Checking & Spending

The services available in Bill Pay include: 

• Set up payees once to easily make payments
• Schedule automatic monthly payments for recurring bills
• View payment history for each payee
• Receive notifications about bills and payments
• Pay bills from your Stanford FCU checking (spending) account
• Pay the balance in full, instead of the minimum payment due
• Make a partial payment (e.g., an extra mortgage payment)
• Payee’s account number required
• Download or export payment data
• Receive and pay eBills

It’s easy to get started:

• Log in to Digital Banking
• Choose Move Money
• Select Bill Pay
• Complete a few more easy steps and you’re enrolled!

Yes, we have two accounts for children under age 18:

• Youth Savings account is a free savings account designed for children age 0-17, with no minimum balance requirement
• Teen Spending account is an interest-bearing checking account designed for minors age 13-17, with no monthly fees

 Both accounts will require an adult co-signer, so the parent or guardian must also be a member. You can open a child’s account either in person at a local Stanford FCU branch or via Zoom at our Virtual Branch. You’ll need a copy of your child’s picture ID, Passport or birth certificate.

No! You’re a member for life and we don’t want to see you go! You can access your accounts and perform most transactions worldwide 24/7 through Digital Banking or schedule an appointment at our Virtual Branch. We also have over 6,000 shared branch locations with other credit unions, where you can conduct business as if you were at one of our local branches.

Yes, your debit card and credit card are accepted internationally AND they have no foreign transaction fees!

If your ATM card is linked to a checking (spending) account, it will also be accepted internationally. If you’re traveling out of state or out of the country, be sure to set a Travel Notice so we don’t block your credit or debit card. List all areas you may be visiting, including layover cities. Once submitted, you should receive a secure Message that it has been received.

If you’re already traveling, please call us at 888.723.7328 for assistance.

We don’t allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

We have other convenient online Card Tools for your debit card, like text alerts, locking and unlocking your card, and more. You’ll be automatically enrolled to receive fraud alerts.

You may have received a call, text or email from our fraud prevention center due to suspicious activity on your Card. If they suspect your card security has been breached, they may suspend the use of your card until you validate the questionable purchases.

Always remember to file a Travel Notice before leaving the country or even your state, so we don’t block your card for suspicious activity. List all areas you may be visiting, including layover cities. Once the Travel Notice is submitted, you’ll receive a secure Message that it has been received. Please allow one business day for processing.

You can also manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

If you suspect your Stanford FCU card has been compromised, contact us immediately at 888.723.7328 so that we can help protect you.

If your personal identification number (PIN) isn’t working, you may need to reset it. There are multiple ways to reset your PIN.

In Digital Banking

• Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change.

By phone

• If you reside within the U.S.: You can reset your card PIN yourself by calling 888.891.2435. Be sure to call from the phone number we have on file at Stanford FCU.
• If you reside outside the U.S.: Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change. If you need further assistance, please call 650.723.2509 or 888.723.7328  to speak with a Member Care Team Specialist. 

You can visit one of our branch locations to have a new card issued instantly. If your card is lost or stolen, you can log in to Digital Banking to order a new card, grab the card info for online purchases, download the digital version to your wallet, and report your card lost or stolen. Don’t use this service if you need rushed delivery, are shipping to an alternate address, or you’re simply replacing a damaged card and want to keep the same card number.

1. Log in to Card Center in Digital Banking 
2. Click on Replace & Order Card
3. Follow the steps to submit your request and block your card
4. Return to Card Center to add your new card to your digital wallet and grab your card info for online shopping and updating any recurring payments
5. If you see suspicious transactions in your account history, visit Dispute Transactions in Card Center to report them to us

You can also block your card and receive a new one by calling 800.234.5354 (domestic) or 303.967.1096 (international collect).

If you simply need a replacement for a damaged card, please contact a Member Care Team Specialist at 888.723.7328 or send us a secure Message through Digital Banking to request a new card.

Take control of your cards with Card Tools!

Credit and debit cards are often a source of fraud, as retailers frequently experience data breaches and the card information they store becomes available on the black market. Stanford FCU has strong fraud prevention systems to help protect our members, but we also have tools to help you manage your own cards!

Check out the Card Tools that are available in Digital Banking and take control of your cards today!

If you already have a beneficiary on file, you’ll see the beneficiary name appear under Add As Beneficiary on the Account when you open a new deposit account in Digital Banking. Simply check the box next to the beneficiary name you wish to add to the new account.

