Member FAQs

Get answers to our most commonly asked questions below. You can also reach us at (425) 888-4004 Monday – Friday, 9 a.m. – 5 p.m. (Pacific Time). 

Sno Falls routing number is 325182360.

Getting Started

How do I become a Sno Falls Member?

Visit join.snofalls.com/#GETTINGSTARTED and click “Start a New Application,” then follow the prompts or resume a previous application.

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Visit us at our Snoqualmie or North Bend branch to become a Sno Falls Member. *Youth and Business Accounts can only be opened at a branch location.

How do I sign up for online banking?

Visit access.snofalls.com/Login and click “Register,” then follow the prompts.

You will need your 5-digit Member Number and the amount of your last deposit (includes any dividends received). Please give us a call if you do not have this information available. (425) 888-4004

How do I download the Sno Falls Credit Union mobile app?

Download the Sno Falls app on the Apple App Store.

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Download the Sno Falls app on the Google App Store.

How can I check my account balance?

Check your account balance using the Sno Falls app:
1. Log into your Sno Falls app.
2. After each login, your Sno Falls app will default to your account page. From your account page, you will have a view of all accounts under your name. Account types include Checking, Savings, Business Account, HELOC, and Line or Credit.

By clicking on an account, you can view transaction history and account details (routing number).

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Check your account balance using online banking:
1. Log into online banking through snofalls.com
2. After each login, Sno Falls online banking will default to your account page. From your account page, you will have a view of all accounts under your name. Account types include Checking, Savings, Business Account, HELOC, and Line or Credit.

Where can I find my Sno Falls Credit Union account number?

1. Log into online banking through snofalls.com

2. On the Overview page, click on the name of the share that you would like the full account number for. This will expand the account information.
3. Next, click on the “About this account” button in the bottom right to view your account number.

What is the fee schedule at Sno Falls Credit Union?

View our Fee Schedule.

Transfer & Deposit Funds

How can I transfer money between my Sno Falls Credit Union accounts?

Money can be instantly transferred between your Sno Falls Credit Union accounts. Account types include Checking, Savings, Business Account, HELOC, and Line or Credit.

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Transfer funds using the Sno Falls app:
1. Log into your Sno Falls app.
2. Click on the 3 bars in the upper left-hand corner, scroll down and click “Transfer Money.”
4. Select the account you want to transfer from and the account you want to transfer to.
5. Enter the amount you would like to transfer.
6. Select whether you would like the transfer to occur now or at a scheduled time.
7. Add a memo if desired. (optional)
8. Click “Submit.”
9. Click “Confirm,” and you’re done!

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Transfer funds using online banking:
1. Log into online banking through snofalls.com
2. Click “Transfers & Bill Pay”, then “Make A Transfer.”
4. Select the account you would like to transfer from and the account you would like to transfer to.
5. Enter the amount you would like to transfer.
6. Select whether you would like the transfer to occur now or at a scheduled time.
7. Add a memo if desired. (optional)
8. Click “Transfer Now.”
9. Click “Confirm transfer,” and you’re done!

Can I send money to a trusted friend or family member?

To transfer or receive money externally using only a trusted phone number or email address, use Zelle. The Zelle daily limit is $500.

Can I link an external bank account to Sno Falls online banking?

You can link your other accounts at another Financial Institution through Online Access. *These accounts must be able to accept deposits and withdrawals.

1. Log into online banking through snofalls.com
2. Click “Transfers & Bill Pay”, then “External Transfers.”

3. Select “Add new payee”. Enter your account information, then select “Link account.”

4. We’ll make two small deposits into this external account to confirm that it is yours. Once you see these deposits go through (usually within 48 hours), return to “Transfers & Payments”, then “External Transfers” to confirm the two amounts that were deposited.
5. Once confirmed, this external account can be used to transfer funds between accounts.

How can I make a mobile check deposit?

