FAQs

Looking for quick answers? Here's the place to start, no question. 

It's easy to find what you're looking for

We've compiled the questions we hear most frequently from members so you can get the information you need. And if your request isn't covered here, please contact us. We're always happy to help you! 

Account Security

It’s a security feature that adds an additional layer of protection. It is composed of random numbers. We will send you this unique code to enter to verify your identity further.

No, Securityplus will never call you to ask you for your code. 

A billing dispute occurs when you believe there's an error regarding a transaction or calculation, or you have a concern about the property or goods purchased with your credit card. For example, you might think you've been overcharged or haven't received the product or service you paid for.

On the other hand, a fraud claim is when you report that you didn't authorize a transaction appearing on your account. For instance, you might believe you were charged for something you didn't approve.

Sign in to digital banking and send a secure message.

To prevent further fraudulent charges, call us immediately at 1-410-281-6200 or send us a secure message through digital banking so we can put a hold on your account and discuss further details regarding your case.

Answer: Click here to get started! Protecting your identity is a smart move—it’s one of the best ways to safeguard your personal and financial future.

Account Services

Securityplus’ routing number is 252076714.

There are many options to depositing a check. You can deposit by mobile device, ATM, or by visiting your nearest branch location. To make a mobile deposit, click here.

If you’d like to deposit a check in a branch, find the nearest branch location here. To deposit a check via mail, please send your check to Securityplus Federal Credit Union, P.O. Box 7560, Baltimore, MD 21207-0560.

To report a lost or stolen debit or credit card, call 410-281-6200.

You can get a replacement card via the below options:

Send a secure message via Digital Banking

Log into Digital Banking through your desktop or mobile phone.

Desktop: Click "More" in the top right of the screen, then click "Message Center."

Mobile: Click "More" in the bottom-right of the screen, then click "Message Center."
Select "Compose"

Visiting any one of our convenient branch locations. Find the nearest branch.

If you suspect fraud has occurred on your Securityplus account, call Securityplus' Contact Center at 1-410-281-6200.

Learn more about types of fraud and how to protect your account from scammers here.

There are multiple ways you can order checks for your Securityplus Checking Account.

  • Directly through our vendor, Deluxe from our website
  • Digital Banking (desktop and mobile)
  • Visit a branch location.

For additional information on ordering checks, visit our Order Digital page.

If you are a business account owner and would like to order checks, please visit our Ordering Checks for Your Securityplus Business Account page.

Securityplus Federal Credit Union offers wiring services to all its members. You can send a wire via Digital Banking through secure messaging, speaking to a representative, or visiting any branch location.

Check out our Wiring Instructions page for details and additional information on sending a wire.

If you temporarily misplace your credit card, freeze the card while you locate it. 

Mobile

  1. Open your Securityplus' Mobile Banking app.  
  2. Click on “More” bottom left of the screen.
  3. Click “Cards.”
  4. Click “Manage Cards.”
  5. Slide the slider to the lift to turn the card off.
  6. Confirm if you wish to turn the card off.
  7. It will now display “Card is Off.”


Desktop

  1.  Log in to your digital banking account.
  2. Click on "Cards," located at the top of the screen.
  3. Select "Manage Cards."
  4. Slide the slider to the left to turn off the card.
  5. Confirm if you wish to turn the card off.
  6. It will now display “Card is Off.”

Account and card alerts are a great way to stay in the loop and protect your account. Sign up to receive alerts about things like credit card transactions or recurring payments.

Account Alerts:

  1. Sign in to your digital banking account.
  2. Click on "More."
  3. Select "Alerts."
  4. Choose "Account Alerts."
  5. Select the alerts you want to receive for your account.

Card Alerts:

  1. Sign in to your digital banking account.
  2. Click on "More."
  3. Select "Cards."
  4. Click on "Manage Cards."
  5. Under "Manage Cards," click on "Controls and Alerts."
  6. Set up the alerts you want to receive for your card.

