• Click the “I forgot my password” link on the login page of It’s Me 247 Online Banking
• Correctly answer the three security questions that you had set up
• Then, set up a new password to use for online banking

If you can’t remember the answers to your security questions, please call us at 605-923-1405 or toll-free at 888-923-1400. We can reset your questions and password for you, then you will need to log in right away and set up new ones. 

Has your Online Banking password expired?
Please call us at 605-923-1405 or toll-free at 888-923-1400 and we’ll reset your password for you, then you will need to log in right away and set up new ones. 

Would you like to enroll in Online Banking & e-Statements?
To enroll in Online Banking & e-Statements, please complete our Online Banking Enrollment Form.

Online Bill Pay (Easy Pay) is simply a better way

Why do so many people choose online bill pay? Because they know it means more freedom, control, savings and security. Now it’s easy to pay a friend, take care of a utility bill, and keep track of every payment. Enroll today! The first two months are free and then it’s just $4.95 a month. View Demo

Convenience and control in just a few clicks 

• Schedule single or recurring payments in just a few steps, and you’ll never worry about missing a bill or late fees
• Track your payments history at a glance and follow all past, present and future scheduled transactions
• Receive helpful e-Notifications that let you know when payments are due or a bill has been paid
• Use the convenient online bill pay messaging center to keep tabs on account activity or inquire about your online payments

Safety and security with every transaction 

• Protect against check fraud with electronic payments instead of unsecured mail
• Guard against identity theft from lost or stolen checkbooks, bills and statements
• Increase your privacy because only you can access your account information, account numbers and payment history
• Maintain tighter control of your account with real time access to your payments activity

Sign up for online bill pay in 3 easy steps

1. Login to your Online Banking account
2. Use the Bill Payment link to access the enrollment form
3. Complete the enrollment form and you’re all set

Order Checks & Accessories
Order your checks online from Harland Clarke, our preferred provider, at OrderMyChecks.com. Plus shop for accessories to complement your check order with matching covers, address labels and debit card holders.

• Our Routing Number is 291479291
• Check orders will be sent to the mailing address on your account
• Your total will be deducted from your checking account when your order ships

Secure, Fast Ordering
Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your  transactions  and account information are safe and completely confidential. 

First Time Orders
If this is the first time ordering checks for your account, please contact the Credit Union or stop by any branch to complete your order.

It’s Me 247 Online Banking plus E-Statements

Take care of your finances from the comfort of your home for free! 

• View your e-Statements online*
• Review account balances
• Transfer funds and make payments
• Apply for loans
• Get notifications with eAlerts
• Plus all of your transactions post in real time!
  

Enroll for E-Statements and you could Win a Wii™*

You’ll Love E-Statements – an email message lets you know your statement is available much sooner than a mailed copy.

It’s Safe and Convenient - with your confidential password you can access your statements anywhere you have Internet access.

It’s Easy – Simply logon to It’s Me 247 online banking and select “Preferences”.

It’s Environment Friendly – Save trees with electronic statements. Print only if needed.

*One (1) Prize Winner will be selected on or about October 4, 2010 by a random drawing from all qualified entries submitted between August 1 and September 30, 2010. View the contest rules here.

________________________________

Enroll in Online Banking & e-Statements today!

Mobile Web Banking

Take care of your finances on the go with Mobile Web Banking! 

• Check balances
• Transfer funds
• Monitor account status and more!

Need to reactivate your online banking account?

Forgot your online banking password?

Online Services Cancellation Request Form 

Routing Number: 291479291

Online Banking
Take care of your finances from the comfort of your home with It’s Me 247 Online Banking

Telephone Banking
Take care of transactions over the phone with CU*Talk

Online Bill Pay
Save time and money by paying your bills electronically with Easy Pay Online Bill Pay

Mobile Web Banking
Take care of your finances on the go with Mobile Web Banking

Online Check Ordering
Our online ordering tool makes shopping quick and easy when you need to order checks

Online Applications
You can easily complete a Membership Application and a Loan Application right online

ATM Locations
Access your account 24/7 at these ATM locations

Shop online with confidence. Use Verified by Visa. Your Visa card is now equipped with Verified by Visa—it password protects your card for free. To learn more, visit www.visa.com/verified.

