Account Management

Yes. Early deposit access is a free service that gives you access to your paychecks, government payments, and other automated clearing house deposits two to four days early. Availability and timing is dependent on the payer, and not all deposits will be early. It's also important to keep in mind that early deposit access works as a provisional credit to your account. If we don’t receive final settlement from the payer, we may be required to reverse the credit, and you may be responsible for repayment of funds used and any resulting fees. See your Membership and Account Agreement for details.

You can! On a desktop computer, click “Customize” in the upper-right corner to reorganize your dashboard and accounts view. Move the toggle left or right on a specific feature to hide/show it. To  reorder your accounts view on the left side of the screen, click the six dots to the right of each account name, then drag and drop in the order you’d like. On the mobile app, your accounts view and dashboard are on one screen. Scroll down to the “My Dashboard” heading and tap the pencil icon to the right. To show or hide your accounts, click the eye icon. To rearrange the order of your accounts, tap the ellipses next to the eye icon and drag the accounts up or down.

¡Sí! If you’re on a desktop, click your profile picture in the upper-right corner and select the language of your choice. If using the app, tap “Menu” in the lower-right corner, then make your selection.

If you aren’t currently enrolled in eStatements, it’s easy to set up in digital banking. 

• On desktop: Click the ellipsis in the top menu and choose “Documents and Statements.” Slide the toggle to the right, then review and accept the eStatement Enrollment Terms and Conditions.
• In the app: Tap “Menu,” select “Documents and Statements” from the “More” drop-down, and go through the same steps as above to complete enrollment.

You’ll now have electronic access to your statements, tax forms, and notices, and can download or print them any time you’d like.

Great question. “Current balance” is a compilation of credits and debits (incoming and outgoing funds) that are moving throughout an account at any given time. Pending transfers or payments that haven’t been fully processed may be listed in your transaction history but won’t be reflected in your current balance. “Available balance” is how much you currently have in your account minus pending payments and deposits and is a more accurate reflection of the money available to use.

When you log in to digital banking on a desktop computer, your balance showing on the left is your available balance. On the app, your current and available balances will be listed on the homescreen, when applicable.

Both your current and available balances for deposit accounts will be displayed on the account dashboard in the app. (For an explanation on how the two balances operate, please refer to the “What’s the difference between ‘current balance’ and ‘available balance’?” FAQ.) For loans, the “current” balance is displayed. (The exception is credit card balances, which will show both the current and available balances.) For example, a certificate requires a minimum of $1,000 to remain open; therefore, the “available” balance will be $1,000 less, because the minimum balance of $1,000 is “unavailable.” For deposit accounts, you can see both your current and available balances on the account history page.

There are numerous instances in which you would need to switch profiles. Even though your other accounts are all nested under your main account, each profile is unique and would require individual updates, such as:

• Change of address, phone number, and email address.
• Security settings like multi-factor authentication and alerts.
• Bill Pay and external transfer accounts, including wires.
• Financial wellness tools, which can be set up differently in each profile.
• Your profile photo, which is unique to each profile.

Account maintenance changes, such as adding or deleting shares or owners, may take up to 30 minutes to be reflected on your account.

You bet. Call us at 800-445-4483, send us a secure message in digital banking, or stop by your local branch, and we’ll be happy to help add or remove a joint party from your account. If you aren’t registered for digital banking, visit selco.org/contact-us to send us an email. Please note: If you’re applying for membership, you can add a joint when opening a new account online. However, you don’t need to open an additional membership to add a joint account holder.    

When a child turns 18, their Vault Youth Savings account simply converts to a Membership Savings account, so no action by the member is required. To discuss options within the converted account—including other savings and checking accounts—you can contact a member service team member, who will be happy to provide you with the most accurate and detailed information.

Whether you use Quicken, QuickBooks Desktop, or QuickBooks Online, we have step-by-step instructions for deactivating and reactivating your connection to SELCO’s digital banking system.

For account security, we require multi-factor authentication for all aggregators. As attempts to log in to digital banking will fail without the member there to pass MFA, we strongly recommend members turn off auto updates within their aggregator’s site or software. If the aggregator tries and fails to log in multiple times, digital banking access may be temporarily locked.

Statements are updated once a month (at month’s end). For this reason, payments made before the statements are generated will not be reflected until the following month’s statement has been posted.

If you’re using a SELCO debit card, all SELCO ATMs are free to use. We are also part of the CO-OP Shared Branching network, allowing members access to 30,000+ free ATMs nationwide. To find a no-fee ATM near you, visit our Locations page and be sure to slide the "Include Free CO-OP ATMs" toggle to the right.

We aim to relay an approval decision within two business days. Interested in applying for a SELCO Visa Platinum? Please apply online, or stop by your local branch or call us at 800-445-4483 to speak with a representative.

Determining if you’re eligible for a home loan after filing for bankruptcy will depend on a variety of factors, including the type of bankruptcy you filed, the amount of time passed since filing, and your current financial situation. It is important to carefully consider your options and consult with a SELCO Loan Officer before applying for a home loan.

We would be happy to assist you in adding or changing a beneficiary on your account. To do so, please call us at 800-445-4483 or visit your local branch. Please note, it is helpful to have basic information (DOB, contact information, etc.) regarding your beneficiary to complete this request.

A $5 minimum balance is required to open and maintain your membership savings account. Other account products may also require a minimum balance for opening or to avoid fees. For all balance requirements, visit our Rate & Fee Schedule.