FAQs and How to's

Opening accounts at Sierra Pacific Credit Union is a simple and straightforward process! To open an account all you need to do is:

• Become a member of Sierra Pacific Credit Union if you aren’t already.
  • Visit a branch or view our Membership Page for information on joining Sierra Pacific.

• Find your local branch or visit the page for the account or product you’re interested in.
  • Having trouble finding the account or product page you’re looking for? Try our search bar, or contact us directly with questions.
• Once you’ve found the account you’re interested in, select the Open Account button.

All Sierra Pacific members are able to access online and mobile banking! You’ll need to enroll in online banking before you can access our mobile app. To set up your online login, follow the steps below:

1. Visit our online Sign In Page.
2. Click the Enroll Now button.
3. Be sure you have the required information.
• Your First and Last Name
• Your Account Number
• Your Social Security Number
• Your Zip Code
• Your Date of Birth
• Email Address Provided to Sierra Pacific
• Click the Start Enrollment button.
4. Click the Start Enrollment button.
5. Follow the instructions and prompts to complete your enrollment! 

Having trouble getting enrolled, or already enrolled but unable to sign in? Contact us directly, we’re happy to help!

Sierra Pacific accounts all require the same routing number, but each account number is unique to each member account.

• Sierra Pacific’s Routing Number: 321280237

Your account numbers can be found on your opening documents or by contacting a branch for help.

Routing numbers direct funds in and out of the appropriate financial institutions and departments. All Sierra Pacific accounts use the same routing number.

• Sierra Pacific’s Routing Number: 321280237

eStatements mean less waste, less clutter, and more security for your financial information. eStatements are stored securely in your online banking profile, and can be accessed online or in Sierra Pacific’s mobile app.

Easily enroll in eStatements through your online or mobile app by following the steps below:

• Enroll in Online Banking if you haven’t already.
• Log in to your online or mobile app.
• Open the main menu and select the Email or Email Settings tab.
• Select the email you’d like eStatement notices sent to.
• Follow prompts to activate eStatements.
• Review and agree to the Electronic Statement Consent Agreement.
• Save your settings and you’re set.

Your eStatements are visible in the Statements + Documents page in online and mobile banking. You can sort, view, and download copies to save or print at any time.

To find your eStatements:

1. Log in to your online or mobile app.
2. Open the main menu and select the Statements + Documents tab.
3. Select the month of the statement you would like to view.
4. In Online Banking, click Save to download the statement.

To prevent fraud and reduce the risk to funds deposited, many credit unions and banks impose daily and monthly limits on transactions, and Sierra Pacific is no exception.

While we prize ourselves for member service and convenience, these limits are necessary to our efforts to protect members from participating in fraudulent activity whether knowingly or unknowingly.

Daily Limits:

• Outgoing Transaction: $1,000 from your Sierra Pacific account to an external institution.
• Incoming Transaction: $3,000 to your Sierra Pacific account from an external institution.

Monthly Limits:

• Outgoing Total: $2,000 per month transferred from your Sierra Pacific account to external accounts.
• Incoming Total: $5,000 per month transferred into your Sierra Pacific account from external accounts.

Choose from hundreds of check designs to find the one that expresses who you are. To order or reorder checks, click the button below, and you’ll be directed to our check manufacturer.

Order My Checks

Get your paycheck deposited directly to your Sierra Pacific account! To have all or a portion of your paycheck direct deposited, contact your employer and supply the following:

• Sierra Pacific FCU Routing Number: 321280237
• Your Sierra Pacific FCU Account Number

Don’t delay, and enroll today!

Easily make a payment to your Sierra Pacific Credit Union account through a number of convenient options: online transfers, Express Pay Portal, phone payments, in-branch services, direct deposit, or mailed checks.

Online Transfer – Through online or mobile banking: 

• Transfer from Sierra Pacific to external accounts.
• One-time or recurring payments.
• No processing fee!

