You have questions, and we have answers. We’ve discovered that some questions come up more often than others. So, we decided to provide simple answers that are easy to access. Simply browse the questions below and read about our solutions, services, and support.

Not finding what you need? Contact us for personalized care.

The routing number for Camino Federal Credit Union is 322279975.

Lost or Stolen Card

If your card is lost or stolen, or you suspect fraudulent activity, report it immediately.

Debit / ATM Card

  • During business hours, call Camino Federal Credit Union at 800-835-3400
  • After hours (24/7), call 800-754-4128 or 909-941-1398 (outside the U.S.)
  • To report suspected fraud: 888-241-2440

Credit Card

  • 24/7 number if your credit card is lost, stolen, or to report suspected fraud: 323-517-9400

Online Banking

Camino Federal Credit Union is excited to offer Online and Mobile Banking services that provide you with convenient and secure access to your accounts, plus extensive tools to help you manage your money and put you on the road to a healthy financial future.


Online Banking and Login Steps

  1. Go to Camino Federal Credit Union website
  2. Under the Online Banking login, click Sign Up
  3. Enter your Member Number, Social Security Number, Date of Birth, Last Name, and Requested Login ID to the appropriate fields
  4. On the next page, you will see a disclosure for signing up for Online Banking. After reviewing the terms, you can click Accept at the bottom of the page.
  5. You will then have to receive a Secure Access Code that you will use to login for the first time. You will have the option to have it sent via email, text message, or phone call. For all options you will have to enter the address or phone number you want to receive the code through. Secure Access Codes are one-time use only and are only valid for 15 minutes after you receive them.
  6. You can then use the code to login, along with your Requested Login ID. If the login is successful, you will be asked to set up a password.


View the Online Banking Platform Handbook

What do I need in order to begin using Online Banking?

To access your account(s), you will need the following:

  • Any type of computer that can access the Internet
  • An Internet Service Provider


What personal information do I need in order to begin using Online Banking?

Your Camino Federal Credit Union account number and the following qualifying personal information:

  • Member Number
  • Social Security Number
  • Date of Birth
  • Last Name
  • Requested Login ID


Which accounts can I access through Online Banking?

You can access any account you have at Camino, including loans and credit cards, through online banking.


What if my account information is not correct?

Try re-enrolling in Online Banking. If this does not correct the situation, contact the Member Service Center at 800-834-3500 between the hours of 8:00 a.m. to 5:00 p.m. Monday through Thursday and Friday, 9:00 a.m. to 5:00 p.m. You can email us 24 hours a day at Contact Us.


How much does Online Banking cost?

Online Banking is free of monthly service charges. In addition, Bill Pay is also available without a monthly service charge.

Are there limits to the number of times a day I can log in to Online Banking?

No, there are no limits to the number of times a day one can log in to Online Banking.


Can the joint owner on my account use Online Banking?

Yes, the joint owner on your account may use Online Banking.


What does it mean to register my computer?

By registering a computer you are telling the security system that this is your own personal computer. You are authorizing the site to place a "cookie" on the site, which will allow your computer to be recognized as yours the next time you attempt to access Online Banking from the same device.

Can I "unregister" my computer?

Yes. Deleting cookies on your Internet browser settings and re-opening a new Internet browser to sign back in will "unregister" that specific PC.
Please note: A routine maintenance procedure typically involves deleting your cookies. Simply be aware that following any routine computer maintenance, when you attempt to login to Online Banking you may be prompted to register that computer again.

Can I use Online Banking from any location?

Yes. As long as you have access to the Internet, you may use Online Banking from any location in the world, 24 hours a day.

Can I use this on my phone/tablet?

Absolutely. You can download the app on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you prefer to use a browser or are on a platform that isn't Android or Apple, you can always access online banking via your HTML5-compatible mobile browser. Please note that mobile deposit is not available unless you are using either the Apple or Android app.
Apps are available in the Apple and Google Play stores for iPhone and Android devices. Other phones can access the Camino Federal Credit Union mobile site through their phones internet browser.

