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Having problems?

Call us at 708.857.7070

1. When will I receive my debit card?

7-10 business days.

2. How do I register for online banking?

  • Enroll in online banking
  • You will be asked to accept the online banking disclosure.
  • You will then be asked to enter your account number (this is your Member number), last name, zipcode, email address, date of birth, and social security number – last 4 digits. Click submit. A temporary password will be emailed to you. Note: check junk mail if not received.
  • Next, you will change your password (must be at least 6 characters long and cannot be your member number or account number) and a password (must be at least 8 characters long with a combination of letters and numbers).
  • You will then be able to see your accounts online moving forward.

3. How do I enroll in e-Statements?

  • Log into online banking using the Login ID and password you created.
  • Click on the “Services” tab (upper right).
  • Click on the sub-tab “e-statements” on the left side.
  • Select Enroll Now.
  • Read and Agree to e-Statement disclosure.

4. How do I start my direct deposit?

  • You will need to set up direct deposit through your employer. Your employer will need South Division’s routing number and your full account number.
  • Our routing number is 271080956.
  • Your New Membership card with your Membership # and two digit account IDs will be mailed to your address.
  • Give both of these numbers to your employer to initiate direct deposit.
  • Generally takes 1-2 pay periods for implementation.

5. What is the difference between my member number and my account number?

Your Member Number is the number you use to register for online banking. Your account number is used for the initiation of direct deposit or automatic transfers, along with our routing number which is listed at the very bottom of this page.

6. How do I order checks?

The first check order must be placed by a SDCU employee and there is a cost. Please call 1.708.857.7070 to place an order. After the first order is placed, you may order replacement checks via your online banking. We also offer free online bill payment, accessible via online banking.

7. Is my account federally insured?

Yes. All deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

8. What is the difference between a credit union and a bank?

Banks operate to generate profits for their stockholders or private owners. Credit unions are not-for-profit financial cooperatives, owned and operated by the Members. Credit union profits are returned to their Member-owners in the form of higher deposit rates, lower loan rates, and no or low cost services. Banks are federally insured by FDIC, credit unions are federally insured by NCUA.

9. Why is five ($5) held in my savings account?

$5 is held in your regular Savings Account (Share 00) as your initial share deposit and signifies your ownership of the Credit Union ($5 = 1 share). Since South Division Credit Union is a not-for-profit organization, we are owned by our Members.

10. What are the ways to access my account?

As a new Member, there are several ways to access your account while waiting for your debit card to arrive. Beyond traditional Branch Service Center access, SDCU offers online and mobile banking, and TeleVoice (telephone teller). Access to shared branching activates in 30 days.

11. What is shared branching?

Shared branching is a service offered by SDCU allowing Members to use other participating credit union locations to make deposits, withdrawals, loan payments, or transfers. These locations can be found here: Simply type in your zip code to search for locations.

12. When are my funds available in my account?

Your initial deposit is available within 5-7 business days. As a new account, all checks deposited into the Credit Union will be held for 10 business days. After you have maintained your account for 90 days, check holds will be at the discretion of the Credit Union.

13. How do I apply for a loan or credit card?

Please call us at 1-708.857.7070 or apply online.

Have More Questions?

Please feel free to contact us. Thank you again for being a Member of South Division Credit Union!