You can perform the following transactions at a shared branch location: 

• withdraw cash
• make deposits
• transfer between accounts
• make loan payments
• check your balances

For a complete listing of locations and hours, visit the Shared Branch site.

You may access your account, fee-free, by using your Sentinel Federal ATM card or Debit Card at the following Sentinel Federal-owned ATMs:

Rapid City, SD
Drive-Up ATM: Haines Branch – 1430 N Haines Ave
Drive-Up ATM: Triple Crown Branch – 4011 Triple Crown Dr

Ellsworth AFB, SD
Drive-Up ATM: Located in BX Parking Lot
Walk-Up ATM: Located in Shoppette

Box Elder, SD – New Location
Drive-Up ATM: 447 North Ellsworth Road (next to Villa Car Wash)

Mailing Address:

Sentinel Federal Credit Union
PO Box 700
Box Elder SD 57719

Branch Locations & Hours:

Main Office
On Ellsworth AFB connected to BX
Mail: PO Box 700 – Box Elder SD 57719
Phone: 605-923-1405 / 888-923-1400
Fax: 605-923-3960
Overseas DSN: 675-6303
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT) 
Contact Us

Haines Branch
1430 N Haines Ave, Suite 101 – Rapid City, SD 57701
Phone: 605-923-1405 / 888-923-1400
Fax: 605-348-8047
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT)
Drive-Up: Mon – Fri 7:30 am – 5:30 pm (MT) / Saturday 9:00 am – Noon (MT)  

Triple Crown Branch
4011 Triple Crown Dr – Rapid City, SD 57701
Phone: 605-923-1405 / 888-923-1400
Fax: 605-342-2055
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT)
Drive-Up: Mon – Fri 9:00 am – 5:00 pm (MT) / Saturday 9:00 am – Noon (MT)   

Winner Branch
757 W 2nd St – Winner, SD 57580  
Mail: PO Box 87 – Winner, SD 57580
Phone: 605-842-3581 / 888-923-1400
Fax: 605-842-1370  
Lobby Hours: Mon – Fri 8:30 am – 3:30 pm (CT)
Drive-Up: Mon – Fri 8:00 am – 3:30 pm (CT)

To Report Lost or Stolen Cards

If your Sentinel Federal card is lost or you believe it has been stolen, call us immediately at the appropriate number below.

During Normal Business Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Phone: 605-923-1405 / 888-923-1400

After Business Hours:
ATM Cards: 800-472-3272
Debit Cards: 800-682-6075
Credit Cards: 800-543-5073

Shared Branching

Shared Branching gives you convenient access to your credit union accounts at over 185 credit union locations. Get details

• Forgot your online banking password?
• Need to reactivate your online banking account?
• Need to order checks?
• Send us a message

Phone Numbers:

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:

If your Sentinel Federal card is lost or you believe it has been stolen, call us immediately at the appropriate number below.

During Normal Business Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Phone: 605-923-1405 / 888-923-1400

After Business Hours:
ATM Cards: 800-472-3272
Debit Cards: 800-682-6075
Credit Cards: 800-543-5073

Mailing Address:

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

Routing Number: 291479291

Locations & Hours  I  Shared Branching  I  24/7 Services

Sentinel Federal Credit Union has been guarding and protecting the financial well being of our members for 55 years. Our mission is to maintain integrity and protect the financial future of our member owners.

Additional Information

• Other Services
• Fraud Alerts
• News & Notices
• Disclosures
• Holiday Schedule
• Financials
• Shared Branching

Routing Number: 291479291

Sentinel Federal Credit Union warns all members to be extremely cautious when you are asked for personal or financial information over the phone, by email, through a text message or the Internet. Don’t give out personal information unless you’ve initiated the contact and are sure you know who you’re dealing with.

Identity thieves are clever, and may pose as a representative of your Credit Union to get you to reveal your sensitive information. The thieves may use pressure to get you to act immediately or use scare tactics or harassment to trick you into sharing your personal information.

DO NOT RESPOND to these fraudulent messages. These are scams attempting to steal your personal information. Sentinel Federal Credit Union will NEVER contact you via email, text, or phone asking for confidential or sensitive information. Remember never give out your sensitive information to people who contact you.

Contact us immediately at 605-923-1405 or 888-923-1400 if you responded to a fraudulent message and have given out any information.

