Mobile & E-Services from SPC

The SPC Mobile Banking app is a FREE, secure online banking application that gives you 24/7 access to your account information. Download on the App Store (for Apple Products) or Google Play (for Android) and log in using your Online Banking Credentials to use these features:

• Deposit a check or make a payment anytime, anywhere with Mobile Deposit
  • Please note: First-time Mobile Deposit users must enroll for this functionality through SPC Online Banking in the mobile banking app.
  • Click on the video below to see for yourself how to make a mobile deposit!
• Set and change your password, security questions, and personal information
• View account balances and details for savings, checking, certificates, and loans
• View funds on hold for savings and checking
• View pending ACH transactions and even authorize early deposits with ACH On-Demand
• View your secure Message Center
• Perform instant transfers between accounts
• Pay bills
• Apply for a loan
• View check images
• Pay a Loan using LoanPay Xpress
• Use Card Controls to temporarily lock/unlock your card, enable push notifications for card usage alerts, and report lost/stolen cards

Once your Mobile Banking App is set up, you’ll have the option of using PIN, facial, voice, thumbprint recognition, or a standard username and password to log in.

Need more information about the SPC Mobile Banking App? Contact us via phone at (843) 332-4506 (click to call) or via email at inquiries@spccu.org, and we’ll set you up with a temporary login right away!

With SPC CardValet, you’ve got the power to define when, where, and how your cards are used. Download the CardValet app on your smartphone from the Apple Store or Google Play Store, then customize your usage settings and alert preferences to manage your cards.

CardValet Usage Controls

CardValet can manage and track specific types of debit and credit card transactions and quickly detect unauthorized or fraudulent activity. You can customize your experience by choosing from a variety of options:

• Card On/Off Setting - When the card is "on," transactions are allowed in accordance with their usage control settings. When the card is "off," no purchases or withdrawals are approved until the card is subsequently turned back "on." This feature can be used to control spending, disable a lost or stolen card, or prevent fraudulent activity.
• Card Controls - Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed defined thresholds. Transactions can be controlled and monitored for specific merchant categories, such as gas stations, department stores, restaurants, entertainment, travel, and groceries.
• Location-Based Controls - The “My Location" control can restrict transactions to merchants located within a certain range of a cardholder's location (using the phone's GPS); transactions requested outside of the specified range can be declined. The “My Region" control uses city, state, country, or zip code data on an expandable interactive map; transactions requested by merchants outside of a specific region can be declined.
• Alerts - Alerts can be set up to keep users informed of specific types of debit and credit card transactions. CardValet can send an alert when a card is used or when a card transaction has been attempted but is declined. Additional customizable alert options are also available. The alert is sent in real-time, immediately after the transaction has taken place or has been declined.
• Additional Capabilities - CardValet lets you conduct card-related mobile transactions wherever you are, any time of the day. Supported transactions include:
  • Real-time balance inquiries
  • Locating ATMs

Fraud text alerts from SPC make it easy for you to respond to suspicious transaction activity on your SPC Credit and Debit Cards swiftly and easily. If our fraud monitoring service detects something fishy, you’ll receive an SMS/text message alerting you of the transaction. Learn more below!

How do I enroll in fraud alerts?
If you’ve provided SPC CU with a mobile phone number, you are automatically enrolled and will begin receiving fraud alerts by text message. Text messages will be sent from the SPC Fraud Center between the hours of 8 a.m. and 9 p.m. EST. Don’t forget! Fraud Text Alerts are available for debit and credit card transactions.

What happens if there’s a suspicious transaction on my card?
When our real-time fraud monitoring service detects a suspicious transaction on your SPC Debit or Credit Card, we may block your card immediately for your protection. If you confirm that the transaction is legitimate, your card may be available for immediate use.

How will I be alerted of a suspicious transaction on my card?
Fraud text alerts are delivered by SMS/text message. If you do not respond to the text message within fifteen (15) minutes, you’ll receive a call to the phone number we have on file.

