PC ACCE$$ Online Banking is a free service. Our Bill Pay service is also free of charge on all checking accounts. Once activated, you must use Bill Pay at least once per month or your account will be assessed a $5.00 inactive charge on Simply Free, Choice, Freedom Plus and e-Member checking. The fee is waived on Reward and Prestige accounts.
Back to Top
To connect to PC ACCE$$ Online Banking, you will need a personal computer with one of the following minimum configurations:
IBM Compatible Personal Computer
- An IBM compatible personal computer with at least a 486/33 MHz processor.
- A modem capable of at least 28,800 (28.8K) bits per second (bps). We recommend that you use a modem of 56,000 (56K).
- Microsoft Windows 95 or newer operating system.
- A copy of a browser that is SSL (secure sockets later) enabled and that supports frames. If you have a question as to whether or not your browser is SSL enabled or supports frames, contact the browser's manufacturer.
Apple Macintosh Computer
- An Apple Macintosh computer running the 7.0 or greater version of the Macintosh operating system.
- A modem capable of at least 28,800 (28.8K) bits per second (bps). We recommend that you use a modem of 56,000 (56K).
- A copy of a browser that is SSL (secure sockets later) enabled and that supports frames, such as Netscape Navigator version 3.0 or greater, or Microsoft Internet Explorer version 3.02 or greater. If you have a question as to whether or not your browser is SSL enabled or supports frames, contact the browser's manufacturer.
Back to Top
Q. Where can I find disclosure information regarding PC ACCE$$?
Postal Credit Union's disclosure statement is located here: PC ACCE$$ Disclosure
Back to Top
If you are NOT locked out of PC ACCE$$, login and click on "More Features." Then click on "Change Password" and enter your current Password followed by your new Password twice. If you are locked out of PC ACCE$$, please call PCU at 651-770-7000 or 800-247-0857 during normal business hours and we can reset it for you. For more information about logging into PC ACCE$$, view our Secure Login FAQs.
Back to Top
PC ACCE$$ Online Banking is available 23.75 hours a day, 365 days a year. Once per day, PC ACCE$$ Online Banking will be brought down during our end-of-day processing cycle. This period of downtime usually lasts for no more than 15 minutes and occurs somewhere between 7:00 p.m. and 9:00 p.m., Monday through Friday, between 3:00 p.m. and 5:00 p.m. on Saturdays. In addition to these scheduled periods of downtime, there may be other, unscheduled, periods of downtime due to technical problems or non-routine maintenance.
Back to Top
PCU has taken many steps to ensure that your financial transactions are secure when you enter PC ACCE$$ Online Banking through the Internet. The two most important security features of PC ACCE$$ Online Banking are your SSL (secure sockets layer) enabled browser and the Secure Login Process.
SSL Enabled Browsers:
Your SSL enabled browser contains the necessary encryption algorithms to "scramble" the information that is transmitted between you and the Postal CU computer system. This ensures the confidentiality of information you submit electronically. For this reason, we recommend that you use the most recent versions of Netscape Navigator or Internet Explorer.
Secure Login Process:
Secure Login (commonly known as Multi-Factor Authentication) is a process that requires you to enter more than a simple user ID and password before entering PC ACCE$$. This process makes it exponentially more difficult for computer hackers to access your accounts. Thus, you can rest assured your money and financial information is safe.
Other Security Features:
PC ACCE$$ Online Banking also has some other features that enhance the security of the system. Any time that you perform a transaction involving a fee or transfer/withdrawal of funds, PC ACCE$$ Online Banking will require you to enter your password a second time. This ensures that if you leave your computer unattended without signing off, no one else can perform these functions without knowing your password. However, we recommend that you always click the "Goodbye" button and sign off before leaving your computer. There is also a time-out feature on PC ACCE$$ Online Banking. If there is no interaction between your computer and the PC ACCE$$ Online Banking computer after 10 minutes, you will automatically be logged off.
Back to Top
For security purposes, the PC ACCE$$ Online Banking system requires that your web browser support Secure Sockets Layer (SSL). We recommend that you use the most currently available versions of browsers. Browsers that are SSL enabled contain the necessary encryption algorithms to "scramble" the information that is transmitted between you and the credit union computer system. This ensures the confidentiality of information you submit or receive electronically.
To download the latest copy of the browser of your choice follow one of the links below:
http://www.microsoft.com/downloads
http://www.netscape.com/download
Back to Top
The information available to you through PC ACCE$$ Online Banking is the exact information stored on our computer system at the time you sign-on to PC ACCE$$ Online Banking. The information you receive through PC ACCE$$ Online Banking is the same account information you would receive if you inquired about your accounts in a branch or through PAL.
Back to Top
Anytime you perform a transaction which will involve a fee a confirmation screen will come up and you will be informed of the fee and given a choice to cancel the transaction or proceed by entering your password. This is another security feature - anytime a transaction is performed that involves a fee or transferring money, PC ACCE$$ Online Banking will require you to enter your password a second time. If you were to walk away from your computer while online, and someone else stepped up to it, they couldn't perform any transactions without knowing your password. However, we recommend that you always click the "Sign-Off" button and log off before leaving your computer.
Back to Top
Yes! Bill Pay allows you to do this. It's very easy to set up, and works great. Learn more about Bill Pay and view frequently asked questions.
Back to Top
Yes! To use this feature, you need one of the following programs: Microsoft Money, versions 98 or newer; Intuit Quicken 99 or newer; or Excel. Other software programs that support .ofc (Open Financial Connectivity) or .qif (Quicken Interchange Format) import file formats may also work; however, we recommend using the above mentioned programs for optimal use.
