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Digital Banking Education Center

Resources to help you navigate all of the features of the new online and mobile banking tools.

Welcome to our Education Center! We want your transition to our new digital banking platforms to be easy and seamless. Here you’ll find instructional videos, as well as click through demos of our products and even FAQs. It’s important to us to provide our members with the tools and resources needed to help you feel confident with our digital banking platforms. Take a look around and don’t hesitate to call us if you have questions!


While our platform is mobile optimized, this click-thru demo is not. We recommend using a desktop or tablet device for the best experience of this demo.

Enhancements Coming to Online and Mobile Banking

An Overview of Enhancements that took effect April 2021.

Online Banking

How to log in to the new online banking

Existing online banking users

To log in to the new system use the following information.

  • You will use your existing User ID
  • Your password has been reset to a temporary password

The temporary password will be the last 6 numbers of the primary account holder’s social security number or ITIN associated with the account.

Enrolling as a new user

  • Have your member number and the primary social security number or ITIN associated with the account.
  • You will need additional personal information for security verification.
  • A valid email address and phone number are required to set up online banking.
  • Once you have validated your identity, you will set up your User ID, password, & security questions.

An Introduction to Online Banking

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Online Banking

A quick introduction to our new Online Banking


While our platform is mobile optimized, this click-thru demo is not. We recommend using a desktop or tablet device for the best experience of this demo.

Online Banking Click-Thru

Click-thru and learn the features.

Other features of Online Banking

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Digital Wallets

A quick introduction to Digital Wallets

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External Transfers

A quick introduction to External Transfers

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A quick introduction to eStatements

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Personal Finance Manager

An in-depth guide to Personal Finance Manager

Online Banking FAQs

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

Mobile Banking

Mobile Banking App

ATTENTION: Our mobile banking app icon looks like this one.  If your app does not look like this, you’re likely still trying to use the old version.  You can click on one of these links to find and download our mobile banking app in the Apple AppStore as well as Google Play

PCU Mobile Banking App Icon

An Introduction to Mobile Banking

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Mobile Banking

A quick introduction to our new Mobile Banking


While our platform is mobile optimized, this click-thru demo is not. We recommend using a desktop or tablet device for the best experience of this demo.

Mobile Banking Click-Thru

Click-thru the app and learn the features

Mobile Banking FAQs

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.

Mobile Check Deposits

Mobile Check Deposit

Educational Tips on using Mobile Check Deposit


  • Make sure to endorse the back of your checks with “For PCU Mobile Deposit.”
  • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Flatten folded or crumpled checks before taking your photos.
  • Keep the check within the viewfinder on the camera screen when capturing your photos
  • Try not to get too much of the areas surrounding the check.
  • Take the photos of your check in a well-lit area.
  • Place the check on solid dark background before taking the photo of it.
  • Keep your phone flat and steady above the check when taking your photos.
  • Hold the camera as square to the check as possible to reduce corner to corner skew.
  • Make sure that the entire check image is visible and in focus before submitting your deposit.
  • No shadows across the check
  • All four corners are visible
  • Check is not blurry
  • The MICR line (numbers on the bottom of your check) is readable.
mobile check deposit

Mobile Deposit FAQs

You may mobile deposit up to 10 checks per day, with a daily limit of $5,000, and per item limit of $2,500.

Checks should contain endorsement of all payees listed on the check, and should contain “For PCU Mobile Deposit.”

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 2pm Monday – Friday will post by 5pm the day the check was deposited. Deposits received after 2pm 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

If you are one of the many members that use bill pay to make some or all of your payments, we want to let you know that all of your payees, companies, and bills will all remain the same during this new online banking launch. The bill pay system will remain the same however it will have a fresh new look to match the colors and style of our online banking portal.

All the great features you are familiar with, now available with the convenience of your mobile device.

Simply the best way to manage your payments.

Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.

  • Send Money to Friends and Family. All you need is their email address or cell phone number.
  • Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.
  • Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
  • Receive eBills. Green, more convenient, more secure and easier to manage.
  • Reminders. Receive updates through email when you receive a bill, or when it’s due.
  • Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
  • Search Bill History. Search by company, date and status, the moment you need an answer, wherever you are.
  • Message Center. Get quick answers to questions you might have.
  • Completely safe. More secure than mailing paper checks.
Bill Pay Update

An Introduction to Bill Pay

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Bill Pay

A quick introduction to our new Bill Pay

Bill Pay FAQs

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

Credit Sense

Credit Sense offers members access to their credit score, full credit report, credit monitoring and money saving opportunities; all at no-cost to you and through our convenient online and mobile banking.

  • Start by logging into online or mobile banking.
  • Then click “Check Your Score”
  • Annually, download your full credit report from annualcreditreport.com and read through them carefully. 
  • If you find any mistakes on your credit reports, you should dispute them and we can help. 
  • Continue to monitor your score to ensure you have not been a victim of identity theft.

If you are building your credit toward an 850 score, the best ways to improve your score are to: pay bills on time, use less than 30% of your available credit, and monitor your credit regularly.

iphone with credit sense on screen

An Introduction to Credit Sense

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Credit Sense

A quick introduction to Credit Sense


While our platform is mobile optimized, this click-thru demo is not. We recommend using a desktop or tablet device for the best experience of this demo.

Credit Sense Click-thru

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.


Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.

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A quick introduction to Credit Sense

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 bank2.

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.

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You are about to navigate away from Peninsula CU’s website. Clicking on the link will take you to another website that is not operated by Peninsula Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Peninsula Credit Union’s practices.

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