Frequently Asked Questions

Here are some of our most frequently asked questions.

Of course, you are always welcome to call us at 800.562.5515 or use our Contact Us form to get in touch. We are ready to help you any way we can.

How can I become a member?

There are many easy ways to qualify for Salal membership. Click here to view the requirements.

Where are your ATMs located?

We have ATMs located at most of our branches and several other locations. Salal also participates in the CO-OP and CULIANCE Networks of ATMs, giving you access to nearly 40,000+ surcharge-free ATMs nationwide.

Find a Salal ATM or surcharge-free ATM on our Locations & Hours page.

What fees do I have to pay to use a Salal debit card?

There are no annual fees associated with a Salal debit card. It is free to use and all transactions using a Salal ATM are free of charge, although there is a 1% Foreign ATM or debit transaction fee. A surcharge may be assessed at machines owned by other financial institutions, but our participation in the CO-OP and CULIANCE Networks gives you access to more than 40,000 surcharge-free ATMs nationwide.

What should I do if my PIN is not valid on my newly reissued debit card?

When your debit card is reissued, the PIN should remain the same. If you are having trouble with your PIN, call 866.762.0558 to select a PIN. If outside of the U.S., call 501.588.7531.

Am I liable for any fraudulent charges made on my debit card?

As long as you report that your card has been lost, stolen, or fraudulently used, the most you would be responsible for is $50.00 if your card is used as a PIN-based transaction. If you report the loss or unauthorized use to Salal within 48 hours, or if the transaction in question is signature-based, you will not be held liable for any funds lost. If you suspect that your check card is lost, stolen, or is being used fraudulently please call 800.562.5515 immediately.

How do I get a replacement debit card?

We can issue you a replacement for your lost or stolen debit card right away at any Salal branch. If you are unable to visit a branch, please call us at 206.298.9394 or 800.562.5515.

For after hours or weekend support, within the U.S., call 888.241.2510 and outside the U.S., call 909.941.1398.

How do I verify my mobile device for SMS text messages for Mobile or Online Banking?

To use SMS text message for your login authentication, you will need to have a mobile device that can receive SMS text messages and you will need to verify your device through Mobile or Online Banking.

To verify your device from your Mobile app, follow these steps:

1. Log into the mobile app.
2. Go to More.
3. For iOS devices, select the gear icon in the upper right corner to access Settings. For Android, open the hamburger menu and scroll down and select Settings.
4. Go to Contact.
5. Click on Mobile.
6. Slide the button on for Enable SMS text messages (see screenshot below).
7. Click Send Code Via Text.
8. Select Email or Call to validate you current MFA settings.
9. Enter the code received.
10. Click Confirm Code.

 

Why did I get a letter and/or text message about my vehicle, boat, motorcycle, or RV insurance?

All Salal auto and recreational vehicle loans require:
• Full coverage insurance with a deductible of $1,000 or less.
• Salal Credit Union listed as lien holder with your insurance company.

If there is ever a lapse in your required insurance or if your insurance info is incomplete, Salal’s designated partner, MyInsuranceInfo.com, may send you communications via text message or letter notifying you that you need to take action. You are able to opt out of MyInsuranceInfo.com‘s text messaging by replying “STOP” if you were to ever receive a text.

If you have further questions, send us a secure message within Salal Mobile or Online Banking or give us a call at 800.562.5515.

Is there something wrong with my computer? I can't access Online Banking or Bill Pay.

Refer to the tips at the bottom of our Online Banking page, or call our Virtual Branch at 800.562.5515 for assistance.

Can I reset my Online Banking password?

For Desktop or Laptop:

• To reset your password, find the “Online Banking Secure Login box” on the Salal homepage and select the “Forgot Password?” link.
• Read the “Password Self-Reset Disclosure” and Click the “I Agree” box.
• Click the “Continue” button.
• Complete all the fields on the “Confirm Your Identity” page and click the “Continue” button.
• Select your preferred method to receive your temporary password and click the “Continue” button.
• Type in your Username again and click the “Log In” button.
• Retrieve your temporary password via the method you chose and type it into the “Password” box and click the “Log In” button.
• Following the “Password Change” directions, type in your new password in the “New Password” box.
• Retype your new password in the “Confirm Password” box and click the “Continue” button.
• Your password has now been reset. Use this new password for future logins.