You can also add and delete new beneficiaries through the Manage Beneficiaries tool in Digital Banking, use authenticated Chat through Digital Banking, call us at 888.723.7328, or schedule an appointment at our Virtual Branch.

Plaid is an online service that instantly links external accounts to your Stanford FCU bank account. Click here to access Plaid in Digital Banking.

There are two ways to link accounts:

1. Instant Auth. Plaid uses an instant authentication, which means you don’t have to wait on microdeposits before linking an external account. To use Instant Auth, sign in with your online credentials for your external account.
2. Microdeposits. If your external institution isn’t connected to Plaid, you can still use Plaid to link your accounts via Microdeposits. This will take 1-2 business days. To complete this process, you will need your account and routing numbers.

Some financial institutions scramble account numbers for security. This means you may not see your actual external account number in Digital Banking.

You can unlink an account through Profile & Settings.

Yes! You can open a savings or checking (spending) account without leaving the comfort of your home. Review our savings and checking account options first. Current members can open accounts through Digital Banking. Non-members can also join and open an account online.

• Everyday Spending
• High Yield Spending
• Student Spending
• Teen Spending

You can also become a member by opening a Savings or Money Market Account.

A canceled check is a check which has cleared the depositor’s account, and therefore marked “canceled” by the depositor’s financial institution. Copies of canceled checks can be used as proof of payment and are accessible for up to 7 years.

You can get a copy of a cleared check online. Just log into Digital Banking and search for the transaction in your transaction history. When you click on the check number, you should be able to view and print a copy of the cleared check.

Please note: You can view the past 18 months’ worth of transactions in Digital Banking. If you need a check copy prior to this time frame or a range of checks, you can use our Research Request option in Digital Banking.

You can check your account balances and transactions 24/7 by logging in to Digital Banking. Learn more about Digital Banking on our website.

Before you close your Stanford FCU account, please note that you’re a member for life, and we have hundreds of members doing business with us around the world! Our Visa debit and credit cards are international, with no foreign transaction fees. Let us know how we can serve you!

If you absolutely must close your account (and we hate to see you go), there are three options:

1. Close your account in Digital Banking
2. Sign a written request and mail it to Stanford FCU, c/o Account Closure, P.O. Box 10690, Palo Alto, CA 94303-0843
3. Visit a local Stanford FCU branch

Members also have access to 6,000 Co-op shared branches at other credit unions, where you can conduct transactions on your Stanford FCU accounts.

Your account number can be located:

• Within Digital Banking: Select the account, then click the three dots  > and select Account Details to view the Account Number
• On the bottom of your checks:
  
• Contact our Member Care Team at 888.723.7328, visit any of our branch locations, or send a secure Message in Digital Banking. For security purposes we will not include any account numbers via email.

You can close a checking (spending), savings or money market account in Digital Banking and direct us on what to do with the remaining account balance: Either transfer the balance to another Stanford FCU account where you’re the primary or joint owner, or have a Cashier’s Check mailed to you. Click here to close an account in Digital Banking.

You may close a Certificate on the maturity date or during the 7-day grace period that follows it.

Alternatively, you may close your account by calling 888.723.7328, sending a secure Message in Digital Banking, or visiting a local Stanford FCU branch.

A trust is an estate-planning tool used primarily to avoid the delays and costs of the probate process, which is what happens when someone passes away with only a will or no will.

Choosing and creating a trust can be a complex process; the guidance of an attorney with estate planning expertise is highly recommended.

Types of Stanford FCU Trusts

1. Revocable - at least one Trustor of the Trust must be a member of Stanford FCU
2. Irrevocable - either all of the Trustors or all of the Beneficiaries of the Trust must be members of Stanford FCU

Upon creating the agreement, the member transfers title to their Stanford FCU assets to be held in trust.

If you’ve created a trust agreement and would like to transfer title of your credit union assets to be held in trust, you will need to complete a Trust Agreement.

If you’re not yet a member and need to establish an account that you would like held in trust, you will need to become a member and complete a Trust Agreement.

Questions? Contact our Member Care Team at 888.723.7328 or schedule an appointment at a local branch.

Please click here for our fillable Trustee’s Account Agreement form, or Trust Agreement form.

A trust is an estate-planning tool used primarily to avoid the delays and costs of the probate process, which is what happens when someone passes away with only a will or no will.

Choosing and creating a trust can be a complex process; the guidance of an attorney with estate planning expertise is highly recommended.

