PC ACCE$$ is a free service. Our Bill Pay service is also free of charge on all checking accounts. Once activated, you must use Bill Pay at least once per month or your account will be assessed a $5.00 inactive charge on Simply Free, Choice, Freedom Plus and e-Member checking. The fee is waived on Reward and Prestige accounts.
Back to Top
To connect to PC ACCE$$, you will need a personal computer with one of the following configurations:
IBM Compatible Personal Computer
- An Internet connection.
- A browser that is SSL (secure sockets later) enabled and supports frames. Preferably the latest version of Microsoft Internet Explorer, which can be downloaded at http://www.microsoft.com/downloads. Other browsers may not be compatible with PC ACCE$$.
Apple Macintosh Computer
- An internet connection.
- A browser that is SSL (secure sockets later) enabled and that supports frames. Preferably the latest version of whichever you choose. Please note that all features within PC ACCE$$ are not fully supported by Macintosh browsers.
Back to Top
If you are NOT locked out of PC ACCE$$, login and click "More Features." Then click "Change Password." If you are locked out, call PCU at 651-770-7000 or 800-247-0857 during normal business hours. For more information about logging into PC ACCE$$, view our Secure Login FAQs.
Back to Top
PC ACCE$$ is typically available 23.75 hours a day, 365 days a year. Once per day, it is down during end-of-day processing. This period of downtime usually lasts no more than 15 minutes and occurs Monday – Friday, between 6:30 p.m. and 7:00 p.m., and Saturday, between 1:30 p.m. and 2:30 p.m.
At the end of each month, PCU performs an additional three hours of maintenance. There may be other periods of downtime due to system upgrades or technical problems.
Back to Top
PCU has taken many steps to ensure that your financial transactions are secure when you enter PC ACCE$$. The two most important security features of PC ACCE$$ Online Banking are your SSL (secure sockets layer) enabled browser and the Secure Login Process.
SSL Enabled Browsers:
Your SSL enabled browser contains the necessary encryption algorithms to "scramble" the information that is transmitted between you and PCU's computer system. This ensures the confidentiality of information you submit electronically. For this reason, we recommend that you use the most recent versions of Internet Explorer.
Secure Login Process:
Secure Login (commonly known as Multi-Factor Authentication) is a process that requires you to enter more than a simple user ID and password to log into PC ACCE$$. 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$$ has additional features that enhance the security of the system. When you perform a transaction involving a fee or transfer of funds, PC ACCE$$ will require you to re-enter your password. Thus, no one else can perform these functions without knowing your password.
In addition, we recommend you always log out of PC ACCE$$ before leaving your computer. There is a time-out feature that will log you off after 10 minutes of inactivity, but it is still best to close PC ACCE$$ as soon as you're done using it.
Back to Top
The information available to you through PC ACCE$$ is the exact information stored on our computer system. It is the same account information you would receive if you inquired about your accounts in a branch or by phone.
Back to Top
Anytime you perform a transaction that involves a fee, a confirmation screen will notify you before proceeding. For security purposes, before transactions are performed that involve a fee or transfer of money, you will also be prompted to enter your password a second time.
Back to Top
Yes! Bill Pay allows you to do this. It's very easy to set up, and works great. Learn more about Bill Pay and view frequently asked questions.
Back to Top
Q. Can I download my account history?
Yes, you can download your account history into money management software programs. You'll need one of the following programs: Intuit Quicken or Excel. PCU fully supports Intuit Quicken programs that are two years old or less.
Other software programs that support .ofc (Open Financial Connectivity) or .qif (Quicken Interchange Format) import file formats may work; however, we recommend using the above mentioned programs for optimal use.
To access this feature, log on to PC ACCE$$, click on "Accounts", and then click "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$$ Online Banking, but you can through our website. Learn more about applying for a loan online.
Back to Top
Yes, you can open most Savings Accounts and Certificates of Deposit through PC ACCE$$ 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$$ Online Banking Contact Us Form and we'll contact you regarding your issue.
Back to Top
There are a few factors that determine how fast PC ACCE$$ 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$$ Online Banking system offline for routine maintenance, software upgrades, and other system work. It's a rare occurrence, but when it does happen, you'll get this message. Sometimes it will be unavailable for a few minutes, other times for longer stretches. In these instances, try back in a minute or two. If you continue to get the same message, try again in 10 minutes. If PC ACCE$$ is still unavailable, please use PAL to perform transactions.
Back to Top
As a security feature, PC ACCE$$ Online Banking automatically signs off after ten minutes of inactivity. When this happens, you'll get a message that reads "Your connection has expired."
To make this security feature work, PC ACCE$$ puts small temporary files known as "cookies" onto your computer's hard drive. These cookies regulate the inactivity timer. If your browser warns you before accepting cookies, and you do not accept them, the timer may not work correctly. Thus, your session may expire before ten minutes of non-use.
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$$. The act of restarting your browser should free up some memory.
Back to Top
Whenever you make a PC ACCE$$ transaction, it takes effect immediately and should be reflected in the available balances reported for your account(s). 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. After that time, the transaction(s) will appear in your account transaction history.
Back to Top
In using PC ACCE$$, you may notice your "Balance" amount is different than the "Available" amount. This is usually a result of recent Global Access Card transactions (see next paragraph). Other reasons may be check deposit holds and holds for certified checks.
When you make a Global Access Card purchase, the Visa network requests an authorization from us for the amount of the purchase.* At this point the actual transaction has not posted to your account, but instead a hold is placed on your funds in the amount of the authorization until the transaction is actually posted. This hold will be released when the transaction is posted to your account.
* Note: The amount of the hold may not always equal the amount of the purchase (i.e. gasoline pump purchases may get an authorization for $1.00, but will post for the actual purchase amount). Also, certain transactions may get an authorization for more than the actual purchase amount (i.e. restaurants sometimes run an authorization prior to the amount you enter as a gratuity. The gratuity is "guessed" by the authorizer).
Back to Top
Q. I get is a blank or incomplete screen when I check my account history. Why?
Your browser comes with a cache, or temporary storage place. Images and text from Web pages you visit are stored on your hard drive for fast reloading when you return to them while you're still logged on. When the cache fills up, performance can slow down. If you empty your cache, your browser should pull in the information correctly again.
Back to Top
In order to maintain the appropriate security integrity PC ACCE$$ 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
|
