PCU Online Banking
Accessing Personal Credit Union (PCU) Online Banking Service constitutes acceptance of this Online Banking Agreement, the Electronic Funds Transfer Disclosure / Fee Schedule contained and made available on this website and all of the terms and conditions contained in the Important Account Information for Our Members brochure, which is incorporated herein by reference and that was previously provided to you when you opened your account.
Personal Credit Union will allow you access to your credit union accounts through the Internet 24 hours a day, 7 days a week. To sign up for PCU click the Online Banking Login button, register with Safe2Login and select Sign Up Now!
PCU Online Banking Login
With Personal Credit Union you can:
- View account histories
- View check images
- View E-Statements
- Apply for a loan
- Pay monthly bills for FREE through Bill Payer
- Make account transfers (transfer funds within one account and transfer funds between accounts in which you are joint) requires one time set by an Account Specialist.
- Make loan payments (including KSCFCU VISA)
- Send e-mail to KSCFCU
- Withdrawal by check
- Draft stop payments (Refer to Fees and Charges)
- Change your e-mail address
- Change your physical address
- Reset your PCU password
- Order Savings Bonds
How To:
Reset Your Own Password
Remembering Internet passwords can be frustrating. KSCFCU has added a new enhancement to our online banking service that will make it easier if you forget your online banking password.
On the log-in screen, you will notice an underlined link that says: Forget Your Password? You must have already completed the initial setup through Personal Credit Union (PCU) to reset your own password.
To complete the initial setup, log on to PCU, click on Preferences, then Password Reset. Choose from a list of security questions, type in your answer and click save information.
Change Your Address Online
Moving? Make sure you let us know what your new address is by logging on to PCU, click on Preferences, and choose Contact Information. We will even update your VISA information for you.
E-Mail Address
If you change your e-mail address make sure you let us know, especially if you are signed up for E-Statements. We need a current e-mail address to ensure you are receiving E-Statements availability notifications.
You can change your email address yourself in PCU by clicking on the Preferences tab.
Attention KSCFCU Visa Cardholders!
Pay your KSCFCU Visa through one of the following ways:
- Online transfer through PCU
- Telephone transfer through VoiceTouch24
- Payment at any teller window
- Automatic transfer
Your Visa Statement will be enclosed in your Credit Union statement. If you receive E-Statements, your Visa Statement will be available through PCU.
BillPayer
Click on your question:
- What is BillPayer? Return to Top
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BillPayer is a feature connected to our Internet Home Banking service, Personal Credit Union. BillPayer allows you to pay bills (such as electric, phone, water, etc.) online.
- Where can I report a payment that has not posted or a Payee that is not active? Return to Top
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If your payment has not been credited within 3 business days of your payment date or a Payee has not changed from inactive to active within 3 business days of setting it up, you can contact us at (321) 455-9400, ext. 1279 or toll-free 800-662-5257, ext. 1279.
- If I'm trying to pay several accounts (such as a telephone bill) with the same Payee, can I list all the account numbers in the account number field? Return to Top
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No. Each one must be set up as a separate Payee with its complete account number.
- Can I pay my KSCFCU loans through BillPayer? Return to Top
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All KSCFCU loans, including credit cards, should be paid by using the "transfer" button which immediately transfers the funds and pays on the loans. BillPayer would withdraw the funds from your account and send them through BillPayer processing. The payment would not get credited to your loans immediately.
- How soon can I start to make payments? Return to Top
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If your Payee is not on the Master Payee List, or the account number mask and address does not match your Payee, you will need to add the Payee in the "Add Payee" section. Once you have set up a Payee in the "Add Payee" section you will need to wait up to 3 business days before scheduling a payment. This allows our Payment Processor to verify your information. If your Payee is on the Master Payee List or the BillPayer vendor can confirm your information sooner, your Payee may be available much sooner than 3 days. You can watch under the "Payee" section and when a Payee has been verified the status will change from "inactive" to "active". When your Payee is "active", you can then start scheduling payments.
- What if there aren't enough funds available to process my scheduled payment? Return to Top
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If you have funds available by using overdraft protection (same as your share draft overdraft protection), the payment will be processed using these funds. If a transfer from shares is required, you will be charged a $4 overdraft transfer fee. If there are not enough funds available, (Payment History will show a status of "Insufficient Funds") your payment will not be processed and will need to be rescheduled by you for payment on a later date. If you have provided KSCFCU with a valid Internet email address, you will be sent an email concerning this. You should monitor your account available funds on days that you have payments scheduled. Remember, some check and ATM deposits are not available immediately.
- How do I check my payment status? Return to Top
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Click on the "Payment History" in the BillPayer section. Each of your payments will have a "Status". If the payment has an "In Process" status, this means that it has been processed by the Credit Union and is awaiting process by our BillPayer Processor. If your payment has a "Check Sent" or "Electronic Pmt Sent" status, this means the payment has been processed by our BillPayer Processor and sent to your Payee. If your payment has a "Ck Cleared MM/DD/YY" status, this means that the Payee has deposited the check and "MM/DD/YY" is the date the check cleared the BillPayer Processor's bank. Note on electronic Payees, the status will not change from "Electronic Pmt Sent." This is because there is no way to acknowledge the payment has been deposited by the Payee.
