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Text Banking!


Are you using your mobile phone or smartphone more and more lately? Do you feel lost without it?
Would you like to have the convenience of being able to view your balances, check your account history, transfer funds, pay your loan, and much more - right from your mobile phone?  Well, now you can!  Access your SJFCU account from your phone with our Text Banking service!
In addition, you can set up text alerts when your funds are running low. You can find this service on the “Account Alerts” tab when you log into your SJFCU OnLine account. It’s a valuable tool that helps you keep your finances in order.
Some of the functions available:

  • Account Balance and History
  • Check Clearing
  • Transfer Funds
  • Loan Balance and History
  • Loan Payment
  • Receive account alerts
  • And more

How to use text banking
To sign up for text banking, log in to your SJFCU OnLine account and click on TXT BANKING from the menu on the left. When signing up, you will need to register your phone number and mobile phone carrier.
To use text banking, send a text message to from your mobile phone.
Note: Standard text messaging rates apply.  You will need a phone with the capability of texting to an email address to access this program.

Text Commands 

To Receive Send This Text Message*
BAL [your pin
HIS [your pin] [optional suffix]
LBAL [your pin] [loan suffix]
LHIS [your pin] [loan suffix]
ACC [your pin]
LOA [your pin]
CHK [your pin] [check number] [optional suffix]
PIN [your pin] [new pin]
TRN [your pin] [from suffix] [to suffix] [amount]
PMT [your pin] [from suffix] [to loan suffix] [amount]
SET [your pin] [account suffix]

* Legend
Account suffix - The account suffix you would like to use.
Amount - The dollar amount of the transfer or payment.
Check number - The check number you would like to search for.
From suffix - Your account suffix used for the source of funds for your payment or transfer.
Loan suffix - Your loan suffix you would like to query against.
New pin - Your new access pin you would like to use.
Optional suffix - By default your message will use the default account suffix. Include an account suffix here when you would like to use a different account suffix.
To loan suffix - Your loan suffix you would like to make a payment to.
To suffix - Your account suffix you would like to transfer funds to.
Your pin - Your current access pin.