Recent Fraud Alerts

Learn more about Phishing Scams and how you can protect your confidential information. Learn more about common telemarketing scams and how to avoid them at ftc.gov/phonefraud.

To Report Lost or Stolen Cards:

If your Sentinel Federal card is lost or you believe it has been stolen, call us immediately at the appropriate number below.

During Normal Business Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Phone: 605-923-1405 / 888-923-1400

After Business Hours:
ATM Cards: 800-472-3272
Debit Cards: 800-682-6075
Credit Cards: 800-543-5073

Loan Rates effective as of February 3, 2012
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

New Vehicle Loans (2010 and Newer)

Used Vehicle Loans (2005 – 2009)

Used Vehicle Loans (2002 – 2004)

Used Vehicle Loans (2001 and Older)

Classic Cars
Completely restored and registered at Court House as antique

Motorcycle Loans – New and Used

Snowmobiles, ATV & Personal Watercraft Loans

Motor Homes, Campers, Travel Trailers, 5th Wheels,
Boats & Horse Trailer Loans

Mobile Home Loans

Personal Loans

Other Loans

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 December 16, 2011

*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 December 16, 2011

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.

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
• Need quick cash? Learn about our Payday Loan Alternative

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/

Credit Life Insurance
There’s no way your family can prepare for an unexpected death, but you can take steps along the way to help ensure your family is provided for if the unexpected occurs. MEMBER’S CHOICE® Credit Life Insurance, underwritten by CUNA Mutual Insurance Society, may help pay your loan, so your loved ones don’t have to. Contact us today about Credit Life Insurance.

MEMBERS® Auto & Homeowners Insurance 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 & Homeowners Insurance Program.

• The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
• Access 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.

Click here to start saving!

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.

Assets

Liabilities

2011 Annual Report

The NMLS launched a consumer focused Web site, NMLS Consumer Access, which makes information available about mortgage loan originators. Visit the NMLS Consumer Access website for more information.

Sentinel Federal Credit Union: NMLS# 449573

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

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. 

Time for a new car? Click. Shop. Drive!

Sentinel Federal Credit Union is proud to introduce CUDL AutoSMART. It’s a free online resource that offers valuable research tools and resources to help you make more informed decisions the next time you’re considering a vehicle purchase.

CUDL AutoSMART has it all:

• Extensive new and used auto inventories of dealers in your area and exceptional pricing
• Valuable vehicle research and comparisons
• Easy-to-use loan calculators

Ask us about this valuable member benefit or visit our CUDL AutoSMART website today.

Online Auto Auction

Buy electronic savings bonds online
Savings bonds are available for purchase as electronic issues in TreasuryDirect®. TreasuryDirect is a secure Web-based system that allows investors to establish accounts to purchase, hold and manage Treasury securities online at www.treasurydirect.gov.

Advantages of TreasuryDirect
Here are some of the advantages of TreasuryDirect:

Security. TreasuryDirect bonds are electronic, and securely stored in your online account. No paper bonds to store and manage.
Flexibility. You manage your electronic bonds online as your needs and financial circumstances change.
Convenience. You manage your Treasury investments 24 hours a day from the convenience of your own home, work, or anywhere that you have online access through a secure Internet connection.
Fast. Your electronic savings bonds are posted to your account just one business day after purchase.

Convert paper savings bonds to electronic
Paper bonds can be converted to electronic savings bonds in TreasuryDirect using a program called SmartExchange®. There’s no charge to convert paper bonds. They won’t lose any of the interest earned, and they retain their original issue dates and interest rate terms.

Purchase electronic savings bonds as a gift
TreasuryDirect has a gift feature so customers can buy electronic savings bonds as gifts. To purchase an electronic savings bond as a gift, you need the recipient’s full name and Social Security Number and/or taxpayer ID number. The gift bond is placed in your “Gift Box” within your account until you obtain the TreasuryDirect account number of the recipient and are ready to transfer the bond into the recipient’s account. The gift recipient will then receive an e-mail announcing the transfer of the bond. Anyone 18 years of age or older can be a TreasuryDirect account holder.

Open your TreasuryDirect account today
Opening a TreasuryDirect account is free at www.treasurydirect.gov. Bonds bought electronically through TreasuryDirect are safely maintained in your account with the U.S. Treasury. It’s convenient and secure. Are you interested in watching an informative video on how to open a TreasuryDirect account? If so, visit the TreasuryDirect Videos page.