Shop online with Verified by Visa today!

• Debit Card changes coming soon. Get details on the opt-in notification.
• Need to reactivate your online banking account?
• Forgot your online banking password?
• Need to order checks?
• Send us a message

Telephone Numbers (Mon. – Fri. 9 am – 5 pm MT)
Main Phone: 605-923-1405
Toll-Free: 888-923-1400
Main Fax: 605-923-3960
Overseas DSN: 675-6303

To Report Lost or Stolen Cards (Mon. – Fri. 9 am – 5 pm MT)
Main Phone: 605-923-1405
Toll-Free: 888-923-1400

To Report Lost or Stolen Cards (After Business Hours)
800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards) 

Routing Number: 291479291 

Mailing Address
Sentinel Federal Credit Union
PO Box 700
Box Elder, SD 57719  

Email Us: Send us a message

Hours & Locations  I  ATMs  I  Shared Branching

Business Basic Checking has the features and benefits targeted to sole proprietor relationships and small businesses (small number of transactions – generally less than 30 checks written and less than 100 deposited items monthly).

• No minimum balance
• Nominal $5 monthly fee
• Free unlimited check writing
• Free first order of duplicate deposit slips
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Online Bill Pay available
• Overdraft Protection available
• Night Depository available

Business Bonus Checking designed for medium to large businesses will help keep your business moving in the right direction.

• $1,500 minimum balance
• No monthly charge (If daily balance falls below $1,500 during the month then $7.50 monthly fee assessed.)
• Dividends are compounded daily and paid monthly on balances of $1,500 and greater
• Free unlimited check writing
• Free first order of duplicate deposit slips
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Free Online Bill Pay
• Overdraft Protection available
• Night Depository available

Non-Profit Checking is used for non-profit accounts where the non-profit has a tax designation of tax exempt by the IRS. There must be a tax number on file to report any dividends.

• No minimum balance
• No monthly charge
• Dividends are compounded daily and paid monthly on balances of $500 and greater
• Free unlimited check writing
• Free personal size checks
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Online Bill Pay available
• Night Depository available

Business Checking Dividend Rates

Need to order checks?

• No minimum balance
• No monthly service charge*
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

*Notice: $5 monthly inactivity charge is assessed after 3 months of inactivity if over 18 years of age and less than $200 balance.

Bonus Checking

• $500 minimum balance to earn dividends
• Dividends earned daily
• $7.50 monthly service charge is assessed if balance falls below the $500 minimum on any day during the month
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

Prime Checking (Exclusively for 55 and wiser!)
This attractive dividend-bearing checking account is available for our Prime Time Club members and offers:

• $1,000 minimum balance to earn dividends
• Dividends are earned daily (compounded and paid monthly)
• No monthly service charge (unless daily balance falls below $1,000 during the month then $7.50 monthly fee assessed)
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available

As a Prime Time Club member you’ll receive these extra perks**

• Free Online Bill Pay
• Free box of standard checks each year
• Free fax and photocopies
• Free money orders and cashiers checks
• Free domestic wire transfers
• Free Call Center services available Monday – Friday, 9 a.m. to 5 p.m. MT
• Discount 1/2% on loan rates (includes auto, campers, motorcycles, ATV and boats)

Qualifications to join Sentinel Federal’s Prime Time Club:
This is a FREE CLUB for Sentinel Federal Credit Union members who are 55 years old and wiser! As a Prime Time Club member you are eligible for special services and discounts with Sentinel Federal Credit Union and local area merchants.

You are eligible for a Prime Time Club account if you:

• have joined Sentinel Federal,
• are 55 years of age or over, and
• have a Prime Checking account

Plus, you must either:

• have a $5,000 balance in a Prime Saver account, or
• maintain a recurring monthly Direct Deposit in a Prime Checking account or regular Savings account

**Benefits are subject to change without notice. Some limitations may apply. A joint checking account relationship held by either you or your spouse qualifies both of you for a Prime Time Club membership.

Rebuilder Checking
If you’ve been declined for a checking account, then call us today at 605-923-1405 or toll free at 888-923-1405 and ask about our Rebuilder Checking.

Need to order checks?

