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Phone & Text Banking

Meet Joy!

Convenient Voice or Text Banking

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  • ​​Check account balances and transaction history
  • Transfer funds from one account to another
  • Stop payment on a check
  • Estimate a loan payment
  • Completely free for all members

Make transactions anywhere, completely free​

​Let Joy handle your SIU Credit Union account tasks from anywhere with voice and text banking. No matter how you prefer to manage your transactions, we have a solution for you. Text banking lets you send text commands, check your balance, transfer funds and review your account history—find out how to enroll below. With voice banking, you can dial our audio response service with any touch tone device. From there, you’ll be able to speak with JOY to transfer funds, stop a payment on a check, estimate a loan sum and much more.

How to enroll in text banking

​Follow these simple, step-by-step instructions to enroll in text banking.

How to enroll


Ask our new virtual assistant “Bill” any question by clicking the CHAT option in the lower right corner. Bill is still learning, so if he cannot answer your question, he can connect you with one of our Member Service Representatives during business hours. Your feedback helps make Bill smarter for your next visit, so please share.

Wanna try it out?

Talk to Joy