Express Pay Portal – Transfer from other banks to Sierra Pacific:

• Pay with a debit card.
• One-time or recurring payments.
• $8.00 per transfer fee.

Over the Phone – Call a Sierra Pacific branch to pay over the phone with:

• Debit or Credit Card: $12.95 fee per payment.
• External Bank Draft: $12.95 fee per payment.
• Sierra Pacific Account Funds Transfer: No processing fee!

In Branch – Visit a Sierra Pacific branch or a Co-Op Shared Branch in person to pay with:

• Cash: Branches do NOT carry change. Round payment amounts to the next dollar.
• Check: Make payable to Sierra Pacific Credit Union. Include account number and loan suffix on memo line.
• Debit or Credit Card: $12.95 fee per payment.
• External Bank Draft: $12.95 fee per payment.
• Sierra Pacific Account Funds Transfer: No processing fee!

Mail-in Payment – To pay through mail, simply:

• Write a check payable to Sierra Pacific Credit Union.
• Include your Sierra Pacific account number and loan suffix on the memo line.
• Mail to:     Sierra Pacific FCU
  PO Box 10100
  Reno, NV 89520

Schedule payments and transfers ahead of time to move money between Sierra Pacific accounts or to loans using the Transfer tool, available in online banking and our mobile app.

To manage and set up automatic transfers, visit the guide below:
Steps for Making Scheduled Transfers and Payments in Online Banking

Set up recurring transfers between your Sierra Pacific accounts or loans and your accounts or loans at other institutions.

Before starting this process, you’ll need:

• Access to Sierra Pacific online banking for your account.
• The Account and Routing Numbers of the external account(s) you wish to add.
• Access to online banking for those external accounts.

Please note: As a security measure, there is a mandatory 2-day waiting period between adding and verifying your external account. These external accounts will not be available for transfers until they are verified. 

Requirements for External Account Transfers:

• Your account must be open for 90 days.
• External checking and savings accounts only.
• Debit Card payments are not available through this tool. Use our Express Pay Portal to pay with a debit card for a small fee.
• After your external account is added, don’t forget to log back in and create a scheduled transfer to make loan payments automatically.

Adding the External Account(s):

1. Log in to online banking or the Sierra Pacific mobile app.
2. Select Transfers from the main menu.
3. Select Manage External Accounts.
4. Click the + (plus) button in the lower right.
5. Review the external account notice and ACH transfer disclosure.
6. Enter the external institution’s routing number.
7. Enter the external account number.
8. Add an account description if desired.
9. Select the account type: Savings or Checking.
10. Select Add Account.
11. A “Success!” notification will appear if the numbers are accepted.
12. Wait three days, then log back in to verify your account (more instructions below).
13. Once verified, schedule your transfer or loan payment with the Transfer tool in online banking.

Once your account is added to online banking, Sierra Pacific will make two small transfers to that external account.

Verifying the External Account(s):

1. Find the two deposits from Sierra Pacific to your external account.
2. Note the amounts deposited.
3. Login to your Sierra Pacific online banking.
4. Select Transfer from the main menu in the upper left.
5. Select Manage External Accounts.
6. Select the Pending Account you’re ready to verify.
7. Enter the amounts of the two deposits made to that external account.
8. Click Submit.
9. You should see a “Success!” notification if the verification was accepted.

If you do not see a success notice, double-check the transaction amounts, and verify the order received. (The oldest deposit will be “Amount 1.”)

Need help setting up your transfer? Contact a branch for assistance.

Members can deposit checks with a picture through Mobile Check Deposit in the Sierra Pacific App. But to access this feature, you’ll need to enroll in online banking and enroll in our mobile deposit services.

Enroll in Online Banking

For help enrolling in online banking, see our “Online Login” guide above. If you’re ready to enroll in Sierra Pacific’s online banking, click the button below.

Enroll Now

Enroll in Mobile Deposits

To enroll in our mobile deposit services, review and agree to the Terms of Agreement for Mobile Deposits. Click below to complete this step online. 

