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Routing # 314092128

Frequently Asked Questions

How do I enroll and use Zelle®?
You can send, request or receive money with Zelle®.

  • To start using Zelle® at Synergy Federal Credit Union, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to Online Banking or our mobile banking app. Locate the Transfer Money tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money With Zelle®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.
  • To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®.
  • To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request." If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
  • To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

How do I receive money that someone sent me with Zelle®?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

  • Click on the link provided in the payment notification you received via email or text message.
  • Select Synergy Federal Credit Union.
  • Follow the instructions provided on the page to enroll and receive your payment.
    Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle®using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team (888) 272-8228 and ask them to move your email address or U.S. mobile phone number to Synergy Federal Credit Union so you can use it for Zelle®.

Once member support moves your email address or U.S. mobile phone number, it will be connected to your Synergy Federal Credit Union account so you can start sending and receiving money with Zelle® through the Synergy Federal Credit Union mobile banking app and online banking. Please call Synergy Federal Credit Union's member support toll-free at (888) 272-8228 for help.

Is my information secure?
Keeping your money and information safe is a top priority for Synergy Federal Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your bank account to another person's bank account within minutes, 1 Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither Synergy Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I want to send money to someone whose financial institution doesn't offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa®or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Can I use Zelle® internationally?
To use Zelle®, the sender and recipient's bank accounts must be based in the U.S.

Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call member services at (888) 272-8228 so we can help you.

What are scheduled and recurring payments?
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Synergy Federal Credit Union but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Are there any fees to send money using Zelle®?
No, Synergy Federal Credit Union does not charge any fees to use Zelle®. Your mobile carrier's messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Synergy Federal Credit Union send limits, call our member service at (888) 272-8228.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Copyright © 2023 Synergy Federal Credit Union. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Synergy Federal Credit Union
P.O. Box 691730
San Antonio, TX 78269
(888) 272-8228

What is the purpose of a credit union?
The primary purposes are to encourage members to save money and to offer loans to members. Credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

Are savings deposits insured?
Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Synergy FCU also carries Excess Share Insurance for members. ESI covers accounts for an additional $250,000, on top of the NCUA coverage.

If I make a transfer, or withdrawal, how soon are the funds transferred or taken out of my account?
As soon as you make a transaction, the results can be seen immediately by viewing the balance screen.

What is the maximum amount that I can transfer or withdraw at one time?
The maximum amount that can be transferred through Online Banking at one time is $9,999.99. The maximum amount that can be withdrawn from an ATM (Automated Teller Machine) is $800.00 per day.

Do I receive confirmation of my activities?
You will receive an on-screen confirmation when you perform a funds transfer in Online Banking. Transactions can also be viewed on the History screen.

What information do I need to have ready when I contact Synergy Federal Credit Union with a problem or question?
In order for Synergy Federal Credit Union to assist you as efficiently as possible, try to have the following information available when contacting us:

  • Date and time of problem
  • Operating system of the computer
  • Browser type and version
  • If an error message occurred, try to write down the exact error message
  • The steps you took that resulted in the error

How does Bill Pay pay my bills?
For each payment you authorize, Bill Pay will make an electronic deduction from your checking account and send a check or electronic payment to your Payee - depending on the type of payment accepted by that Payee.

Do I have to use Bill Pay every bill?
No. You can choose which bills you want to pay through Bill Pay. For your convenience, we encourage you to pay all your bills online but it's not required.

How long does it take for the Bill Pay Payee to receive my payment?
The Payee will receive payment depending on how the Payee accepts payments. If payment is sent by electronic transaction it should arrive in three business days. If the payment is sent by check, it should arrive in five business days.

What is Card Center?
Card Center is a portal that allows you to fully mange your debit and credit cards. Our enhanced card management options allow you to:

  • Lock/unlock your cards
  • Limit transactions by location, merchant, transaction type or dollar amount
  • Easily add cards to mobile wallets (Apple Pay® and/ or Google Pay™)
  • View subscriptions tied to a card and see where cards are stored online
  • Stay informed with alerts
  • View your spending via easy-to-read graphs
  • Get in-depth transaction details
  • Report lost or stolen cards
  • Quickly identify and report fraudulent transactions
  • Set up and manage travel plans
  • Access your new card before receiving it in the mail
  • Activate your card when it arrives

How do I get started?
Simply log in to our Mobile Banking app and tap “My cards” to get started.

