We have received reports of a text message being sent to members requesting sensitive information; this is not an approved message from our Associates. Please call us at 270-796-8500 to report a message. Remember: Do not give out personal information, bank logins, or SSNs when someone calls or messages you. Legitimate businesses will never contact you requesting this information.

Saturday, June 10th, online banking will be unavailable from 7 PM until 2 AM Central Time due to maintenance. We apologize for any inconvenience and appreciate your understanding.

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Digital Banking

 Online and Mobile Banking

Our digital tools help you access and manage your money so you can keep your finances on track. Enjoy 24/7 account access online or via the app to easily view all your Service One accounts - checking, savings, loans, Visa® credit cards, and more. You can even view your accounts from different financial institutions, all from the online banking dashboard. It’s free and easy to use, so you’ll save time and money!

  • Open a checking or savings account in just a few minutes
  • Access account balances, reorder checks, see cleared check images and view eStatements
  • Quickly deposit checks from anywhere
  • Transfer funds, pay bills and receive account alerts
  • Easily apply for loans and credit cards
  • Maintain your contact information
  • Create budgets, make savings goals, and monitor spending habits
  • Send and receive secure messages
  • Color code your accounts to easily recognize them

Quick Tip:

Need to transfer money to another member? No problem! To get started select the “transfer” button, then select “Transfer to another Service One CU member” in the middle of the page. Next, add the information of the person you wish to transfer money to and click “save” to add the account. Now you’re ready to complete the transfer. Select the correct account and enter the amount, then select “submit transfer”.

Log into your account to access

Account Alerts

 Stay on top of your account with alerts!

Hands Holding Phone

Activate account alerts for your Service One account transactions to receive email or text notifications when:

  • Available balance drops below or exceeds a set amount
  • Specific check number clears
  • Loan payment is due or past due
  • Savings goal completed
  • Bill payments, deposits, withdrawals, and other selected transactions occur

To enroll in Alerts of your choice, log into Online Banking, click on Tools in the top menu, and select Account Alerts.  If you are using the mobile app, you will need to choose More in the menu at the bottom before proceeding to Tools. You can manage the types and stop or suspend them at any time.

Card Alerts and Controls

Interested in tracking card usage or restricting your card from being used?  Enroll and set up notifications or turn off your card for all or specific transactions.  You can manage it all with a few clicks and swipes.  Log into Online Banking or use the app and go to Tools and Manage Cards.  Reporting a lost card or adding travel notices are also available.  You will be ready to go in a matter of minutes!


Card Services

 Card Issues

Need to Activate your Card?
Please call the number shown on the activation sticker on your card from the phone number on your account, or call 1-800-527-7728.

Lost/Stolen Card, call 1-800-449-7728.
For Debit or Credit Cards, call

Receive a Letter/Message about a blocked or compromised Card?
If you received a message or letter that your card has been blocked because of unusual spending activity, please call 1-800-654-7728 to verify transactions.

Remember Service One would never ask for sensitive information like your social security number, account information, or card number by text, email, or telephone.

Problems with your Debit Card? 
Please call

Reset pin #, call 1-888-886-0083Note: must call from the phone number listed on the account.

Traveling with a Debit or Credit Card?

Traveling, suitcase, airplane, hat, camera

As a safeguard, our Fraud Detection service may flag or temporarily block your card if spending patterns change dramatically until you can be reached to verify recent activity. You may want to contact Service One before you travel to let us know where you will be, and how long you will be away to minimize any potential problems when using your card.

To obtain assistance while traveling within the US call 1-800-VISA-911 or 1-800-847-2911.
To obtain assistance while traveling outside the US call collect 410-581-9994.

Bill Pay

Bill Pay

 Automate the way you pay!

Don't miss paying a bill, even if you are out of town!

The internet has made paying bills fast and easy for anyone. Using our bill pay service, you can set up a secure online account that lets you pay all your bills from one place, saving time and effort. Not only that, but you can avoid late fees with automated payments.  You can schedule recurring payments or process a one-time payment on your preferred date.

Schedule your payments a few days in advance of the due date with Bill Pay.  Save time and money by paying your merchants online.

…and it’s FREE*



E-Statements are an easy and quick way to review your account any time of the day or night!

Sign up for E-statements, and your statements are available after logging into your account. E-statements can be downloaded and printed.

Mobile Deposit

 Deposit Checks from anywhere!

Mobile Deposit

Save the drive to the bank & make a deposit from your phone

Use the Mobile Deposit option within our Service One Mobile app to deposit checks anywhere, anytime from your Smartphone, tablet or notebook device.

