Frequently Asked Questions (FAQs)

To earn the dividends associated with a specific tier, your balance must reach the minimum balance requirement of that tier. Dividends are calculated on actual daily balances. If your daily account balance falls below $500, you won't earn dividends until your daily balance again reaches $500. Dividend rates are declared monthly, compounded daily, and paid monthly into money market accounts.

If your daily account balance falls below $500, you won't earn dividends until your daily balance again reaches $500.

If your balance falls below the minimum of a tier, you’ll earn dividends at the rate of the tier that matches your account balance. For example, if you move from the third tier to the second tier, you’ll earn dividends at the rate associated with each tier for the days that your balance fell within those tiers.

It depends on whether your IRA is a share or certificate account. If you have an IRA share, you can add money to your account whenever you like, up to your personal IRA contribution limits. If you’re unsure about your contribution limits, check with your tax or financial advisor.

If you have an IRA certificate, once you open the certificate, you can’t add money to it until its term ends. However, you can preschedule a transfer, so you automatically add money to the certificate as soon as it “matures” (its term ends). You have a 10-day grace period after your certificate matures to add money or transfer your balance to another account. After the 10 days, we’ll automatically re-deposit your balance into another certificate of the same term.

In all cases, it’s your responsibility to make sure you don’t deposit more into your IRA accounts than the current tax law and your personal income limits allow. If you’re unsure about your contribution limits, check with your tax or financial advisor.

It depends on whether your Coverdell ESA is a savings or certificate account. If it’s a savings share, you can add money to the account whenever you like. Your beneficiary is eligible to receive a total of $2,000 in Coverdell account contributions each year, from all sources.

If you have a Coverdell ESA share certificate, once you open the certificate, you can’t add money to it until its term ends. However, you can preschedule a transfer, so you automatically add money to the certificate as soon as it “matures” (its term ends). You have a 10-day grace period after your certificate matures to add money to it or transfer your balance to another account. After the 10 days, we’ll automatically re-deposit your balance into another certificate of the same term.

If you open an IRA share, there’s no minimum balance on this account.* If you open an IRA share certificate, you can open an account with just $500, no matter which term you choose (from 3 to 60 months).

*If you’re a new PSECU member, you’ll need to deposit a $5 minimum deposit in a Regular Savings Share Account (S1) to create and retain your membership.

If you open a Coverdell ESA savings share, there’s no minimum balance on this account.* If you open an IRA share certificate, you can open an account with just $500, no matter which term you choose (from 3 to 60 months).

*If you’re a new PSECU member, you’ll need to deposit a $5 minimum deposit in a Regular Savings Share Account (S1) to create and retain your membership.

You can:

• Directly transfer IRA funds from one financial institution to another
• Rollover IRA funds from another IRA or qualified plan
• Make one-time distributions (withdrawals) or automatic distributions (withdrawals)
• Convert Traditional IRA funds to Roth IRA funds (but this may require opening a new account)
• Recharacterize (change) a contribution (Traditional to Roth or Roth to Traditional)

For any changes to your existing IRA, contact us or log into your PSECU account.

Annual contributions can be withdrawn at any time without IRS penalty. In order to withdraw earnings tax and IRS penalty free, the Roth IRA must be open for 5 years and the withdrawal must be made for one of the following reasons: age 59 1/2, death, disability, or a first home purchase.

Stop by our Financial Education Center on campus or call 1.800.237.7328 to request an application.

It may be helpful for your sender to speak to the International Banking staff at their financial institution when making their request to ensure that the request is fully understood. This could be a specialist, a head teller or even a bank manager.
The following information should be provided to the sending bank for accurate routing to your PSECU account.

• PSECU's SWIFT number: PSEMUS31
• Clearing Code*: FW231381116
• Beneficiary Bank Name: PA State Emp CU, Harrisburg PA
• Beneficiary Account Number: Your 10-digit PSECU checking account number - found on your PSECU Checks - or your PSECU member account number
• Beneficiary Name & Address: Your name and address as it appears on your PSECU account

* This is optional information that may be helpful to some sending institutions.
Note: Wires must be in U.S. dollars.
PSECU's experienced Wire Transfer Analysts are ready to answer your questions and assist you with your Wire Transfer needs. Simply email us through online banking or call us at 800.237.7328, extension 3868. Our Analysts are available Monday through Friday, 8 a.m. to 4 p.m. (ET).

To transact internationally, you may elect to have the authorized receiver set up an ACH debit to remove money from your PSECU account. For security purposes, do not share your personal information with anyone who is not authorized to access your account.
To receive an ACH debit from your PSECU account, the sender will need the following information:

• PSECU's ABA/Routing Transit number: 231381116
• Your PSECU Checking Account Number: As it appears on the bottom of your PSECU checks. This is a 10-digit number and leading zeroes must be included.
• Your PSECU Member Number for Savings debits: This is a 10-digit number and must include any leading zeroes.

Additionally, you may request a money transfer service such as Western Union Online FX, MoneyGram or other such services to perform the International Wire Transfer*. To fund the transfer, the service provider may either electronically debit your PSECU account or you may elect for PSECU to wire funds to the service provider. All wires to service providers must be to domestic institutions only.