For Mobile App:

• To reset your password, select the “Forgot Password?” link below the login box on the right side of your screen.
• Read the “Password Self-Reset Disclosure” and tap “Agree.”
• Complete all the fields on the “Confirm Your Identity” page and tap the “Continue” button.
• Select your preferred method to receive your temporary password and tap the “Continue” button.
• Type in your Username again and tap the “Log In” button.
• Retrieve your temporary password via the method you chose and type it into the “Password” box and tap the “Log In” button.
• Following the “Password Change” directions, type in your new password in the “New Password” box.
• Retype your new password in the “Confirm Password” box and tap the “Continue” button.
• Your password has now been reset. Use this new password for future logins.

You can also get your password reset by calling Virtual Branch at 800.562.5515.

How can I make a Salal loan payment?

You have several options for making your loan payment to Salal Credit Union. Learn more about your payment options.

 

How do I update my mailing address?

Changing your address within Mobile Banking:

1. Log in to your Mobile Banking app.
2. For iOS, select More and then click on the gear icon in the upper right corner. For Android, select the hamburger menu and then Settings.
3. Tap on your address and edit your address as needed.
4. When finished, tap the Save Address button.
5. Before your update is finalized, you must finish the verification process.

Changing your address within Online Banking:

1. Log in to Online Banking from the Salal homepage.
2. From the left-hand menu select the More widget.
3. Select Settings from the extended menu options.
4. Select the Contact tab in the top menu bar.
5. Click the pencil icon to edit your address information.
6. When finished, click Save.
7. Before your update is finalized, you must finish the verification process.

Changing your address in a Salal branch:

You can also visit any Salal branch with your current photo ID.

Changing your address by mail or fax:

Send us a letter including the date of your request, membership number, updated address, phone number, signature, and a photocopy of your current photo ID.

Fax to: 206.298.3495
Mail to: Salal Credit Union, Attn: ADRS, PO BOX 75029, Seattle, WA 98175-0029

Please update your address as soon as possible as a block may be placed on your account if we are unable to contact you.

How long does it take to receive new checks?

You should receive your checks within 10-14 business days from the day your order was placed. If you do not receive your checks more than 14 business days after you placed your order, please call 800.562.5515.

What is Salal's routing number?

325081610

How do I set up Direct Deposit to my Salal account?

Salal can accept direct deposits into your savings, checking, and/or money market accounts. To establish direct deposit, contact your payroll, pension, or other income provider and provide them with our routing number, which is 325081610, and your full 13 digit account number. Some employers may request a Direct Deposit Authorization form.

When will my deposits be available in my accounts?

The first $225 of the combined daily total of deposits will be made available on the day of deposit. Funds deposited at a branch of the Credit Union and payable to you from the U.S. Treasury or Government, or by cashier’s, certified, or teller’s checks, or postal money orders will generally be made available the first business day following the business day of the deposit. For other types of checks deposited funds will be made available the second business day after the day of deposit.

If you make a deposit after posted business hours or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If you make a deposit at a Salal ATM or through Mobile Check Deposit in our mobile app, there is a 2 business day hold on the amount over $225.00.

Deposits made through Shared Branching may be subject to a 2-5 day business hold.

Funds from the following deposits could be available immediately provided they are payable to you: Cash, Cashier’s Checks, U.S. Treasury Checks, Traveler’s Checks, Wire Transfers, State and Local Government Checks, Federal Reserve Bank Checks, Federal Home Loan Bank Checks, Payroll Checks of local or well-known firms. Other deposits may be required to clear the financial institution from where they originated from before they are available to you.

Please be advised that unique circumstances may impact the actual delay you may experience.

 

How do I update my FinHealth Score?

Life changes and so do your finances. Update your Financial Health Network FinHealth Score by retaking the Financial Wellness Survey in Online Banking. You can retake the survey on Desktop or Mobile then log into Online Banking to access the survey directly.

Need more help?

If you have still have unanswered questions, please contact our Virtual Branch at 800.562.5515. You may also use our Contact Us form to request a return phone call or email.