Mailing address:

PO Box 7560
Baltimore, MD 21207-0560

Debit and Credit Card

A contactless card uses tap-to-pay technology, enabling quick, close-range transactions at checkout. It also features a magnetic strip and chip for traditional purchasing methods, ensuring compatibility at merchants without contactless payment terminals.

To make a contactless payment, simply tap or hold your card within two inches of the contactless symbol on the terminal. This action transfers encrypted card information between your card and the reader. Some merchants may require a signature or PIN entry. Your purchase should be completed in seconds.

If you’d like to set a new PIN, you can do so by calling 1-800-992-3808.

If you’d like to activate your debit card or credit card, you can do so by calling 1-800-992-3808.

Securityplus will automatically mail you a new debit card to your address before your current card expires. Please ensure your address is up to date by signing in to Digital Banking and updating it there.

No, there are certain countries where these cards are blocked. If you want to see which countries are restricted, please check the attached list of countries for more details.

Blocked-Countries-List

Digital Banking

From the Digital Banking sign-in screen, select "Forgot Username." 

Securityplus makes it easy to keep track of your credit score each month. Just login to digital banking or mobile banking and click on the Credit Score tile on your dashboard.

  1. Login to Digital Banking or open your Securityplus Mobile Banking app.
  2. Find the Credit Score Tile. 
  3. Click the Credit Score tile to view your credit score.

To set up payments, access Bill Pay through Securityplus’ Digital Banking on your computer or open Securityplus’ Mobile App, then complete the steps below.

For Desktop:

  1. Login to Digital Banking 
  2. Click the Money Movement tab. 
  3. Click Bill Pay
  4. Accept the terms and access Bill Pay.

For Mobile:

  1. Open the Securityplus Mobile Banking app
  2. Click Pay Bills tab at the bottom of the screen.
  3. Accept the terms and access Bill Pay.

You can update your contact information through Securityplus’ Digital Banking on your computer or Securityplus' Mobile App.

For Desktop:

  1. Log in to Digital Banking
  2. Click on Settings
  3. Click on Contact
  4. Update your contact information and save changes

For Mobile:

  1. Open the Securityplus Mobile Banking app
  2. Click on Icon on the top right corner
  3. Click on Settings
  4. Click on Contact
  5. Update your contact information and save changes

You can update your username or password through Securityplus' Digital Banking on your computer or Securityplus' Mobile App.

For Desktop:

  1. Log in to Digital Banking
  2. Click on Settings
  3. Click on Security
  4. Update your username or password and save changes

    
For Mobile:

  1. Open the Securityplus Mobile Banking app
  2. Click on the icon in the top right corner
  3. Click on Settings
  4. Click on Security
  5. Update your username or password and save changes

Registering for digital banking should only take about 5 minutes of your time. By confirming your identity and creating a password, you will be enrolled. Click here to register for Digital Banking. Don’t forget to download Securityplus' Mobile Banking app in Google Play or the App Store!

Follow these steps to find your account numbers:

Desktop

  1. Login to Digital Banking
  2. The account number appears under the account name

Mobile

  1. Open your Securityplus' Mobile Banking app
  2. Click on any checking or savings account 
  3. Click on the Show Details tab to view the account number

Desktop

  1. Login to Digital Banking
  2. Click on the Accounts tab
  3. Click on eDocuments Link
  4. Click on the Statements tab
  5. Click on any statement
  6. Your member number is located on the top right of the statement page

Mobile

  1. Open your Securityplus' Mobile Banking app
  2. Click on the more tab
  3. Click on the Account tab
  4. Click on eDocuments Link
  5. Click on the Statements tab
  6. Click on any statement
  7. Your member number is located on the top right of the statement page

Direct Deposit is the safest way to deposit your net pay, Social Security, pension, or other regular checks into your credit union account. You can now switch your direct deposit to your Securityplus account digitally, within minutes. 