Business Basic Savings designed for small businesses and non-profit groups.

• No minimum balance
• Dividends compounded daily and paid monthly on balances of $25 and greater
• No monthly charge
• ATM access available
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag

Business Bonus Savings is targeted for medium to large business relationships and corporations.

• $3,500 minimum balance
• Dividends compounded daily and paid monthly on balances of $3,500 and greater
• No monthly charge
• ATM access available
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag

Business Share Certificates enables you choose the interest rate and term that is best for you. Plus …

• Terms range from 3 to 48 months
• Dividends are compounded daily and paid quarterly
• A safe investment with a higher yield than a regular savings account
• Higher investment amounts receive a higher dividend rate
• Invest as little as $500
• Early withdrawal penalties may apply

 Business Savings Dividend Rates

 *APY is Annual Percentage Yield

Fed up with your bank’s high interest rate credit card? Tired of getting nickel-ed and dim-ed with fees on your checking account? Then it’s time to move your banking to Sentinel Federal Credit Union. From free checking and online banking to competitive interest rates on the loans you may need you can trust Sentinel Federal Credit Union to put you first. Whether you’re looking to buy a new car, or if it’s time to own your own home, or you need to save for the future, we’ll spend time with you to set up your financial plan to help you reach your goal. Remember we’re here for you every step of the way.

Contact us today or stop by any branch to open an account! Not a member? Apply online now!

Checking Accounts

• Basic Checking
• Bonus Checking
• Prime Checking (Exclusively for 55 and wiser!)
• Rebuilder Checking
   

Savings Accounts & Investments

• Primary Share Account
• Secondary Share Account
• Christmas Saver
• Dream Saver
• Prime Saver
• Super Saver Money Market Account
• IRA Share Account
• Share Certificates & IRA Certificates
• Freedom IRA Certificate
• Traditional & Roth IRA

Online Banking with E-Statements
If you haven’t tried It’s Me 247 Online Banking yet, now’s the perfect time. With It’s Me 247 Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you, for free! Get Details

Phone Banking
Sentinel Federal Credit Union makes it possible for you to have direct contact to your credit union accounts with just one phone call. CU*TALK is our new 24-hour phone banking system, which makes taking care of your credit union business faster, easier and safer! You’ll have around-the-clock access to your accounts which makes this service perfect for today’s busy lifestyles. Plus it’s free! Get Details

Need to order checks?

Sentinel Federal Credit Union’s ABA Routing Number: 291479291

Your financial goal is our priority and we can help you reach those goals. Looking to buy a new car? Get pre-approved so you can go shopping with confidence for your new wheels. Time to own your own home? Then stop by and talk to us first. We’ll find the mortgage that’s right for your budget. Times have been tough. But now there is opportunity to get back on track. Remember we’re here for you every step of the way. Contact us today or apply online.

• New and Used Vehicle Loans
• Recreational Vehicle Loans
• First Mortgage Loans
• Home Equity & Line of Credit Loans
• Residential Lot Loans
• Personal Loans
• Line of Credit/Overdraft Protection
• Shared Secured Loans
• Credit Cards

Credit Insurance
Low cost insurance protection for you and your family!

• Credit life and credit disability insurance is available at a low cost.
• Credit life insurance premiums are calculated on the outstanding loan balance and decline as the loan balance drops.
• Provides peace of mind and financial security for your family in the event of disability or death.
• Ask your loan officer for more information when you apply.

Credit When Credit is Due
A financial course that teaches you how to manage your money.

• We offer a ½% discount on your next loan after completing this course
• More information on “Credit When Credit is Due” is available at http://www.creditwhencreditisdue.com/

MEMBERS® Auto and Homeowners Program
You trust Sentinel Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Get a Quote Now

MyLoanInsurance.com
If you received a notice in the mail requesting that you provide evidence of current insurance (as required by your loan agreement) please visit MyLoanInsurance.com to submit your insurance information electronically to us. To learn more about why this insurance is required, what to do if you don’t have insurance or to learn answers to other questions, please visit the FAQ page.

We’ve all been hearing how low mortgage rates are but do you know what that means for you? Now’s the perfect time to buy or refinance your home. At Sentinel Federal Credit Union we offer competitive rates and lower fees for a variety of mortgage loans including FHA, VA and South Dakota Housing Loans.

