Solidarity Community Federal Credit Union MOBILE BANKING Search

FAQs

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General FAQs
What is the routing number for Solidarity?
Solidarity's routing number is 274974726.
How do I view my statements?
Sign up for Online Banking and you can view your transactions daily. You may also sign up for eStatements to view and/or download your monthly statement.
How can I change my address?
You can stop by either Solidarity location to complete the Address Change Form. You may use Secure Messaging on top right in Online Banking, or complete the Change of Address form attached to your loan coupon book. Requests to change an address may be made by telephone or mail with verification of signature and identification.
Do you offer free checking?
The eChecking account has no monthly fee and no minimum balance requirement. The eChecking account does require Direct Deposit and eStatements and you may write up to 10 paper checks per month. The Classic Checking is free if you maintain a $1,000 daily balance and the Solid Interest Checking is an interest-bearing account that is free if you maintain a $2,500 daily balance. All of the checking accounts offer the following services free; Debit Card, online banking, Bill-payer, transactions at Solidarity ATMs, eStatements and Account Alerts. To see more checking options click here
Is your bill payer service free?
Yes, bill payer is absolutely free and you can pay unlimited bills.
Can I order checks online?
Yes, as long as it is a reorder you can visit our Reorder Checks Page. To place your first order of checks you will need to contact the Member Services Department
How do I sign up for online banking?
You were enrolled when you opened your new account. Click here to begin the enrollment process. 
I have forgotten my online banking Member Number or password - now what?
Activate your Forgotten Password link in online banking to reset your password. Click here to do it now. Contact or visit the Member Services Department and answer a few security questions. Upon identity verification, Member Services will reset your password. 
What is the mailing address for Solidarity?
Our address is:
Solidarity Community Federal Credit Union
P.O. Box 2499
Kokomo, IN 46904-2499

Our physical address for overnights and second day mailings is:
Solidarity Community Federal Credit Union
201 Southway Boulevard East
Kokomo, IN 46902 
Can I apply for a loan by telephone or online?
Yes, you may apply by phone by calling 765-453-4020 Ext 1304 or click here to apply online. 
What is required to open an account at Solidarity?
You will need a current ID with correct address. Click here to learn more.
Bill Payer FAQs
How do I activate Bill Payer Services?
Login to Online Banking (using the login button at the top of your screen). Find the Bill Payer link and click on Account Setup. You will be asked to review the terms and conditions or just accept them before you can move on. You will then be prompted to fill in some general information to register for the service. You will receive an email acknowledgement that your registration has been received and you can set up your payees.
What is the fee for Bill Payer services?
There is no fee for our Bill Payer Services and you may pay an unlimited number of bills. 
Can I pay bills from my Savings Account?
The service is only available with an active Solidarity checking account. 
Is it safe?
Yes. Solidarity has chosen web browsers that are capable of conducting a secure session with an SSL (Secure Sockets Layer) enabled web server. This means that data being transmitted between your computer and our server is scrambled. Even if the transmission is tapped, the eavesdropper will not see any meaningful data. When the data finally arrives at our server, the data is then unscrambled. 
How are payments made to merchants?
Payments are made electronically by ACH, which is transmitted in about 3 business days, or by check. Payments that are made by check, will normally take anywhere from 7 to 10 business days. You need to schedule your payments accordingly to insure the payment is made on time. Most large utility companies and the bigger retail merchants accept electronic payments.
How many days in advance should I schedule my payments?
Electronic payments should be scheduled at least 3 business days in advance of the due date, excluding grace periods. Check payments should be scheduled 7 business days in advance of due date, excluding grace period.  Initially, the first time you're paying bills with this service, until you learn which payments  
are submitted electronically or by check, you should allow 7-10 business days before due date.
What if I enter incorrect merchant information?
It is very important that you enter your information accurately. A wrong address may result in a payment not being received by your merchant by the designated due date. Also, a wrong account number could result in the payment being posted to the wrong account.
When must the money be available in my checking account?
When you submit a payment to be deducted from your checking account the funds must be available at that time or on the scheduled payment date you've set up in Bill Payer. 
When is the payment actually sent?
The payments are remitted to the merchants on the same business day that you have your bill(s) set up to be paid by 3:45 p.m. Central time, or 4:45 p.m. Eastern Standard time (depending which one Indiana is on at the time). Please keep in mind that a Regular Business Day is considered Monday, Tuesday, Wednesday, Thursday and Friday.
What if the money is not available in my account?
If funds are not available in your checking account, the payment will not be made and you will need to reschedule the payment.
Can you pay bills from outside the U.S.?
Yes, as long as the merchant and merchant address is within the U.S. All payments will be made in U.S. dollars. 
How can I verify if my bill has been paid?
Under the Bill Payer service pull down the tool bar and look for "bill pay history". This will have dates you may select to verify payments. Select the confirm number to verify payment. This will give you a status of pending, processed or cleared depending on the method in which the payment was accepted by the merchant. 
What if a merchant says they haven't received my payment or I have a question on a specific payment?
Please verify the following before notifying us:
  1. Check to see if the funds were deducted from your checking account;
  2. Check to see if all merchant information was entered correctly;
  3. Check to see when the payment was sent (same date funds were deducted from account) and allow 5 business days for the payment to be received by the merchant.
Bill Pay Member Service can be reached at 855-712-0498 between the hours of 7:00 am and 1:00 am ET, 7 days a week.
Can I stop payment on a bill?
Stop payments can't be placed on electronic payments. If your payment was made by check we can accept your stop payment request if the payment status is not "cleared". If the payment status is "pending" you may place a stop payment. If the payment status is "processed" we may be able to stop payment after more verification. You will need to check the status of your payment before notifying us. There is a fee for stop payments. Please refer to our Fee Schedule under Bill Payer.  
Can I set up Automatic Payments?
Yes, under Scheduled Payments on the pull-down toolbar in bill payer. Payments are ongoing in the same amount and frequency (monthly, biweekly, etc.). You set up the payments to be made in the same frequency (weekly, monthly, biweekly, etc.) in the same amount. You designate the start date and the end date of the recurring payments. Each payment will be made automatically for you until the designated end date.
What is the difference between a One Time Payment and a Recurring Payment?
A One Time Payment is one that will be paid "one time". You can set it up to pay today or a future date, but that will be the only time that payment happens. A Recurring Payment is one that will pay at the frequency you specify, either weekly, monthly or semi-monthly. The payment date on Recurring payments will be the first day that this payment will happen and the recurrence will be based on that date. The Last Payment Date is only used for Recurring Payments and will be when the payment ends. If you wish it to continue to pay on a Recurring basis for a indeterminate time, choose a date several years in the future.
Do I need to set up my payees (merchants) every time I make a payment?
No, once you've completed the initial set-up, Bill Payer is very easy to use and stores this information. Simply select the merchant from your list and enter the payment information to schedule a payment. Your payees are listed under "Payee List". You also may add "new" payees or remove payees from your list. 
Can I cancel a "Scheduled Payment"?
Yes, as long as the funds have not been deducted from your account. To cancel a payment you go to Scheduled Payments, click on the confirmation number of the payment, and then click Remove (and then Submit) at the bottom or just change the date of the payment to sometime in the future.
How many merchants can I set up?
You may set up a maximum of 9,999 merchants. 
Are there any merchants that I can't pay with this service?
Yes, you can't pay any governmental agencies including but not limited to taxing authorities, such as federal, state and local taxing agencies, or recipients of court-ordered payments such as alimony or child support. Payments to any organization or individual with an address outside the U.S. are also not valid through this system. 
Can I make my Solidarity payments with Bill Pay?
It is more efficient to make payments to your accounts at Solidarity through the Transfer options in Online Banking. 
View Checks Online FAQs
Is there a fee to view my checks online?
No, this is a free service through Online Banking. 
How can I view that front and back of my cleared share draft (check)?
Once you access your checking account history just click on the underlined check number you want to view. A separate box will appear with the front and back of your cleared share draft (check).
Can I print the front and back of my cleared share draft (check)?
Yes, once the image of your cleared share draft (check) appears click on the Blue print button located at the top of the page. 
What does “Image Not Available” mean?
When you receive the “Image Not Available” message it could mean one of the following:  
  • The image is being processed and will be available by the next business day
  • Many merchants and payees have begun to convert your paper checks into electronic payments. Since these payments are presented to the credit union as electronic transactions - and because there is no cancelled check involved - we are unable to display the check image for viewing. These payments can be viewed in your account history as a withdrawal along with the merchant name and amount.