If you have questions, see the FAQ's below. 


User License Agreement


Mobile Deposit FAQ's

Note: Members who sign in with a new device will be given three choices to authenticate their account. SMS (code sent to the cell number on file), Call (to the phone number on file), or Email (to the email on file).

What is Mobile Deposit?

Mobile Deposit is a free, secure, online banking service that allows eligible members of Service One Credit Union to deposit funds using their smartphone (iPhone or Android – see compatibility below) or Kindle, into their Service One account.

How do I endorse my checks?

Endorse your check with your name as it appears on the front of the check, and it must include the following information:

“For Mobile Deposit Only at Service One Credit Union, account #, your signature”

Example, “For Mobile Deposit Only at Service One Credit Union, #1234567, John Doe.”

Your check will not be accepted for deposit if it does not contain your endorsement as noted above. In this situation, you will receive an email noting the rejection of the item.

In the event that an item was rejected due to a circumstance that you were subsequently able to correct, you may re-submit the corrected item or bring it to any branch. Branch staff will consult with Electronic Services (ESO) staff to ensure proper acceptance of the item. Duplicate presentment of the same item will be cause for removal from the Mobile Deposit program and potential closure of the account if Service One Credit Union suffers a loss due to the double-presentment.

What equipment is needed for Mobile Deposit?

The following are the minimum currently supported environments.

  • For iPhone/iPad: minimum operating system 7.0+, the free Service One app available through the App Store
  • For Android devices: minimum 2.3+ operating system, the free Service One app available through the Android Market
  • For Kindle devices: any Kindle Fire versions, the free Service One app available through the Kindle (Amazon) App Store

What are the minimum operating systems?

For iPhone/iPad, the minimum is 14.5.  For Android, the minimum is 8.0.

Who is eligible for Mobile Deposit?

In order to use Mobile Deposit, you must be a Service One member who meets the following requirements:

  • At least 16 years of age
  • No history of returned deposit items
  • Valid email address
  • Current user of Service One’s mobile app
  • Must be in good standing

Are there limits on the dollar amount of funds or the number of checks I may present through Mobile Deposit?

Yes, Service One sets limits on the amount and number of items that you can deposit via Mobile Deposit each day as well as cumulatively for the month. Please contact Service One for the currently established limits.

Is there a fee to use Mobile Deposit?

There is no fee to use Mobile Deposit. Please refer to the Service One Credit Union “Fee Schedule” for any associated fees that may apply.

How do I sign up for Mobile Deposit?

Go into our Mobile App from your smartphone. Choose “Mobile Deposit” to start the enrollment process. Complete the enrollment form and acknowledge the End User License Agreement. The Agreement explains your responsibilities and liabilities as a Mobile Deposit user and the Credit Union responsibilities. You will receive a thank you message for enrolling and a message with notification of your enrollment status.

How will I receive notifications about Mobile Deposit registration and deposits?

All notifications will be sent to the email address you listed when you enrolled in the program. You must keep this email current. Deposit transaction statuses will be updated in the Mobile Deposit app. If you have enabled push notifications from the credit union, you will also receive these notifications on your phone.

What types of checks cannot be deposited using Mobile Deposit?

  • Foreign Items
  • Savings Bonds
  • Third-Party Check Items (double endorsement items)
  • Checks purported to be a lottery or prize-winning
  • Checks previously endorsed by Service One Credit Union
  • Checks that contain evidence of alteration
  • Stale-dated or Post-dated checks
  • Incomplete checks (i.e. missing date, missing payee, improper endorsement, etc.)
  • Items stamped “non-negotiable”
  • Substitute Checks

What happens to the images after they are scanned?

When using an iPhone or Android phone for scanning, check images captured are stored on the device until they have been submitted successfully. Please try to complete each deposit promptly. In the event that you are unable to promptly complete your deposit, please delete the associated images from the application.

How long should I save the original check(s) after scanning?

Checks should be securely stored for a period of thirty (30) days after you receive confirmation from Mobile Deposit that your deposit has been accepted. This provides sufficient time for research in case there is an issue with the image quality or if the original item is required for any other reason.

Do not leave your deposited check lying around unsecured and do not put the deposited checks in the trash or recycle bins unless they have been shredded first. The paper check should be stored in a secure place and should be irretrievably destroyed after the 30 day retention period. A cross-cut or diamond shredder will assist in the complete destruction of the check information.

When will my deposit be credited or available?

