Self Service

Can’t find what you’re searching for on our site? Then let us know by filling out this suggestion box so we can improve future search experiences on sefcu.com.

If you have a question related to your account, please email [email protected] or you can use Live Chat. *Please do NOT include any sensitive information, such as member number in the email or chat.*

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Commitment to Privacy

SEFCU is firmly committed to maintaining the privacy of our members and the confidentiality of their personal and financial information. We recognize your right to privacy and, in turn, accept the responsibility to keep the information you provide to us confidential.

DIAL Automated Teller

Banking really is a phone call away when you bank by phone with DIAL, SEFCU's automated teller. Access your accounts anytime and anywhere.

Banking From any Touchtone Phone

DIAL, SEFCU's automated teller, lets you access your accounts from any touchtone phone by calling 518-452-2874 or 800-733-2848.

Regulation D

Regulation D Limits Electronic Transactions

Have you ever tried to make an electronic withdrawal or transfer from your Savings account and been denied?

Funds Availability

Our policy is to not delay the availability of funds that you deposit into your account any longer than necessary. During any required delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. 

ATM Hold Policy

If you do not make your deposit in person (for example, if you make your deposit by mail, at an ATM, or a POB location), that deposit will be subject to content verification and SEFCU’s Funds Availability Policy prior to releasing the funds. The first $200 of a deposit will be available on the first business day after the day of the deposit. For example, on a $300 deposit at an ATM on Monday, the first $200 of that deposit will become available on Tuesday, and the remaining $100 will be available on Wednesday. Every day is a business day except Saturdays, Sundays and federal holidays. 

Foreign Transaction Notice

International Service Assessment (ISA) Fee to Appear Separately for Foreign Transactions 

Mastercard® 

Effective Tuesday, April 14, 2015, purchases, cash advances or ATM withdrawals made in non-U.S. dollars will be converted and billed to your account in U.S. dollars under the operating rules determined by Mastercard.*

USA PATRIOT Act

In accordance with Section 326 of the USA PATRIOT Act, SEFCU is required to take reasonable steps to verify the identity of any potential new account holders, which may include existing members, and maintain records of the documentation used for verification. 

At a minimum, SEFCU is required to obtain the following information prior to account opening or adding a signatory to an account: 

How to Protect Yourself Online

You lock the front door to prevent a home robbery, but are you safe from online thieves? Get the information you need to protect yourself when on the Web.


Nowadays we rely on computers for many aspects of our lives. The Internet provides convenient access to shopping, social networking, financial accounts, and much more. Knowing how the personal information you enter is being used and where it is being stored can aid in building awareness to the risks you may be exposed to.

How SEFCU Protects You

With security being among SEFCU's top priorities, we have many features in place to protect your account. Feel confident knowing we keep your information secure on both the computer and on your mobile device.

SEFCU OnLine Security
Learn about the security features in place to keep your account information safe. 

Mobile Security
Whether at home or on the go, you'll have peace of mind knowing our security measures go with you.

Guidelines for Giving

SEFCU defines charitable contributions as the donation of money to an organization recognized by the United States Internal Revenue Service as a 501(C)(3) that provides direct services to the community.  SEFCU’s area of focus for charitable giving is concentrated in the following areas:

Accessibility Statement

SEFCU is committed to providing a website that is easy for all members and website visitors to use, including those with disabilities and those using assistive devices. We are continually working to enhance accessibility and usability based on standards recommended by World Wide Web Consortium (W3C) Web Content Accessibility Guidelines (WCAG) version 2.0 Level AA.

SEFCU's Routing Number and Account-Related Information

There are various pieces of information you might need about your SEFCU account that are requested by other companies, including your employer, insurance providers, or other businesses you work with. Some of this is universal to SEFCU, such as our routing number. Some is unique to you, such as your account number. The face of a check can provide a lot of information:

SEFCU check image

Pay Transparency Policy

SEFCU will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

ADA Reasonable Accommodation Policy

OBJECTIVE/ DESCRIPTION

The Americans with Disabilities Act (ADA) and the Americans with Disabilities Act Amendments Act (ADAAA) are federal laws that require employers with 15 or more employees to prohibit discrimination against applicants and individuals with disabilities and, when needed, to provide reasonable accommodations to applicants and employees who are qualified for a job, with or without reasonable accommodations, so that they may perform the essential duties of that job.

Online Banking, Login, User Login, Online Banking, Sign In, log in

As you know we have updated our website. We know the most important thing for many people is signing into their online banking account. If you are having a problem finding the new login box, please refer to this screenshot of our homepage.

  • The login in the top right can be accessed from any page on our site to sign in to online banking.
  • The login location located below the navigation bar can only be accessed on our home screen.

Thank you for choosing SEFCU.