FAQs

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.

You can automatically generate a verification of deposit letter in Digital Banking! Click here.

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.

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.

Stanford FCU is taking your Digital Banking security to the next level with our Secure Access Code (SAC). A SAC is a 6-digit numeric systematic code. The SAC will be sent to a phone number that we have on file for you (text or call), so if a fraudster is attempting to access your accounts, we will be able to prevent access. A SAC is required the first time you log in to Digital Banking with a new device, and may be sent with other high-risk transactions like wire transfers and password changes.

DO NOT share a SAC with anyone. Fraudsters may pretend to be a Stanford FCU employee calling to warn you about an urgent problem with your account. We will never call you and ask for a SAC, PIN or password.

If your code expires, you can request another SAC. If you have any issues, please call us at 888.723.7328. 

If you enter incorrect login information several times in a row, your account will be locked for security reasons. You can use the Unlock link located right below the login box, then use the Forgot Password link located next to it.

You will then choose a verification method for us to send you a Secure Access Code. Once you enter the Secure Access Code, you’ll be able to change your password. This ensures that a fraudulent person is not trying to gain access to your accounts. Do not share the Secure Access Code with anyone!

You can change your passwords any time within Digital Banking or the mobile app.

You can also set up your login with a fingerprint or face ID, so you don’t need to worry about remembering a password!

Yes! We offer a wide range of different real-time alerts that you can add or remove to any of your deposit or loan accounts! Through our Digital Banking, you can manage and control your account alerts.

You can choose from many options with a one-time enrollment, and opt into receiving your alerts via email and/or SMS text. Note that adding, changing or deleting email addresses and phone numbers in Account Alerts will only impact the alerts. If you need to update the information we have on file for you, please go to Profile & Settings to Update Contact Information.

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 forget your password, you can reset it yourself by clicking on the Forgot Password link just below the login box.

Then choose a verification method for us to send you a Secure Access Code. Once you enter the Secure Access Code, you’ll be able to change your password. This ensures that a fraudulent person is not trying to gain access to your accounts. Do not share the Secure Access Code with anyone!

You can change your passwords any time within Digital Banking.

Note: After several failed login attempts, your account will be locked for security reasons. If you do not remember your password after the first or second attempt, it’s best to use the “Forgot Password” option and follow the prompts to reset your password.

If you are locked out of Digital Banking, you can use the Unlock link located right below the login box.

You can use your same Digital Banking credentials or enroll directly on the mobile app using the Enroll link at the bottom.

If you forgot your password, open the mobile app and click the Forgot your password? link. You’ll be prompted to enter your Login ID. Then you’ll choose a verification method so a Secure Access Code can be sent to you. Once you enter the Secure Access Code, you’ll be able to change your password.

If you need further assistance, please contact us at 650.723.2509 (local) or 888.723.7328 toll free.

You can update your Secure Access Code (SAC) Delivery in Digital Banking under Profile & Settings > Manage login credentials.

Remember to never share your SAC with anyone, not even a Stanford FCU representative. The only time we’ll ask for a SAC is if you call us and we need to verify your identity by sending a SAC for verification.

Your CashBack+ digital gift cards are available in your CashBack+ wallet within Digital Banking, and they never expire! You’ll also receive an email confirmation with instructions and a PIN to redeem your gift card yourself or forward to a friend.

You can also follow these steps to view and redeem your gift cards and balances. Once you start using a gift card, you’ll need to check with the merchant on the remaining balance. Visit CashBack+ in Digital Banking, then select the Wallet icon at the top to see your gift cards. For online purchases, enter the Gift Card Code. For in-store purchases, use the QR code.

You can find your cashback balance at the top of the CashBack+ homepage. When you’re ready to use it, transfer it to your Stanford FCU spending or savings account, or redeem it for another gift card to stack even more cashback.

Questions? Please email CashBack+ directly at [email protected].

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.

There are two ways to change your contact information:

1. Through the Update Contact Information service in Digital Banking (or watch video)
2. In Person – Make an appointment at a local branch to update your information. Please bring a photo ID such as a Driver’s License for identification.

If you need to change your name, please contact us by calling 888.723.7328, use Chat during business hours, or send a secure Message in Digital Banking so we can provide you with the appropriate forms and advise you on the documentation needed to protect your accounts.

Find your Loyalty+ rewards status on the main landing page in Digital Banking. Click on the tile to view complete information about your status.

The more accounts and services you use, the more benefits you receive!

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 with us!

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

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

Round Up is an easy way to make every debit card purchase work a little harder for you. When you use your debit card, your purchase is rounded up to the nearest dollar, and the spare change is put toward what matters most to you.

In Digital Banking, you decide where those Round Up amounts go. You can:

• add them to your savings to grow your balance automatically
• donate them to verified non-profits you care about
• or split them between saving and giving

You’re always in control. You can set, change, or pause your Round Up preferences anytime in Digital Banking. It’s a simple, automatic way to save more, give back, or do both - without changing how you spend.

Are Round Up donations tax deductible? 

Yes. All Round Up donations are tax deductible. A donation receipt will be available in Digital Banking by the 5th business day of each month and can be easily downloaded for your tax records.

Can I choose any spending account for Round Up?

You’ll need to select a spending account that has an active debit card linked to it. Only debit card purchases from that account qualify for Round Ups.

Haven't signed up for Digital Banking yet? 

You can view your account history, transfer funds between your accounts, make a loan payment, access Bill Pay and eStatements...and more! Sign up for Digital Banking today to handle all your personal banking in one convenient and secure place.

CashBack+ actions allow you to earn cashback by completing specific tasks set by your credit union. To earn cashback, activate the action and complete the required task. Once verified, the cashback will be credited to your account balance.

You can go to the Actions tab within CashBack+ to view and activate any available actions, and click on ‘View details’ on the action to learn more about how to complete the action and track your progress. You should check your actions monthly, although we may add actions more frequently. Not all members will always have available actions to complete. Don’t forget to look at the expiration date when you activate an action.

Once the actions are completed and approved, your cashback will be added to your cashback balance monthly. You may see “payout processing” which means you completed your actions and are awaiting the cashback to be added to your balance in the next payout cycle.

CashBack+ is a rewards benefit offered in Digital Banking. Earn instant cashback by completing actions and by doing your everyday shopping with digital gift cards.

It’s an experience that’s designed to reward engagement with us. Membership pays!

You can earn cashback rewards by purchasing digital gift cards to pay for your orders in-store and online. You can also earn by completing reward actions offered periodically in Digital Banking.

You can always see your cashback balance at the top of the CashBack+ homepage in Digital Banking. When you’re ready to use it, you can transfer your cashback to your Stanford FCU spending or savings account with no minimums, or redeem it for another gift card to stack even more cashback.

Cashback is earned instantly, and there are no limits on how much you can earn.

If you already have joint owners on an existing account, you can add them when you open a new account in Digital Banking. You can add a joint owner to an existing account at a local Stanford FCU branch or via Zoom at our Virtual Branch.  You’ll need a copy of your joint owner’s picture ID or Passport.