Make a mobile check deposit using the Sno Falls app:
1. Sign the back of the check with a pen.
2. Log into your Sno Falls app.
3. Click on the 3 bars in the upper left-hand corner, scroll down and click “Make a Deposit.”
4. Select the account that you would like the check to be deposited into.
5. Enter the amount you would like to deposit. ($10,000 daily limit, $30,000 monthly limit)
6. Add a memo if desired.
7. Click on the box marked “Check Front” and using your mobile phone, take a picture of the front of the check.
8. Click on the box marked “Check Back” and using your mobile phone, take a picture of the back of the check.
9. Click “Submit,” and you’re done!

Here you may also check your mobile check deposit history.

Get In Touch

How do I contact Sno Falls?

Call us Monday – Friday from 9 a.m. – 5 p.m. PST at (425) 888-4004.

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For lost or stolen cards, call (800) 243-7860 during business hours or (888) 241-2510 after hours.

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We’re available by email at info@snofalls.com or loans@snofalls.com.

Loans & Bill Pay

How do I apply for a loan?

Whether you’re new to Sno Falls or already a Member, you may apply for a loan in our Loan Application Center.

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Visit us at our Lending Center to apply for a loan.

How can I make a loan or credit card payment to Sno Falls Credit Union?

Make a payment on any of your Sno Falls Credit Union loans or credit cards using our app:

With the Sno Falls app, you can easily make a payment to any of your Sno Falls Credit Union loans or credit cards. You must be enrolled in Sno Falls MessagePay to make a loan or credit card payment via our app.

For more information, visit our Sno Falls MessagePay webpage.

To make a Sno Falls loan or credit card payment via the Sno Falls app:
1. Log into your Sno Falls app.
2. Click on the 3 bars in the upper left-hand corner, scroll down and click “Make a Payment.”
3. Enter your Sno Falls account number and DOB. *Use the primary info. on the loan only.
4. Enter your 4-digit PIN and click “Find Account.”
5. Ensure your payment amount and payment method are correct. Your minimum payment will default as the payment amount and the default payment method will be entered based on preferences made during MessagePay setup.
6. Click “Make Payment Now” and you’re done!

From this screen you can view your payment history by clicking “History” in the top navigation bar.

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Make a payment on any of your Sno Falls Credit Union loans or credit cards using online banking:

With online banking, you can easily make a payment to any of your Sno Falls Credit Union loans or credit cards. You must be enrolled in Sno Falls MessagePay to make a loan or credit card payment via our app.

For more information, visit our Sno Falls MessagePay webpage.

1. Log into online banking through snofalls.com
2. Click “Transfer & Bill Pay.”
3. Click “Make a Payment.”  
4. Enter your Sno Falls account number and DOB.
5. Enter your 4-digit PIN and click “Find Account.”
6. Ensure your payment amount and payment method are correct. Your minimum payment will default as the payment amount and the default payment method will be entered based on preferences made during MessagePay setup.
7. Click “Make Payment Now” and you’re done!

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To set up automatic loan payments from your account at another financial institution, please complete our ACH Debit Authorization Form.

How do I set up automatic bill pay?

Online bill pay helps you organize bills and keep track of due dates. It also makes it easier to see where your money is going, so you can make sure you have enough funds available to cover each payment.

To use Sno Falls Credit Union
Bill Pay: 
You must register for Bill Pay service through Online Banking before using mobile Bill Pay. You must also have a checking account to utilize Bill Pay.

Setting up Bill Pay through online banking:
1. Login into online banking through snofalls.com
2. Click on “Transfer & Bill Pay” in the left-hand menu, scroll down, and click “Bill Pay.”
3. Choose which member account you would like to use for Bill Pay.
4. Read and accept the terms and conditions. You will receive an email after this step notifying you that your funding account has been approved for Bill Pay.
5. Add your first biller, e.g., Pudget Sound Energy, Verizon, or The Seattle Times. If you don’t see your biller in the “Popular Biller in Your Area” section, you may manually enter the person or business information. *New billers/payees will need to set up Online Access before having the capability to initiate payments.
6. Nickname your biller, add your biller account number and category (Add/Modify Category, None, Auto, Credit Card, Household, Miscellaneous, or Utilities).
7. Set up auto-pay or add a reminder for your biller, if desired.
8. You will receive an email notifying you that your funding account has been approved.