Enroll in Mobile Deposit

Once submitted, Sierra .

How to Deposit a Check with Mobile Deposit

Check must be payable to you with a current valid date. Member must be 18 years or older. 

1. Open your Sierra Pacific mobile app and log in to the account you want to use.
2. Select “Remote Deposit” under Services in the main menu.
3. Select “Deposit Check” and tap the camera icon.
4. Endorse your check by signing the back in ink.
5. Below your endorsement write, “Deposit Only at SPFCU Account” followed by your account number.
6. The app will direct you to capture the front and back of your check.
7. It helps to have the check on a flat, dark surface in a well-lit area.
8. Select the Sierra Pacific account you want to deposit the check into and confirm.
9. Write "Mobile Deposit" on the top of your check and keep it somewhere safe for 60 days.

When will My Mobile Check Deposit Be Available?

Checks submitted before 12 PM should be available by 6 PM the same day. Items submitted after this deadline will be available by 6 PM the following day.

Mobile Check Deposit Limits

There is a $1,000 weekly limit to mobile deposits per account. 

Who can Enroll in Mobile Check Deposit?

Members must be 18 years or older and have been a Sierra Pacific member for at least 180 days. This limit helps us prevent common types of account fraud. 

If you're having trouble logging into online or mobile banking, you may need to reset your password or check your username. 

Click Here to Enroll in Online Banking

Forgotten Password

Click the link below to reset your online banking password. You will need to know your username to use our password reset tool.

Forgot My Password

Forgotten Username

For a forgotten username, please contact us directly for online banking assistance.

Branch Hours

Sierra Pacific's hours of operation vary by branch. To find your branch’s hours, visit our Locations page.

24/7 Support Center

For assistance outside regular business hours, contact our 24/7 Support Center. 

• Call 888.514.1343

ATMs & Shared Branches

Sierra partners with Co-Op to provide members with access to over 5,000 branches and 30,000 ATMs nationwide. Members can access their Sierra Pacific accounts to make deposits, payments, and withdrawals at a shared branch. Check the Shared Branch Locator to find a location near you, and to check hours. 

Sierra Pacific Credit Union is part of the Co-Op Network of Credit Unions, which means our members can access their accounts and manage their money at any of 5,000+ participating credit union branches, nationwide.

Visit our Locations page for more information about Shared Branches, or visit the official Co-Op Shared Branch Locator page to find one near you.

Reporting suspected fraud, even and especially after it happens to you, is essential in helping us safeguard your information and accounts. Contact your team as soon as you suspect foul play, and we'll walk you through the next steps. 

If you suspect that your Sierra Pacific cards, accounts, logins, or information have been compromised, contact us immediately:

• During Regular Business Hours: Contact us directly

• Outside Regular Business Hours: 24/7 Support Center – 888.514.1343

If your debit or credit card has been compromised, follow the instructions in our "Lost or Stolen Card" section.

 

Activate your new or replacement Sierra Pacific Debit or Credit Card, so you can make purchases and cover expenses with ease and security.

Follow These Steps to Activate Your Card

1. Call 800.466.0040 within 90 days of the card issue date from the phone number we have on file for your Sierra Pacific account.
2. Have the last 4 digits of your social security number ready for authentication. Enter them when prompted.

Calling from a different phone number?

1. Follow prompts to enter the last 4 of your social security number.
2. You will be transferred to a call center where you will be asked to provide your home phone number verbally.

Your PIN

• A PIN mailer will arrive two to three days after your card.
• The mailer includes a pre-assigned PIN associated with your card and a reference number.
• This reference number is necessary for future PIN changes, so be sure to hold onto it.

Changing Your PIN

• To change your PIN, you’ll need the reference number from your original PIN mailer.
• Call 800.503.9249 and follow prompts to change your PIN.
• Can’t find your reference number or original PIN Mailer? Call to have a new one issued.

