Peninsula Credit Union

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PCU Mobile Banking FAQ

Q: What is PCU Mobile or mobile banking?

A: Mobile Banking allows you to check account balances, view transaction history, pay bills, transfer funds, locate ATMs, and find branches on your mobile device. PCU offers three ways to access your account information:  mobile apps, mobile optimized web pages, and text banking.


Q: How do I register for PCU Mobile?

A: If you are registered for Online Banking, no additional registration is required. You will simply need your Online Banking user name and password to login to your accounts through the PCU Mobile app.  If you are not currently registered for Online Banking, please visit our main website here https://www.pcfcu.org  and click “Sign up”.  It will guide you through the registration process.  Once you have a username and password you will be able to sign into PCU Mobile using the same login information.  Online Banking registration is required to use PCU Mobile.


Q: I downloaded PCU Mobile but it said there as an extra setup to complete registration and that I should check my email.  What is this for?

A: This is the One Time Pin (OTP) security measure.  This is in place to help protect your account.  If you see this message when you first log in, check the email you have on file within Online Banking.  The email address will be displayed in the message so you know which email to check.  Follow the instructions in the email and log in again.  You will only need to do this once, after that you log in normally.


Q: What do I enter for “User ID” and “Password”?

A: Your User ID and Password are the same as Online Banking.  You can’t create or change your password in any of the mobile applications or the mobile version of the website.   This is a security feature designed to make the mobile application more secure.  Your password must be established and/or changed using Online Banking.  If you have never used Online Banking please visit our main website here https://www.pcfcu.org  and click “Sign up”.  It will guide you through the registration process.  Once you have a username and password you will be able to sign into PCU Mobile using the same login information.


Q: Where can I download PCU Mobile?

A: For Android based phones and tablets please visit the Google Play Store.  For Apple products such as iPhone and iPad please visit the App Store.  In either case search for “PCU Mobile” and make sure you download the application with the PCU green fern icon.


Q: What equipment do I need to run PCU Mobile?

A:  PCU Mobile runs on iPhone, iPad, and most Android phones and tablets. 


Q:  What if I don’t have an iPhone or Android?

A: If your smart phone or tablet isn’t compatible with the downloadable app, you can still use PCU Mobile through our mobile optimized website.  This is a streamlined website designed to be more useful than a full sized website on the smaller mobile devices.  You can find it by visiting our main website https://www.pcfcu.org with your mobile device.  You will probably be automatically redirected to the mobile website, if not simply click “Mobile Banking”.  Log in using your regular Online Banking username and password.  This mobile optimized website has most of the same functions as the downloadable app.


Q: I don’t have a smart phone at all.  Do you have text banking?

A: Yes!  To use text banking you will first need to visit our mobile optimized website from a smart phone or a regular computer.  You can find it by visiting our main website https://www.pcfcu.org with most web browsers.  If you are not automatically redirected to the mobile website, simply click “Mobile Banking”.  Log in using your Online Banking username and password.  Once logged in you will see a menu item “SMS Settings”.  Select this option and follow the instructions.  For security reasons you can register up to 3 phones but you will only be able to get balance and recent transaction history.  Transfers and bill pay are not available in the text banking system.


Q: How do I use text banking once my phone is registered?

A: Simply send a short text message back to the same number where you received your first text message from PCU.  Available messages include:

  • B = Balance.  PCU will respond with the balance of each account.
  • H = History.  PCU will respond with recent transaction history.
  • Quit = Unregister.  This will remove text banking from your phone.  To start using text banking again, simply reregister.

Q: How do I add a new payee in Bill Pay?

A:  New payees can only be added in Online Banking.  This is a security measure designed to help protect our members.  Please log into Online Banking and add your payee.  New payees will be immediately available in PCU Mobile to schedule payments.


Q: How do I setup recurring payments in Bill Pay?

A: PCU Mobile currently does not support adding recurring payments.  You must set these up in Online Banking.  You will then be able to see your recurring payments in PCU Mobile.  You can delete payments (including recurring payments) or make one-time payment in PCU Mobile.


Q: Can I change how the accounts are displayed in PCU Mobile?

A: Yes.  PCU Mobile uses the same account nicknames used in Online Banking.  Please log into your Online Banking account and update your account nicknames.  You will see the changes in PCU Mobile the next time you log in.


Q: How much transaction history will I see in PCU Mobile?

A: When you access the transaction history screen for the first time you will see 30 days of transactions.  If you need to see more simply scroll to the bottom of the transaction list and click to view more transactions, 90 more days will download.  Repeat for another 90 days up to a maximum of 6 months.


Q: Some of my recent transactions are not visible in PCU Mobile.  What happened to them?

A: Pending transactions are not currently available in PCU Mobile but we are working on it.  For example, if you deposit a check in an ATM there is usually a hold on the check for several days.  You would not see this in the transaction history until the check clears.  However, you will see a difference between your available balance and your ledger balance.  In this example, if your check was for $100 you would see your ledger balance (usually displayed as just “balance”) as $100 higher than your available balance.  Once the check clears the available balance will increase by $100 and the transaction will be shown in the transaction history.


Q: How secure is PCU Mobile?

A: PCU Mobile offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. The same industry standards we have always employed to keep Online Banking secure extend to our Mobile Banking application as well. Read more about how we keep your private banking information secure.


Q: What can I do to protect my security and privacy?

A:  There are some simple steps you should take to ensure the security of your information and protect your privacy when you use PCU Mobile.

  • Download the app from reputable sources only. The iTunes App Store or Google Play for Android are the only legitimate sources to get PCU Mobile.  Even our own website links to one of these sources.
  • Protect your password.  Do not reveal it to anyone.
  • Memorize your password.  Don't keep it stored or written anywhere, especially with your phone.
  • Make it unique.  Truly safe passwords don't incorporate names, phone numbers, addresses, known dates, etc.  Try to make your banking password different than other passwords you use.
  • Never leave your mobile device unattended.
  • Use your phone's built-in lock function.  Set a password-protect for start-up or time-out.

Q: What should I do if I lose my phone?

A:  If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Online Banking user name and password. However, to be safe, you should contact Peninsula Credit Union as soon as possible by calling 360-426-1601.  Our outstanding Member Service Reps can disable the application on your phone just to be safe.


Q: Can I send a secure message using the app?

A: Yes.  Use the “Message” feature in the app to send a secure message to PCU.  Only you and PCU Member Services Representatives will be able to read the message.  This is different than regular email which is not considered secure.  The PCU Mobile “Message” function is encrypted and delivered to PCU via secure methods.  Note: the message feature in Online Banking is no more secure than regular email and should not be used to send sensitive information such as account details.


Q: What should I do if I sell or recycle my phone?

A: If you are a text banking user unregister text banking by sending “quit” as a text message and then delete all text messages relating to PCU before disposing of your phone. Also as an added precaution it would be wise to delete any downloaded banking apps such as PCU Mobile from the phone.


Q: Is there a cost to using PCU Mobile?

A: There is no cost from Peninsula Credit Union for using PCU Mobile. Regular transaction fees associated with your account(s) will apply.  Please visit our terms and conditions page for details (insert link here).  There may be additional data costs related to accessing the mobile app from your mobile device. Please check your wireless plan or verify with your wireless carrier.


Q: What accounts can I access in PCU Mobile?

A: All accounts available in Online Banking are also available in PCU Mobile.  If you have cross accounts established so you can access other account numbers when using Online Banking they will also be available in PCU Mobile.


Q: If I need more help who can I call?

A: Please feel free to contact our Member Services Representatives at 360-426-1601 during our regular business hours.

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Routing Number: 325182344