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Don't forget to download our mobile app for Apple and Android devices...available NOW!

How to sign up for SMARTS/Home Banking & Bill Pay


Be sure you are calling the NEW SMARTS phone number - 1-844-376-2787 or 1-844-3SMARTS.

  1. Call the new SMARTS number
  2. Enter your base account number as login id - this is your FULL ACCOUNT NUMBER
  3. Enter the last 4 of your SSN as your PIN
  4. Follow prompted steps to set up and use SMARTS

TO SIGN UP FOR HOME BANKING/BILLPAY: *previous Home Banking links are now invalid*

  1. Go to www.hrecu.org
  2. Enter the primary members account # into the home banking logon box at the TOP RIGHT of the home page
  3. Enter the last 4 digits of your SSN as your password
  4. Follow the system setup process