- How do I verify that my payment has reached the Payee? Return to Top
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Verify the status of the payment using the "Payment History" section. If the check payment has cleared you will see the date it cleared the BillPayer Processor's bank. If the check payment has not cleared, check your account with the Payee to verify the payment has been posted. Note on electronic Payees, the status will not change from "Electronic Pmt Sent." This is because there is no way to acknowledge the payment has been deposited by the Payee. Some Payees have web sites and automated phone systems to check on a payment status.
- Is there anyone I can't pay using BillPayer? Return to Top
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Our processor does not process payments to Government entities (local, state or federal), Internal Revenue Service, collection agencies, or recipients of court-ordered payments such as child support and alimony. Organizations or individuals with addresses outside of the United States are also excluded.
- Are there any fees for BillPayer? Return to Top
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Effective January 1, 2005, there is no charge for this service.
- Will I need Personal Credit Union to have BillPayer? Return to Top
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Yes, to have the bill payment feature, you will need to have Personal Credit Union and a checking account with KSCFCU.
- How do I sign up for BillPayer? Return to Top
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When you log in to Personal Credit Union, there is a button called "Enroll BillPayer". After clicking that button and agreeing to the disclosure you can then start setting up your Payees. After you have enrolled for the first time you can then access BillPayer by clicking the "==BillPayer==" button on the left of your screen in Personal Credit Union.
- How do I get started using BillPayer? Return to Top
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Once you have enrolled, the first step is to set up your Payees. DO NOT WAIT UNTIL YOU ARE READY TO PAY BILLS. Since the Payee information must be verified by our BillPayer processor, you should setup your Payee information as soon as possible. This will avoid delays when you are ready to pay bills. Since there is no "per item" or "per Payee" charge, the best method is to set them all up.
- How do I set up a Payee? Return to Top
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First, click on the "Payees" button in the BillPayer section of Personal Credit Union. Second, click on the "Find Payee" button to search through our Master Payee List and find a Payee to add to your Personal Payee List. If you do not find the Payee you are looking for in the Master Payee List, try to use variations of the name. For example, for Florida Power and Light, try FPL. If you do not find your Payee, or if you do not find an account mask match, you must "Add a Payee".
- What information do I need to "Add Payee"? Return to Top
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The simplest way is to have your complete bill handy. The information requested will include the Payee name, address the payment should be mailed to, account number with this Payee, phone number for this Payee and the name on your account with this Payee. You will also be required to select a Payee Category. For example, Bell South home phone would be Telephone - Local Carrier.
- What Payment Method does my Payee use? Return to Top
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BillPayer Payees can be paid by either CHECK or ELECTRONIC. To verify which your Payee uses check out the "Payment Method" column in the Payees section.
- What is the difference between a bill paid by "Check" and one paid by "Electronic"? Return to Top
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A "Check" payment is a paper draft sent though the US Mail system. You must allow sufficient time for the Payee to receive this type of payment, just as you would if you were mailing the payment yourself. An "Electronic" payment is sent out electronically and is the most preferred payment method, but some Payees are not able to accept this type of payment. "Electronic" payments usually post quicker than paper draft. When making an electronic payment, you need only concern yourself with the account mask vs. address.
- Is the Payee account number the same for "Check" and "Electronic" when setting up a Payee? Return to Top
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Not always. Some Payees use a different account number than what is shown on your bill if you use an electronic method. If you find the Payee on the master list as an electronic payment, you will need to contact your Payee to identify what account number they will accept electronically. If you do not find your Payee on the list, you can add the Payee and use the account number shown on your bill. The BillPayer processor will contact the Payee to determine if they will accept electronic payments and they will adjust the account number if needed.
- When can I schedule a Payment? Return to Top
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Payments are processed on regular KSCFCU business days, excluding holidays. Any payments scheduled on Saturday, Sunday or a holiday will be processed on the next business day. All payments must be scheduled before 7:00 am each business day, to be processed that day. When submitting payments to electronic merchants, schedule payments at least two days prior to the due date. When submitting payments to paper merchants, schedule payments at least five days prior to the due date. Mortgage payments should be scheduled to be paid on or before the due date. For example, a mortgage payment due on July 1st, with a 15 day grace period, must be scheduled for payment no later than July 1st.
- How do I cancel the BillPayer service if I change my mind? Return to Top
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Since you used the "ENROLL" button to sign up, there is also a "CANCEL" button to cancel this service. However, if you decide at a later date to "ENROLL" again, you will have to wait for your Payee information to be verified, again.
- How do we get more "electronic" Payees? Return to Top
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Talk to your Payees! Ask them if they will accept electronic credit payments. They decide if they will accept electronic credits. Many will do electronic debits but do not accept electronic credits. If you have currently been paying a merchant as "electronic" using the old BillPayer, but it does not appear as electronic on the new system, please send an email to
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
. This email should include the vendor name, vendor address and phone number on your bill.
- Where is the "CANCEL BillPayer" button? Return to Top
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When you first log in to your account you see your accounts and balances. Across the top are several buttons. The last 2 on the right side are "Enroll BillPayer" and "Cancel BillPayer". Some members have been unable to see the "Cancel" button. This is because their PC setting for "area" or "screen area" is less than 800 x 600. If you can not see the "Cancel BillPayer" button, refer to your PC user guide for how to change this setting.
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