Get our Mobile BANKING App

1) Download Touchbanking App (by FiServ Inc)

2) App Code = smartmobile
3) User Name or Login ID = Your SMFCU Account #
4) Answer Identity Question
5) Password = Your online banking password

Online Banking ♦  Bill PayMobile ServicesATM/Debit Card 

Online Banking

Take care of your banking business from your home or office with Saginaw Medical's FREE Online Banking System.

  • View account history and balance inquiries
  • Transfer to and from your savings and checking accounts
  • Schedule weekly, biweekly, monthly, quarterly, twice per year, or yearly transfers between your account
  • Make loan and credit card payments
  • Receive your IRS 1099/1098 Statements Online
  • Mobile Banking
  • SMART Occasions (Special Occasions allows you to add birthdays, appointments, special reminders and more to your home banking account).

Log on to securely access your accounts at absolutely no charge. LOG ON & ENROLL HERE!

Also FREE with Online Banking:


  • Free access to your monthly statement online once enrolled
  • Ability to view 1 year of statements
  • No more paper statements mailed

Draft Imaging

A FREE service where you can view checks that have cleared your account. Whether you need a copy of a check that has cleared your account or if you've forgotten who you wrote a check to, you can simple view it with draft imaging.

FREE E-Alerts

Let your accounts talk to you!! E-Alerts provide online banking users with an email notification of various account activities. These activities include high and/or low balances, cleared checks, and various other transactions such as ACH, ATM and checks based on specified amounts.  You also designate the email addresses that are used for delivery with an option to designate multiple addresses based on the type of activity. Log into your online banking account, under Services choose E-Alerts from the left hand navigation bar and set up E-Alerts today!!  

Free Bill Pay

Our online Bill Pay system is a secure, fast, and FREE way to pay your bills!!

  • Pay anyone, from your cable or phone company to the babysitter
  • Schedule recurring or one-time payments
  • View your payment history
  • Use Account Aggregation, allowing you to see all your online accounts in one central location

Register for Bill Pay today by first logging into your online account. Click the Bill Pay tab to enroll.  Once enrolled, you will be able to enter your bill payees and account information and begin paying your bills online! If you have additional questions please contact Member Services at 989-791-7070 ext. 3503 or email Member Services.

REMEMBER: To sign up for Bill Pay you MUST have an open checking account with SMFCU!

Mobile Banking & Mobile Bill Pay

Download SMFCU's Mobile App!

Download TouchBanking
After downloading the app, you will have a "Touch Banking" icon on your phone. Simply touch the icon to launch the app and input the same password that you use for online banking and you'll be ready to go!

Additionally, if you have the ability to browse the Internet from your phone, you can use our WAP site - our mobile ready website - by visiting  Just choose the "online banking" option to log into your account similar to logging in through your computer and you're ready to go!  

If you would prefer simple text-based information, we offer SMS messaging  - you must set up by logging into your online banking account and choosing the Mobile tab. 

* ANDROID USERS PLEASE NOTE: Prior to attempting to download the app, please sign into your Google account on your phone. Otherwise your download process will be disrupted and you will be prompted to log in and start again.

* SPRINT/T-MOBILE USERS PLEASE NOTE: Some Sprint/T-Mobile users have been experiencing issues receiving activation texts because the carrier is preventing system-generated texts from coming through. If you do not receive your enrollment texts for any version of Mobile Banking, you will need to contact your carrier to have them allow these texts to come through because your carrier is blocking them like they are SPAM. The WAP - Over The Web WAP is a browser-based version of mobile banking. It has all the same features as the app, but there is nothing to download. If you prefer to use the WAP, you would simply bookmark the link to the WAP site (your personal URL will come via text after you enroll) and browse to it when you want to use online banking. Your User ID and password will be the same as you use for online banking. By Text - SMS SMS is text banking. Anyone, even if you don't have a Smart Phone, can use text banking as long as you are able to receive text messages on your phone. With the SMS service, you can quickly get your balances and recent account history.

* SMS TEXT ALERTS: Once enrolled in Mobile Banking, members can opt to have their E-Alerts sent via text! Simply visit the E-Alerts menu in online banking, add a new alert, and check the box labeled "SMS". You can go back into existing alerts and check the "SMS" box, too!



Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act