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Welcome to Caro--Smart Financial Solutions!

CARO Transit and Routing # 253978824
All automatic drafts & direct deposits require your member # including
the 3 digit sub account ID number with no spaces. EX: 12345010

Online Banking Login Changes/Recommendations

1.      There is no longer a site image and secret phrase

2.      We recommend members create a NEW login ID that is different than their assigned member number.

o   To update your log in ID, log into Online Banking

o   Click on "User Profile" then "User Preferences"

o   Under the "Personal Info" section you will see your Login ID, click "Change"

o   Create a new log in ID with at least 6 characters

o   Click "Update"


You will no longer have to enter your log in ID and password on separate windows. Once your log in ID and password have been entered, you will receive your challenge questions. “Login as a different user” will be removed, as it is no longer required. After changing an email address in Online Banking, an email will be sent to both the old email address and the new email address.

Troubleshooting Online Banking Login Issues
Should you have any issues logging into Online Banking, please click here for assistance.

For additional assistance, please email with your member number and any Online Banking service concerns.

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