Types of Stanford FCU Trusts

1. Revocable - at least one Trustor of the Trust must be a member of Stanford FCU
2. Irrevocable - either all of the Trustors or all of the Beneficiaries of the Trust must be members of Stanford FCU

Upon creating the agreement, the member transfers title to his Stanford FCU assets to be held in trust.

There are several ways to sign up for direct deposit:

1. You can sign up for direct deposit through your employer or through the government agency that issues your checks.
2. You can use our Non-Federal Direct Deposit Enrollment Request Form to assist your employer if needed.
3. You can also fill out a form provided by your employer or the government agency. You’ll need the following information:
   • Stanford FCU’s routing number: 321177722
   • Your account number (log in to Digital Banking, click on the three dots at the bottom of the account tile on the home page, and choose Account Details)
   • Our address: Stanford Federal Credit Union, P.O. Box 10690, Palo Alto, CA 94303-0843
   • Our phone number: 650.723.2509

Note: Your member number is not your account number. Each savings or checking account has a separate, unique account number. You can also find your account number on your checks:

However you sign up for direct deposit, you’ll get your money up to two days before payday, because we always post payroll as soon as we receive your direct deposit!

It’s easy to add or switch your direct deposit to Stanford FCU through your employer or the Social Security Administration. You can also use our Non-Federal Direct Deposit Enrollment Request Form to assist your employer if needed. You’ll need the following information:

• Stanford FCU’s routing number: 321177722
• Your account number (log in to Digital Banking, click on the three dots at the bottom of the account tile on the home page, and choose Account Details)
• Our address: Stanford Federal Credit Union, P.O. Box 10690, Palo Alto, CA 94303-0843
• Our phone number: 650.723.2509

 Once your company receives the information or form, the direct deposit switches typically take 1-2 pay cycles.

Check holds vary based on the length of membership and the check amount. Click here to request a Check Hold Release through Digital Banking.

All of our personal checking (spending) accounts are free, with no minimum balance or other requirements. For up-to-date information on our spending account requirements, visit our Personal Checking Account page.

Our Business Spending account does require a minimum balance to avoid a monthly service fee. For more information on Business Spending, visit our Business Checking account page.

You’ll also find that our account fees(link to Service Fees page) are considerably fewer and lower than the big banks!

Although this is the least secure and slowest way to make a deposit, you can mail a check for deposit to:

Stanford FCU
P.O. Box 10690
Palo Alto, CA 94303-0843

You can also stop by one of our branches, use a shared branch or deposit-taking ATM, or make a deposit with our Digital Banking.

Follow these steps to deposit a check through our Digital Banking:

1. Endorse your check by signing the back
2. Log into our Digital Banking, and go to Move Money or choose Deposit in the mobile app
3. Select the account to deposit into
4. Enter the check amount
5. Place your check on a plain, dark surface and capture the front, then back
6. Submit your deposit
7. Follow any additional prompts

Retain the check for 90 days before destroying.

Note: There is a maximum check amount of $50,000.

Although you can order checks from any vendor, we strongly recommend that you order them through Stanford FCU’s preferred vendor. This helps ensure quality and security to ensure there are no issues with your checks. And the first box of checks is free for new members!

If you previously ordered checks through Stanford FCU and your information has not changed, you may reorder checks in Digital Banking.

You can also visit any of our branch locations or call a Member Care Team Specialist at 650.723.2509 or 888.723.7328 toll free.

If you previously ordered checks through Stanford FCU and your information has not changed, you may reorder checks through Digital Banking by clicking here.

If any of your information has changed, you will need to contact us to place your order: Visit any of our branch locations, call a Member Advisor at 888.723.7328, or send a secure Message through Digital Banking.

Stanford FCU is proud to be a part of the Bank On coalition with our free Everyday Spending account.

Bank On is a national platform for the 501(c)3 corporation Cities for Financial Empowerment (CFE) Fund. Bank On supports financial institutions in providing safe and affordable bank or credit union accounts for everyone.

According to Bank On, nearly 4.5% of U.S. households don’t have a checking or savings account. That’s approximately 5.9 million U.S. adults! Reasons for not having a basic account could include a lack of trust in financial institutions, higher fees, not enough money for the minimum balance, or problems with identification or credit history.

