Convenience. Service. Reliability. Our electronic services provide all that and more…with just a click.


Smooth Sailing Online Access

Accessing your account on the web is fast and easy. Log onto Smooth Sailing Online Access and enter your member number and password. Once inside your account you can then:

      • Check account balances
      • Print your account history
      • Withdraw funds
      • Print out cleared checks
      • Transfer funds from account to account or account to loan
      • Apply for a loan
      • Sign up for e-statements and Bill Pay
      • Pay your bills
      • Access your credit card information
      • Get your tax information
      • Change your password
      • Download account history into your money management software

Conch Call Call 24

Our 24 hour automated teller is available by calling 954-772-2330. You can call and do the following:

      • Voice activated in English and Spanish
      • Check your balances
      • Withdraw funds
      • Transfer funds from account to account or account to loan
      • Find out individual cleared checks and other transaction history

Bill Pay

Pay your bills online with just a click. Easy and convenient, never miss a payment by setting up recurring withdrawals. Never worry about checks getting lost in the mail. You can feel secure deciding when you want bills paid, then monitoring the activity on your account. Flexible. For when you want to do business. To enroll in FREE online Bill Pay click here then click on Bill Pay.


FREE E-Statements! Stop waiting for ‘snail mail’. Get your statements faster! Click on Smooth Sailing Online Access, log in, and then click on Sign up For E-Statements. You will be sent an email at the beginning of each month when they are ready for viewing.

Coral Card

Access ATM’s worldwide with your free Coral Card. Get cash, transfer funds, and make inquiries.

MasterCard Debit Card

With your checking account, you will receive a free MasterCard Debit Card. Use it wherever you see the MasterCard logo, or in any ATM worldwide. Works like cash to purchase goods. The funds will be drawn out of your account immediately.


Use your Coral Card or MasterCard Debit Card to withdraw or transfer funds. Six free transactions monthly.

Worry Free Courtesy Pay

It happens. You have more month than money. You miscalculated in your checkbook. With Worry Free Courtesy Pay, insufficient checks are paid up to $750 with a fee per check paid.

Loan Application

Apply for a loan right online! It’s easy and convenient – and you will receive a decision in seconds. Log onto  Smooth Sailing Online Access, and then click on loan application.

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