As part of our Business Services, Sentinel Federal Credit Union can help you quickly set up a wide range of credit and debit card options for your customers. Contact our Business Financial Service Representatives for more information.

Safe Deposit Boxes

Safe deposit boxes are safe and secure places to keep valuable personal items but they are not fire nor flood proof. Vaults are fire, flood, and heat “resistant”. Your box contents are not insured by the Credit Union. Ask your insurance agent about available options to insure the contents of your safe deposit box. Annual rental fees are automatically withdrawn from your savings or checking account on January 1st each year. Please contact us for availability.

Direct Deposit

Direct Deposit is the easy way to deposit your paycheck. Instead of receiving a written check that you must personally bring to the Credit Union, your pay is electronically transferred from your employer right to your Credit Union account. Social Security and other government checks can also be direct deposited. There’s no standing in line and no reason to make a special trip to the Credit Union. It’s free, easy, safer and a time saver. Find out if your employer offers direct deposit. If so, ask for an enrollment form, usually available through your human resource department. Complete it and return it to your employer. Or, ask a Credit Union Member Service Representative for an enrollment form, fill it out and return it to your payroll department. Direct Deposit usually begins within 30 days.

Payroll Deduction

Save money the easy way – through payroll deduction. Most employers have a payroll deduction program, which allows employees to have a portion of their pay sent directly to the Credit Union. You can even arrange to have your loan payments or Christmas Saver account deposits made through payroll deduction. If you already have direct deposit at the Credit Union we can automatically transfer money to your savings account each payday. Just let us know how much you’d like transferred and to what account. Check with your employer about signing up for payroll deduction or inquire at the Credit Union.

Night Deposit

The easy way to conduct business after hours. Okay, it’s after Credit Union business hours, you forgot to make your deposit and you’ve got to be at work before we open in the morning — not a problem. Use the night deposit that’s available at the branches. 

It’s important to remember that deposits made after hours are posted the next business day. Friday after hour deposits will be posted on Monday. Please be aware however that checks trying to clear your account and automatic loan payments may occur before your night deposit is posted. This may result in an overdraft. If it is vital for you to have your deposit posted first thing in the morning, we recommend you bring it in personally. Don’t let the name “Night Deposit” mislead you, you can drop off a deposit there even during business hours, just remember it will be posted the next business day.

Savings Bonds

Buy electronic savings bonds online
The U.S. Department of the Treasury discontinued over-the-counter sales of paper savings bonds on December 31, 2011. Savings Bonds are no longer sold at Sentinel Federal Credit Union. Savings bonds are available for purchase as electronic issues in TreasuryDirect®. TreasuryDirect is a secure Web-based system that allows investors to establish accounts to purchase, hold and manage Treasury securities online at www.treasurydirect.gov. Learn more

If you’re carrying balances on high-interest rate credit cards, you’re invited to transfer those balances to a Sentinel Federal Visa Classic Credit Card which can save you money. Transfer your other credit card balances to a low-rate Sentinel Federal Visa Classic Credit Card by February 29, 2012, and you’ll qualify for a balance transfer rate that is the same as your purchase rate. There are no balance transfer fees or annual fees and you’ll enjoy a lower interest rate while you pay down your balance.

APPLY NOW!

The Sentinel Federal Visa Classic Credit Card offers:

• Low variable rates
• No annual fees
• 28 day grace period on purchases
• No balance transfer fees
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Visa Classic Application and Solicitation Disclosure
Visa Credit Card Agreement

Helpful Information

• Shop online with confidence. Use Verified by Visa.
• Let us know if you’ll be traveling with your card
• To report lost, stolen or blocked Credit Cards:

During Normal Business Hours: 605-923-1405 or 888-923-1400
After Business Hours: (Lost/Stolen) 800-543-5073; (Blocked) 866-334-1048

 
Visa® Secured Credit Card
Everyone qualifies for the Sentinel Federal Visa Secured Credit Card, regardless of their credit history.

• Non-variable rate as low as 10.00% APR*
• Card is secured by your savings
• No annual fee
• No grace period on purchases
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Apply today for our Visa Secured Credit Card.