Can I add other financial institutions’ debit or credit cards to the Mobile App?
No, only our institution’s credit/debit cards are supported.

Can multiple cards be linked to one Mobile Banking account?
Yes, multiple cards from our institution can be accessed via one Mobile Banking account.

When I receive a reissued or replacement card, will I have to update the cards within the application?
No, the card will be automatically updated within our Mobile Banking app.

What if I don’t see “My cards” in the Mobile App?
Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

What type of transactions are displayed?
Transactions made with your cards are displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included. This enriched data includes the merchant’s name, logo, address and more.

Does the app show recent transaction history?
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

A spend limit of $50 has been set, but my card gets denied at some gas stations. Why?Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied.

What’s the difference between “Card on File” and “Recurring Payments”?
“Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

I see a transaction I don’t recognize. What should I do?
Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen.

What card controls are available?
Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

Can I block all international transactions?
Yes. International transactions can be blocked under location controls. All transactions outside of your specified country of residence will be blocked.

Will changing location controls, merchant controls, and spend controls impact previously authorized recurring transactions?
Previously authorized recurring payments will not be affected by the card controls.

How long does it take for a control or alert setting to take effect?
Control settings take effect immediately.

How are alerts delivered?
Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

If I have set an alert for international transactions but no controls are set, will I receive alerts for all international transactions?
Yes, an alert will be sent for all international transactions, whether they are allowed or denied.

If I set multiple alerts and a transaction triggers more than one, will I receive a separate message for each alert?
No, alerts will all be included in one message. Can I turn the low balance alert off? Yes, the low balance alert is controlled on a cardholder level.

Can I add my card to Mobile Wallets?
Yes, the app currently supports Google Pay™ and Apple Pay®.

My card was damaged/lost/stolen. What should I do?
If your card was damaged, follow the instructions under “Replace Card.” To report a lost or stolen card, follow the instructions under “Report Lost or Stolen.” Your new card will be sent to the address we have on file for you.

I will be traveling several times in the next year. Can I enter all of my travel plans at once?
The app allows you to set two travel plans at a time with a maximum duration of 90 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 90 days.

Apple Pay is a trademark of Apple, Inc., registered in the U.S and other countries and regions. Google Pay is a trademark of Google, LLC. 

How do I set my PIN?
You will not receive a PIN in the mail. You can select your unique PIN by

  • Choose Select PIN, under the Manage Card section on the credit card website.
  • Calling the number on the activation label, (855) 553-0910, and choosing the PIN option.

What is EMV?
EMV stands for Europay, MasterCard®, Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as "chip and signature."

Will all merchants be able to accept my EMV (chip) credit card?
Yes. Your card will be accepted at all merchant locations.

I have other users on my Synergy FCU Family credit card, will we receive separate cards?
Yes. As a security feature, all cards being issued will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.

Where do I mail my payments?
If you pay this bill through online bill payment or physical mail. If you choose the physical mail, the mailing address to P.O. Box 2711, Omaha, NE 68103-2711.

Can I enroll in E-statements?
Yes. On the credit card website, go to the Statements page. There you will find the option to set up electronic statements.

How do I make online payments?
Your credit card information can be accessed through the credit card website inside Online Banking. You can track your activity and make payments.
Another option is to transfer money from your account to your credit card.

If you do not have online banking, you can access the credit card website here. You will be required to register for the site.

Can I earn rewards with my credit card?
If you have the Platinum Rewards credit card, you can enroll in UChoose Rewards.

How do I get to the credit card website?
The easiest way is to log into Online Banking. Your credit card is listed as one of your accounts. You simply click on the card there and the credit card website will open.

How do I get to the credit card website if I am not enrolled in Online Banking?
You can log in here. You will have to register to use this site outside of Online Banking.

What 4 digits are showing?
The 4 digits shown are your internal account number for your credit card. Inside the website, you can see the last 4 digits of your actual card number. The rest of your account number and card number is masked for privacy.

Can I dispute a charge?
Yes, on any transaction you believe to be fraudulent.

What can I do on the Accounts page?

  • Review your available balance and credit limit.
  • Review your last payment.
  • Review your recent transactions.
  • Dispute a charge.

What can I do on the Payments page?