Generally, for deposits received before 2:30 pm Central Standard Time (CST) on a business day that we are open (business days do not include Saturday, Sunday, or Holidays), we will consider that day to be the day of your deposit. Deposits received after 2:30 pm CST will be considered received the following business day. Funds from your deposit generally will be available to you on the first business day after your deposit. However, Service One Credit Union standard Funds Availability Policy (case-by-case determination) may apply to items deposited by mobile check deposit.

How can I get a copy of my image after submitting my deposit?

You may request a copy of the negotiated item by contacting the Credit Union at the number listed below. Ask for the ESO (Electronic Services) department and be sure to tell them it was an item deposited through Mobile Deposit. Your phone may also retain a copy of the item for a time, depending on the type of phone you use.

Check image tips:

  • Take the photo against a background with a strong contrast between the check and the surrounding area.
  • Position the camera above the check so there is no angle.
  • Move any objects that show up in the picture away from the check.
  • Make sure the check is visible, contains all four corners, is well lit, and in focus.
  • The check must contain a readable check number, payee name, and endorsement as described below.
  • The check must contain a readable character (numeric) amount of the check and the legal amount of the check.
  • The check must be drawn on an institution located within the United States.

Deposit Instructions:

Endorse the item as required: “For Mobile Deposit Only at Service One Credit Union, account #, your signature”

Log into the Service One Credit Union mobile banking app, mobile deposit function

  • Select Make Deposit from the menu
  • Select the account to receive the deposit
  • Enter the amount of the check
  • Take a photo of the front and back of the check and press continue
  • The next screen will show Deposit Submitted!
  • You will receive a confirmation via email that the check is being processed
  • You can review your pending, approved, and rejected deposits under the review tab on the main menu
  • Securely store your check for 30 days

Can I add additional accounts?

Yes, you can add any accounts where you are the primary member or joint owner. Be sure to use the main account number (aka member number) and the account suffix (Example: 12345621, where 123456 is the member number and 21 is the suffix). Contact the ESO Department at 270-796-8500 if you need assistance with this option.

Where can I go to receive help with Mobile Deposit?

Please call the ESO (Electronic Services) department at the number listed below, and we’ll be glad to help.

For errors or questions about your deposits, call the credit union at 270-796-8500 (ask to speak with someone in ESO about your mobile deposit) Monday through Friday (excluding holidays) during business hours or write to the credit union at PO Box 51770, Bowling Green, KY 42102, Attn: ESO. You must contact the credit union by either method described above no later than sixty (60) days after the credit union has sent the first statement on which the error or problem occurred (as stated in the short-version error-resolution notice provided on each member statement).

Please refer to the “End User License Agreement” you agreed to at enrollment for complete terms and conditions of use of this product.

Mobile Wallet

 Give your wallet a digital makeover with Mobile Wallet at Service One!

Forgot your wallet? No problem!  Purchasing has never been easier. Mobile Wallet

Mobile Wallet is a fast, safe, and simple way to pay online and on the go. Use your smartphone or smartwatch to make purchases. Apple Pay®, Google Pay™, and Samsung Pay® are quick and easy to set up on your smart device and are available to use at merchants who accept this form of payment. Add your Service One debit or credit card today and fly through your next checkout experience with a simple tap.

Apple Pay               Google Play                Samsung                 Fitbit pay                Garmin Pay

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Google, Google Pay, and the Google logo are trademarks of Google Inc. ©2015 Samsung, Samsung Pay, Samsung Galaxy, and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with the law. Fitbit Pay is/are registered trademark(s) or trademark(s) of Fitbit, Inc. and/or its affiliates in the United States and other countries. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Wire Transfers

 Send and Receive Money by Wire Transfer

Bank Wire Transfer

Our wire transfer services are a convenient way to move money around the world.  When you want to get funds to someone in the US or another country, you can use wire transfers to get the funds to them.

A wire transfer is an electronic payment service for transferring funds by wire, for example through SWIFT, the Federal Reserve Wire Network, or the Clearing House Interbank Payments System.

Do you have questions?  Look over the wire instructions below and if you have questions, give our Member Service Center a quick call, 270-796-8500.

Wire Instructions


 Go Mobile! 


Apps for iPhone, Android, and Kindle are available! Download the free apps at the app store for your device.

Enjoy our Mobile Services.

Apple Store



Google Store

Garmin Pay symbol

Fitbit Pay

Terms of Use


Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. Google, Google Pay, and the Google logo are trademarks of Google Inc. ©2015 Samsung, Samsung Pay, Samsung Galaxy, and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with the law. Fitbit Pay is/are registered trademark(s) or trademark(s) of Fitbit, Inc. and/or its affiliates in the United States and other countries. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

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