Contact Pat Wahl, our Mortgage Loan Officer, and learn about the flexible programs we have and which one could be best for your individual needs. So before you finalize those plans, or start to search the Black Hills to look at one of the many homes on the market, visit with Pat. He’ll get you pre-approved and find you the right mortgage. Contact Pat at 605–923–6772 or toll free at 888–923–1400 or send Pat a message.

Enroll for E-Statements and you could Win a Wii™*

You’ll Love E-Statements – an email message lets you know your statement is available much sooner than a mailed copy.

It’s Safe and Convenient - with your confidential password you can access your statements anywhere you have Internet access.

It’s Easy- Simply logon to It’s Me 247 online banking and select “Preferences”.

It’s Environment Friendly – Save trees with electronic statements. Print only if needed.

Enroll in Online Banking & e-Statements today!

 _____________________________ 

Make your life easier … SKIP your next payment!

Need extra cash for a family vacation, back to school shopping or an unexpected car repair? Take advantage of our Skip-A-Payment Program, which allows you to skip one month’s payment on your qualifying credit union loans. Learn More

_____________________________ 

Find us on Facebook

We’re connecting with our members on Facebook. Check out Sentinel Federal’s page on Facebook and become a fan!

CU*TALK is our new 24-hour phone banking system, which makes taking care of your credit union business faster, easier and safer! You’ll have around-the-clock access to your accounts which makes this service perfect for today’s busy lifestyles. Plus it’s free!

All you need to make contact with CU*TALK is a touch-tone phone, your account number, and your Personal Identification Number (PIN). Now you are all set to take care of business!

CU*TALK Guides You Through Each Step!

• Using your touch-tone phone, call toll free: 866-923-1448
• You will be asked to enter your account number followed by the # sign.
• Next, you will be prompted to enter your PIN followed by the # sign.

Main Menu Options

(1) Account inquiries, including balances and a list of recent transactions
(2) Perform money transactions, including transfers
(3) Hear current credit union rates or calculate estimated loan payments
(4) Change your PIN
(5) Change to a different account number
(6) Other credit union services, including locations and hours
(8) Repeat this menu
(9) End the call
(0) Hear the Tutorial
(*) Press * to return to the main menu at any time

Helpful Tips

• Be sure to press the # sign when asked.
• Keep your PIN confidential. This protects your privacy and keeps others from gaining access to your accounts.
• When entering dollar amounts, decimals are not required. For example, you would enter $25.00 as 2500
• CU*TALK may occasionally be unavailable for short periods so that we may perform maintenance. If you are unable to complete a transaction for this reason, try calling back later.
• Be extra careful when entering your PIN. Entering a PIN incorrectly three times will disable access to that account through CU*TALK. If this happens, contact the credit union directly for reactivation.

Cross-Member Transfer Request
Please fill out the Cross-Member Transfer Request Form if you want to be able to transfer funds between your accounts using Online Banking and/or Phone Banking.

Loan Rates effective as of August 2, 2010
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

Loan payment example: At 4.5% the annual percentage rate (APR) for a 60 month term with 0% down and 30 days to 1st payment, monthly payments are calculated at $18.66 per $1,000 borrowed.

Not all borrowers qualify for lowest APR or 0% down. To find out if you qualify, please call Sentinel Federal Credit Union at 605-923-1405 or ask your Black Hills area auto dealers.

Note: Interest rates on home equity loans will increase 1% on loans with a 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property.

Loan rates are based on credit history, term of loan, year and type of collateral.

*Annual Percentage Rate (APR) may change without notice.

First Mortgage Rates

Please contact our Mortgage Loan Officer at 605-923-6772 or 888-923-1400 for rates and applications for our first mortgage products and residential lot loans.

Share Savings & Checking Rates

Share Rates effective as of September 1, 2010

*APY is Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts.

Share Certificates & IRA Certificates

Certificate Rates effective as of September 1, 2010

Special Bump-A-Rate available on any certificate excluding specials. Minimum deposit $500.