Do I need any special software?

No. You just need the software that you would usually use to access the Internet, including a web browser. Online Banking works with Internet Explorer, Firefox and Safari. Members with PCs and Macs will be able to access the system easily. There are no special disks or software required, however, you must use a computer that meets minimum hardware and software requirements.

What browsers are compatible with Online Banking?

All browsers that are HTML5 compatible are compatible with Online Banking. We recommend updating your browser to the latest version available.


How long before Online Banking times out?

15 minutes


What are the business hours for Online Banking?

Online banking will be available 24 hours a day, 7 days a week.



Feel secure at Camino Federal Credit Union

Protecting our members’ personal financial information is very important to us. Because there is an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed. That’s why we’ve compiled resources and information that will help you recognize and report potential fraudulent activity.

Protecting Your Online Experience

With thousands of members visiting Camino Federal Credit Union’s website each month, it’s important to know that we have measures in place to help protect from potential attacks. While no financial institution is 100% immune to fraudulent attacks from would-be identity thieves, we monitor or have implemented several layers of protection to minimize the chances of a successful intrusion. Below is a brief overview:

  • Our domain name is secured. We use Internet service providers who host our domain name across different segments of the Internet (including other continents), as well as provide added security over these domain names. This helps to “lock down” our domain name so members encounter less risk of being redirected to a fraudulent site without their knowledge or permission.
  • The website’s host is protected. Our hosting service maintains the server running our site with the latest security patches available. And, this data center provides the highest level of “up time” to members in the event of something unforeseen—such as a natural disaster in Southern California.
  • Online Banking is encrypted. It goes without saying that you expect your online financial transactions to be protected to the highest degree possible. When you access Online Banking, your financial information is automatically encrypted. From the moment account information leaves your computer to the time it enters Camino Federal Credit Union’s system, all online banking, website, bill payer and other internet sessions are encrypted. Camino Federal Credit Union employs some of the strongest forms of encryption commercially available for use on the Web today. During any transaction, our 128-bit encryption turns your information into a scrambled sequence with billions of variations, making it nearly impossible for intruders to decipher. Camino Federal Credit Union computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.Look for a "closed lock" icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."


Password Suggestions
Do not use your Social Security number as a user name or password. Change your user names and passwords regularly and use a combination of letters, numbers and “special characters” such as “pound” (#) and “at” (@) signs. Do not use your online banking password as a password for other online accounts.
Protect your online passwords. Do not write them down or share them with anyone.


Security Recommendations
Protect your answers to security questions. Select questions and provide answers that are easy for you to remember, but hard for anyone else to guess. Do no write down your security questions or answers or share them with anyone. Avoid using the same questions to protect your Camino Federal Credit Union online account and other Internet services.

Termination of Session. Always log off from any website after making a purchase with your credit, debit card or when using Online Banking. If you can not log off, shut down your browser to prevent unauthorized access to your account. Always close your browser when you’re not using the Internet.

Timed log-off. Camino Federal Credit Unions systems will automatically log you off Online Banking after 10 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Firewall. Camino Federal Credit Union computer systems are protected 24 hours a day by powerful firewalls that block unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.

Cookies are a piece of information-stored directly on the computer you are using. Camino Federal Credit Union may place cookies on your hard drive for security purposes, to facilitate site navigation and to personalize your experience. If you chose not to accept cookies from our site, then you may not be able to access and use all or part of the benefits from the site. Removing the Online Banking cookie will re-enable challenge questions through online banking as your computer will no longer be identified as a registered computer. No personal information is stored within Camino Federal Credit Union cookies.


Identity Theft and Fraud
New fraud alert!
We have detected fraudulent cell phone text and email messages being sent to Camino Federal Credit Union Members. These messages did NOT come from Camino Federal Credit Union.


IMPORTANT—DO NOT give out your personal information.
Members should never provide personal information such as passwords, credit card numbers, Social Security Numbers, Personal Identification Numbers (PINs) or personal loan information to a website or unfamiliar phone number. In addition, you should never click directly on links in an email that request sensitive information—even if you recognize and trust the website address. These links can redirect you to a fake website (although it may look trustworthy).



  • Never provide personal information in response to any unsolicited request by email, letter, text message or phone call.
  • Beware of any unsolicited email, letter, text message, or phone call that threatens to close or suspend your account(s).

If you are unsure if any message you receive is legitimate, please contact Camino Federal Credit Union directly for verification.
At Camino Federal Credit Union, we’re committed to reducing the risk associated with fraudulent activity and truly appreciate when members bring all questionable activity to our attention. Please know that we will NEVER send you email's to ask for your personal financial information.


Identity Theft and Fraud Resources:


Scam and Fraud Awareness:
Protecting our members’ personal financial information is very important to us. Because there’s an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed and able to recognize and report potential fraudulent activity. Courtesy of the FBI, below you will find information on how to keep from becoming a victim of fraud.

If you can answer “Yes” to any of the following questions, exercise caution, as these tactics can easily be utilized to commit crimes against you.

  • If you’re receiving a check, is the check from an item you sold on the Internet, such as a car, boat, or jewelry?
  • Is the amount of the check more than the item’s selling price? For example, if you sold someone an item for $100, did they send you a check for $500 and ask for a refund of $400? Don’t do it…that’s a scam!
  • Did you receive the check via an overnight delivery service?
  • Is the check connected to communicating with someone via email?
  • Is the check drawn on a business or individual account that’s different from the person buying your item or product?
  • Have you been informed that you were the winner of a Lottery, such as Canadian, Australian, El Gordo or El Mundo, that you didn’t enter?
  • Have you been instructed to wire, send or ship money, as soon as possible, to a large U.S. city or to another country, such as Canada, England or Nigeria?
  • Have you been asked to pay money to receive a deposit from another country such as Canada, England or Nigeria?
  • Are you receiving pay or a commission for facilitating money transfers through your account?
  • Did you respond to an email requesting you to confirm, update or provide your account information?

Together, we can help squash fraud and identity theft!
If you suspect that you’re the victim of identity theft or other fraudulent activity, please contact the credit union as soon as possible, so that we may take steps to protect the integrity of your account information and funds.

Computer Security Tips

  • Keep your computer operating system up to date to insure the highest level of protection.
  • Install a personal firewall on your computer.
  • Install, run, and keep anti-virus software updated.
  • Turn your computer off completely when you are finished using it – don’t leave it in sleep mode.
  • Conduct online banking activities on secure computers only. Public computers (computers at internet cafes, copy center, etc.) should be used with caution, due to shared use and possible tampering. Online banking activities and viewing or downloading documents (statement, etc.) should only be conducted on a computer you know to be safe and secure.

Email Security Tips

  • Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
  • If you receive a suspicious email that you think is a phishing email, do not respond or provide any information. Send the email to Review our identity theft information and resources for more information.
  • If you responded to a phish email with personal information, contact Camino Federal Credit Union’s fraud prevention department at 800-835-3400.

What can Members do through Online Bill Pay?
Setup automatic payments for recurring bills of the same amount, such as your mortgage bill Set up payments to be made to accounts at different times for different amounts, such as your phone bill.


What is the fee for the Online Bill Pay service?
There is no fee for Online Bill Pay.


When is the money withdrawn from my account after I pay a bill?
If the payment is paid by ACH it will be taken from your account on the date you chose the payment to be made. Example – I want my mortgage paid on Wednesday the 1st. The payment and credit will take place on the 1st. If the payment is paid by check the payment will be debited when the check is processed by the payee. Example – I want my lawn care service paid on Wednesday the 1st. The check is guaranteed to arrive on the 1st. The payee is then responsible for cashing the check.


Will I be able to view my payment history for a specific payee?
Yes, you will be able to recall at least two years of payment history for a specific payee.


How long will it take for my bill payment to be credited by the payee?
The vast majority of payments will be debited from your account on the day they are due, or on the date you schedule them to arrive at the payee. A limited number of payments may take up to 5 business days.


