The most frequent issue is an incorrect password. Your account will automatically lock after four (4) incorrect attempts . If you've failed twice and aren't sure of your password, please call us immediately to prevent being locked out.

An eBill is the electronic version of your paper bill. You can view it directly within the Bill Pay feature. If a payee supports eBills, you will see an icon allowing you to sign up, which lets you see the amount and due date without waiting for physical mail.

Online Banking

Q: What if I forgot my password?

You can reset your password by clicking the "Reset security code/password" link on the login page. You must have a current email address on file with SFCU to get the reset instructions (check your SPAM folder if you don't see the email).

Q: What if I'm locked out by security questions (MFA)?

Security questions are a vital part of your account protection. Remember: answers are case-sensitive and must be at least 4 characters long. If you are locked out due to "MFA" (multi-factor authentication), do not attempt an online password reset; please CALL US for assistance.

Q: How can I avoid forgetting my password?

We strongly recommend using our mobile app and enabling Biometric Login (FaceID or Fingerprint). This allows you to check balances without entering a password, although you will still need it to approve transfers or deposits.

Q: Is the Bill Pay service free?

Absolutely! Bill Pay is a complimentary service provided to all Sunrise Family Credit Union members.

Q: How quickly will my payment be received?

Electronic payments typically arrive within 1–2 business days. If the payee requires a physical check, delivery may take 5–7 business days. Always refer to the "Deliver By" date when you schedule a payment.

Your Branch, Without the Drive.

Manage Your Finances Anywhere, Anytime.

Welcome to Virtual Branch with Sunrise Family Credit Union. Managing your finances has never been easier or more convenient. With our state-of-the-art online banking platform and seamless integration with the SFCU Mobile App, you have full control over your accounts 24/7, right at your fingertips.

Features

Guaranteed safe and secure, Online Banking is like having your own personal credit union branch right in your home or office.

View Account Balances: Get real-time updates on all your SFCU accounts.
Transfer Funds: Seamlessly move money between your accounts or even transfer to another SFCU member!
View, Save, or Print eStatements: Access your history without the paper clutter.
Online Bill Pay: Pay your bills quickly and easily from one secure dashboard.

Enroll in eAlerts: Stay connected with mobile text or email alerts for low balances, upcoming loan payments, and more.
Schedule Automatic Transfers: A great way to put your savings plan on autopilot.
Check Management: Reorder checks and view images of checks that have cleared your account.

Security First: We use robust encryption and multi-factor authentication (MFA) to ensure your personal information is protected.
Apply for Loans: Start your next application for a mortgage, auto loan, or personal loan online.
Purchase Share Certificates: Grow your savings by opening a certificate directly through Virtual Branch.

Secure Now

To keep you safe, Secure Now offers additional multi-factor authentication to secure your online banking information. This is a mandatory layer of security to ensure your information is being kept safe. You will choose if you want to receive a text message or a phone call with a security code that you will enter while logging into Online Banking.

eStatements

eStatements offer a modern, efficient way to access your account information:

Faster Access: Receive your statement digitally, typically ready 3–5 days sooner than traditional paper mail.
Enhanced Security: Delivered securely within Online Banking, reducing the risk of identity theft associated with physical mailboxes.
Simple Retrieval: Easily view, save, or print your statement anytime by logging into Virtual Branch or Mobile Banking.
Identical Content: Your eStatement contains the exact same information as a traditional paper statement.
Retrieve Previous Banking History: Obtain up to 13 months of e-statements. Please contact your local SFCU branch if you need additional history.

Ready to Enroll? Simply log in to your Virtual Branch account and click the "eStatements" tab to switch to paperless delivery.

How to Enroll in Online Banking

Ready to get started? You just need a few things:

Member Number: Your primary SFCU account number.
4-Digit PIN: This is the personal PIN you set up when you opened your account.

Please Note: This is NOT your debit card PIN. * If you do not have a 4-digit PIN, please CALL US at (989) 684-1730 before enrolling.

First-time Login Tip: If you were enrolled in our previous system (NetBranch) prior to October 2023 and haven't logged in since, your temporary PIN is the last 4 digits of your Social Security Number.

Enroll Now Login to Virtual Branch

Online Banking Support: Common Questions

Why can't I log in?

What if I forgot my password?

What if I'm locked out by security questions (MFA)?

Preventing Lockouts

How can I avoid forgetting my password?

Online Bill Pay

Paying bills and managing your finances is a breeze with our online banking features:

Ultimate Convenience: Handle all your electronic bills and payments in a single, centralized location
Enhanced Security: Send secure electronic payments to guard against check fraud associated with paper mail.
Total Control: Set up one-time or recurring payments to eliminate the worry of late fees.

Simplified Tracking: Easily review your payment history and see all upcoming scheduled transactions at a glance.
Significant Savings: Cut down on monthly expenses for stamps, envelopes, and trips to the post office.
Peace of Mind: Securely confirm successful payments by checking your account status anytime.

Bill Pay FAQs

Is the Bill Pay service free?

What is an eBill?

How quickly will my payment be received?

Sunrise CardSecure+, Control in the Palm Of Your Hands

Manage Travel Plans
Turn Your Card On/Off

Report Lost/Stolen
Set Your PIN

Spending Insights
View Your Digital Cards in Apple Wallet, Samsung Pay or Google Pay

Steps to Add a Card in Sunrise CardSecure+:

Access Sunrise CardSecure+: Open your financial institution's mobile banking app and navigate to "My Cards," often found under a "More" menu.
Select Card: Choose the debit or credit card you want to add.
Add to Wallet: Look for a button that says "Add to Apple Wallet" or "Add to Google Pay" (often a black "GPay" button).
Verify Information: Follow the on-screen prompts. Sunrise CardSecure+ will use push provisioning to securely pass card details to your digital wallet, reducing the need for manual input.
Accept Terms: Agree to the terms and conditions and complete any required authentication (like receiving a SMS/email verification code).