*APY is Annual Percentage Yield. $500 minimum balance requirement. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts. Specials will automatically renew into the same term at maturity if that same term special is available from the Credit Union. Otherwise specials will automatically renew to the closest regular term. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and National Credit Union Administration, a U.S. Government Agency. IRAs up to $250,000.

**Maximum $100,000 in special certificates per SSN.

We believe that you get the best car buying value when you have your loan pre-approved before you go vehicle shopping. We’ll give you great car buying tips that can save you money. You’ll also know how much you can afford to spend on that new auto and what your monthly payments will be. Then when you’re ready to buy you’ll be purchasing with the buying power of cash. Since buying a vehicle is one of the most significant purchases we make, doesn’t it make sense to take a little more time and become an informed shopper. We’d love to help you get the best deal.

Additional Benefits:

• 100% financing on most new and used vehicles
• The better your credit, the better your rate
• Simple interest at a competitive rate
• No penalty for early payoff
• Credit Life and Disability Insurance offered at low rates

Get Preapproved l Auto Loan Calculator

GAP (Guaranteed Asset Protection)
Do you owe more than your vehicle is worth? Ever consider what will happen if your vehicle is totaled in an accident or stolen? GAP is designed to protect members against financial loss in the event their vehicle is stolen or declared a total loss due to an insured peril. GAP pays the difference between the primary auto insurance carrier’s settlement and the protected loan balance. Most everyone is eligible for the coverage and for a small charge you can sleep well knowing your investment is protected.

MRC (Mechanical Repair Coverage)
Have you ever considered buying an extended warranty? Have you been over-charged at a dealership in the past? Mechanical Repair Coverage helps pay the covered repairs on your vehicle when the unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total thousands of dollars. With MRC, your vehicle will be back on the road and you will rest easy knowing you saved a lot of money. 

Partnerships … Working to your advantage!

Debit Cards

Sometimes it’s difficult to keep up with the pace of life. But no matter what comes your way, you can enjoy it more simply by requesting a free Sentinel Federal Credit Union Visa Debit Card. With it, you have the purchasing power of Visa, plus ATM access to your Credit Union accounts. It’s safer than cash, faster than writing checks, and it’s accepted all over the place. So you can use your Debit Card to pay for movie tickets, gas, doctor visits, dry cleaning—virtually anything you need to keep your life moving.

Keep track of every purchase.
Purchases come directly from your checking account and are itemized on your monthly statement as well as online. You’ll see the merchant name, location, date and amount for every purchase.

Transactions available in real time.
Your Debit Card transactions are available in real time. This means most transactions are immediately reflected in your available balance. This includes deposits made at the Credit Union as well as your purchases and cash withdrawals.

Shop safe and secure.
When you press “credit” at the keypad and sign for your purchases, your card is protected by multiple layers of security, including: Visa’s Zero Liability Policy, so you won’t have to pay for unauthorized transactions; replacement funds, so any funds taken from your account due to fraudulent use will be returned; and continuous fraud monitoring for suspicious activity.

Pay with your Debit Card.
The next time you have to pay, reach for your Debit Card and discover just how easy life can be. Contact us today for your free Debit Card!

Debit Card & ATM Card Fees & Surcharge Information

• No transaction fee is charged when used in Sentinel Federal ATMs
• A small transaction fee is charged when used in ATMs not owned by Sentinel Federal. The owner of the ATM however, may apply an additional surcharge fee. A surcharge notice is normally displayed on the ATM screen before your transaction is processed.

Other Helpful Information about using your Debit Card

• To avoid a transaction charge anytime you have an option of entering debit or credit, choose credit. Entering a pin number results in a transaction fee.
• If you have a loan payment at Sentinel Federal that is late, the transaction maybe denied.
• Regulations allow only three electronic transfers per month, if your checking account is set up to transfer money from savings to checking if you overdraw, only three transfers are allowable per month.

Daily Limits

• Should your card be lost or stolen, daily limits have been set up for your protection.
• With your debit card, you may purchase up to a maximum of $1,500 per day, provided there are sufficient funds in your account.
• With your ATM card, you may make 10 cash withdrawals in any one day from an ATM, with a $400 maximum daily limit.

To Report Lost or Stolen Cards

During Normal Business Hours: 605-923-1405

After Business Hours:

800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards)