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Make an Appointment

To schedule an appointment, select a Financial Services Officer (FSO) at the location that you prefer. 

After you select the FSO you will be prompted to let us know the service required and the date and time that is most convenient for you.

Lino Lakes Branch

700 Apollo Drive
Lino Lakes, MN 55014

(651) 747-1565    [email protected]

(651) 747-1511    [email protected] 

Maplewood Branch

1691 Cope Avenue
Maplewood, MN 55109

(651) 747-1512   [email protected]

To schedule an appointment for accessing a safe deposit box or coin counting, select a location below and one of our Member Service Associates will be able to help you.

Member Service Associate at the Lino Lakes Branch

Member Service Associate at the Maplewood Branch


Our members need access to money quickly and safely more than ever right now.  With the government beginning to distribute economic impact payments this month, we're committed to helping our members understand how to access their payment quickly and safely. Paper checks may take weeks to arrive, and we know people need access to this money quickly. Plus, depositing a paper check may require consumers to leave the convenience and safety of their own homes. We've provided several resources to show our members how easy it is to access their money faster via direct deposit and to help guide them through the process. 

 Please be aware that scammers are trying to exploit the COVID-19 crisis to steal money or personal information.  We've compiled a quick list of activity for consumers to watch out for.

Be on alert for anyone who:

  • Asks you to sign over their economic impact payment check to them.
  • Asks by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your economic impact payment.
  • Suggests you can get a tax refund or economic impact payment faster by working on your behalf. This scam could be conducted by social media or even in person. 

The safety and health of our employees and members are at the center of everything we are doing. 

With no action, some of the most vulnerable populations may receive a paper check. A paper check should be the payment of last resort. Not only is there physical contact involved in accessing your money by cashing a physical check, but you also may need to wait weeks to receive the check. Plus, it’s more convenient to access your payment digitally, from the safety of your own home. We’re providing resources to help people who do receive a paper check and need to access their money digitally, such as online banking, mobile banking and remote deposit.

Frequently asked questions regarding Stimulus Payments

Am I eligible for an economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples - no additional action required. Parents also receive $500 for each qualifying child. Social Security recipients who are not typically required to file a tax return do not need to take action. You will receive your payment directly in your bank account where you receive your Social Security benefit.

If you typically receive a paper benefit check, you'll want to visit the IRS portal “Get My Payment” tool to provide your direct deposit information to get paid as quickly as possible. Our SMW Financial Credit Union Routing Number is 296 076 204.  Your account number is a 10 digit number which includes your Member Number but has additional information to include. See the bottom of your checking deposit slip or in online banking for your unique account information.

If you’re not typically required to file taxes and don’t receive Social Security benefits, you’ll need to file a simple return with your banking information. Visit for more information.  The eligibility for, and amount of stimulus payments, will vary according to your income and family situation, but you can find examples of the various scenarios on the US Treasury site.     

The IRS does not have my direct deposit information. What can I do? 

The IRS has developed a web-based portal for individuals to provide their banking information online. You'll need to visit the portal at and provide your bank account number and routing number so that you can receive a payment directly to your bank account. Otherwise, you'll have to wait for a check in the mail.    Source: IRS

I cannot find my payment. Where was it deposited?

You will get a paper notice in the mail within a few weeks after your payment has been sent. The notice will contain information about where the payment was sent (either the mailing address for a paper check or the bank account number for a direct deposit) and in what form it was made. If you cannot locate the payment and have not received a paper notice, then check the web-based portal for the status of your payment as it may still be processing.

I received a paper check, but I can’t make it to a branch. How do I deposit it?

If you can’t visit an SMW FCU location to deposit the check, you have a few options to make a deposit. 

Make a deposit remotely using our mobile banking app and our Remote Deposit Feature on our website under ESERVICES & TOOLS / MOBILE BANKING. You can access the app at this web location as well.

To deposit a check by mail, endorse the check by signing it and writing "for deposit only at “SMW FCU”  on the back, and write your account number under the endorsement. Be sure to include this information: without it, we may not be able to locate your account and process your check. Then, mail it to SMW Financial Credit Union, 700 Apollo Drive, Lino Lakes, MN 55014.

Please note, at the time of this writing, the CDC recommends staying at home. We are encouraging customers to follow this advice by signing up to receive your payment electronically. If you think you are going to receive a paper check, you’ll need to visit the web-based portal to learn how to update the IRS with your direct deposit information. Visit to learn more.



As a member of our SMW family, we wanted to reach out to you personally with an update on the steps we are taking to keep our members, our employees and the entire community healthy and safe.  Your wellbeing is central to our purpose and our top priority as we join companies around the world responding to the current global health challenge.

We are monitoring the situation and taking appropriate action based on the guidance provided by the Centers for Disease Control and Prevention (CDC) and the Minnesota Department of Health.

To minimize face to face interactions we ask that you use our online banking at, visit us via our drive up windows or call (651) 747-1500.  We are keeping our lobby branches closed for added safety. We will change the Site Alert on our website home page when the lobby’s will reopen.

We have taken proactive steps to maintain the healthiest possible environment by cleaning our spaces thoroughly and frequently. All of our employees have been instructed to follow the CDC’s best practices, including frequent handwashing, to keep themselves and others safe.  Those who have traveled to high-risk areas have been required to self-quarantine for the recommended 14 days. We are providing all team members with constant updates and information so they can keep themselves and their families safe.

In most cases, it is easier and faster to manage your accounts with our online and mobile options:

  • Mobile App – 24 Hour Access. Download the "SMW Mobile" app for most transactions, including depositing checks.
  • SMW FCU Online – 24 Hour Access. Our website provides a quick and easy way to access your accounts by signing into online banking.
  • Surcharge-free ATM’s are available at many major retailers and other businesses throughout the Twin City Metro Area. Find our ATM Locator on our website under Locations and Hours.
  • Or call us at (651) 747-1500 during business hours. Please understand wait times could be longer than usual.

Drive thru hours in Lino Lakes:

Monday thru Friday 8:00 am to 6:00 pm and Saturday 9:00 am to 12 noon.

Drive thru hours in Maplewood:

Monday, Tuesday, Wednesday and Friday 9:00 am to 5:00 pm. Thursday’s 10:00 am to 5:00 pm. 

For over 65 years SMW Financial Credit Union has been building trusted relationships and strong financial futures for our members and the communities that we serve. We will continue to work together to support you and your families through this challenging time.

Thank you for being a loyal member of the SMW Family.