  • Review your transactions.
  • Make a payment.
  • Set up autopay.
  • Manage where your payments come from.

What can I do on the Statements page?

  • Set up electronic statements for your credit card bill.
  • Download and print your past statements.

What can I do on the Manage Card page?

  • Manage alerts for your credit card.
  • Request to replace a damaged card. If your card is lost or stolen, please call 855-553-0910.
  • Create a new PIN.
  • Do a free balance transfer.
  • Activate a new card.
  • Set travel alerts.

What can I do under my profile?

  • Update your contact information.

Where do I sign up to transfer funds?
External Transfer can be found inside Online Banking, under the Transfer tab.

Is there a cost to transfer money?
Standard transfers are free for members. Expedited transfer cost $3.00

How are my external accounts verified?
As a part of the registration process, 3 test deposits will be done, all less than $1, into your external account. You'll use those deposit amounts to verify your account. Inside the External Transfer screen, click on Preferences to go to the verification screen.

What accounts can be connected with External Transfer?
Primary account holders can connect to external checking, savings, and/or brokerage accounts. Primary Synergy FCU members can be primary or joint on the external account.

What are the cutoff times?
Transfers times could vary. Look at the Fees and Delivery info link while scheduling your transfer for specific times. Typical cut off times are 8:00pm CST for Next-Day and 12:00am for Standard.

I am not getting the verification email?
Check your spam folder. If you have an AOL email address, you may not see the verification emails. AOL's email program sometimes blocks the verification email from getting to you. Consider using a different email address when using External Transfer.

How do I update my email address?
External Transfer will use the email address you have set up for Online Banking. To update your email address, use the My Settings section inside Online Banking.

What is Mobile Deposit?
Mobile Deposit allows you to deposit checks to your savings or checking account using the camera on your mobile device or iPad through the Synergy FCU Mobile App. 

How do I deposit a check with Mobile Deposit?

  • Select the “Deposit” icon within the Mobile Application.
  • Tap “To” and choose either the Share Saving or Checking accounts you want to send your deposit to.
    •  Note:  Check Deposits can only be deposited to either your Regular Savings or Checking accounts. If you want the deposit to go to a special savings account within your account number, you should transfer it to the account after the deposit is posted.
  • Enter the check amount, then tap “done”.
  • Tap on the camera image and take a photo of the front of your check, making sure the image is in focus and within the guide-lines on your screen.
  • Make sure all the edges of the check show and the amount is visible, Tap on “Keep picture”.
  • Flip to the back of your check. Endorse, write “For Mobile Deposit” & your account number on the back of the check.
  • Take a photo of the back of your check, making sure the image is in focus and within the guide-lines on the screen. Tap “Keep picture”.
  • Once you’ve reviewed that the front and back photos can be seen clearly, Tap “Deposit” to submit the check for deposit.
  • Keep your original check in a secure location for 60 calendar days before destroying it.

Are there any fees associated with using Mobile Deposit?
Currently, there is no fee or charges assessed by us for you to enroll in or use the Mobile Deposit service.  You may, however, incur charges to receive internet service on your mobile device. You may also incur charges from your wireless carrier when sending and receiving text messages.  You will be solely responsible to your wireless carrier for any such internet or text messaging charges.

How do I get access to and or enroll for Mobile Deposit?
Simply log into Synergy FCU’s Mobile Banking App on your iPhone® or Android™ mobile device and select “Deposit Checks” then “Accept” the Terms and Agreement.  Members must first qualify before being approved to use Mobile Deposit. 

What are the qualifications to use the Mobile Deposit service?

  • Must be at least 18 years of age
  • Must be a member in good standing
  • Must qualify for Share Branching
  • Must qualify for Over Draft Protection
  • Must have an active Online Banking account with Synergy FCU
  • Must have a current email address listed on Online Banking contact information

Are the deposits made using the Mobile Deposit product secure?
Transactions made using Mobile Deposit are safe and secure.  We use a 128 bit encryption. It is very important that you take appropriate steps to protect the security of your phone as well, such as:

  • Password protect your mobile device
  • Keep your mobile device in a secure spot when not in use
  • Secure your login information
  • Notify Synergy FCU immediately if you think your login information has been compromised

Can I view check images from my deposits on my phone?
As part of the security measure, images are not available for you to view on the phone after you have submitted the deposit.