Setting up your Direct Deposit is easy!

Mobile

  1.    Open your Securityplus' Mobile Banking app  
  2.    Click on More bottom left of the screen
  3.    Click Money Movement
  4.    Click Setup your Direct Deposit
  5.    Search for your payroll provider or employer
  6.    Select your account
  7.    Done

Desktop

  1. Login to Digital Banking  
  2. Click Money Movement
  3. Click Setup your Direct Deposit
  4. Search for your payroll provider or employer
  5. Select your account
  6. Done

You can view account balances, transaction history and pending transactions in Securityplus' Digital Banking on your computer or Securityplus' Mobile App. Once you log in, you can see the account balance of each open account. To view transaction history, click on the specific account to see more details.

You can view your monthly eStatements posted in Securityplus' Digital Banking on your computer or Mobile Banking App.

Log in to Digital Banking or open your Securityplus Mobile Banking app.

Desktop

  1. Click "Accounts" at the top of the screen.
  2. Click the eDocuments

Mobile

  1. Click "More" at the bottom right of the screen.
  2. Click "Accounts"
  3. Click "eDocuments"
  4. Learn more on eStatements here.

Digital Banking at Securityplus offers a wide range of features and benefits to help you manage your finances conveniently. Here are some of the things you can do:

  1. View Transaction History: Keep track of your account transactions and balances.
  2. Open Additional Accounts: Easily open new accounts, such as savings or checking accounts, as needed.
  3. Apply for Loans: Apply for loans conveniently through the digital banking platform.
  4. Access E-Documents: View and download your e-statements and other important documents.
  5. Manage Cards: Block your card if lost or stolen, set up card alerts for added security, and manage your card settings.
  6. Set Up Alerts: Receive notifications for account activities, such as low balance alerts or transaction alerts.
  7. Budgeting Tools: Utilize budgeting tools to track your spending and manage your finances effectively.
  8. Credit Score Widget: Monitor your credit score and access information about your credit health.
  9. Create Savings Goals: Set up and track your savings goals to achieve financial milestones.
  10. Make Loan Payments: Use your debit card to make loan payments, including payments from another financial institution.
  11. Bill Pay: Pay bills online quickly and securely.
  12. Transfer Money: Transfer funds between your accounts or to other accounts securely.
  13. Message Center: Send and receive messages securely through the message center.
  14. Participate in Skip-A-Pay: Eligible members can participate in the Skip-A-Pay program to skip a loan payment.

Why should I sign up for Digital Banking?

Signing up for Digital Banking offers you the convenience of managing your finances anytime, anywhere. With features such as viewing transaction histories, applying for loans, setting up alerts, and managing your cards, Digital Banking makes managing your finances

Please visit us at a branch or give us a call at 1-410-281-6200, and we can help complete your enrollment.

Loan Services

You can quickly pay your Securityplus loans through Digital Banking on your computer or Securityplus Mobile App.
 
Desktop:

1. Log into Digital Banking or register here.

2. On the main dashboard of the loan, if you wish to make a payment, click "Pay."

3. From there, you'll be able to transfer funds from your account.

-Or- 

 1. Log into Digital Banking or register here.

 2. Click the "Money Movement" option at the top of the screen.

 3. Click “Transfers.”

Mobile:

1. Click the loan you wish to make a payment.

 2. Click “Pay.”

 3. From there, you’ll be able to transfer funds from your account.

-OR-

  4. Click Transfers.

  5. From there, you’ll be able to transfer funds from your account to your loan.

Log into Securityplus Digital Banking on your computer or the Mobile App for a same-day payoff. If you need more than a same-day, send a secure message inside Digital Banking.

Coverdell Education Savings

The Taxpayer Relief Act of 1997 created the Education IRA, now known as the Coverdell Education Savings Account. Its sole purpose is to help you pay for your child's education expenses, such as tuition, fees, books, supplies, equipment, and in some cases, room and board and computers. The Economic Growth and Tax Relief Reconciliation Act of 2001 improved these options.

