How we're protecting members and employees.

Updated 04/02/2020:

After careful consideration we have decided to further limit access to our branch lobbies. In light of new information about Coronavirus cases peaking over the next few weeks, we've decided to limit branch lobby availability to appointments only starting on Wednesday, April 8th. The health and safety of our employees and members is extremely important to us. Limiting lobby access to appointment only allows us to further apply social distancing guidelines and continue to safely operate our Credit Union.

Starting on Wednesday, 04/08/2020, until further notice:

  • Monday through Wednesday: Lobby Hours will be by appointment from 9:00AM until 4:00PM
  • Thursday and Friday: Lobby Hours will be by appointment from 9:00AM until 6:00PM
  • Saturday: Lobby Hours will be by appointment from 9:00AM until 12:00PM
  • Drive-up hours remain the same at this time.

Branch Appointments

Branch appointments are available and will be for the following transactions: safe deposit box access, loan closings, loan applications, opening new accounts, IRA transactions, and wire transfers. Other lobby transactions can be handled through the drive-up, including purchasing money orders and bank checks.

Please call your preferred branch for further information and to arrange an appointment.

  • Fairhaven, 123 Alden Road, Fairhaven, MA  02719
    (508) 994-9971
  • Fall River, 1101 Stafford Road, Fall River, MA  02721
    (508) 675-0612
  • New Bedford, 2926 Acushnet Avenue, New Bedford, MA  02745
    (508) 984-3685

We encourage our members to stay home and only venture out if necessary. Please remember that there are several ways to access your accounts and interact with us. The SMCU Mobile App is an excellent way to access your accounts, transfer funds, and deposit checks. There is also online banking and telephone banking.

Thank you for your patience and understanding as we all try to navigate these unusual circumstances and make the best decisions possible for our employees and members.

Options for Account Access

Mobile App
The SMCU Mobile App with Mobile Deposit Capture is available to easily access your accounts, pay bills and deposit checks. During this time, we are temporarily raising mobile deposit capture limits to $3,000 daily and $10,000 monthly. The SMCU Mobile App is available in the Apple App store and the Google Play store.

Online Banking
With Online Banking you can monitor your accounts, pay bills, and transfer funds. You also can pay bills and view eStatements.

Telephone Banking
With EasyTouchTM telephone response line, you can obtain up-to-the-minute rate information, 24 hours a day, 7 days a week. To access EasyTouchTM, dial (800) 770-7689 (within 508/617/781/978 area codes) or (508) 999-0904 and just follow the simple, step-by-step instructions.

ATM Access
Each of our branch locations have an ATM and Southern Mass Credit Union is part of the SUMSM program. By using a SUM ATM, you avoid surcharges when using your SMCU debit card at ATMs displaying the SUM logo. Foreign ATM fees may still apply.

Apply online
You can apply online for both consumer loans and mortgage loans.

New Members
New members looking to open accounts with Southern Mass Credit Union can start the process online by submitting a SMCU Membership Application.

Loan Hardships
Southern Mass Credit Union is here to help you during this time. Should you find yourself needing guidance with your loan payments, please give us a call.

  • Residential Lending/Mortgages/Home Equity Loans and Lines: 508-984-3689
  • Consumer Loans: 508-994-9971

Cash Withdrawals
We do not recommend making large withdrawals of cash as many places are only accepting debit or credit card right now. We would recommend you only have enough cash on hand for your everyday needs. The safest place for your funds is at the credit union and monitoring your accounts using mobile banking, online banking and telephone banking. Southern Mass Credit Union is federally insured by NCUA and excess shares and deposits are protected by MSIC. Should you need to make a large cash withdrawal, please call to make an appointment as this type of transaction should be made in the lobby.

Please know that we are diligently monitoring the Coronavirus situation. The concern for the safety of our staff and members is of the upmost importance. We have stepped up the cleaning of all our branches with common areas being wiped down several times a day. We've advised our staff to wear gloves when handling money; have increased the number of hand sanitizer bottles available for employee and member use; and are encouraging those who are not feeling well to please stay home. We do not have plans to close any of our branch locations. However, we do have contingency plans in place should there be a need.

Member deposits are fully insured; Southern Mass Credit Union is federally insured by NCUA and excess shares and deposits are protected by MSIC.

We will post updates to our website and social media pages should any changes occur. The Board of Directors, Management, and staff are all concerned for the well-being of our communities. We are monitoring several news channels and media outlets as well as we are in contact with several credit union organizations and other local financial institution monitoring what is going on around us.

During this current outbreak of Covid-19 (the Coronavirus), SMCU is following these safety precautions as preventative measures:

  • Social Distancing. We are asking members to please maintain the recommended social distance when interacting with any of our employees. Please understand that we are putting this practice into place as a safety precaution to protect our employees and members.
  • Before visiting one of our locations, we ask those people who have traveled outside of the United States within the last 2-weeks, please call us before entering the building. We may be able to help you over the phone. Phone: 508-994-9971.
  • Hand Sanitizer is available for member use in the lobby.
  • Employees and members are encouraged to wash their hands frequently with soap and water for at least 20 seconds.
  • SMCU employees will not be shaking hands during this time. Please do not take offense as we are trying to help reduce spreading any viruses.
  • We are encouraging members to please stay home if exhibiting any symptoms including fever, cough, difficulty breathing.

Stay Informed

There are many resources available on the CDC's website with updates about the Coronavirus and how to help prevent the spread of the virus.


Sadly, scammers and fraudsters are using the coronavirus to try and benefit from consumer fears and the uncertainty surrounding this event. The Federal Trade Commission’s website has specific Coronavirus scam information.