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Routing # 314092128

Frequently Asked Questions

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 The maximum amount that can be withdrawn from an ATM (Automated Teller Machine)is $600.00 per day.

Can my account information be imported to Quicken or Microsoft Money?

  • Web Connect - downloads from the export area of Internet Banking into Quicken or Microsoft Money.
  • Direct Connect - downloads from within Quicken or Mircrosoft Money.

Do I receive confirmation of my activities?
You will receive a confirmation number 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 Payment pay my bills?
For each payment you authorize, Bill Payment 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 Payment every bill?
No. You can choose which bills you want to pay through Bill Payment & Presentment. 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 Payment 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 Control?
This FREE service allows you complete control over your debit card transactions. Turn your card on and off: block certain types of merchants, block certain types of transactions, and even set a spending limit. It's up to you! You'll also be able to set alerts, so you stay in the know when it comes to your money.

How do I get started with Card Control?
Sign into your Online Banking or Mobile Banking account. Find Card Control under Additional Services. Accept the Terms and Conditions.

I don’t have Online or Mobile banking. How do I use Card Control?
You must register for Online Banking or Mobile Banking to use Card Control. Give us a call at (888) 272-8228 to get started. It's easy!

Is there a fee to use Card Control?
No, this service is absolutely free! Please note that if you choose to receive text alerts through Card Control, your carrier's messaging and data rates may apply.

How do I get to my Card Control in Online Banking and Mobile Banking? Click Additional Services on your Online Banking menu and click Card Control.

How do I switch my card Off and On?
Simply tap the toggling status to change it. Your selections instantly take effect, putting you in control of your money.

How can I tell if my debit card is on or off?
On the main Card Alerts and Controls screen, each debit card you have will be listed alongside a toggling status.

If a debit card is blocked, is every transaction blocked?
All ONE-TIME TRANSACTIONS are blocked when you set a card to OFF. However, any recurring payments will continue to process normally.

Can I register a credit card for this service?
No, this service is available only for the Debit Card. For credit cards, you can download the CardValet app from your phone’s app store and register your credit card. It has all the same features and functions as Card Control.

How do I set up my notifications?
The Alerts Delivery Options screen allows you to set your preferences for alert delivery—turn the alerts on or off, and see the phone number and e-mail address alert notifications are delivered to. Keep in mind, the phone number and e-mail address are pulled directly from your alert settings in Online Banking. If you haven't entered a phone number, you won't be able to receive text alerts until you enroll in Text Banking.

How do I set my text or email notifications?
It's up to you! You can set up alerts for every transaction, for preferred transactions only, or just for a blocked transaction attempt. In the Set Declines and Alerts screen, use the dropdown to set your preference.

Some of the alert options are off and greyed out. How can I turn them on?
Options may be unavailable based on your settings in Online Banking. You must be opted in to Text Banking and have push notifications enabled to use all the debit control alert options. Adjust your alert settings in your Online Banking account. If you need assistance turning these features on, give us a call at (888) 272-8228.

Can I block only certain types of merchants?
Yes! Using the Merchant Type tab within the Set Declines and Alerts menu, you can set blocks for specific spending categories such as "Restaurants", "Travel", and “Gas Stations”.

Can I receive alerts for specific types of transactions or transactions at certain merchants?
Yes, if you have your Send Alerts setting set to Preferred Transactions, you'll be able to block and unblock specific merchants or types of transactions. (Note: blocking a merchant or type of transaction will prevent you from toggling the corresponding alerts.)

Can I block only certain types of transactions?
Yes. Using the Transaction Type tab within the Set Declines and Alerts menu, you can set blocks for specific types of transactions such as ATM, online, mail/phone order, and other types of transactions.

Can I set spending limits?
Yes! In the Set Declines and Alerts menu, in the Spend Limits tab, you can toggle the block on and off and set your own customized limit. All transactions outside of the set threshold will be blocked.

Can I use Card Control to notify Synergy FCU about my travel plans?
No, travel notifications cannot be submitted via Card Controls. Please contact us (888) 272-8228 before you travel, so your Debit Card activity is not flagged as fraud.

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, 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 electonic 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.

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 transaction on or after March 21, 2022.

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 Move Money section.

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.

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 must be scheduled by 4:00pm CST to be processed that day. Any transfers scheduled after 4:00pm will be processed the following business day.

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 Checks” tab 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 a member for at least 60 days
  • 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 SFCU 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 before 2 pm CST, the deposit will be credited to your account on the same business day. If submitted after the cut-off time of 2 pm CST, the deposit will be credited on the following business day after 2:00 pm 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?

  • Email your questions to:
  • Call 888-272-8228 or 210-750-8333 during regular business hours

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.
  • Selecting “Email me the conf. #” sends an email with the amount and confirmation number.

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.

What is Money Management?
Money Management is a free budgeting and financial management tool available through Online and Mobile Banking. Build budgets, view all your accounts (including accounts outside Synergy FCU) in one place, view detailed spending history, and spot patterns. To set up your Money Management log-in, click the Manage Money tab in your Online Banking account, and follow set-up instructions.  You can also Money Management to keep up with your budget within the Mobile App.

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  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?

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, Get Cash Back for Purchases, deposit checks via “Mobile Deposit” and Card Control for Debit Cards.

How does the Synergy FCU Mobile App work?
You must first download the App from either ITunes 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 Synergy FCU accounts
  • Credit Cards – view your Synergy FCU credit card statements, pay your credit card
  • Pay Bills – setup cancel or edit a bill payment
  • 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 this product.  

Is Help available through my mobile device?
Click the Contact us tab to find our support phone number 888-272-8228 and email address,  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 Purchase Rewards in the app by selecting the More or additional services button and click on the “Get Cash Back” tab to view the Purchase Rewards available.

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.

How do I setup Text Banking?
Log in to Online Banking, click on Additional Services, choose Mobile Banking and Alerts, and Text Message Banking will be available.

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 Card Control
  • 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 PopMoney.

How do I setup automatic recurring transfers?
Log in to Online Banking and select the tab Move Money and click Schedule a Transfer.  Follow the on-screen prompts to schedule the transfer and check the box to indicate 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 or call 888-272-8228 during regular business hours.

How can I transfer funds between my accounts with Online Banking?
Select the ‘Transfer’ button from the tool bar 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 Move Money tab and click External Transfers.  Select Transfer between My accounts in the designated boxes, and enter your information from the other financial institution.

Can I make a loan payment online?
Yes.  To make a payment on your Synergy FCU loan, log in to your Online Banking account, select the Move Money tab and click Loan Payment. You may schedule a one-time payment or set up recurring payments so you never miss a loan payment again.

If you are paying with an account at another financial institution, simply have the account and routing number available for the account you’re going to pay from.

How can I access my statements in Online Banking?
Log in to Online Banking and select the tab Additional Services and click eStatements.

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. Set alerts with you to two (2) email addresses and two (2) phone numbers – you can set alerts that help you avoid a low or negative account balance, help you keep track of spending in certain categories.

Log in to Online Banking, and select the Alerts tab to set your account alerts.

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. 

One-Time Passcode (OTP)
When a one-time passcode (OTP) is generated, the passcode is valid for ten (10) minutes before it expires.

How do I set up text banking?
Log in to Online Banking, click on Additional Services, choose Mobile Banking & Alerts, and Text Message Banking will be available.

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 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 454545 on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link 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.

What is a primary text banking account?
Your primary account is the default account that we will use when you text "BAL" to 454545. You should select the one you will likely want to check the most often.

Can I get the balances of my other accounts?
Yes - when you text "BAL ALL" to 454545, we will reply with a message containing the balances of all your checking, savings and any other accounts.

Can I change my primary account selection later?
Yes, you can. Simply return here to the Mobile Banking & Alerts page and select another account from the primary text banking account drop-down list.

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

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Saving account balances
  • LAST = Last five transactions
  • TRANS = Transfer funds to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

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

What is the number I should send keywords to?
The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.