The deadline for making a Coverdell contribution is the tax return deadline for the year for which the contribution is being made (usually April 15 of the following calendar year) not including extensions.

Unlike Traditional IRAs, contributions to a Coverdell are never tax-deductible. However, a Coverdell offers you the potential for tax-free withdrawals - including earnings.

The total contributions each year to each child's Coverdell cannot exceed $2,000. If you're eligible, you can contribute the full amount for each child. For example, if you have three children and each has his or her own Coverdell, you can contribute $6,000 ($2,000 to each).

You can contribute the full amount if you are a:

  1. Single filer with Modified Adjusted Gross Income (MAGI) up to $95,000
  2. Joint filer with MAGI up to $190,000

You can make contributions of less than the full amount if you are a:

  1. Single filer with MAGI between $95,000 and $110,000
  2. Joint filer with MAGI between $190,000 and $220,000

If your income exceeds these amounts, you cannot make a regular Coverdell contribution for that year.

You can make contributions to a child's Coverdell until he or she reaches the age of 18. This age limit does not apply to special needs beneficiaries. This is a person who requires additional time to complete his or her education because of a physical, mental or emotional condition (including a learning disability).

No. Anybody who meets the income requirements can open and contribute to your child's Coverdell. This includes grandparents, aunts and uncles, family friends and anyone else who wants to pitch in to your child's education fund. Corporations, tax-exempt organizations and other entities can also make Coverdell contributions, and there are no income limits on these contributors. However, the total annual contributions to all Coverdells for each child can't exceed $2,000.

Every Coverdell must have one, and only one, "responsible individual" to oversee the account. This person decides when funds will be withdrawn and if and when funds will be rolled over to the Coverdell of a family member. You can be the "responsible individual" as long as you are a parent or legal guardian of the child. The child can serve as the responsible individual after becoming an adult.

As the responsible individual, you can withdraw funds at any time. However, to avoid tax consequences from the withdrawal, you must use the funds to pay for qualified education expenses for your child (the designated beneficiary) before he or she reaches age 30 (except that the age 30 limit does not apply to a special needs beneficiary).

Qualified expenses include tuition, fees, books, and equipment required for enrollment or attendance at nearly any post-secondary educational institution (public, nonprofit or proprietary). Certain room and board expenses also may qualify. Qualified expenses also include these same expenses for elementary and secondary education, and the purchase of computer technology or equipment that is used by the beneficiary and the beneficiary's family while the beneficiary is in school.

If your child (the designated beneficiary) decides not to go to college or leaves school before all the funds are withdrawn, you can roll unused funds into the Coverdell of another child in your family. The beneficiary of the Coverdell who receives the unused funds must be under the age of 30 (except that the age 30 limit does not apply to a special needs beneficiary).

Family members of the designated beneficiary who are eligible to receive unused funds include (but are not limited to) spouses, siblings, step siblings, nieces, nephews, parents, aunts, uncles, grandparents, children and grandchildren. Of course, some of these categories will be eliminated immediately, since the new designated beneficiary must be under the age of 30 at the time of the rollover (except that the age 30 limit does not apply to a special needs beneficiary).

The amount of scholarship money your child receives is deducted from the allowable expenses for the Coverdell. For example, if qualified expenses total $6,000 and your child receives a scholarship for $3,000, you can make a qualified withdrawal of $3,000. Remember that unused funds can always be rolled over into the Coverdell of a family member.

No, rollovers from a Traditional or Roth IRA into a Coverdell are not allowed.