How far in advance should I set up my payments to be paid?
Schedule bills to be paid on the day they are due instead of the day you would send the payment- so you can hold on to your money longer.


What do I do with the part of the invoice or bill that I usually send back to the payee with my check? Does the payee need that to process my payment?
No, you can simply shred or destroy it. All of the necessary information is provided to your payee through our Online Bill Pay system.


Why do you need to know the phone number of the payee?
The phone number is necessary because if we need to research a payment, we can contact the payee directly on your behalf.


How do I know if a payment is going to go through electronically or by a paper draft (check)?
On the right-hand side of the calendar it will indicate how the payment is going to be processed.


Are there specific days of the week that payments are made?
Payments can be scheduled for arrival Monday through Friday, excluding federal holidays.


Why can't I schedule a payment for a Friday or a Saturday?
Payments are processed according to the typical Federal Reserve schedule. The calendar will gray out any non-processing days.


Does our existing overdraft protection work for the Bill Payment feature?
Yes, it works just like regular checks do within your account.


What do I do if the intended payee never receives my payment?
Go to the Payment History section and click on the payee you wish to dispute. That will display the dispute form for you to fill out and submit electronically.

Interactive Video Player

What is an eStatement?
An eStatement is an electronic copy of your recurring account statement available through our online banking system. When you sign up to receive eStatements, you will no longer receive a paper statement in the mail. You must provide an email address to receive eStatement notifications.


How do I enroll for eStatements?
Sign on to Online Banking
1. Click on Services
2. Click on eStatements
3. Click on Delivery Preferences
4. Under Change Delivery Preference chose Email Only
5. Provide the email address you’d like the notice sent that your eStatement is ready to view
6. Review the Terms of Use
7. Click on I accept all Terms of Use
8. Click on Save Preferences
You’re now ready to start receiving your eStatements.


Are eStatements emailed to me?
No, for security reasons, we do not email actual statements over the Internet. When you sign up for eStatements, you will receive an email message notifying you of when your statement is available for viewing through our secured online banking system.


How do I view my eStatement?
Sign on to Online Banking:
1. Click on Services
2. Click on eStatements
3. Choose account that you wish to receive eStatements to
4. Under Documents click on Statements and Notices
5. Click on Account Statements
6. Click on year you would like to view
7. Click on month you would like to view
You're now ready to view your eStatment.


Do I need special software to view eStatements?
No. You just need the software that you would usually use to access the World Wide Web, including a web browser. There is no special Online Banking software required, however, you must use a computer that meets minimum hardware and software requirements.


Is there a fee to receive eStatements?

No, eStatements are free for all Members. In fact, by signing up for eStatements, you are helping to save your credit union money in processing and delivering fees, since eStatements are much more cost-effective to produce than regular notices.


Can I cancel eStatements and begin receiving paper statements again?
You may cancel your eStatement preference and go back to paper statements at any time. Simply log into your Online Banking and follow the same steps you would if you were to register. Instead of selecting Email Only, you can choose either US Mail Only or US Mail and Email. Paper statements are subject to a $2 per month paper statement fee. If you cancel your eStatement preference after 6 p.m. on the last day of the month, the "Mail Statement" preference may not take effect until the following month.

Mobile Banking

Camino Federal Credit Union is excited to offer Online and Mobile Banking services that provide you with convenient and secure access to your accounts, plus extensive tools to help you manage your money and put you on the road to a healthy financial future.


Mobile Banking App User Login Steps

1. Update your Mobile Banking App and enter your current Login ID and Password and click Login. If you have forgotten your Login ID, please contact us at (800) 835-3400 if you have forgotten your password click on Forgot Password.

2. If required, you will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your Online Banking account. Select either the phone, text message, or email option that will enable Camino Federal Credit Union to reach you immediately with your one-time Secure Access Code.

3. When you receive your six-digit Secure Access Code, enter it in the access code screen and click Submit again. The one-time access code is only valid for 15 minutes.