May I enroll more than one Synergy FCU account for Mobile Deposit?
Yes, you may enroll as many accounts as you like as long as the account meets our qualifications.

Do I need to use a deposit slip to make a deposit through Mobile Deposit?
No, you only need to take a picture of the front and back of the check being deposited. 

What type of checks will not be accepted for deposit?

  • Third party checks - Checks payable to someone else, endorsed and signed over to you.
  • Incomplete checks – Checks that do not contain signatures of the maker.
  • Non-Negotiable Items – The online deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED.  Online deposits of this nature may subject you to criminal prosecution.
  • Checks payable to two parties and one or both are not on the account.
  • Returned Checks – Any check that you deposited that has been returned to us not payable as a result of insufficient funds, stop payment, or other related reasons.
  • Altered checks - Any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.
  • Checks that are stale-dated or post-dated - certain checks contain instructions such as: “Void 90 days after issue date”. If no instructions are contained, then the check is stale 6 months after the issue date.
  • Savings Bonds
  • Foreign Checks - Checks drawn on a financial institution in a foreign country or in foreign currency
  • Temporary Checks
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Checks that have previously been submitted through this service or through a remote deposit capture service offered at any other financial institution.

How many checks can I deposit using Mobile Deposit?
You can deposit as many checks as you’d like up to the per deposit limit shown when you registered. However, you can only deposit one check at a time. Remember, limits can potentially change regularly and are not guaranteed.

Note: When you tap on the deposit checks tab you will see the maximum $ amount you can deposit per check.

What happens if I have a check that exceeds my limit?
Mobile Deposit will not allow you to take a picture of the image if the check exceeds your limit.  You can call the credit union during regular business hours to request an increase to your limit.  If your account is in good standing, the increase may be approved.  You can also deposit items over your current limit at one of our Synergy FCU branches or Shared Branches, or mailed to Synergy FCU/PO Box 691730/San Antonio, TX 78269-1730

What should I do with the check once it has been submitted for Mobile Deposit?
Upon receipt of a confirmation from Synergy FCU that the deposit has been received and accepted, prominently mark the check as “Electronically Presented” to ensure that you don’t attempt to redeposit it for payment.  You will need to retain the check in a secure location for 60 calendar days after the date of the image transmission.  Do not write “VOID” in the event that the image of your check cannot be processed, or a possible deposit dispute.  We may ask you to redeposit the item using mobile deposit or ask you for the original item.  After that 60-day period it is recommended that you destroy, shred or properly dispose of the original check.

The photo of my check keeps getting rejected.  What can I do?
Below are a few tips on taking photos of your check.

  • Flatten folded or crumpled checks before taking your photos.
  • Take photos in a well-lit area and place the check on a solid dark background.
  • Keep your phone flat and steady above the check and hold the camera as square to the check as possible to make sure all of the corners are captured inside the guidelines.
  • Make sure the entire check image is visible including all corners and the MICR line (numbers on the bottom of your check).

My phone won’t let me take a picture of the check, why?
Your phone my not be compatible with the Mobile Deposit service.  This is rare, but usually has to do with the camera in the phone.

When will my deposit be credited to my account?
If you submit a deposit on a business day between 8:00 am - 2:00 pm CST, the deposit will be credited to your account on the same business day. If submitted after the cut-off time of 2:00 pm CST, the deposit will be credited on the following business day after 8:00 am CST.

Note:  Non-posting days will include holidays recognized at the Synergy FCU Main office location.

When are the funds deposited available for me to use?
Funds are generally available when we post it, but depending on the type and amount of check deposited a hold of 5 to 10 business days can be placed on the deposit.

How will I know when my deposit is received?
You will receive a confirmation message via email when the deposit has been successfully transmitted.

How should I endorse the check?
The back of each check must include:

  • Your signature
  • Your account number
  • The words “For Mobile Deposit”

PLEASE NOTE:  If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.

What happens if I forget to endorse the check?
Unendorsed checks will be rejected.  After you receive the email notification that the item is rejected, you can endorse the check and deposit it again through Mobile Deposit.

Who can I contact if I have additional questions?

Helpful Hints

  • All funds may not be immediately available after the deposit is posted.
  • Below the endorsement on the back of the check, write “for mobile deposit.” This helps us to better assist you should you need to bring the check to a branch for any reason.
  • The photograph will be automatically cropped and converted into black and white.