Should I respond to a fraud alert?
Yes! For your account security, it’s important to respond to fraud alerts. This allows SPC to take immediate action to protect your account (if the charge was indeed fraudulent) or allow your account to be available for future transactions (if the transaction was authorized). If you don’t respond to any of the calls or text messages, it may disrupt your ability to make purchases with your SPC Debit or Credit Card.

Will I be charged for fraud alert texts?
No. SPC’s card processor supports Free-to-End-User two-way text message alerts, which allows you to receive and reply to these alerts without incurring charges from your wireless carrier.

What do SMS fraud text messages look like?
Sample SMS Text Messages:

SMS Alert FreeMSG:
FreeMSG SPC Credit Union Fraud Center (877) 253-8964 $125.46 on card 1234 at Macy’s. If valid, reply YES, fraud NO. To Opt Out, STOP.

SMS Response to YES FreeMSG:
FreeMSG SPC Credit Union Fraud Center (877) 253-8964 Thank you for confirming this activity. You may continue to use your card. To Opt Out, reply STOP.

SMS Response to NO FreeMSG:
FreeMSG SPC Credit Union Fraud Center (877) 253-8964 Your response has placed a block on the card. Call us immediately at (877) 253-8964, avail 24/7. To Opt Out, reply STOP.

Can I opt out of receiving fraud text alert messages by text?
Yes. If you receive a fraud alert by text, please first confirm if the transaction was authorized. Next, simply respond “STOP” to the text message. By opting out, you will continue to receive fraud alerts by phone call. However, text message fraud alerts are a great way to receive notifications in real time when there is a suspicious transaction on your card. This allows you to take immediate action to help protect your account.

Important steps to take for fraud alert:

• Update your contact information with SPC Credit Union (if necessary). Have you moved recently or changed your mobile phone number? Let us know! We need your updated contact information so you can receive important alerts about your accounts.
• If you’re concerned your card has been compromised but have not received a fraud alert, please call the SPC Credit Union Fraud Center at (800) 554-8969 or stop by your nearest branch.
• To further prevent unauthorized use of your SPC Debit or Credit Card, consider SPC CardValet. Through controls, alerts, and the ability to turn your card(s) on/off, you can respond quickly and effectively to potential fraud.

Reminder: SPC Credit Union will NEVER send you a message asking for your personal or account information. If you receive a message asking for this type of information, contact SPC immediately and do not respond to the message.

Have phone? Will purchase! Gone are the days of clunky wallets taking up way too much room in your pocket or purse. Do yourself a favor and load your card into your device’s mobile wallet to make purchases easier, safer, and more convenient than ever. Take your SPC Debit &/or Credit Card with you wherever you take your mobile phone using Apple Pay, Google Pay, Samsung Pay, Amazon One, and Garmin Pay. Keep reading and visit the links below for more details on how to use your SPC Debit or Credit Card with your device’s mobile wallet!

Apple Pay is the safer, more private way to pay with your SPC Debit or Credit Card on your iPhone, Apple Watch, iPad, or MacBook Pro with Touch ID. When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private. Click here to watch a quick video to learn how to set up your card in your Apple Wallet.

Google Pay is the faster, safer, easier way to pay in stores with the Google Pay icon, online wherever you see the Buy with Google Pay button, and using autofill on Android and Chrome. You can even send money to friends through your Google Account, using only email. Click here to watch a quick video to learn how to add your SPC Debit or Credit Card in your Google Wallet.

Samsung Pay allows you to add your favorite payment cards to your phone using Samsung Wallet, so you can carry your SPC Debit or Credit Card with you wherever you (and your phone) go, conveniently and securely. Once you’ve uploaded your card into the app, just swipe up from the bottom of your phone’s home screen to access it. Soon, you’ll be putting your Samsung Wallet to work to check out with your SPC Debit &/or Credit Card in-store, in-app, or online. Click here to watch a quick video and learn how to add your card to your Samsung Wallet.