4. Next, you will be asked if you would like to register your device. If you register your device, you will not have to generate a new secure access code when you use that device in the future.

5. You will then be logged into the Mobile Banking App with Camino Federal Credit Union.

Using Mobile Banking is easy. Just download apps for iPhone from the App Store and from Google play foryour Smart Phone. When you've successfully downloaded the appropriate app you will be prompted to enter your Login ID and OnlineBanking password. If you aren't yet signed up for Online Banking, it's quick and easy to register. Just click on "FirstTime User" near the login section on our home page from your computer or smartphone. Once you've created an Online Banking profile and logged into Online Banking, go to "What do they chose" menu and choose Mobile Banking to register your phone for Mobile Banking.

What can I do with Mobile Banking?
Mobile Banking is a wireless internet‐based service that allows you to do your banking safely and conveniently. With Mobile Banking, you can view your account balances, look up transactions, pay your bills, transfer funds, access mobile deposit and locate the nearest ATM or branch.


What does it cost to use Mobile Banking?
Mobile is a free service for all Camino Federal Credit Union Members enrolled in Online Banking. Your cell phone carrier may still charge for text, data usage and web access; check with your carrier for more details.


How do I know that my Mobile transactions are secure?
Your security is always our top priority, and we have taken every precaution to ensure that every Mobile transaction will be secure.

  • All information transmitted is protected with state‐of‐the‐art 128 bit‐encryption methods that masks your sensitive information
  • A password is required every time you sign on to Mobile Banking
  • If your phone is lost or stolen, you can immediately deregister the phone from Mobile Banking on our website or by calling us
  • Only bill payments to existing payees can be made; you can only add a new payee by logging into Online Banking

In addition, your cell phone may have a password protection feature that you can use to lock your phone with an additional password.

Are SMS messages secure?
SMS messaging as a means of transmitting information is not secure. It’s for this reason that we limit the detail of information you can receive via SMS (Mobile Texting).


What apps are available?
Currently apps for Android and iPhone devices.


How do i know I'm downloading a legitimate app?
To ensure the safety of your personal and account information, download mobile apps from reputable sources only.


What is needed to use Mobile Baking?
To access Mobile Banking you will need:

  • A Camino Federal Credit Union account that is enrolled in Online Banking
  • A smart phone that can access the Internet (for Mobile Web and Mobile apps)
  • A cell phone with text messaging enabled (for Mobile Text)


What if I can't access the Internet on my phone?
Through text (or SMS) messaging, you can check your balances, look at history, or find an ATM or branch. Check with your carrier for text messaging charges.


Can I have more than one phone registered to my account?
Yes, you can access your account through apps on more than one phone, or through the browser function. For text banking, however, only one phone may be registered per Member number.


How do I set up a payee in Bill Pay?
Only bill payments to existing payees can be made in Mobile Banking; you can add a new payee by logging into your Online Banking account.


How do I make a bill payment in Mobile Banking?
Choose View/Pay Payees from the menu option. Then schedule a payment.


How do I transfer funds in Mobile Banking?
Choose Transfers from the main menu option, and then choose which shares you want the funds to come from and to.


How do I find an ATM or Camino Federal Credit Union branch in Mobile Banking?
Choose the ATM/Branch locator option from the main menu.


What happens if I lose my phone or get a new phone?
Log into Online Banking, go to the tools menu and choose Mobile Banking. From there, you can deregister a phone or configure your preferences. Of course, you can always call our Phone Center at 800.835-3400 and we can help you.


Mobile isn't working. Who can help me?
Please call us at 800.835-3400 between the hours of 9 a.m.—5 p.m., Monday through Thursday and Friday from 9 a.m.—6 p.m.

Clicking this video will redirect you to YouTube.

Learn how to set up and log in to Camino Federal Credit Union's home and mobile banking platform.

Clicking this video will redirect you to YouTube.

Learn how to check account activity and make transfers with Camino Federal Credit Union's desktop and mobile banking platform.

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