When taking the check image:

  • Use in a well-lit area, free of any clutter, to prevent shadows or poor image quality.
  • Keep hands clear of the check while taking the image to avoid pictures of fingers/hands.
  • Bright but indirect light is best.  Placing the check to close to lighting sources may cause shadows.
  • Any surface of a solid color that contrasts with the check is best.  Use a dark color surface for light checks and a light color surface for dark checks.
  • Make sure that the bottom of the check is aligned within the base guide-lines on the camera when taking the picture.
  • Make sure the entire check appears inside the guide-lines.

After taking the check image, ensure the following:

  • The front and back images are taken and are in the proper sequence.
  • The front and back images show the entire check.  There should be nothing else in the images.
  • The payee name, dollar amount, date, MICR data (these are the characters at the bottom of the check), and other details are clearly legible on the front of the check image.
  • The back image must have a proper endorsement and account number clearly visible and the words “for mobile deposit.”

Error Images:
You may receive an error or warning message while capturing or submitting the check image.  To replace the image(s) that are generating the error message tap the Back button to navigate to Step 2 (front check image) or Step 3 (back check image) and retake the image. You should not have to recapture both images if there is a problem with only one of them.  For image errors, it is REQUIRED to replace the image by taking a new photo.

The following may cause image error messages:

  • Folded Corners. The check has one or more corners folded or improper lighting has caused missing information at one or more of the corners.  If the check has folded corners, fix the folded corners on the check and re-capture the image.
  • Excess Skew.  The check image is not properly aligned. Re-capture the image making sure to line up the guidelines correctly.
  • Image too Dark.  The image is too dark to allow proper reading. Increase the lighting and re-capture the image.
  • Image too Light.   The image is too light to allow proper reading. Decrease the lighting and re-capture the image.
  • If a check image consistently receives an Image Too Dark or Image Too Bright error, despite following all the recommendations to improve the image quality, you can use the brightness slider on your phone when taking the picture. The brightness setting lightens or darkens the image as it is being processed. Because of the way the images process, you should use the brightness slider after trying all other methods to improve the image.
  • Below Minimum Size. The check file size is too small. Re-capture image.
  • Above Maximum Size. The check file size is too big. Re-capture image.
  • Image too Small. The check may have been too far from the camera. Re-capture the image, making sure to line up the guide-lines correctly.
  • Image too Large. The check may have been too close to the camera. Re-capture the image, making sure to line up the guide-lines correctly.
  • Excess Spot Noise. The image contains pixels that affect readability. Re-capture the image.
  • Back Image Not in Scale. The size of the back image is not correct compared to the front image. Re-capture the image making sure to line up the guidelines correctly.
  • Phone camera needed. There is not a camera detected on the device you are using.
  • Access has been denied. Access has been denied to Mobile Deposit by Synergy Federal Credit Union. Contact us if you feel you received this message in error. (You must register by accepting the Terms and Agreement, and meet the qualifications prior to using Mobile Deposit.)

Warning Messages
Image warnings appear when an important piece of information is missing or could not be read. If the information is not present or not clearly readable, recapture the image. However, if the information is present and clearly legible you may continue.

  • MICR Usability.  The numbers (bank routing number, account number, check number) along the bottom of the check could not be accurately read.
  • Date Missing.  The check date could not be located on the image.
  • Signature Missing.  The payor signature could not be located on the image.
  • Payee Name Missing.  The name of the check recipient could not be located on the image.
  • Payor Name Missing.  The name of the check writer could not be located on the image.

Can I look at my account online?
If you have an active account with Synergy FCU or recently opened an account, you can access Online Banking by following the instructions on the enrollment section.  If you need assistance, you may contact us during regular business hours at 888-272-8228 or email us at info@synergyfcu.org.  Once you have access to online banking you will be able to view your account, transfer funds, enroll in Bill Pay, and use our other services found within online banking.

Is there a fee for online banking?
No

What is Synergy FCU Mobile App?
This is a product that allows you to access your account from your smart devices with internet access by downloading our Mobile App.  Other services also available on the Mobile App include transferring funds, paying bills, reviewing transaction history, deposit checks via Mobile Deposit, and Card Center to manage your debit and credit cards.

How does the Synergy FCU Mobile App work?
You must first download the App from either Apple or Google Stores using a smart device with internet access.

