ATMs
St. Anne’s participates in the SUM® ATM Network (a group of community banks and credit unions that provide FREE access to ATMs throughout the U.S. All St. Anne’s Credit Union debit Mastercards® are automatically part of the SUM® network which allows you easy access to your cash by offering thousands of ATMs with no surcharges. Look for the SUM symbol to avoid ATM surcharges. You can also visit the SUM® website for a list of surcharge-free locations near you – or find SUM® ATMs wherever you are with the SUM® Mobile ATM Locator app (FREE for iPhone® and Android™).
*Other institutions may impose a fee for the use of their ATMs if not part of the SUM® ATM network.
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Online Banking and Bill Payment
With Online Banking, you can take care of your everyday banking transactions – transfer funds, check account balances, make loan payments – 24 hours a day, 7 days a week.
Plus you can also:
- Review your account activity
- Confirm checks have cleared
- Prepare recurring and/or future transfers
- Set-up notifications to remind yourself about events pertaining to your account
- Disburse Home Equity Line of Credit (HELOC) funds to a St. Anne's Checking or Savings Account
- Reset your own password, securely!
You’ll love the convenience of Online Bill Payment. It lets you pay virtually anyone without writing a check or searching for a stamp! What’s more, Online Bill Payment lets you keep all of your records in one place, right at your fingertips — easy to find, easy to track.
Plus, Online Bill Payment lets you:
- Manage your bills in a fraction of the time
- Pay all of your bills online, from your car loan to your chiropractor
- Schedule recurring bills to be paid automatically
- Choose your own payment timetable — from once a week to once a year
- Set alerts to remind you when future payments are due
- Stop Payments
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Mobile Banking
St. Anne’s Credit Union knows how critical it is to stay up to date with your financial information and that’s why we make it convenient for you to access your accounts 24/7. With Mobile Banking, being limited to branch hours and locations are a thing of the past. Now more than ever, your accounts are now as mobile as you are!
Once enrolled in Online Banking, Mobile Banking services are available at your fingertips. Effortlessly use your web-ready smartphone or mobile device to connect with your accounts to start mobile banking! Simply find our FREE app from your compatible phone or mobile device on iTunes® or Google® Play.
Mobile banking offers a range of helpful tools and features to safely self-manage your banking:
- Check Account Balances: Your account balance shouldn’t be a mystery - access your account balances anytime, anywhere at your convenience.
- Transfer Funds: Transfer funds securely between your St. Anne’s accounts at a moment’s notice, without stepping foot into a branch.
- Review Account Activity: View extensive account history and activity with the click of a button.
- Find Branch Locations: Locate branches nearby using your phone’s GPS, or search by zip code.
- Pay Bills Online: Never miss a due date and avoid costly late fees – pay bills in seconds!
- Log in by Fingerprint: Save time by logging into the Mobile Banking app with your fingerprint by Touch ID for added protection.
- Pay Bills and Budget Simultaneously: Need to use your calculator app while in Mobile Banking? Multitasking capabilities allow users to securely stay logged into their Mobile Banking app for a period of time while being able to navigate between other apps.
- View Balances Instantly: With Instant Balance, you’re able to view the current balance of up to six accounts on your mobile app login screen – without even having to log in - staying on top of all your accounts at a glance.
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Mobile Check Deposits
Make deposits with the St. Anne’s Credit Union Mobile app quickly, conveniently and securely.
Mobile Deposit is FREE*, easy to use and saves you time with fewer trips to the ATM or branch!
- Deposit checks directly into your eligible personal checking account using the St. Anne’s Credit Union Mobile app on your eligible smartphone.
- Sign your check, write “For mobile deposit only SACU”, choose the checking account you’d like to deposit into, the amount of the deposit, take photos of the front and back of your check - and submit. It’s that easy.
Follow these three simple steps to get started:
- Open a St. Anne’s Checking Account. Mobile Deposit can be used with an eligible St. Anne’s personal Checking Account
- Enroll in Online Banking. Sign up for Online Banking, a FREE service – where you’re also able to view balances, transfer funds, pay bills and more!
- Download the St. Anne’s Credit Union app by visiting the iTunes Store® for iPhone or Google Play Store® for Android.
*Message and data rates may apply. Check with your mobile services provider for any charges that may apply for data usage on your mobile device.
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CardValet®
St. Anne’s Credit Union debit cards come equipped with FREE CardValet service – meaning you can turn your card “on” and “off” at your convenience, right from your phone. This Mobile app can also be used to combat fraud, limit spending, and check real-time balance.
Keep tabs on your debit card with CardValet®
Get the mobile app that lets you control spending and protects your St. Anne’s Credit Union debit card against fraud with alerts.
Fraud Protection
A lost or stolen card is just one area of concern in today’s world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas add another layer of protection. And real-time alerts keep you informed when your card is used or declined.
Control Spending
If you’re trying to establish or stick to a budget, CardValet® can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs.
Real-Time Alerts
Alerts can be set up to inform cardholders of specific types of transactions. CardValet can send an alert when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined. The alert is sent in real time, immediately after the transaction has taken place or has been declined.
Review Balances and Transactions
Monitor your finances from anywhere. Use the CardValet app to check your account balances.
Business Use
CardValet is a great tool for controlling business spending on a debit card. Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.
Get Started!
Download the app for your Apple iOS or Google Android device.
Watch an introduction video
Frequently Asked Questions
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eStatements
Receive your monthly account statements electronically online for free with eStatements. Once you complete registration you can login to eStatements to view, print and save your monthly statements from any device. At the beginning of each month, you will receive an email notifying you that your statement is ready to download. eStatements are a safe and secure paperless option. For additional information about eStatements, please refer to the Frequently Asked Questions.
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Text Message Banking
Need up to the minute account info in seconds? Get the answers you need, sent directly to your cell phone via text message.
