Frequently Asked Questions

Mobile Banking

Who is eligible for Mobile Banking?

If you are an SFPCU member and are registered with Online Banking, you are eligible to sign up for Mobile Banking. (Don’t have an SFPCU Online Banking account? Visit to get started)

How do I enroll in Mobile Banking?

Simply navigate to the ‘Mobile Banking’ tab within Online Banking, and you will be able to turn on this service by selecting ‘Allow Mobile Access’.

You'll then be able to visit the Mobile Banking site through the SFPCU Application on iPhones or by entering from a browser-enabled cell phone or PDA.

How much does Mobile Banking cost?

SF Police Credit Union provides the convenience of Mobile Banking as a free service, however the ability to view web pages from your cell phone may carry additional charges from your cell phone service provider. Please refer to your cell phone agreement to determine whether additional charges may apply.

How do I get to the Mobile Banking site from my cell phone?

Mobile Banking can be accessed by selecting your phone’s Internet browser function and entering the following web address:

How do I log in?

Mobile Banking should work on any mobile device that has an Internet Browsing program and an active data plan (access to the internet).

You can log in to Mobile Banking the same way you would at your computer by entering your member number, your password, and the security graphic.

You can also download our smart phone application for free through iTunes. Simply visit the iTunes store on your smart phone, and search for SF Police Credit Union.

What can I do in Mobile Banking?

SF Police Credit Union wants you to have information and power on the go. So with a few quick actions you can view your account balances, search for cleared checks, transfer funds between any of your local accounts, and pay bills to those payees you have set up.

Will Mobile Banking work on my cell phone?

Mobile Banking should work on any mobile device that has: an Internet Browsing program (common on most newer phones), an active data plan (capability through your cell phone service provider to access the internet), and a reasonable signal to transmit and receive data through.

What happens if my phone is lost or stolen?

From a computer you can log in to your Online Banking account, and from the Mobile Banking page you can “Disallow Mobile Access”, which will turn off access to the service.  As an additional security measure, your member number and password would still need to be entered for anyone to access your account information.

What are Mobile Transaction Notifications?

From the Online Banking site you have the ability to turn on Mobile Transaction Notifications which will send you a message through the Communications Center to let you know that a Transfer or Bill Pay request has been made via Mobile Banking. 

What if I need help?

If you are having trouble accessing Mobile Banking, please contact Member Services at 800.222.1391.

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Can I access Mobile banking from my iPhone?

Yes, the iPhone renders a special version of the Mobile Banking site that has a unique look and feel. It also allows you to view more transactions than the normal version of Mobile Banking. You’ll still need to “enable mobile access” from within Online banking to use the iPhone version.

Can I download a specific Application for my iPhone?

Yes, an SFPCU application has been created that you can download directly from the App-Store. You can search for it within the App-store by inputting the Credit Union’s name: SF Police Credit Union. You’ll still need to “enable mobile access” from within Online banking to use the iPhone application.

Do I still have to login to the Application?

Yes, to keep your information secure you’ll need to provide your normal login credentials that you would use to access Online Banking from a desktop or laptop computer.

Who should I contact if I’m unable to access the iPhone application?

Please contact Member Services at 800.222.1391 for questions regarding Mobile Banking or the iPhone application and we will be happy to provide you with assistance.

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Mobile Deposit

What is Mobile Deposit?

With Mobile Deposit, you can deposit checks with only your mobile device. Deposit your check whenever you get them, from anywhere, anytime.

What devices work with Mobile Deposit?

Mobile Deposit is only available for the following devices:

  • iPhone 3GS or higher
  • iPod touch 4S or higher
  • iPad 2, iPad 3 and iPad mini
  • Smartphones with the Android 2.1 Operating System or greater
  • Android Tablets

Are there eligibility requirements to use this service?

In order to use Mobile Deposit you must:

  • Have an active and qualified SFPCU savings or checking account
  • Be a current Online Banking and Mobile Banking user
  • Have a smart phone or tablet device with a working camera

What types of accounts accept Mobile Deposit?

You may deposit funds to any of your SFPCU checking, savings or Money Market accounts.

Is there a fee to use this service?

SFPCU offers this free to our members. Fees from your mobile or data carrier may apply.

How do I begin?

First, make sure you’re enrolled in Online Banking.

  • Visit the App Store™ or Google Play™ and download the SFPCU Mobile Banking app
  • Open up the SFPCU Mobile Banking app and activate your Mobile Banking access
  • Select the Mobile Deposit tab and follow the instructions

Are there any limits on my deposits using Mobile Deposit?

You are not limited to the number of deposits you can make. However, there are daily and monthly limits on the deposit amounts that can be processed per account.

  • $10,000 daily
  • $50,000 per any 30 consecutive calendar days

Are deposits made using Mobile Deposit secure?

Yes. The link between your mobile device and our Mobile Deposit site are encrypted to the highest Industry standards.

When will my deposit be credited to my account?

Depositing your check using Mobile Deposit, will depend on the amount of the check. It may take up to 1-2 business days for the total deposit to post. If there are any errors on the deposit, it may take longer to post to your account.

How will I know when my check has been deposited?

You will receive an email confirmation that your deposit has been processed. We recommend you write down the reference number to the check and keep for your records.

What should I do if I have a check for an amount that exceeds the limit?

Please visit a SFPCU branch for any checks written over an amount of $10,000.

Are there any types of checks that cannot be submitted using Mobile Deposit?

Only single-party domestic checks made payable to the member may be captured for deposit with Mobile Deposit. The following items cannot be submitted for deposit with Mobile Deposit:

  • Checks payable to name other than what’s listed on account (business name, nickname etc.)
  • Items stamped with “non-negotiable”
  • Post-dated or stale-dated checks
  • Incomplete checks – checks missing any required information
  • Third party checks – checks payable to someone else, endorsed and signed over to you
  • Foreign checks – checks payable to you and drawn on a financial institution in another country
  • Altered checks – checks that contain evidence of alteration to information on the face
  • Checks purported to be a lottery or prize winning
  • SFPCU checks drawn on your account
  • Checks previously submitted for deposit

I have submitted a check with Mobile Deposit, what should I do now?

After your check is scanned, please write your deposit reference number on your check and store in a safe place for 7 days or until the deposit appears on your monthly statement and then securely destroy it. Afterwards, please destroy the check or clearly mark it as "VOID" if you prefer to keep it for your records. Be sure the check is not rescanned or deposited elsewhere.

I have an image error with Mobile Deposit, what should I do?

Please double check the following:

  • Your check photos are clear and legible; be sure that there are no shadows on the check, the check is not excessively wrinkled or corners are bent, the image is not blurry from “shaky camera” and the writing is contained within the relevant spaces on the check
  • You have positioned the check against a dark or contrasting background
  • The MICR line (the bottom part of the check that includes your account number and the bank routing number) is visible
  • The check number, payee, endorsement, numeric amount, written amount and MICR line are all readable
  • You have a strong signal; using a secure WiFi connection may improve your transmission success
  • If the check continues to be rejected, bring into a SFPCU branch or you can access our Online Check Deposit service in Online Banking.

I took photos of my checks, but when I log into the app, I don't see the pictures. Where did they go?

Only photos taken within the Mobile Deposit app can be used for deposits. After you log into the app, choose the deposit account, select amount, and then push the ‘Take Photo’ button. Then use the camera on your device to take a photo of the front and back of the check. Photos taken outside of the app cannot be used for deposits.

What does it mean to be in "Offline Mode"?

You need to log in to SFPCU Mobile app first to access Mobile Deposit. Once logged in you will be directed to the Mobile Deposit supporting app.

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