Once you download the App, login using your Online Banking User ID and Password. Once logged in you can:

  • Access your accounts – view account transactions, balances, pay bills, transfer funds, deposit checks
  • Transfers – Transfer funds between your internal Synergy FCU accounts and transfer funds to/from your external accounts
  • Card Center - control your debit and credit cards, set spending limits and geographical ranges, set up alerts, and set up travel notifications
  • Credit Cards – view your Synergy FCU credit card statements, pay your credit card
  • Pay Bills – enroll in Bill Pay to pay your bills online
  • Deposit Checks – Register for Mobile Deposit within our Mobile App and start depositing your checks with a quick snap of the front and back of your check. 
  • Contact Us – Contact us by phone or email from within the app

Is Synergy FCU Mobile App available to all users?
Synergy FCU’s Mobile App is available to all online banking users who have access to smart devices.

Is it safe to bank using Synergy FCU’s Mobile App service?
Yes, to protect your privacy you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted.  In addition, your password and account information is never stored on the mobile device.

How many transactions can I see on my phone at a time?
When you select an account name on the Accounts tab, the last 30 days of transactions will display.  You may need to scroll down to see all your transactions.  The transaction history goes back 90 days.

Who can use Mobile Deposit Capture?
Active account users of the Mobile App can register for Mobile Deposit.  Must be in good standing with the SFCU and must be over 18 years old.

Are there limits on how much I can deposit using the Mobile Deposit?
Yes, approved users have “per deposit”, “daily deposit” and “rolling 30-day deposit” limits. 

How do I log out?
When you are ready to log out, select the Sign off button at the top right of the page and you will exit the Mobile App.  You will be returned to the Login screen.

Is a password needed for the Mobile App?
Yes, from your mobile device you will need to login to the Synergy FCU Mobile App using the same login information you would for Online Banking. No separate Mobile App login is required.

I have disconnected my mobile phone. Will my services continue?
Your account will remain active.  But, you must have a mobile device to use the Synergy FCU app.  

Is Help available through my mobile device?
Click the Contact us tab to find our support phone number 888-272-8228 and email address, info@synergyfcu.org.  For help regarding your mobile device and/or wireless internet connectivity, contact your wireless provider.

My session timed out quickly, can I change the time out value?
Online Banking is ten minutes, and Mobile App is five minutes.  These are the only timed out options for your security and protection, when there has been no activity for the timeframes mentioned the session times out and the system returns to the login page.

Can I pay bills using the Mobile App?
Yes, you can access Bill Pay from the Mobile App to pay bills.

Can I access Purchase Rewards using the Mobile App?
Yes, you can access rewards in the app by selecting Card Center. You must be enrolled in UChoose Rewards.

How do I view my credit card information in either Online Banking or Mobile Banking App?
Your credit card account appears on the home screen of your Mobile Banking App.  Simply tap it to view your credit card transaction history, statements and other information.

What do I do if my mobile device is stolen?
If your mobile device is lost or stolen, Log in to Online Banking as soon as possible and change your password as a precaution.  You may also contact your service provider. Often they are able to deactivate or wipe the data from your lost/stolen phone.

What are cookies, and why do I need to enable them?
Cookies allow us to recognize particular devices you use to browse and log in to Online Banking, making the process of logging in easier and safer. To enable cookies, open your browser settings and look for cookie settings. If you’re having trouble, give us a call at 888-272-8228 during normal business hours.

What can I do in Mobile Banking?
Most of your day-to-day banking activities can be accessed through your Mobile Banking App.

  • Check balances
  • Transfer money
  • Make payments
  • Pay bills
  • Access credit card information
  • Deposit checks via mobile
  • Apply for loans
  • Debit and Credit Card Control through Card Center
  • and more!

Can I transfer money to another person who isn’t a member at Synergy FCU?
Yes, you can pay anyone with just an e-mail address using Zelle.

How do I setup automatic recurring transfers?
Log in to Online Banking and select the tab Transfers and schedule a  recurring transfer.  

I can’t sign in to Online Banking. What should I do?
We’ve all forgotten a username or password on occasion. Follow the appropriate links underneath the login box to recover a username or reset your password.  If you haven’t registered for Online Banking feel free to give us a call to get started.