Remote Check Deposit FAQs
When is my money available for use?
Deposits received before 2:30 pm will be credited the same day, deposits after 2:30 pm will be credited the next business day. Availability of funds will be based upon Solidarity’s availability schedule.
Why is my balance not reflecting my recent deposit?
If your deposit is not displayed in your account history, then the transmission of the deposit was not successful. If the scanned deposit was successful it will always be reflected in the balance. Log back into Remote Deposit and you should receive a warning message stating you have pending deposits.
What are the system requirements for Remote Deposit?
  • Windows XP or Vista with Internet Explorer 6+ or Firefox* 2+, or
  • Mac* OS X 10.5 with Safari 3+ or Firefox 2+
  • HighTspeed Internet connection
  • TWAIN compliant document scanner
*Requires Java runtime environment v1.5.0.11+v1.6.0
What is a scanner driver?
A driver is a program that allows your computer to interact with a particular device. The scanner allows Remote Deposit to interact with your particular scanner make and model. It is important that you have the most recent version of your scanner driver installed on your computer to help ensure it is compatible with Solidarity’s Remote Deposit.
I inadvertently selected the wrong account for deposit. What should I do?
You may perform a Transfer within Online Banking to move money from one account to another. It only takes a moment and the funds will be available immediately.
I have received a popup on my Internet Explorer to install an ActiveX component?
Right click and select install so your scanner will operate properly.
I have scanned the back on my check and I am receiving a Too Light error?
The Too Light error indicates that the back of the check is not endorsed properly. Please endorse the check as follows: 
"For Deposit only to SCFCU"
Account #
"Via WWW"
Date
Your Signature
I have scanned my checks and I am receiving an Amount not Recognized error?
The Amount not Recognized error occurs when multiple checks are scanned and the dollar amount of the check cannot be read. Click on the $ and key in the dollar amount of the checks. Once the dollar amounts have been keyed in you will be able to submit the deposit.
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