Amazon One is a free service that allows you to enter an Amazon One retailer or other venue, identify yourself using only your palm, shop freely, and pay with your SPC Debit &/or Credit Card using contactless technology. Start by pre-enrolling online by signing in with your Amazon account (make sure your SPC Debit &/or Credit Card is connected to this account!). Once you’ve pre-enrolled, you’ll receive a digital QR code. Take this to your nearest Amazon One device and complete enrollment by scanning one or both of your palms. It’s that simple! Ditch your wallet and hover your hand over Amazon One devices for a simple, secure, and contactless payment solution. Click here to watch how it works.

Garmin Pay™ works with your SPC Debit &/or Credit Card to bring contactless payment options to your favorite accessory: your Garmin watch! By adding your SPC Debit &/or Credit Cards to your Garmin Pay mobile wallet, you'll be able to enjoy all the rewards and benefits of your physical cards right on your wrist. Click here to watch a quick video to learn how to set up Garmin Pay on your Garmin Watch.

Did you know easier account access is just a dial away? That’s right! You can have direct access to your SPC Credit Union accounts with just one phone call!

SPC Phone Banking is a bank-by-phone system that makes taking care of your credit union business faster, easier, and safer! It’s a win-win-win!

SPC Phone Banking lets you perform numerous transactions, including:

• Reviewing account balances
• Verifying the date and amount of your transactions, including deposits, withdrawals, transfers, & payments
• Verifying whether certain checks have cleared
• Transferring funds within their own account suffixes
• Making loan payments
• Checking current rates
• Changing your Personal Identification Number (PIN)
• Obtaining annual dividend and interest information
• Whether you’re at home, at work, or thousands of miles away, SPC Phone Banking puts your accounts right at your fingertips

**UPDATE (9/2/22): In an increased effort to ensure the highest levels of security, SPC Phone Banking (audio, not Mobile App) has removed the ability to perform inter-member transfers and check withdrawals via audio banking. Members may still transfer within their own account suffixes.

Want to sign up? Follow these instructions!

• Call (843) 332-4506
• Press 1 for SPC Phone Banking
• Enter your member number, then press pound (#)
• Enter your temporary PIN (the last four digits of the Primary Account holder’s Social Security number), then press pound (#)
• You will be prompted to enter a new PIN, then press pound (#)
• Confirm your new PIN

Text banking puts your two thumbs in charge of your on-the-go banking experience. Use text banking to:

• Send a text command and receive replies for account balances
• Enroll in e-Alerts to be notified of your balances, when electronic deposits or withdrawals are made, or when a payment is due

How to Enroll in Text Banking:

• Log in to SPC Online Banking at spccu.org
• Click the “Go Mobile” button on the toolbar
• Select Text Banking Home
• Follow the prompts to enroll
• After enrollment, text commands to IM247 (46247)

One-Way Text Alerts

You can set up one-way text alerts via the e-Alert Subscriptions page and create alerts similar to your standard e-Alerts, such as:

• Account Balance
• Notification of an ACH deposit or withdrawal
• Daily balance notification
• Daily notification showing total dollar amount of transactions
• Daily notification showing total number of transactions
• Notification that a Loan Payment is due
• E-Notice notifications

Text Banking Commands

Check out the chart below for Text Banking command examples and their responses. You can also access a list of these commands via a link in online banking during the Text Banking enrollment process. These commands can be sent to IM247 (46247).

Experience a new level of convenience and connection with an SPC Credit Union ConnectExpress ITM(Interactive Teller Machine): looks like an ATM, acts like a teller. Pull right up and be the boss of your own banking experience—whenever it’s convenient for you. Use the 24/7 ConnectExpress ITMs to:

• Deposit cash/checks
• Withdrawal cash
• Cash checks
• Make loan payments
• Transfer money
• AND speak with an SPC Associate (during regular business hours)

Click here to watch a quick video featuring the benefits of using a ConnectExpress ITM!