What’s my Online Banking PIN?
The Online Banking PIN is a single-use password issued only to first –time users of Online Banking.  Once you’ve used an Online Banking PIN to activate your account, the PIN becomes invalid.  You will be prompted to set a new password that will be required for future logins.  For assistance with this process, you can contact as via email at info@synergyfcu.org or call 888-272-8228 during regular business hours.

How can I transfer funds between my accounts with Online Banking?
Select the Transfer tab and a list of accounts from which you may transfer from and to will be displayed. You normally can only transfer between accounts under the same number unless you have setup *Cross Account transfers with the Member Services Department.

*You must be joint on all Cross Accounts you wish to activate with the cross account transfer service.

Can I transfer funds from another financial institution to my Synergy FCU account?
Yes, you can schedule transfers between your accounts at Synergy FCU and another financial institution in Online Banking, select the Transfers tab and click External Transfers.  Follow the prompts to complete your transfer.

Can I make a loan payment online?
Yes, there are several ways. 

  • Look for the Payments tab on the website and complete the questions. This will set up a recurring payment from another financial institution.
  • Transfer money from your account to your credit card.
  • Click on your credit card, inside Online Banking, to lauch the credit card platform. Follow the prompts for Make A Payment.

How can I access my statements in Online Banking?
Log in to Online Banking and select the eStatement link.

Can I setup alerts to notify me about account activity?
Absolutely! Text or email alerts are a great way to manage your spending and stay knowledgeable regarding your money. You can set alerts that help you avoid a low or negative account balance, help you keep track of spending in certain categories, and be notified if changes happen on your account.

Log in to Online Banking, and select the Settings link. Choose Security and Alerts, then follow the promtps.

Is there a time limit for Online Banking Session while inactive?
Yes, the default timeout value is 10 minutes.

What constitutes as activity?
Any action done while logged into Online Banking counts as activity that will extend the time left in the session. This activity includes: clicking on the page, clicking on links, moving from page to page, typing in available fields and so forth.

What is the mobile text number I should use?
71806 is the short code for the mobile texting service. This will only work if you are set up to receive texts.

How do I set up text banking?
Log in to Online Banking from a desktop, click on Mobile, choose the My Devices tab, and click the Receive Alerts to your phone number Device Details.

How secure is Text Message Banking?
Our Text Message Banking service is secure. You can activate the service only after logging into your account using Online Banking. Text messages will never contain confidential personal information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for Text Message Banking?
We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Will Text Message Banking work on my phone?
It will work as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

Which carriers do you support?
Our Text Message Banking service works on all major mobile providers in the U.S.

How do I deactivate the Text Message Banking service?
You can text back STOP to 71806 on your activated cell phone, or you can return to the Mobile page and choose the dropdown for "Stop using this device for Mobile Banking' next to your mobile device number. Your phone will no longer receive any text messages from Text Message Banking. You can add a new phone at any time if you change your mind later.

Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Where do I find my activation code?
During set-up, we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.

I still have not received my code, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough you can click the "Resend it" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.

Can I come back later to enter my activation code?
Yes, you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.

Can I get the balances of my other accounts?
Yes - when you text "BAL" to 71806, we will reply with a message containing the balances of all your checking, savings and any other accounts.

Can I set up or change my account selection?
Yes, you can. Simply return here to the Mobile page inside the desktop Online Banking. Choose the My Accounts tab and check which accounts you want displayed.

What commands or keywords can be used?
Use any of the following commands/keywords:

  • BAL = All selected account balances
  • LAST = Last five transactions
  • HIST + Mobile Banking Nickname (Hist Savings)
  • STOP = Deactivate service
  • HELP = Help on keywords

Are keywords case sensitive?
No, keywords are not case sensitive. You can type 'help' or 'HELP'.

How long does it take to get a text message?
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

Is there any password needed for Text Message Banking?
You don't need a password to access your account information via text message.

What should I do if I lose my phone?
You can go to the Mobile page within Online Banking and select the "Stop using this device for Mobile Banking" dropdown that is next to your mobile phone number. That will terminate the service for the mobile device. You can always return later and activate a new phone.

I have a new mobile phone number. Can I change my number online?
Yes - you first need to deactivate your cell phone from within the Mobile page inside Online Banking or by texting STOP to 71806. Then click Add New Device on the Mobile page and set up the new cell phone number.

