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Help yourself. And avoid the wait!

First things first: if you haven't already, please register for online banking and download the STCU mobile app.

While not required for every option below, these powerful tools help you to manage your finances on your own terms, when it's most convenient for you!

Register for online banking Download the mobile app

Need help? Start by making sure your email is up to date, then visit our online banking support and mobile app support pages.

Where's my relief payment?

On December 29, 2020, the IRS announced that it will be sending a second round of relief payments — also referred to as stimulus checks — to millions of Americans that received them earlier this year.

While the IRS has listed January 4, 2021, as the official payment date, taxpayers began seeing "pending" direct deposits in their accounts on December 30. That means these funds will not be available until Monday, January 4. We’ll update this page if these dates change, or if we receive new information.

Depending on your situation, it can take weeks for some payments to arrive. STCU has no control over the timing of these automatic payments, but we can tell you if a direct deposit is about to be made to your account. Here's how:

How to check on pending deposits.

To check on pending deposits to your STCU accounts, use the Self-service app in online banking. It's faster than calling the credit union!

1. Log into your STCU online banking account
2. Go to "Self-service."
3. Choose "View pending direct deposits."
Check to see if you have any pending deposits. If not today, then check again tomorrow.

STCU does not put a hold on deposit of government checks, so as soon as your funds are deposited by the IRS, you can access the funds.

If you are a former Umpqua Bank customer, we've got you covered! STCU and Umpqua have a process in place to move direct deposits into your new STCU account within one business day. You do not need to take any additional steps to make that happen.

Finally, please note that STCU does NOT cash stimulus checks from nonmembers. Stimulus checks are not exempt, meaning they are subject to levied garnishments, unpaid child support, and so on. Those not eligible for stimulus checks, according to IRS, may include anyone claimed as a dependent on another's taxes such as college students, disabled adults, and senior citizens supported by their children. Consult your tax advisor.

Learn more about economic relief payments from the IRS.

Common self-service options.

What do you need? Options.
Check account balances.
Activate credit or debit card.
Transfer money or set up automatic transfers.
Make a loan payment.
Apply for a loan or check the status of an application.
Check the status of a direct deposit. Check in online banking
View your transaction history.
Skip an eligible loan payment. Check eligibilty in online banking
Transfer a balance to your STCU credit card. Balance transfer in online banking
Dispute a transaction Fill out our transaction dispute form
Open a new account
Add a joint or beneficiary Add in online banking
Notify STCU of travel. Tell us in online banking or the mobile app
Send us a secure message for a non-urgent request. Message us in online banking or the mobile app

Welcome, Umpqua members.

If you’re not finding what you need on this page, visit our Umpqua Bank page for more information about the transfer of your accounts to STCU.

We're here to help.

We understand that some things require an extra hand. Our friendly staff is here to help: