Credit Union Services
Remote Account Access with Home Banking 24
Stoneham Municipal Employees Federal Credit Union's online account access
continues to be a member favorite because with
Home Banking 24, account
information, online transactions, check images, and even your
E-Statements are just a point and click away!
Home Banking 24 is a free
service that delivers lightning-fast account information with an easy-to-use
interface. Our online "branch" is always open, and always free.
See Your Statement Electronically
This feature offers members the opportunity to view their statements online.
By choosing E-Statements
instead of paper statements, you will get your statement sooner, have your
statements archived for 6 months, be able to print your statement at any time,
help the environment, and even reduce the risk of identity theft. Sign up for
this free and convenient service today.
Click
here to learn more about our E-Statements.
Save Time and Money with Bill Payer
Sick of buying stamps, licking envelopes, and writing checks to pay that tall
stack of bills each month? SMEFCU feels your pain. That's why we provide
Bill Payer, our
inexpensive online bill paying service. Save time and money by paying your bills
electronically, so you can worry about those things in life that really matter.
Account Information Only a Call Away
SMEFCU realizes that our members cannot always get to a branch or the
internet, so we have also made account information accessible via telephone.
With Access 24, you have
24-hour access to all of your credit union accounts. Get balance information,
request withdrawals, determine which checks have cleared from your checking
account, transfer funds, and more.
Click
here to learn more about our telephone
teller system.
Plastic Account Access Cards
SMEFCU offers a variety of
plastic account access
cards that can be used at a wide variety of ATMs, grocery stores, online
shops, and retail outlets. Check your balances, make day-to-day purchases and
receive cash withdrawals at ATMs with
our ATM/VISA Check Card
or use the power of our
VISA Credit Card to make those longer term, major purchases.
Contact either of our branches to apply for one of these convenient cards today.
Click
here to learn more about our ATM/VISA Check Card.
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Notary Service
For the convenience of our members, Stoneham
Municipal EFCU maintains a Notary Public at both
branch locations. This service is free for all
SMEFCU members.
SUM ATM Program and Directory
SMEFCU
belongs to SUM, a selective surcharge program managed by
NYCE network. As a SUM member, we are associated with
other financial institutions who agree to allow our
cardholders to use their ATM's surcharge free. To find
one of the 2,900 surcharge free ATMs near you,
please visit the
SUM ATM directory for
a list of the SUM ATM locations.
Click
here for a list of SUM ATMs accepting deposits.
Credit Union (Cashier) Checks
Credit Union Checks are available to all members for
share account withdrawals.
Gift Checks
Gift Checks are a flexible gift option that are sure to please both the
purchaser and the receiver. You choose the amount. The recipient chooses where
to go and what to buy. The perfect gift for every occasion.
Money Orders
Money Orders work just let checks. You can use them to pay bills or any other
payment. And to give you peace of mind, money orders can be traced if lost or
stolen.
Postage Stamps
For the convenience of our members and at no
additional fee, postage stamp books are offered at both the Stoneham and
Wilmington branches of our credit union. No longer do you need to make that
second stop at the post office.
Direct Deposit
Direct Deposit can be used to provide a safe,
convenient and reliable way to automatically deposit any periodic payments you
receive. It allows you more free time to do other things because your funds
arrive electronically, plus there's no worry of checks lost or delayed in the
mail. While Social Security is the most common, you may have payroll or pension
checks, annuities, dividends, and any other regular payments you receive by
check, credited to your share draft account using Direct Deposit.
Savings Bonds
U.S. Savings Bonds are a great way to save. They are competitive, safe,
affordable and convenient. Series EE & I Savings Bonds are available for
purchase in both our Main Office in Stoneham and our branch in Wilmington.
Click
here to learn more about purchasing United States Savings
Bonds.
Online Images
With Online Imaging, you have access to view and
print paid drafts (checks), both front and back, that have cleared your
share draft (checking) account. Just log on to Home Banking 24 and simply click
on the draft you want to view and/or print.
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Credit Protection
Stoneham Municipal EFCU offers many
affordable payment
protection plans
provided by CUNA Mutual
Group with coverage up
to $30,000.00 on
consumer loans and open-end
home equity lines of credit. You
may choose coverage that
protects your loan and
pays it in full in the
event of the primary
borrower's demise or in
the event of either the
primary borrower or
co-borrower's
demise.
SMEFCU also has
coverage that will
protect your loan and
make payments up to $600
per month in the event of
disability of the
primary borrower that
will be effective from
the 1st day of
disability (provided you
are disabled for more
than 30 days). You may
also choose to have both
forms of payment
protection which will
cover your loan in the
event of death or
disability.
The maximum age for
payment protection in
the event of death is 70
and the maximum age for
disability is 66.
Financial Investment Services
MEMBERS Financial Network is a comprehensive resource
that's easy to use, and available 24/7. It has all the
tools you need for planning your financial future and
for answering your financial questions, no matter how
simple or complex.
By using MEMBERS Financial Network, You can:
- obtain vital financial data
- get insurance
quotes
- buy mutual funds
- trade online
- track
investments
- use online financial calculators
- review
financial articles
- ... and much, much more.
Representatives are registered through, and
securities are sold through
CUNA Brokerage Services, Inc (CBSI). CUNA Brokerage Services,
Inc. provides credit unions nationwide with retirement,
insurance and investment options designed specifically
for credit union members.
Note:
Non-deposit investment and insurance products are not
federally insured, involve investment risk, may lose
value and are not obligations of or guaranteed by the
financial institution.
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