Sun Pacific FCU Mobile App
Our Sun Pacific FCU Mobile App* allows you to access your account 24/7 wherever you are. View balances, see transaction history, deposit a check**, make a transfer, or find an atm – all within the app.
Download the App
To Download the App, Click the Icon Appropriate for Your Device. Or Search, “Sun Pacific Fcu Mobile” in Your Device’s App Store.
Log In Options
You can continue to log in using your SunPac Online username and password, or take advantage of two new ways to access your account. It's up to you.
Fingerprint: Enroll once and enjoy fast finger access to unlock mobile app features.
Face Recognition: Open your app using only Face Recognition. Your unique facial features are mapped, and let you access your account without typing or saying a word.
How-To Video Tutorial
Learn about our Mobile App banking options and convenient features. Click the video tutorial below:
*Please note, not all phones offer biometric options. Mobile and data rates may apply.
**Answers to most questions regarding our mobile deposit feature can be found in the Mobile Deposit FAQ
Mobile Deposit Capture Frequently Asked Questions
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To use Mobile Deposit Capture, you must be at least 18 years old, a member for one month or more, and have a Checking Account.
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Mobile Deposit Capture is free! There is no cost to download our app and no additional equipment to purchase.
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Yes, make sure the check is endorsed with the following Endorsement Requirements: Via SPFCU Mobile, Account Number, Date, and Your Signature.
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Sending a clear image of the front and back of the check is all that we need to make your deposit.
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You can make deposits to your Savings and Checking Accounts.
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Yes, you will use your SunPac Online username and password to use Mobile Remote Deposit Capture.
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Funds will appear in your account after your "deposit" has been approved. This is usually within 24 hours (similar to an in-person check deposit), provided there are no issues with the deposit. You should be notified by email if there are any issues with your check deposit. REMEMBER to read the Terms and Conditions for mobile deposit and abide by the rules.
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Please refer to the Terms and Conditions.
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Items that cannot be deposited are:
Third-Party Checks
Checks not payable to you
Checks over $5,000
Checks with conditional endorsements
Checks payable to more than one person, where all parties are not signers on the account
Any item stamped “non-negotiable” or “this is not a check.”
"Stale" or "Post-dated" checks
Any item issued by a financial institution in a foreign country or in foreign currency
Any item that is incomplete
Any item that contains evidence of alteration
Any item drawn on your account at Sun Pacific FCU
Remotely created checks
Cashier’s Check
Money Orders
Savings Bond
Traveler’s Check
U.S. Treasury Check
Important Things To Note
Transmission Limits
You understand and agree that the Credit Union may, from time to time and at its sole discretion, establish limits on the amount and/or number of Images that you may transmit via the Service. Any transmission you attempt to make that would exceed these limits may be rejected by us. Notwithstanding the foregoing, if we permit you to transmit one or more Images in excess of these limits, your use of the Service will nonetheless be subject to all other terms of this Agreement, and we will be under no obligation to permit you to exceed these limits at any time in the future. Currently, the maximum dollar amount of any Image that may be transmitted is $5,000.00; the maximum dollar amount of all Images that may be transmitted in any one business day is $5,000.00. We reserve the right to change these limits at any time without prior notice to you.
Processing Deadlines
Any Image transmitted to the Service by 11:30 a.m. Pacific time on a business day (as defined herein) will be considered for acceptance that business day; an Image transmitted after 11:30 a.m. Pacific time will be considered for acceptance on the next business day. We will make our determination concerning whether or not to accept the Image for deposit by 11:30 a.m. Pacific time, and you will be notified in the Service at the time we make our decision. Accepted Images will be credited to the Account by 2:00 p.m. Pacific time.
Funds Availability
You understand and agree that deposits of Images via transmission to the Service may not be available for immediate withdrawal, and we may withhold the availability of funds from the deposited Image. Any hold placed on a deposit transmitted via the service will be done so in accordance with our Funds Availability Policy Disclosure. You understand and agree that, solely for the determination of any applicable hold, an Image will be deemed a “check” as that term is used in our Funds Availability Policy Disclosure.
Storage and Destruction of Original Checks
Upon receipt of confirmation that we have accepted an Image of an original Check, you understand and agree that you will retain possession of the original Check for a period of 30 calendar days, during which time you will ensure the safety and integrity of the original Check. You understand and agree that, at the expiration of this 30 calendar day period, you MUST destroy the original Check via a commercially acceptable means of destruction, including shredding (preferably via a cross-cut shredder), burning, or pulverizing the original Check, after which the Image will be the only evidence of the original Check.