Free

Details

Released
December 6, 2021
Updated
October 15, 2026

Features

SMART FCU screenshot #1 for iPhone
SMART FCU screenshot #2 for iPhone
SMART FCU screenshot #3 for iPhone
SMART FCU screenshot #4 for iPhone
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About

Manage your finances on the go with this secure and easy-to-use banking app. Track transactions, set alerts, make payments, transfer funds, and deposit checks remotely. Aggregate accounts and find nearby branches or ATMs.

✓Organize transactions with tags, notes, and receipt photos
✓Set balance alerts
✓Make payments to companies and friends
✓Transfer funds between accounts
✓Deposit checks remotely
✓View and save monthly statements
✓Find branches and ATMs
✓Aggregate financial accounts
✓Secure with passcode or biometrics
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What's New in SMART FCU

3.39.0

October 15, 2026

Version 3.39.0 • Bug fixes and performance improvements

User reviews

Recent Update

Your recent update kicked me out of my account to where I cannot even retrieve my information and it’s saying all of my information that I used to access my account is wrong when it’s not. Now I can’t check my balance. I can’t do anything via online unless I call somebody and even then they’re not very helpful nor are they nice.
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No

To many ways to say no. No you can’t help me . No you access your money. No we can’t do that. Even wells Fargo was better at customer service and getting access to my money. It’s always some reason I can’t get my cash out . I’m frustrated and about to close my account and take my banking to another . Suppose to be a great bank. Ever since they moved locations it’s been trash as it’s best day
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Mrs Rodriguez

Love this bank! Use it though my husbands career and hands down the best! Also the employees are so nice and welcoming

Can no longer open the app

How do you rate an updated app that you can no longer open and use on an iPhone 8 that works perfectly with other apps? Apple’s got us, sooner or later, with the usual planned obsolescence.

Update

I loved this app when I first learned about and downloaded it. But now it's requiring me to Update it to use it anymore. My iPhone is and older 8+ running iOS 16. I have no plans or $$ to upgrade my phone so I guess I cannot use this wonderful app anymore. Not good to be continuously upgrading beyond what customers are able to use. Thanks anyway :/
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FAQ

What can I do with the SMW 104 Federal Credit Union app?

This app allows you to manage your finances by keeping transactions organized with tags and notes, setting balance alerts, making payments, transferring money between your accounts, and depositing checks by taking pictures. You can also view statements, find branches and ATMs, and aggregate your financial accounts.

How secure is the SMW 104 Federal Credit Union app?

The app prioritizes security by allowing you to secure your account with a 4-digit passcode or biometric authentication on supported devices. This ensures that your financial information is protected when you use the app.

Is the SMW 104 Federal Credit Union app free to use?

The app itself is free to download and use. However, as it is a banking application, standard banking fees or charges may apply depending on your account and the transactions you perform.

What devices is the SMW 104 Federal Credit Union app compatible with?

The description mentions biometric security on supported devices, implying compatibility with smartphones and tablets that offer such features. It is designed for mobile use, suggesting compatibility with both iOS and Android operating systems.

Can I deposit checks using the SMW 104 Federal Credit Union app?

Yes, you can deposit checks quickly and easily through the app. Simply take a picture of the front and back of your endorsed check, and the app will process the deposit for you.