Digital Banking Education Center

Enroll in online banking today directly from pcfcu.org! To get started, you’ll need your member/account number, access to your email account on file and your mobile device (if applicable).

You can also enroll directly from your mobile device by downloading the app from the Apple or Android stores.

When logging into Home Banking or BillPayer, please enter your User ID. If you’re having trouble logging in, your PIN/Password may need to be reset. Peninsula Online Services uses a built-in security feature that automatically disables your password after three consecutive unsuccessful sign-in attempts. To request a new or updated password, or to have your current password reset, you will need to contact Member Services at 360.426.1601 or 800.426.1601 during normal business hours. For security reasons you will be required to verify your identity when you call. If you are getting a “Server not currently available” message our computer system may be temporarily offline for maintenance. Please try again after 30 minutes or so. We apologize for any inconvenience this may cause you.

Your username for the new system is the same as you have been using, the default password is the last six digits of the primary account holder’s SSN.

Online Banking offers instant access to all of your Peninsula Credit Union accounts 24/7, whether you’re at home, at work, or on vacation.

Use Online Banking to:

• View account balances and history
• Create budgets and track spending
• Transfer money between your accounts
• Review your dividend earnings
• Access your eStatements and eNotices
• View loan account information
• Use Bill Pay to make payments
• Transfer money to any member’s account

Try going through the full desktop version as you may need to change your password.

Your password expires after one year. You will need to utilize the full desktop version in order to reset your password. This can be done by using your phone, tablet or home computer.

The daily check limit is $5,000, 10 checks maximum.

Checks should contain endorsement of all payees listed on the check.

Place the check against a dark background, avoid shadows, and keep the camera at the same angle as the check. Use a well-lit area and keep hands and fingers away from check when capturing the image.

Approved deposits received by 4pm Monday – Friday will post by 5pm the day the check was deposited. Deposits received after 4pm Monday – Friday, Saturday or Sunday will be reviewed and processed the next business day.

The credit union requests that members retain physical checks for a period of 15 days to ensure successful clearing of the item.

Peninsula’s Mobile Deposit service is totally free for members.

If an error has occurred, contact the credit union right away and proper holds can be placed or an adjustment can be made to the account.

• Checks made payable to any person or entity other than you
• Be prohibited by, or received in violation of, any law, rule or regulation
• Be known or suspected (or should of known of suspected) as fraudulent or otherwise authorized by the owner of the account in which the check was drawn
• Has been previously cashed or deposited
• Be postdated or more than six (6) months old
• Be payable to cash
• Be irregular in any way
• Bear a signature of the person on whose account the check is drawn
• Be drawn on financial institutions located outside of the United States

Bill Pay is a service of Peninsula Credit Union that allows you to pay your bills online. You can pay virtually anyone, anytime, anywhere in the United States. Making payments online is one of the most efficient and economical features of Online Banking. It saves you the time of writing checks, trips to the mailbox, and time at the post office. It even saves you the cost of stamps. In addition, you can elect to receive e-Bills from a large number of companies such as major credit cards and wireless phone providers.

You can pay any business or individual that you currently pay by check, your phone bill, loan payments, insurance, and credit cards, even your dentist or daycare center. Please note you cannot pay court-ordered payments or state and federal taxes online at this time.

To access Peninsula’s Bill Payment System, you must have a checking account in order to access Bill Pay. Log on to online banking using your username and password. Then select the “Bill Pay” in the menu at the top. You will then see a “Welcome to Online Bill Pay” screen, read through the Features and Getting Started bullet points, then click “Get Started”. Verify your information and read the Terms and Conditions. If you agree, click “Enroll”.

No, it’s FREE!

The three payment methods are:

• On the payment date you specify, an electronic credit is sent to your biller and an electronic debit is sent to your account. Your account will be electronically debited on your scheduled payment date. This method is used when the company or biller you are paying has an electronic agreement set up with our Bill Pay partner.
• Electronic-to-check payment – A check is drawn on our Bill Pay partner’s account and mailed to your biller several days prior to the payment date you specify. Your account will be electronically debited on your scheduled payment date.
• Laser-printed check – A check, drawn on your account with your account encoding printed on the bottom, is mailed to the biller. Billers receiving laser checks deposit them just like ordinary checks. Your account will be debited as if you had written a personal check, when the biller cashes the check and it is presented for payment.

NOTE: If you are not sure how your biller is going to be paid, plan on the money coming out of your account right away by deducting it from your check register. If your biller received a laser check, the money will not come out of your account until they cash it, however; it would be wise to deduct this amount from your check register right away, similarly to when you write a personal check.

Credit Sense is a comprehensive Credit Score program offered by Peninsula Credit Union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Sense Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

No. Credit Sense is entirely free and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within online banking.

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equaifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No. Checking Credit Sense is a “soft inquiry”, which does not affect your credit score.  Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

No, Peninsula Credit Union uses its own lending criteria for making loan.

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within mintues¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank^2.

You can send money to friends, family and others you trust².

Since money is sent directly from your bank accounts to another person’s bank account within minutes¹, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.