July 21st, 2014

Major Updates Coming Soon to SMCU.com

Seattle Metropolitan is a democratically-run organization owned by our members, which means your feedback is important. You’ve made suggestions about ways we can improve our website, and now we’ve incorporated those suggestions into the design of the upcoming, new and improved smcu.com.

We’re making it easier for you to log into Online Banking, find important information such as holiday closures, and browse products and services.

Get a Sneak Peak of the New Website

Check out the screenshots below to get a feel for the new website before it goes live!




You’ll see the new website live at smcu.com in August.

Questions or feedback? Please leave a comment below.

8 Responses

  1. Steve Pomper says:

    I’ve been with SMCU (and its various other incarnations) for two decades. It is a great organization that has served my family and me well. However, I’d like you to know that not all of your customers are necessarily comfortable with such an emphasis on “non-profit.” Profits (revenues) are not bad; they are necessary, and the thought that they are bad should not be encouraged, especially by a financial institution.

    • SMCU says:


      Thank you for the comment. You bring up a point that may warrant some explanation.

      The expression “not for profit” comes from the overall credit union mission statement. In 1935, when credit unions were helping Americans through the Great Depression, the treasurer of a Midwestern credit union said that credit unions were, “not for profit, not for charity, but for service,” and we all stand by that philosophy today.

      When we say “not-for-profit” it is to remind our members and ourselves that we have a mission and a purpose that goes beyond simply growth for the sake of growth. First and foremost, we exist to improve the lives of our members.

      That said, we, like all businesses, must make a profit. It’s what we do with it that differentiates us as “Not-for-Profit.” Our members entrust us with their money and expect us to make wise decisions that will produce wealth over time. We make strategic business decisions that help ensure that Seattle Metropolitan will continue to be a responsibly operated, financially strong financial institution for generations to come.

      “Not-for-profit” means that accumulating wealth is not the end goal, and it is what we do with excess revenue that differentiates us from for-profit banks. We return it to our members in the form of lower fees and better interest rates, as well as innovative products and enhanced services. We support local institutions and businesses, and keep the profits flowing locally in the community we serve, rather than siphoning the wealth off to outside investors.

      We recognize that credit unions are just one part of a complex economy that includes traditional for-profit businesses, some of which go to great lengths to make sure they are giving back to their community. For some people, traditional banks are the right solution. For many others, however, the traditional financial model fails to meet their needs, which is why credit unions like SMCU exist.

      Having a voice to direct how your credit union is run is another important difference between Seattle Metropolitan and the big banks. We sincerely appreciate your membership, and are grateful that you shared your opinion with us.

      Richard Romero

  2. Anonymous says:

    This is a small thing, but it would be great if your bill pay application would display the account nickname instead of the account type, e.g. “FREE CHECKING (*xxxx).” It would also be great if it were possible to set a default account to use for bill pay. Probably not going to happen in time for the website refresh, but wanted to pass on that suggestion.

    • SMCU says:

      Thank you for your comment, Jeremy. We’re always looking for this kind of feedback from members! The website refresh isn’t going to impact Online Banking, just the SMCU website before you log in. That being said, we’ll pass your comment along to our Online Banking provider so they can consider these changes for future Online Banking upgrades.

  3. I’m hoping the new site will have a direct deposit feature for scanning and depositing checks…this would be a big plus for me and my business!

    Thanks, Malcolm

    • SMCU says:

      While the web version of Online Banking will not have a remote deposit feature, our mobile app does. Do you happen to have an Android or Apple device? Using our free mobile app, you can take pictures of your checks and deposit them to any of your SMCU accounts. You can learn more about how to use Remote Deposit Capture here: http://bit.ly/SMCU-RDC. Please let us know if you have any questions.

  4. Mike says:

    Great new changes to the website. I haven’t noticed any changes regarding wire transfers though. I have to send wire transfers on the regular basis. I tried doing it at SMCU but it takes a long time because I have to show up in person at a local branch (getting ready, commute time, waiting in line for available banker), plus it takes 10-15 minutes per each wire because they have to call in somewhere else and wait for confirmations. It’s a pain and very stone age-like. I wish I could just phone in or fax in or initiate a wire transfer online, much faster and more efficient. In fact, I have to use another bank which is more expensive but they save me a lot of time. Most banks let me do it online, not SMCU. You’ll have to switch to online wire transfers eventually, I just wish you did it faster.

    • SMCU says:

      Hi Mike,

      We’re sorry for the inconvenience this causes you. We know it can be a hassle to make your way to an SMCU branch. The reason we don’t do wire transfers over web is that it’s a huge security issue, and keeping our members’ accounts secure takes priority. Wire fraud is one of the most common acts of fraud committed in the financial services industry.

      If you’re transferring money to another account, we recommend the Funds Transfer option inside of Online Banking. If you’re transferring money to another person, we do have PopMoney inside of Online Banking as well. With PopMoney there’s a lower limit, so this may not be the best option if you’re transferring a high dollar amount.

      Another option is to set the recipient up as a Payee inside of Bill Pay. You can choose when and how much money you’d like to send them, and we’ll mail them a check on your behalf.

      We apologize again for the inconvenience and thank you for your understanding!