Member Accounts

Opening a Securityplus Savings account offers numerous benefits, including:

  1. Competitive Interest Rates: Enjoy competitive interest rates that help your savings grow faster.
  2. Security and Peace of Mind: Benefit from the security and stability of a trusted financial institution.
  3. Convenience: Access your savings account online or through our mobile app, making it easy to manage your money anytime, anywhere.
  4. Member Benefits: As a member, you'll have access to exclusive benefits and services designed to help you achieve your financial goals.
  5. Financial Education: Gain access to financial education resources and tools to help you make informed decisions about your money.

To learn more about the benefits of opening a Securityplus Savings account, click [here].

Opening a Share Certificate at Securityplus offers several advantages, including:

  1.  Higher Interest Rates: Share Certificates typically offer higher interest rates than regular savings accounts, allowing your money to grow faster.
  2. Fixed Returns: With a Share Certificate, you'll know exactly how much interest you'll earn over the term of the Share Certificate, providing predictability and stability.
  3. Flexible Terms: Securityplus offers a range of Share Certificate terms to suit your financial goals, whether you're saving for the short or long term.
  4. Security: Your Share Certificate is insured up to the maximum allowed by law, providing peace of mind knowing your investment is protected.
  5. Automatic Renewal: At maturity, your Share Certificate will automatically renew for the same term, giving you the option to continue earning interest or make changes as needed.

To learn more about the benefits of opening a Share Certificate at Securityplus, click [here].

Opening a Securityplus Individual Retirement Account (IRA) offers several benefits, including:

  1. Tax Advantages: Depending on the type of IRA you choose, you may enjoy tax advantages such as tax-deferred growth or tax-free withdrawals in retirement.
  2. Retirement Savings: An IRA is a great way to save for retirement, providing a dedicated account to help you reach your retirement goals.
  3. Investment Options: With a Securityplus IRA, you'll have access to a variety of investment options, allowing you to choose investments that align with your retirement strategy.
  4. Flexibility: IRAs offer flexibility in terms of contributions and withdrawals, giving you control over your retirement savings.
  5. Security: Your Securityplus IRA is insured up to the maximum allowed by law, providing peace of mind knowing your retirement savings are protected.

To learn more about the benefits of opening a Securityplus IRA, click [here].

Opening a Securityplus Money Market Account offers several advantages, including:

  1. Competitive Interest Rates: Money Market Accounts typically offer higher interest rates than regular savings accounts, allowing your money to grow faster.
  2. Security: Your Money Market Account is insured up to the maximum allowed by law, providing peace of mind knowing your investment is protected.
  3. Flexibility: Money Market Accounts offer flexibility in terms of deposits and withdrawals, making it easy to access your funds while earning interest.
  4. Tiered Interest Rates: With Securityplus, you may qualify for higher interest rates based on the amount you deposit, allowing you to maximize your earnings.

To learn more about the benefits of opening a Securityplus Money Market Account, click [here].

Yes, Securityplus offers a variety of accounts specifically for youth with an accompanying custodian/parent as joint owner.

Learn more about youth accounts 

Member Digital Services

We offer Apple Pay®3, Google Pay™ and Samsung Pay® for use in stores. Digital wallets provide a secure alternative to entering your Securityplus card information. At a register, simply wave your phone at the terminal to pay.

Member Services

As a member of Securityplus, you have access to a commissioned Notary Public at any Securityplus branch for no additional cost. We also provide Medallion signature guarantee services free of charge for our members at any Securityplus branch.

Please note, you must be a member of Securityplus Federal Credit Union to receive notary or medallion signature guarantee services.

Q: Who can refer a friend to earn a $50 Amazon gift card reward?
A: Securityplus members are eligible to refer friends and earn rewards.

Q: How can I refer a friend?  
A: You can refer friends via email or through the social media options displayed on our website.

Q: What does my friend need to do to qualify for the referral reward? 
A: Your friend needs to open a valid checking account Digital, fund it with a $50 opening deposit, and maintain the account for 30 days.

Q: What happens after my friend completes the requirements?
A: Once your friend meets the requirements, both of you will receive a $50 Amazon gift card.