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 Alerts & Notifications" page within Online Banking and select the "Deactivate" link 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 Alerts & Notification page or by texting STOP to 454545. Then click Activate on the Mobile Banking & Alerts page and set up the new cell phone number.

Is it possible to stop the weekly account balance notifications?
Yes - just go to the Alerts & Notification page and click the weekly account balance notifications check box to deselect it. Then save your changes.

Can I get a text when my primary account balance falls below a certain amount?
Yes - first you'll need to go to the Alerts & Notification page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $500, minimum is $50) and save your changes. Thereafter, you'll get a low balance alert text whenever your primary account balance falls below that dollar amount.

Can I transfer funds into my primary account using my phone?
Yes - if you have selected a 'transfer source' account on the Alerts & Notification page, texting "TRANS 400" to 454545 will transfer $400 to your primary account and return a message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.

Can I get a text when a large payment clears my primary account?
Yes - first you'll need to go to the Alerts & Notification page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $200, minimum is $100) and save your changes. Thereafter, you'll get a high payment alert text whenever a payment from your primary account balance exceeds the specified dollar amount.

Can I get a text when a large deposit clears my primary account?
Yes - first you'll need to go to the Alerts & Notification page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $400, minimum is $100) and save your changes. Thereafter, you'll get a high deposit alert text whenever a deposit into your primary account balance exceeds the specified dollar amount.

I share a joint account. Can I set up two phones for the same primary account?
Yes, after you set up the first number you can select the "Activate another phone" link on the Alerts & Notification page then complete the simple two-step process.

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

Do I need a specific card in order to get rewards?
Yes, you need the MasterCard Platinum Rewards 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 card and/or your debit card. To register your card, visit and click the Register link.

How do I register my card?
Please visit 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

Where can I view my point activity?
You can access the history of your point activity through

When can I redeem points?
It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them. Your points are available to view on 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

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 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.



What is ZELLE®?
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes (*1). With just an email address or U.S. mobile phone number (*3), you can send money to people you trust, regardless of where they bank (*2).

How does Zelle work?
When you enroll with Zelle through the Synergy Federal Credit Union app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared - those stay with Synergy Federal Credit Union). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Synergy Federal Credit Union of the incoming payment. Synergy Federal Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.

Who can I send money to with ZELLE?
You can send money to friends, family and others you trust. (*2)

Since money is sent directly from your bank account to another person's bank account within minutes (*1), it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

How do I get started?
It's easy - Zelle is already available within Synergy Federal Credit Union's mobile banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

How do I use ZELLE?
You can “send”, “request”, or “receive” money with Zelle.

  • To get started, log into Synergy Federal Credit Union's online banking “Move Money” select “Send Money with Zelle®" go to our mobile app and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.
  • To send money using Zelle, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), add 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 (*1).
  • To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request" (*3).
  • To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes (*1).

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 to ensure you receive your money.

What types of payments can I make with Zelle?
Zelle is a great way to send money to family, friends, and people you are familiar with and trust such as your personal trainer, babysitter or neighbor (*2).

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.

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.

Are there any fees to send money using Zelle?
Synergy Federal Credit Union does not charge any fees to use Zelle (*4).

Is there an age limit for using Zelle?
You must be 18 years old to sign up for Zelle.

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

If your recipient's bank 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?
In order 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, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call us at 210.750.8333 so we can help you.

How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled recipient within minutes (*1).

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes (*1).

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number (*3).

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Synergy Federal Credit Union member services a call at 210.750.8333 or send an email to

Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.

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.

I'm unsure about using Zelle to pay someone I don't know. What should I do?
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 for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is a 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 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 Service support team (210.750.8333) and ask them to move your email address or U.S. mobile phone number to so you can use it for Zelle.

Once member services 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 member services at 210.750.8333 for help.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

(*1) Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

(*2) Must have a bank account in the U.S. to use Zelle.

(*3) In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

(*4) Mobile carrier fees may apply.

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