Without a bank or credit union account, many “unbanked” Americans turn to alternative financial services, such as check cashers or pawn shops, often paying exorbitant fees in the process. By choosing not to put money into a stable financial institution with minimal fees, “unbanked” individuals have a harder time building wealth and economic stability. They’re also more likely to be victims of crime, since many keep significant amounts of cash on hand.

In order to prevent this, the CFE Fund and Bank On work with financial institutions to promote and encourage the availability of more low cost or free accounts.

In order to be part of the Bank On coalition, financial institutions must adhere to a set of National Account Standards. These standards are basic requirements to ensure consumers have access to safe and affordable accounts.

Your account balance is the total amount of money that is currently in your account, including any pending transactions (e.g., debit card purchases that have not cleared).

Your available balance is the total amount of money in your account that you can use for purchases and withdrawals, as it excludes pending transactions and check holds from your account balance. However, the available balance will not show checks that haven’t been cashed or deposits which haven’t posted.

You should always use the available balance to determine how much money you have available for purchases and withdrawals. Otherwise you might overdraw your account if you spend based on your account balance and it is higher than your available balance.

There are options available to protect you from an overdrawn account. Learn more about our overdraft protection options.

If you don’t have enough money in your account to cover a check, debit card purchase, recurring debit card or ACH transaction, your financial institution can either reject the transaction or cover it for you. When they cover or protect you from overdrawn accounts, it’s called “overdraft protection”. This can sometimes be embarrassing and expensive because most financial institutions charge a fee. In the case of a bounced check, the check recipient may also charge a fee.

There are three ways to manage transactions when there are insufficient funds:

• Reject the transaction  - The financial institution can simply decline the transaction or send back a check you wrote. Note that the check or ACH can be re-submitted, and it will only process when you have enough money in your account. Many financial institutions charge a non-sufficient funds (NSF) fee for rejected items, but Stanford FCU does not.
• Account-to-account transfer - You can link your other accounts at the same financial institution to automatically transfer money into your account to cover a transaction when there isn’t enough money. At Stanford FCU you can set up your savings, money market or credit card to cover checks and ACH items. Most banks charge for these automatic account-to-account transfers (and for cash advance fees if you link to a credit card), but Stanford FCU does not, and never has.
• Courtesy Pay - You can opt into allowing your financial institution to cover transactions when you don’t have enough money, and they will charge a fee for each transaction. At Stanford FCU, Courtesy Pay will cover check, debit card, and ACH transactions. Courtesy Pay is free for transactions under $10, and will cover up to four transactions per day with a Premium OD/Courtesy Pay fee. Our fees are listed on our Schedule of Fees(link to Service Fees page).

Avoid rejected transactions with overdraft protection! Call 888.723.7328 or use Chat to set up account-to-account transfers and opt into Courtesy Pay to protect yourself if your account goes negative.

You can open a savings or checking account at the same time you become a member. Once you become a member, you can open additional accounts and apply for loans through Digital Banking. You can also open accounts at any Stanford FCU branch.

Yes! To find a deposit-taking ATM near you, please use our ATM and Branch Locator. You will find a list of our branches and thousands of fee-free and deposit-taking ATMs throughout the country.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Funds from deposits (cash or checks) made at ATMs that we do not own or operate may not be available until the fifth business day after the day of the deposit. If the deposit is made at a non-Stanford FCU ATM, we may also extend the hold depending on the type of check deposited.

You can also make deposits electronically using mobile deposit within our mobile app. Just download the Stanford FCU mobile app from the App Store or Google Play, then follow the prompts to enroll.

The maximum daily ATM withdrawal is $500. If you need to withdraw more, please call us at 888.723.7328 or visit a branch.

Out of town? No problem!

For your convenience, we participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Stanford FCU accounts at other credit unions and ATMs throughout the country as if you were at your local branch (with some service restrictions).

For a list of participating shared branch locations, please visit our ATM and Branch Locator.

You can get a free Cashier’s Check from a local Stanford FCU branch, any shared branch in the U.S., or request one through Digital Banking (if the check will be payable to you). You’ll receive an email confirmation after your request is received, and you should receive your check within 7 to 10 business days.

If you need a Cashier’s Check made payable to another person, you can use Chat or send a secure Message through Digital Banking.

We absolutely will accept coin deposits! We do not have coin counting machines, so you will need to roll your coins before you bring them in for deposit.

You can find a Stanford FCU branch or fee-free ATM near you by visiting our ATM and Branch Locator.

Questions? Contact us at 888.723.7328 or use Chat.