To request a new card for any reason – or get help with your current card – contact your branch.

If your card is lost, stolen, or compromised, please review our “Lost or Stolen Card” and “Remote Card Control” guides below!

Use Remote Card Control while you look for your missing cards. Pause, restart, and permanently disable your cards with the click of a button. If your card was lost or stolen, start here!

Located in online and mobile banking,

What to Do if Your Sierra Pacific Card is Lost or Stolen

Turn Your Card off with Remote Card Control

If you are enrolled in Remote Card Control, you can disable your card immediately through online or mobile banking. Prevent fraud and reduce the risk to your accounts by taking immediate action.

See "Remote Card Control" below for details on this program and guidance on which option to choose. 

 

Report the Loss or Theft Sierra Pacific CU

If you believe your Sierra Pacific card, account, login, or information has been compromised, contact us immediately:

• During Regular Business Hours: Contact your branch
• Outside Regular Business Hours: 24/7 Support Center – 888.514.1343

If you used Remote Card Control to mark your card as lost or stolen, tell your representative so they can order you a new card.

Keep an Eye on Your Transactions

It's a good idea to watch your account transactions for a while after a loss or theft for any unusual activity. You may want to set up alerts to receive an email, text, or push notification whenever a transaction is made on your account. 

Remote Card Control gives you the power to temporarily disable, reenable, or permanently close any of your active debit or credit cards in the event of misplacement, loss, or theft.

How to Access Remote Card Control 

To access and use Remote Card Control, follow these steps.

• Enroll in Online Banking if you haven’t already.
• Log in to Sierra Pacific’s Online Banking or open your Sierra Pacific app.
• Select Remote Card Control from the menu in the upper left corner.
• Choose the card you would like to disable, renable, or report lost or stolen.
  • Only active debit and credit cards will appear as options.
• Select the desired status for that card. There are four options to choose from:
  • Disable – Temporarily stop all charges from being applied to your card.
  • Active – Switch a disabled card back to active status to resume use.
  • Lost* – Select this option if your card is missing but no fraud or suspicious charges have appeared on your account. This permanently disables the card, and any future transactions will be denied and the card captured. You will need to contact the credit union to order a replacement card.
  • Stolen* – Select this option if your card has been physically stolen or compromised as evident by fraudulent or unauthorized transactions. This permanently disables the card, and any future transactions will be denied and the card captured. You will need to contact the credit union to order a replacement card.

*Selecting this option does not automatically order a replacement card. Please contact your branch to order a new card immediately.

How to Send a Wire Transfer

To send a wire transfer domestically or internationally, you’ll need to complete the Wire Out Transfer Agreement online or in a branch.

You’ll need to have the following information prepared to send a wire:

Your information

• Name
• Phone number
• Current address
• Account number of the Sierra Pacific CU account you want to debit

• Amount of your wire transfer

Beneficiary Financial Institution Information

• Institution Name
• Routing Number or ABA number
• Physical Address (if possible)

Beneficiary Information

• Name of the beneficiary (person or company) receiving the wire
• Account number to deposit the funds
• Physical and mailing address

 

How to Receive a Wire Transfer

Provide all of the following information to your sending institution to receive an incoming domestic wire transfer to your Sierra Pacific CU account:

Wire Funds To:

Catalyst Corp FCU

6801 Parkwood Blvd

Plano, TX 75024

ABA Routing #: 3119-90511

 

Further Credit To:

Sierra Pacific Federal Credit Union

Account #321280237

 

Final Credit To:

Member Name (As shown on your Sierra Pacific CU account)

Your Full Sierra Pacific CU Account Number

 

Note on Receiving International Wires

Sierra Pacific CU cannot receive international wire transfers. Any international wires being received must be sent through a U.S. intermediary institution.

 

Wire Transfer Fees

See our Schedule of Fees for up-to-date information on applicable fees.

 

Wire Transfer Cutoff Time

The cutoff time for same-day wire transfers is 1:00 PM PST.