Mobile Banking App Banking in Your Pocket
Deposit checks, check balances, pay bills, lock your card, and find ATMs — all from the Servus Credit Union mobile app for iOS and Android. Secure, fast, and free.
Deposit checks, check balances, pay bills, lock your card, and find ATMs — all from the Servus Credit Union mobile app for iOS and Android. Secure, fast, and free.
The Servus Credit Union mobile app puts the full power of your accounts onto the device already in your hand. Available for free on iOS and Android, the app mirrors the functionality of desktop online banking while adding mobile-specific features like check deposit, fingerprint login, push notifications, and an ATM locator that uses your phone's GPS to find the nearest surcharge-free machine. Everything syncs in real time with your online banking profile — a check you deposit on your phone appears in your transaction history on the desktop platform within seconds of submission.
The mobile deposit feature turns your phone's camera into a check scanner. Endorse the check, open the deposit screen, select the destination account, enter the amount, and photograph the front and back of the check. The app provides alignment guides and automatically captures the image when the check is properly framed and in focus — no shutter button necessary. Deposits submitted before 5:00 PM Eastern on a business day are generally credited the same day, with funds available within one to two business days depending on the check amount and your account history. The deposit limit for new accounts starts at $2,500 per day and $5,000 per rolling 30-day period; these limits increase after 90 days of account activity. Each deposited check generates a confirmation number, and the images are stored in your transaction history so you can retrieve them if a payee disputes whether a check was received. The credit union recommends retaining paper checks for 14 days after mobile deposit, then shredding them.
The Servus CU app supports biometric authentication on both platforms. On iOS, Face ID and Touch ID are available. On Android, fingerprint recognition is supported on devices with a fingerprint sensor. Biometric login eliminates the need to type your password every time you open the app — a single tap authenticates you and loads the dashboard. The biometric data never leaves your device; the app communicates with the phone's secure enclave, which simply tells the app whether the biometric match succeeded. If biometric authentication fails — a cut finger that alters your print, face recognition in poor lighting — you can fall back to your password without locking your account. You can also disable biometric login at any time from the app settings. For security-conscious members, biometric login combined with transaction alerts provides a strong balance of convenience and protection: you get in quickly and you receive instant notification of every transaction, so unauthorized activity cannot go unnoticed.
Push notifications from the Servus app deliver real-time alerts directly to your phone's lock screen. You can configure alerts for every transaction type — debit card purchases, ATM withdrawals, ACH credits and debits, wire transfers, bill payments — and set dollar thresholds so only transactions above an amount you specify trigger a notification. Balance alerts tell you when an account drops below or rises above a threshold. Security alerts notify you of logins from new devices, password changes, and contact information updates. Unlike email or SMS, push notifications arrive within seconds and cannot be intercepted through SIM-swap attacks or email account compromises. Card controls in the app let you lock and unlock your debit card instantly without calling member support. If you misplace your card, you can lock it, search for it, and unlock it when found — or leave it locked and request a replacement. You can also set transaction-type restrictions (block international purchases, block online transactions, allow ATM only), spending limits, and merchant category blocks. These controls take effect immediately.
The app's ATM locator uses your phone's GPS to display nearby ATMs on an interactive map. Servus Credit Union participates in the CO-OP Shared Branch network, giving members access to over 30,000 surcharge-free ATMs nationwide. The locator distinguishes between Servus-owned ATMs, CO-OP network ATMs (surcharge-free), and other ATMs (surcharge may apply). You can filter the map to show only surcharge-free locations and only ATMs that accept deposits. Tapping a location marker shows the address, distance, and available services — cash withdrawal, deposit-taking, drive-up available. The app can provide turn-by-turn directions through your phone's default maps application. The branch finder lists Servus CU branch locations with hours, phone numbers, and services available at each branch.
| Feature | iOS | Android | Notes |
|---|---|---|---|
| Account Dashboard | Yes | Yes | Real-time balances across all accounts |
| Mobile Check Deposit | Yes | Yes | Auto-capture, alignment guides, same-day credit |
| Biometric Login | Face ID / Touch ID | Fingerprint | Device-dependent; fallback password always available |
| Push Notifications | Yes | Yes | Transaction, balance, and security alerts |
| Card Controls | Yes | Yes | Lock/unlock, spending limits, merchant restrictions |
| Funds Transfer | Yes | Yes | Internal instant; external ACH 1–3 days |
| Bill Pay | Yes | Yes | One-time and recurring payments |
| ATM Locator | Yes | Yes | GPS-based map with CO-OP network filter |
| E-Statements | Yes | Yes | View and download PDF statements |
| Wire Transfers | Yes | Yes | Domestic and international wire initiation |
Features require compatible device and OS version. Biometric availability depends on device hardware. See ncua.gov for deposit insurance details.