To setup auto-pay for a biller: (via online banking)
1. Login into online banking through snofalls.com
2. Click on “Transfer & Bill Pay” in the left-hand menu, scroll down, and click “Bill Pay.”
3. Click on the desired biller.
4. Click on “Set up auto-pay.”
5. Select the Sno Falls account the payment will be completed from.
6. Enter the amount to be paid.
7. Select the bill frequency.
8. Enter your bill start date.
9. Choose whether you’d like to continue payment options until modified, until a certain date, or until a certain payment amount.
10. Save auto-pay options.

To view billers:
1. Log into your Sno Falls app.
2. Click on the 3 bars in the upper left-hand corner, scroll down and click “Bill Pay.”
3. Click on “Payees” in the top navigation bar.

or (via online banking)

1. Login into online banking through snofalls.com
2. Click on “Transfer & Bill Pay” in the left-hand menu, scroll down, and click “Bill Pay.”

To view your Bill Pay history:
1. Log into your Sno Falls app.
2. Click on the 3 bars in the upper left-hand corner, scroll down and click “Bill Pay.”
3. Click on “History” in the top navigation bar.

or (via online banking)

1. Login into online banking through snofalls.com
2. Click on “Transfer & Bill Pay” in the left-hand menu, scroll down, and click “Bill Pay.”
3. Click on the desired biller.
4. Click “View payment history.”

When logged into Bill Pay through online banking, you may also:
• view reports
• view a balance worksheet
• edit alert preferences
• add or modify biller categories
• edit funding accounts
• contact customer support
• view common FAQs: adding biller, alert preferences, alerts, auto-pay, balance worksheet, bill pay activity, biller details, downloading (data), Ebill basics, expedited payments, funding accounts, list of billers area, notes, payment basics, payment basics – multiple payments, payment categories, payment reminders, privacy and security and reports.

Card Management

If I lose my debit or credit card, can I turn off my card to prevent any fraud from occurring?

Call us during regular business hours at (425) 888-4004 or after hours at (888) 241-2510.

I just received my new card, how do I activate it?

Call the phone number on the card sticker to activate a new card.

I just received my renewal card, will the PIN still be the same?

Yes, for a renewal card the PIN will be the same as current one.

When filing a dispute, will I have to block my card?

How long will it take to get a provisional credit when disputing a charge?

Within 10 days of submitting the dispute.

I’m traveling next month and want to ensure my credit card is available to use on my trip. What do I need to do?

Please call, email, or stop by a branch to inform us of dates of travel. This is recommended for any travel outside of your state of residence.

ATM Usage

What is my daily ATM limit?

Daily limits for ATM withdrawals and POS sale are both set to $1,000.00. Daily limits for transactions ran as Credit or online purchases are set to $2,500.00.

Updating An Account

How can I update my contact information or address for my Sno Falls Credit Union account?

Change your contact information or address using online banking:
1. Log into online banking through snofalls.com
2. Click “Settings.”
3. Click “Contact Information.”
4. Click the arrow or pen next to the information you would like to change, then click “Save.”

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Please view our Change of Address Form.

Business Accounts

How can I update an Authorized Signer on my Sno Falls Credit Union business account?

Follow the steps below to update authorized signers on your Sno Falls business account.

1. Complete our Authorized Signers Update Form.

This form specifies the signers remaining on the account, signers being removed, and signers being added to the account. This form will need to be completed and signed by an existing authorized signer on the business account.

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2. Complete our Business Account Profile Form.
This form will need to be completed by all signers that will be on the account, even if they are existing signers on the account. This form ensures that we have the most current contact information for each signer.
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3. All signers must sign a new Account Card and other supporting account forms.
Sno Falls prefers all signers visit in-branch together to complete the above step. If signers are unable to come in together, Sno Falls can obtain necessary signatures within a week’s timeframe.

4. Provide a copy of the organization’s most recent Meeting Minutes (or equivalent) documenting current officers and account signers being removed/added.
This document should include any signers being removed from the Sno Falls business account and any signers being added. If all existing signers are being removed from the account, then an existing signer will need to present the documentation to initiate the change.