Q: Is there a limit to the number of friends I can refer?
A: You can earn up to $500 in gift card rewards each calendar year by referring friends.

Q: How can I start referring friends?
A: Simply go to our website, click on "Refer a Friend," and enter your email address to get your share link.

Q: How will I receive my reward?
A: You will receive your $50 Amazon gift card reward via email.

Q: Are there any other terms and conditions I should be aware of?
A: Please refer to the full terms and conditions on our website for complete details on the referral program.

Yes, we do! Our coin counting service is free for members and available at our main office and Woodland branches. If you prefer assisted service, you can use the teller line at our CMS, Owings Mills and Northwest Plaza branches.

Yes, we offer money orders as a safe, convenient, and economical way to make purchases. They are available up to $1,000 at any of our branch locations.

Yes, we offer night deposits at selected branches. You can make direct deposits at our Owings Mills, Northwest Plaza, Woodlawn, and Main Office branches.

The cost of renting a Safe Deposit Box varies depending on the size of the box. Please contact your branch for current pricing information.

  • Small and Medium Safe Deposit Boxes are located at our Woodlawn Branch.
  • Small, Medium, and Large Safe Deposit Boxes are available at our Owings Mills Branch.

To rent a Safe Deposit Box, visit your nearest branch and speak with a member service representative.

Auto Refinance

Auto loan refinancing is the process of replacing your current car loan with a new one, typically with better terms, such as a lower interest rate or a different loan term. This can help reduce your monthly payments or shorten the time it takes to pay off your loan.

If you're looking to lower your monthly payments, reduce your interest rate, or change your loan term, refinancing could be a good option. We recommend speaking with one of our loan specialists to discuss your specific situation.

At Securityplus, we aim to make refinancing as affordable as possible. Our loan specialists will walk you through any applicable fees, so there are no surprises.

Close Account

Once you request to close your account, all associated services such as ATM cards, Visa debit, and credit cards will be deactivated as of the closure date. This means your accounts will be fully deactivated, and no further transactions will be processed.

To ensure a smooth closure, please confirm:

  • There are no outstanding checks or scheduled debits (ACH transactions).
  • All balances owed to Securityplus (such as loans or credit cards) are paid off under your member number.

Yes, you remain responsible for any transactions that post after closure.

No, your primary share account must remain open until all balances are cleared. This includes any loans, lines of credit, or credit card debt.

Before closing, ensure all direct deposits and scheduled debits are either moved to another account or canceled. Failure to do so may lead to missed payments.

  1. Review your account to ensure there are no pending transactions.
  2. Settle any outstanding balances associated with your member number.
  3. Submit a closure request through digital banking, in a branch, or by contacting us.
  4. Receive confirmation that your account has been successfully closed, and all linked services have been deactivated.

Once closed, your account cannot be reopened. You would need to apply for a new account if you wish to rejoin.

If you need assistance, please contact our Member Services team at 410-281-6200 or visit a branch near you. We’re here to help you through every step of the process.

At Securityplus, we're committed to supporting you at every stage of your financial journey, and we’re grateful for the trust you’ve placed in us. Should your needs change, we’re always here to welcome you back.

Key Features

Earn competitive monthly dividends based on your average daily balance, with rates designed to maximize returns at every stage of your savings journey.
Manage your account seamlessly through Digital Banking, ATMs/ITMs, and Voice Banking.
Open your account with a minimum deposit of $5,000 and enjoy immediate growth potential.
Make up to two fee-free withdrawals per month to keep your money accessible. (Additional withdrawals are $25 each.)

Are you a Securityplus Member?

We're Thrilled to Have You as Part of the Securityplus Family!

Enhance Your Relationship

Member Referral Benefits
 
  • Now that you are a member, give the gift of membership and earn rewards for doing it! Earn up to $500 a year.
  • Generate your unique referral links here.
Let's get started on your Secuityplus Journey!