Online Banking gives you the freedom to bank online WHEN and HOW you want. It’s online banking designed with YOU in mind!

Use Online Banking to view all your account information online–from savings and checking accounts to certificates, loans, and credit card accounts. You can even see images of canceled checks with a click of the mouse, and you can give your accounts “nicknames” to make it easier to keep track of them!

Online Banking offers these features & more:

• View account balances, histories, & status
• Access SPC Bill Pay
• View check copies
• View pending ACH transactions & authorize early deposits with ACH On-Demand
• Request stop payments or account updates, including mailing and billing addresses, phone numbers, & email addresses
• Find tax & paid dividends/interest information
• View e-Statements
• Perform or schedule fund transfers

To get started using Online Banking, click on the "Online Banking" box toward the top left-hand side of the page, and follow the steps below:

Username:
For all users, your username/login will be your SPC member number. After you’ve set up your account, you’ll have the option to create a new username if you choose.

Passwords:
For all users, the eight-digit password will be the last four digits of the PRIMARY member's Social Security number and four-digit birth year. You will be prompted to create a new password after you log in for the first time; that will be your password going forward.

Troubleshooting your Online Banking login:
If you have already set up a new username for your Online Banking account, you will no longer be able to use your account number to log in. If you have forgotten your username or have been locked out of your account after too many failed attempts to log in, you’ll need to contact an SPC Associate at (843) 332-4506 or email us at inquiries@spccu.org.

Managing your finances is easier than ever with SPC Bill Pay in SPC Online Banking or the SPC Mobile Banking App! Manage all your bills in one location: no more envelopes, stamps, or trips to the post office.

Your upgraded SPC Bill Pay dashboard allows you to view payees, upcoming bills, payment history, and account balances at a glance. Plus, you can make a payment with just one click from your dashboard. Here’s how easy it is:

• Click the SPC Bill Pay tab in Online Banking or SPC Mobile Banking to access the Bill Pay home page dashboard
• Find your payee
• Enter the payment amount & date
• Click “Submit”

If you need to add a new payee, just select the “Add a Payee” button at the top of your dashboard. For more information about adding payees and scheduling payments, go to the “Help” tab in Bill Pay.

Eliminate the clutter and hassle of paper statements by signing up for SPC e-Statements! With e-Statement access, you can view a copy of your monthly statement ANY time on SPC Online Banking. To sign up for SPC e-Statements, simply login to SPC Online Banking and choose the e-Statements tab.

Extensive security precautions have been taken to ensure confidentiality. Not only can you use e-Statements to reconcile your checkbook, but you can view copies of checks cleared at no charge! Statement history is stored electronically up to 18 months.

MoneyMap is your personal budgeting and financial management tool that connects with SPC Online Banking and the SPC Mobile App to bring ALL of your financial information—including your SPC account, other bank or credit union accounts, investment firms, credit cards, and loans–under one roof. Try it out today to tap into tons of tools, resources, and integrations that’ll make you feel like a financial whiz. Here are just a few of the features you’ll find on MoneyMap (in Online Banking & the SPC Mobile App):

• View Accounts: MoneyMap’s aggregation tool takes all of your account balances from SPC and other financial institutions and puts them in one place to make it easy to see the full picture of your finances.
• Bubble Budgeting: “Bubbles” illustrate various categories in your budget to help you quickly identify the areas where you spend the most.
• Track Spending: With MoneyMap’s expense tracking feature, you’re not just tracking spending–you’re getting to know and understand your financial habits through automatic expense categorization.
• Debt Management: Create a custom financial plan that fits your lifestyle so you can stay on track with your budget and take the right steps to reduce debt. This tool gives you step-by-step instructions on how to get out of debt using visualizations that help you to better understand your debt and how it’s being paid down.
• Net Worth Tracking: A closer comparison of your finances in terms of assets & liabilities will help you understand if you’re moving in the right direction toward your goals–from saving for retirement to paying down debt!