Follow these steps to get started:
- Log into Online Banking
Text Message Banking is available through Online Banking. To enroll, click here.
- Activate
After logging in, go to the "Profile" menu at the top of the landing page and select either "Enroll Now" or "Manage Devices." Then follow the steps to register your mobile phone - you will receive a text containing an activation code.
- Start Texting
Now that your phone is set up, just send a text to the number provided in your activation text with one of the following commands:
BAL = Balance
HIST + texting account nickname ex: HIST ACCT = History
ATM + street or zip = ATM Locations
STOP = to cancel SMS
HELP = for Help
Your answer will be promptly sent back to you – usually in less than 10 seconds!
* While Text Message Banking is available at no charge to any Online Banking customer with a cell phone please note message and data rates may apply.
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Telephone Banking
Whether you’re at home or on the road, you can check balances, transfer funds, and access account information from any touch-tone telephone. Simply dial toll-free 1-(800) 258-8484 and follow the prompts.
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Coin Counting
For your convenience, all branches come equipped with automatic coin counters – a free service to St. Anne’s Credit Union members and also available to non-members for a nominal fee.
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Direct Deposit
No need to make an extra trip to a St. Anne’s branch. Set up direct deposit and have your paycheck or other recurring deposits (like Social Security, unemployment, etc.) sent automatically right to your checking or savings account.
Direct Deposit allows you to:
- Get same day access to your deposit from anywhere
- Reduce the risk of lost or stolen paper checks
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Overdraft Protection
At St. Anne’s Credit Union we understand that there are times when the unexpected occurs and leaves your checking account short. In order to serve you better and provide you with more choices in the way you prefer to bank, St. Anne’s offers various Overdraft Services* for consumer accounts. This means that the choice is yours - consider these ways to cover overdrafts:
Sweeps2
This service links your checking account to your statement savings account to automatically “sweep” or transfer money from your savings to cover transactions presented for payment against your checking account that would otherwise have resulted in an overdrawn balance.
Overdraft Line of Credit
This loan automatically advances money up to your available credit line, working seamlessly with your current St. Anne’s Credit Union checking account.
Overdraft Privilege1
Experience automatic convenience and peace of mind—because Overdraft Privilege automatically protects your eligible checking account products accessed by paper check or electronic means (such as bill pay). Overdraft Privilege covers check or ACH transactions that otherwise would be returned for insufficient or unavailable funds – and also saves you the inconvenience of any bounced checks and fees charged by merchants for checks returned to them. The best part is – you don’t even need to sign up, it’s available already to all members on all eligible account types!
Overdraft Privilege Plus2
Overdraft Privilege Plus offers all of the same benefits of our standard Overdraft Privilege program – PLUS coverage of ATM transactions and one-time debit card transactions from your checking account. You must opt-in for Overdraft Privilege Plus.
If you would like St. Anne’s Credit Union to have the discretion to authorize and pay your Debit and ATM purchases, you can:
What Types of Transactions are Covered Under Each Plan?
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Item
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Overdraft Privilege (Standard)
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Overdraft Privilege Plus
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Checks
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Yes
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Yes
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ACH – Automatic Debits
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Yes
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Yes
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Recurring Debit Card Transactions
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Yes
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Yes
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Online Bill Pay Items
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Yes
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Yes
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Teller Line/Drive-up
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Yes
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Yes
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Online, Mobile & Telephone Transfers
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No
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No
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ATM Withdrawals
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No
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Yes
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Debit Card Transactions
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No
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Yes
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What You Need to Know About Overdraft Protection Plans:
- Should you overdraw your account, apply money back to your account as soon as possible. Remember to apply enough money back into your account to cover the overdraft and any fees.
- Even if you have one of these plans, there is no guarantee that St. Anne’s will cover your checks, ATM withdrawals, debit card and other electronic transactions that overdraw your account.
- This service is not available to all account types – please speak with a St. Anne’s representative for more information on eligible account types.
Speak with a St. Anne’s representative about the choices and services that are right for you!
*Whether or not your overdraft(s) will be paid is discretionary, and we reserve the right not to pay your overdraft(s) if your account does not meet the Credit Union’s criteria for the service as outlined in St. Anne’s Credit Union’s Truth in Savings Disclosure. When the Credit Union pays an overdraft, you agree to bring the account to a positive balance within 35 days. Accounts with a sustained negative balance may be subject to closure and reported to consumer reporting agencies. Fees apply; see current St. Anne’s Credit Union Fee Schedule. Fees charged for covering an overdraft, as well as the amount of the overdraft item(s) will be subtracted from your available Overdraft Privilege limit.
1The Overdraft Privilege program does not cover overdrafts caused by ATM and debit card transactions. Available to members who meet the criteria stated in St. Anne’s Credit Union’s Truth In Savings Disclosure. See St. Anne’s Credit Union representative in branch for Truth in Savings Disclosure.
2Subject to eligibility requirements. Fees may apply. To opt-out call 1-877-STANNES or visit any one of our branches. Keep in mind when you opt-out your insufficient funds items will be returned to the payee and/or declined at the point of purchase unless you have Overdraft Privilege and Overdraft Privilege Plus available to cover the item(s). You will be charged the standard fee for all returned items. Although standard Overdraft Privilege is automatic once you meet the criteria stated in St. Anne’s Credit Union’s Truth In Savings Disclosure, you must opt-in to Overdraft Privilege Plus. See St. Anne’s Credit Union representative in branch for Truth in Savings Disclosure.
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Wire Services
Use our wire transfer service for your incoming and outgoing transfer of funds. If you are planning to make a major purchase with wired funds from your St. Anne’s account, please speak to a Member Service Representative. All transfers in excess of $10,000 must be set up in person, in advance.
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