Is it possible to stop the weekly account balance notifications?
Yes. Inside Online Banking from a desktop, to go Settings, Security and Alerts, Alerts. In the dropdown, select "Balance Reminder" and then fill in the additional information.

Can I get a text when my primary account balance falls below a certain amount?
Yes. Inside Online Banking from a desktop, to go Settings, Security and Alerts, Alerts. In the dropdown, select "Account balance above/below amounts" and then fill in the additional information.

Can I transfer funds into my primary account using my phone?
Not via texting. You would need to use the Transfers page inside online banking or the app.

Can I get a text when a large payment clears my primary account?
Yes. Inside Online Banking from a desktop, to go Settings, Security and Alerts, Alerts. In the dropdown, select "ATM withdrawal or Debit over amount" and then fill in the additional information.

Can I get a text when a large deposit clears my primary account?
Yes. Inside Online Banking from a desktop, to go Settings, Security and Alerts, Alerts. In the dropdown, select "Deposit over amount" and then fill in the additional information.

What is uChoose Rewards®?
uChoose Rewards® is a program that earns you points for using your Synergy FCU debit card or your Synergy FCU Rewards credit card. You can redeem your points toward anything from our huge online rewards catalog found at www.uchooserewards.com.

Do I need a specific card in order to get rewards?
Yes, you need the MasterCard Platinum Rewards credit card or the Synergy FCU debit card.

Do I need to register my credit card before I can start earning point?
Yes, you need to register your Platinum Rewards credit card and/or your debit card. To register your card, visit www.uchooserewards.com and click the Register link.

How do I register my card?
Please visit www.uchooserewards.com. On the right side, you will see “New to uChoose Rewards?” with a Register link. Click Register, and then enter your card number. Once your card is authenticated, it will ask to establish your user name and password. Follow the instructions as provided.

How do I start earning points?
Every time you make a purchase with your card, you’ll earn 1 point for every $1.00 you spend on your credit card and 1 point for every $2.00 you spend on your debit card. Plus, you can earn additional points by shopping in-store or online with participating retailers.

Where can I earn points?
You earn points everywhere your MasterCard® is accepted. Participating retailers offer additional reward points for purchases made at their stores or online. A list of participating retailers can be found at www.uchooserewards.com.

Where can I view my point activity?
You can access the history of your point activity through www.uchooserewards.com.

When can I redeem points?
It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can make your first redemption. Once that threshold has been met, any future earned points can be redeem immediately. Your points are available to view on www.uchooserewards.com or the mobile app. Here you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

Do my points expire?
Yes, the points expire 3 years from the month they were earned. Under the My Rewards section, you can see the next three months of expiring points, if you have any. 

When I redeem for a product, can I ship my redemption to an address other than the one Synergy Federal Credit Union has on file for me?
Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

Can points be redeemed at the point of purchase or can they only be redeemed online?
You can only redeem points online through www.uchooserewards.com, Amazon, Apple, and PayPal. Log into uChoose Rewards and click on Redeem Points. Choose which place you'd like from the dropdown. To use Amazon or PayPal, click Pay With Points. You have to follow the steps and link your card(s) up with those companies.

If I am close to having enough points to redeem, can I purchase the balance of the points they need?
No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.

If someone manages to get access to my uChoose Rewards username and password, can they redeem my points?
Every effort is made to authenticate uChoose Rewards participants – but fraud can occur. If you feel that you might have been a victim of fraud, contact Synergy FCU so that an investigation can be undertaken.

Can I share points with family members?
All credit cards within an account automatically earn points together. All debit cards within an account automatically earn points together. Additionally, if you have multiple debit or credit card with Synergy FCU, you can link them together in a household account to earn rewards points faster.

How do I link my debit card and reward credit card together?
Enroll in uChoose Rewards with your debit card number, creating a username and password.  Enroll in uChoose Rewards with your Rewards credit card, creating a different username and password. Once both are enrolled, sign in to either and click on Preferences, scroll to the bottom and find the section Link Another Account to Your Program.

How much does it cost to participate?
There’s no cost to participate. Membership in uChoose Rewards® is free. Visit www.uchooserewards.com to start monitoring your points and browsing our online catalog.

How do I get help with UChoose Rewards?
Use the Contact Us button to email your message or call the UChoose Rewards help desk at (855) 882-1645.