popular financial management software

How to Enroll

Online Banking

Call (651) 747-1500 to get a temporary password to enroll in online banking.

Online Bill Pay

Enrolling for SMW Bill Pay is free and easy. Follow these simple steps to get started:

  • Log on to your online banking account with your member number and password
  • Click on the "Pay Bills" icon at the top of the page
  • Review and verify all your account information is accurate
  • Click on the "Enroll" button at the bottom of the page

If you have further questions about SMW Bill Pay, you may contact us online or call the 24/7 SMW Bill Pay Support Center at 1-888-918-7627.


Click Here to Enroll

*Accounts will be verified and transaction limits start at $1,000 and go higher upon request and approval. Note: External transfers must be established and approved within a browser-based online banking session and can be used within mobile banking thereafter.