Helpful Information

• Credit Card Agreement
• Verified By Visa
• Let us know if you’ll be traveling with your card
• To report lost, stolen or blocked Credit Cards:

During Normal Business Hours: 605-923-1405 or 888-923-1400
After Business Hours: (Lost/Stolen) 800-543-5073; (Blocked) 866-334-1048

*APR = Annual Percentage Rate. Your actual rate and term may vary, depending upon your credit history and other factors. Other conditions, restrictions and credit approval apply.

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 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!

6 Tips for Safer Online Banking

1. Do not reply to any email, text or phone requests asking for your online banking credentials. We will never contact you and ask you to provide this information.
2. Use strong passwords and keep them safe.
3. Don’t use the same password for many accounts.
4. Update anti-virus and spyware software regularly.
5. Protect your wireless network at home and be cautious about the information you access or send from a public wireless network.
6. Monitor your online banking account on a regular basis and contact us immediately at 605-923-1405 or toll-free at 888-923-1400 if you believe that an electronic fund transfer has been made without your permission or if there is suspicious activity on your account. If you notify us promptly your losses may be limited to no more than $50.

We also recommend that our commercial online banking account holders perform a risk assessment and a controls evaluation periodically.

For more information on how to guard your personal information and protect yourself against fraud visit CU*Secure and our Consumer Education site provided by Harland Clarke.

Questions: 

• Need to reactivate your online banking account?
• Forgot your online banking password?
• Need to cancel your online banking services? View the Online Services Cancellation Request Form 

Routing Number: 291479291

2012 Holiday Closings

With interest rates at record lows, now is an excellent opportunity to reduce your monthly mortgage payment.

• Refinance your adjustable rate mortgage and save with today’s low rates.
• Tap the cash equity you’ve built in your home and pay off bills or take that well-deserved vacation.
• Buy the home of your dreams or remodel your current home.

Regardless of your needs, we can help. In a brief, free consultation we can review your current loan program and help you find exactly what you need to reach the financial fitness you desire. With hundreds of different loan programs to offer, we will find just the loan you need.

Send us a message to request your free consultation or call us today at 605-923-1405 or toll-free at 888-923-1400 and learn how Sentinel Federal Credit Union can help you get financially fit.

Home Loans

• First Mortgage Loans
• Refinances
• Residential Lot Loans
• Home Equity & Line of Credit Loans

Financial Fitness 101

• What factors are affecting your credit score?
• How to save for the home of your dreams
• Helpful do’s and don’ts when applying for a mortgage

Calculators

• How much home can I afford?
• Mortgage Payment Calculator
• Comparing mortgages (i.e. 15, 20, 30 year).

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

Activate the Verified by Visa Feature Today
It’s easy and only takes a few moments to activate your card:

• Visa Credit Card
• Visa Debit Card

To learn more, visit www.visa.com/verified. Shop online with Verified by Visa today!

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.
• Shop online with confidence. Use Verified by Visa.
• Debit Card Tips

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 or 888-923-1400
• After Business Hours:
• ATM Cards: 800-472-3272
• Debit Cards: 800-682-6075
• Credit Cards: (Lost/Stolen) 800-543-5073; (Blocked) 866-334-1048

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.
• For your convenience and protection, we have selected CheckProtect® as the preferred, standard delivery for check orders which provides:
• Tamper-evident, polywrap packaging that helps conceal your checks
• Fully-trackable deliveries, so you know where your checks are
• Estimated delivery dates that let you know when to expect your order
• Check orders will be sent to the mailing address on your account. If your name or address has changed since your previous check order, please contact the Credit Union before placing your order.
• Your total will be deducted from your checking account when your order ships.
• Members of our Club accounts receive one free box of standard checks per year. Additional check styles and options are available and the difference 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.

Basic Checking

• 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!)

A dividend-bearing checking account available for our Prime Time Club members:

• $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, 8 a.m. to 5 p.m. MT
• A premium added to certificate rates (excludes specials)
• Discount 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.

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?

Routing Number: 291479291

• Short-term loans start at $200 with a maximum of $1,000
• No credit check or collateral is required
• Up to 28% Annual Percentage Rate
• $20 application fee
• Up to 6 months to pay back your loan
• Available to members of Sentinel Federal Credit Union with an account in good standing that has been open for at least 30 days
• Financial counseling available and encouraged at no additional charge

When you run short on cash, contact us for an affordable, short-term loan. We’ll help you get back on track and save you money.