Yes. The Servus Credit Union mobile banking app is available as a free download from the Apple App Store for iOS devices running iOS 14 or later, and from the Google Play Store for Android devices running Android 9 or later. Both versions receive regular updates with feature parity — when a new feature launches, it ships on both platforms simultaneously. The app is optimized for phone-sized screens but works on tablets as well, scaling to the larger display. Download links are available on the Servus CU website, and you can also search "Servus Credit Union" in your device's app store. The app uses the same login credentials as online banking, so if you are already enrolled in online banking, you can download the app and log in immediately without a separate enrollment process. There is no fee for the app, and it does not display third-party advertisements.
Mobile check deposit uses your phone's camera to capture images of a paper check for electronic deposit. Open the Servus app, navigate to the deposit screen, select the account where you want the funds deposited, and enter the check amount. The app activates your camera with alignment guides — position the check on a dark, flat surface in good lighting and the app captures the front image automatically when it detects proper framing. Repeat for the back of the check, where you must have written "For mobile deposit only at Servus CU" and signed your name. Review the images and amount, then submit. New accounts have a daily deposit limit of $2,500 and a 30-day rolling limit of $5,000. These limits increase to $5,000 daily and $20,000 monthly after 90 days of account good standing. Higher limits may be approved on request for members with established deposit history. Deposits submitted before 5:00 PM Eastern on a business day are processed the same day; later submissions process the next business day. The first $225 of each deposit is typically available the next business day, with the remainder available within two business days.
The Servus CU app supports Face ID and Touch ID on iOS and fingerprint recognition on Android. Biometric authentication is secure because the biometric data — your facial map or fingerprint pattern — is stored exclusively in the secure hardware enclave of your device and never transmitted to Servus Credit Union or stored on their servers. When you use biometric login, your device verifies the biometric locally and sends a cryptographic token to the app confirming successful authentication. The app then proceeds with login. If someone gains access to your phone, they cannot circumvent biometric authentication without your face or fingerprint; after a configurable number of failed attempts, the app requires your password. You can disable biometric login at any time from the app's settings menu. For additional security, biometric login can be combined with transaction push alerts so you receive real-time notification of every account activity.
The card controls feature in the Servus Credit Union mobile app gives you granular control over your debit card. The primary control is the lock/unlock toggle: if you misplace your card, one tap locks it and prevents all purchases and ATM withdrawals. When you find it, tap to unlock and normal functionality resumes instantly. Beyond the master lock, you can set transaction-type restrictions — block international purchases (particularly useful when you are not traveling), block online or phone-order transactions, restrict ATM withdrawals to a daily limit, or block specific merchant categories like gambling or adult entertainment. Location-based controls let you restrict card usage to transactions where the card is physically present (chip or contactless) and within a geographic radius you define. Spending limits can be set per transaction, per day, or per month. When a transaction is declined due to a control you set, you receive a push notification explaining the reason. All controls take effect immediately, and changes you make in the app sync to the card processor in real time.
The ATM locator in the Servus mobile banking app uses your device's GPS to show nearby ATMs on an interactive map. By default, the locator displays all ATMs, but you can apply filters to show only surcharge-free locations within the CO-OP Shared Branch network. The filter also lets you limit results to ATMs that accept deposits and those with drive-up access. Tapping a location marker opens a detail card with the address, distance from your current location, available services, and hours of operation for ATMs located at branch locations. You can tap "Directions" to open your phone's default navigation app with the destination pre-loaded. The locator covers the full CO-OP network of over 30,000 ATMs across the United States, including locations at other credit union branches, in retail stores like 7-Eleven and Costco, and standalone ATM kiosks. Servus CU also reimburses up to $15 per month in out-of-network ATM surcharges for checking account holders, so even if you use a non-network machine, the fee may be refunded. Check your specific account terms for reimbursement eligibility and limits. For consumer protection on electronic fund transfers, visit consumerfinance.gov.
Get the Servus Credit Union mobile banking app for iOS or Android and take your accounts everywhere. Deposit checks, pay bills, and manage your money from the palm of your hand.
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