It’s easy to get even more value from your Stanford FCU membership - just deposit your payroll with us or use our debit or credit card for your everyday expenses to access your Loyalty+ rewards (formerly Membership Rewards)!

At Stanford FCU, we want to help you make the most of your banking experience. That’s what Loyalty+ is all about. You get more value when you do more business with us. There are two levels of membership based on your engagement: Partner and Ambassador.

You’ll enjoy exclusive benefits like bonus deposit rates, loan discount rates, and unlimited free worldwide ATMs.

Learn more on our Loyalty+ web page, and view your Loyalty+ status in Digital Banking.

If you are a member of Stanford FCU, then all Stanford FCU ATMs are free! If you are a member of the Co-op Shared Branch Network, then our ATMs are free for you as well.

Stanford FCU members with Student Spending accounts and members with an Ambassador relationship get free unlimited worldwide ATMs, with all ATM fees reversed.

All Stanford FCU members have access to 30,000 fee-free ATMs nationwide. Use our ATM Locator to find one near you.

If you use your debit card, you can also receive cash back at no charge when you make a purchase at a retail location.

If you are a non-member you will be charged $3.00 per transaction (unless you are a member through Co-op). The only time our members will be assessed an ATM fee is when you withdraw cash from an ATM that is not in our network (the fee will be charged by the other bank, not Stanford FCU).

Please refer to our Schedule of Fees for a complete list of fees.

Stanford FCU does not charge our members to use non-Stanford FCU ATMs, however the owner of the other ATM may charge a fee. We waive those bank fees for members with Student Spending Accounts, and those with an Ambassador or Partner Loyalty+ relationship (and provide other benefits!). All members can find over 30,000 fee-free ATMs by using our ATM and Branch Locator.

There are no fees for replacing a lost or stolen card.

You can view our current ATM and Debit Card fee(s) on our Schedule of Fees. All fees are subject to change without notice.

Stanford FCU charges a monthly $5.00 inactivity fee for an account with less than $2,500 and no activity for the past 12 months. For current information about our fees, please see our Schedule of Fees.

The inactivity fee was disclosed in the Member Agreement you received at the time you opened your account. If you have other active accounts or loans, you will not be charged this fee.

Avoid Inactivity Fees

You can avoid the fee by making at least one transaction every six months, or opening other active accounts such as:

• New and used auto loans – consider refinancing an existing loan to lower your monthly payment
• Rewards Credit Cards with no foreign transaction fees, balance transfer fees, or annual fee (and you’ll earn rewards on every purchase)
• Home loans you can trust, with great rates and personal service
• High-rate Money Market and Certificates help you earn more
• Investment products to help your savings grow

We do not have money orders. Members can get a Cashier’s or official check, and there is no fee. You can get a free Cashier’s Check from a local Stanford FCU branch, any shared branch in the U.S., or request one in Digital Banking if the check will be payable to you. If you need a Cashier’s Check made payable to another person, you can send a secure Message through Digital Banking.

There’s no fee for Stop Payments! For security purposes and faster service, we recommend that you complete your Stop Payment requests in Digital Banking:

• Click here to place a Stop Payment of a check or checks
• Click here to place a Stop Payment or Dispute an ACH transaction

After your request has been received and processed, you will receive confirmation through a secure Message in Digital Banking.

There is no fee for a Cashier’s or Official Check for our members! You can request one in Digital Banking if it’s payable to you, stop by one of our branches, call us at 888.723.7328, or send a secure Message through Digital Banking to get your Cashier’s Check today!

An insufficient funds fee (sometimes referred to as a non-sufficient funds fee or NSF fee) can occur when you don’t have enough money in your checking (spending) account to cover the entire transaction. Most financial institutions will reject the transaction and charge a fee. Stanford FCU will reject the transaction, but we won’t charge a fee.

An uncollected funds fee can occur when there are pending credits to your account (like a deposited check that has yet to clear), and you try to make a purchase for more than your available balance. Although there are funds on deposit, a transaction may be declined because the purchase would overdraw the account. Since the check has not cleared, a financial institution cannot guarantee those funds.

As a best practice, always use your available balance as a guide for writing checks, withdrawing cash and making purchases. You can monitor your available balances through Digital Banking.

There are options available to protect you from an overdrawn account. Learn more about our overdraft protection options.

