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Frequently Asked Questions

Select a category and see some of our most common questions.

There are many easy ways to qualify for Salal membership. See our membership requirements.
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,, may send you communications via text message or letter notifying you that you need to take action. You are able to opt out of‘s text messaging by replying “STOP”. 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.
We have ATMs located at all of our branches and several other locations. Salal also participates in the CO-OP and CULIANCE Network 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.
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.

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.

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 debit card is lost, stolen, or is being used fraudulently please call 800.562.5515 immediately.

Want to lock your card if it has been lost or stolen? Want to let Salal know that you will be using your card while traveling? Learn more about Card Control.
If your Salal credit or debit card has been lost or stolen, report it immediately by calling 206.298.9394 or 800.562.5515.

We can issue you a replacement for your lost or stolen debit or credit 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; outside the U.S., call 909.941.1398.

To use SMS text message for digital banking 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. Message and data rates may apply.

For instructions, see our Online Banking Multi-Factor Authentication Options tutorial.

If you have never successfully connected to digital banking or Bill Pay, and this is your first time using our Mobile Banking app or Online Banking, follow the instructions in this helpful tutorial video for first-time users. Also see our Setting Up and Using Bill Pay tutorial.

If you’ve followed the steps in the video above and are still unable to log in to Online Banking, it may be the security settings on your browser need to change, or your current web browser is not compatible (we recommend using the most current versions of Edge, Chrome, Safari, or Firefox). Check your browser settings and make sure that cookies are enabled and that your computer is configured to connect to Online Banking.

If you are having trouble logging into your Mobile Banking app, make sure your device is running the most recent operating system and that you have downloaded the most up-to-date version of the Mobile Banking app.

If you continue to have issues, call our Virtual Branch at 800.562.5515 for assistance.

For step-by-step instructions on resetting your digital banking password see our Password Reset tutorial.

If you continue to have issues, call our Virtual Branch at 800.562.5515 for assistance.

The account aggregation feature in digital banking allows you to link your accounts at other financial institutions for the purpose of monitoring your balance and transactions on your accounts at other financial institutions. Learn how to Link External Account (Account Aggregation).

You can also set up transfers from your external accounts at other financial institutions to your Salal account. To learn how, see our Transfer from Account to Account tutorial.

See our full Digital Banking FAQ article for more answers to your Mobile and Online Banking questions.

See our Contact Info Change tutorial for instructions on updating your mailing address in Mobile or Online Banking.

You can also visit any Salal branch with your current photo ID to change your mailing address.

To change 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.

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.

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. See below for more info on finding your full 13-digit account number.

You can find your full account number by logging into digital banking. Then select the account you are looking for and go to the “Details” page to find the full MICR account number.

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- to 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 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. For more information on your ability to withdraw funds, see our Consumer Membership & Account Agreement.

Still have questions?

We’re here to help.

Use our contact form to request a call back and one of our personal financial experts will be in touch to answer your questions. 

For videos and written guides on topics members commonly ask about, visit our Tutorials page. 

You can also visit a branch, or give us a call at 800.562.5515.


BALANCE: A future filled with possibilities.

Our partners at BALANCE are ready to help you build a better financial future with free, trusted guidance and resources for all of life’s milestones.

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Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

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