To access this feature, log-on to PC ACCE$$ Online Banking, click on "Accounts", and then click on "View History" of the account(s) you wish to download. A download button will appear at the top of the page. Next, simply click on the button and follow the step-by-step instructions.
Back to Top
You can't apply for a loan through PC ACCE$$ Online Banking, but you can through our website. Learn more about applying for a loan online.
Back to Top
Yes, you can open most savings and investment accounts through PC ACCE$$ Online Banking.
Back to Top
You can view and print your check images FREE through PC ACCE$$! To see a check that recently cleared, simply click on "Accounts" and then on your checking account. Then click the "View Check" button adjacent to the check number you wish to see.
To view an older check that is no longer in your current transaction history, click "Accounts" and then "Cleared Checks." Then enter the appropriate information in the search window.
Back to Top
What's wrong? There are a few possibilities:
1. You may be locked out - As a security precaution, PC ACCE$$ Online Banking locks out users who fail to successfully sign on after three consecutive attempts for a period of 24 hours. Please call PCU during business hours if you've received a message that you've exceeded the maximum password violations allowed.
2. We may be running our end-of-day process - Every business day, we perform routine maintenance. Please see FAQ above for more information.
3. Other Possibilities - If you still can't get past the login screen, contact your Internet Provider, PCU or complete the PC ACCE$$ Online Banking Contact Us Form and we'll contact you regarding your issue.
Back to Top
There are a few factors which determine how fast PC ACCE$$ Online Banking loads and processes. These factors include the amount of network traffic on your Internet Service Provider, the speed at which your modem connects and the system resources available in your computer (i.e. memory and processor speed).
Back to Top
From time to time, PCU must take the PC ACCE$$ Online Banking system offline for routine maintenance, software upgrades, and other system work. It's a rare occurrence, but when it does happen, you'll get this message. Sometimes PC ACCE$$ Online Banking will be unavailable for only a few minutes, other times for longer stretches. In these instances, try back in a minute or two. If you continue to get the same message, try again in 10 minutes. If PC ACCE$$ Online Banking is still unavailable, please use PAL to perform whatever transaction you need to accomplish. Of course, we plan to keep downtime as infrequent as possible.
Back to Top
As a security feature, PC ACCE$$ Online Banking automatically signs you off after a period of 10 minutes of inactivity. When this happens, you'll get a message that informs you "Your connection has expired." This message has been known to appear well before the 10 minute inactivity limit due to PC ACCE$$ Online Banking's need to deposit small temporary files known as "cookies" onto your computer's hard drive. Among other functions, these cookies regulate PC ACCE$$ Online Banking's inactivity timer. If you configure your browser to warn before accepting cookies, and you do not accept them, the timer doesn't work as intended and the "connection expired" message often appears.
All you need to do is to sign back onto PC ACCE$$ Online Banking, and when you get the warning asking whether you would like to accept a cookie, accept it. This should prevent the "connection expired" message from occurring unexpectedly.
Back to Top
You may get this error while using PC ACCE$$ Online Banking. It most often occurs when the software programs you are running put heavy demands on your computer's memory. Your only option is to close down your browser, restart it, and return to PC ACCE$$ Online Banking. The act of restarting your browser should free up some memory, giving you a fairly clean slate with which to re-enter PC ACCE$$ Online Banking.
Back to Top
Whenever you make a PC ACCE$$ Online Banking transaction, that transaction takes effect immediately and should be reflected in the available balances reported for your accounts. When the transaction takes place during our normal business hours, our computer system also updates the transaction history for your accounts. But after 7 PM and on weekends when PCU is closed, the history update may not be performed immediately; it is updated in the morning of the following business day when we process overnight/weekend items. After that time, the transactions will appear in your account transaction history.
Back to Top
In using PC ACCE$$ Online Banking, you may notice your "Balance" amount is different than the "Available" amount. This is usually a result of recent Global Access Card transactions. (Other reasons for differences may be check deposit holds and holds for certified checks.) When you make a Global Access Card purchase, the VISA network requests an authorization from us for the amount of the purchase*. At this point the actual transaction has not posted to your account, but instead a hold is placed on your funds in the amount of the authorization until the transaction is actually posted. This hold will be released when the transaction is posted to your account.
Note: The amount of the hold may not always equal the amount of the purchase (i.e. gasoline pump purchases may get an authorization for $1.00, but will post for the actual purchase amount). Also, certain transactions may get an authorization for more than the actual purchase amount (i.e. restaurants typically run an authorization prior to the amount you enter as a gratuity. The gratuity is "guessed" by the authorizer).
Back to Top
Q. All I get is a blank or incomplete screen when I check my account history. Why?
Your browser comes with a cache, or temporary storage place. Images and text from Web pages you visit are stored on your hard drive for fast reloading when you return to them while you're still logged on. When the cache fills up, performance can slow down. If you empty your cache, your browser should pull in the information correctly again.
Back to Top
This happens sometimes for users of Internet Explorer (and also AOL, since AOL uses Internet Explorer). We have found there are a few settings you need to make sure are enabled.
Go to the "Tools" menu, then "Internet Options", then "Advanced". Then, scroll down and make sure that PCT1.0, TLS 1.0, SSL2.0 and SSL3.0 are checked. Also, check to make sure cookies are enabled.
Back to Top
In order to maintain the appropriate security integrity PC ACCE$$ Online Banking is set at 128-bit Cipher Strength. If your browser is set at a lower security level, you will not be able to view or be able to log in to the Member Login secure pages. We recommend that you use the most currently available versions of browsers. These new browser versions contain the necessary encryption algorithms to "scramble" the information that is transmitted between you and the credit union computer system. This ensures the confidentiality of information you submit or receive electronically.
Back to Top | 