Our mobile check deposit service leads the industry with its patented agile risk management tools and proprietary image technologies to ensure your transaction is secure. For added protection, the images of your checks are not stored on your mobile device. Mobile deposit is much safer than mailing a check, and faster than driving to a branch or ATM to deposit it.

Mobile deposits are subject to verification, and funds may not be available immediately. Once the deposit has been received, you’ll be able to view the pending transaction through Digital Banking. In most cases, checks will be deposited the same day.

You can also request a Check Hold Release through Digital Banking. Click here.

Ready to make a mobile deposit? It’s easy!

Follow these steps to deposit a check:

1. Endorse your check by signing the back
2. Log in to the mobile app and select Deposit from the very bottom
3. Select the account to deposit into
4. Enter the check amount
5. Place your check on a plain, dark surface and capture the front, then back
6. Submit your deposit
7. Follow any additional prompts

Retain the check for 90 days before destroying.

Please note: There is a maximum check amount of $50,000.

Depositing checks with your smartphone or tablet is easy with Stanford FCU’s convenient mobile app!

Follow these steps to deposit a check:

• Endorse your check by signing the back
• Log in to Digital Banking, and select Deposit from the quick links at the bottom
• Select the account to deposit into
• Enter the check amount
• Place your check on a plain, dark surface and capture the front, then back
• Submit your deposit
• Follow any additional prompts
• Retain the check for 90 days before destroying.

Note: There is a maximum check amount of $50,000.

The following types of checks are accepted with mobile check deposit:

• Personal checks
• Business checks
• Government/Treasury checks
• Cashier’s checks

Note: The check must be from a United States financial institution and in United States currency.

A Digital Card is a copy of your regular credit or debit card that’s available in Digital Banking’s Card Center. No more waiting weeks for a plastic card to arrive by mail - your card number, expiration date and CVV are available for your online shopping, subscription services, and loading into your mobile wallet.

Whether you’re waiting for your first card or a replacement card, your Digital Card is available within two days:

1. Visit Card Center in Digital Banking
2. Click on Digital Card Controls at the very top
3. Enter the secure access code that will be sent to confirm your identity

Activating your plastic card

Your regular plastic card will be mailed to your primary address and there are three easy ways to activate it. Do not activate your plastic card before it arrives! Mail theft could put your account at risk.

1. Activate your card online:
   • Visit Card Center in Digital Banking
     
   • Click on Digital Card Controls at the very top
   • Enter the secure access code that will be sent to confirm your identity
   • Click on Activate Card
   • Select the card from the dropdown
   • Enter the expiration date and CVV on your card
   • Click Submit
2. Activate your card by calling 888.691.8661 from the phone number we have on file for you and follow the prompts (you can verify or update your phone number in the Profile & Settings section of Digital Banking).
3. Activate your card at an ATM or by making a point of sale (POS) purchase - use this method only if you have your PIN.

Digital Card: use your card right away! Watch now.

There could be many reasons why this is happening. Please call a Member Care Team Specialist at 888.723.7328 toll free. You can also use Chat during business hours to resolve the issue.

If you’re traveling out of state or out of the country, be sure to set a Travel Notice so we don’t block your credit or debit card. List all areas you may be visiting, including layover cities. Once submitted, you should receive a secure message that it has been received.

We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

Stanford FCU credit and debit cards have NO foreign transaction fees - this is great for international travelers!

Plus, you earn cash back or rewards points on all credit card purchases.

Traveling Abroad?

We offer a foreign currency exchange service, which makes it safe and easy to purchase foreign currencies at a branch.

To set a Travel Notification on your card: Submit a travel notice in Digital Banking and list all areas you may be visiting, including layover cities. Once submitted, you should receive a secure message that it has been received.

Please allow at least one business day for processing. The more advance notice you can provide, the better. If you already started your trip, please call 888.723.7328 for assistance.

Note: We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

Exchange rates are calculated in global currency markets. The reasons for fluctuations in exchange rates include inflation, interest rates, budget deficits, public debt, trade policy, political stability, and economic performance. 

If you are traveling out of state or out of the country, be sure to set a Travel Notice so we don’t block your credit or debit card.

To set a Travel Notice on your card:

1. Log in to Digital Banking
2. Click Services > Submit Travel Notice, then follow the prompts (list all areas you may be visiting, including layover cities)
3. Once the Travel Notice is submitted, you will receive a secure Message that it has been received

Please allow at least one business day for processing. The more advance notice you can provide, the better. If you already started your trip, please call 888.723.7328 for assistance.

We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.