* Funds must be on deposit in your PSECU account for 4 full business days before they may be wired. Funds deposited by Direct Deposit or incoming wire transfer are not subject to the 4-day restriction.

No, not all ATMs accept deposits. Some are withdrawal only ATMs, which means you can take cash out, but not deposit it. Others may only allow deposits from individuals with accounts at that financial institution. You can find ATMs that allow withdrawals and/or deposits at the locator above.

You can deposit into any ATM that accepts deposits. Please note, however, that if you're using a non-PSECU ATM and a deposit option doesn't display on the screen after you insert your card, the ATM owner doesn't participate in deposit sharing, which means you cannot deposit into your PSECU account from that ATM. If the machine does accept deposits, simply follow the instructions as they appear on the ATM screen. We recommend selecting Yes when asked about receiving a receipt.

You must sign up for Direct Deposit through your payroll office or other depositing institutions (government checks, for example).

To complete a Direct Deposit form, you'll need your PSECU ten-digit account number and our ABA/Transit Routing Number – 231381116.

New members – Please wait to receive your Welcome packet before you sign up for Direct Deposit. Receipt of the packet signals that your account is active and ready for your use.

Foreign checks and foreign money orders cannot be deposited using an ATM or Mobile Banking. Any check issued to you by a financial institution in another country should be mailed to:

PSECU Payments Unit
P.O. Box 67013
Harrisburg, PA 17106-7013

The rewards calculated from the previous statement period will post to your Regular share on the first day of the following month. You do not have to manually redeem your rewards.

You can deposit money to your savings account four different ways:

• Deposit funds at an ATM that accept deposits. Search for an ATM near you.
• Make a mobile deposit using your smartphone and our mobile app.
• Set up Direct Deposit or Payroll Deposit so money is deposited automatically to your savings account. Get more information on Direct and Payroll Deposit.
• Mail in your deposit to: PSECU P.O. Box 67012 Harrisburg, PA 17106-7012. Log into your account to request deposit slips.

You have many deposit options with PSECU.

Mobile Deposit - Deposit checks securely through our mobile app. Simply log in and select Deposits, endorse your check, and follow the on-screen prompts.

Direct Deposit / Payroll Deduction - There is no cost and your pay (or a portion of your pay) is deposited on the morning you get paid. Talk to your employer about getting started. PSECU's routing transit number is 231381116.

Direct Payment - You may have funds electronically transferred from another financial institution to make automatic loan payments. There is no charge for this service. Ask for a PSECU Direct Payment Authorization form to get started. PSECU's routing transit number is 231381116.

ATM Deposits - Use a depository ATM to deposit funds.

Mail Deposits - Mail deposits with a PSECU deposit slip indicating where you want the funds deposited. To request deposit slips, log into your account at psecu.com, and click "Apps and Forms" under Quick Links.

Mail Deposits & Loan Payments to:
PSECU
P.O. Box 67012
Harrisburg, PA 17106-7012

Counter Deposits - Deposits may be made to any share in any amount by cash, check or other item for deposit at our main office or our Strawberry Square Service Center.

If you have any questions, please contact us.

PSECU only acts as a receiver of your transactions from other companies and does not have the ability to know when an item may be arriving for you. You should contact the company that is initiating your transaction and ask for specific posting times as well as dollar amounts. Once the item does arrive at PSECU, we will post it before 8 a.m. on the date specified by the company.

Your PSECU Shares, Money Markets and Certificates are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. In addition to the $250,000 of insurance provided on an individual account or combination of individual accounts, you are also insured up to $250,000 for any combination of accounts you may hold jointly with other individuals.

IRAs are insured separately from other PSECU shares. Traditional and Roth IRAs are insured up to $250,000.

Our One-time Online Loan Payment Service allows you to make quick, one-time payments from another financial institution. This type of payment can be done using your computer, tablet, or smartphone. To use one-time payments, you’ll need to provide the routing number and account number for your other financial institution. This information can typically be found at the bottom of your checks. Your financial institution can also provide this information to you.

Our ABA Routing / Transit number is 231381116.

Check your account history. If you paid it twice you will see two bill payer payments on your history.

At this time, credit card and debit card payments are not accepted in the one-time payment service system. We encourage you to sign up for digital banking to use other payment options.

You will need to delete the current bill and re-add it with the new address.

Your payment is made by one of two methods:

Electronic payment – An electronic transfer from your Checking (S4) account to the Payee/Merchant account is made on the payment date you specify. Please allow at least three business days for the Payee/Merchant to receive your payment.

Check payment – A paper check is mailed to the Payee/Merchant.The Payee/Merchant handles the payment as a regular paper check. Please allow at least 5-10 business days business days for the Payee/Merchant to receive your payment.

You can tell how your bill was sent by noting the symbol for paper checks or for electronic bill (e-bill) payments on your bill payer listing.

To discontinue a direct debit or automatic payment, you must contact the company that is sending the item and request that they discontinue the process. They may require the request to be received within a specific timeframe. You must comply with their request to have the debit/payment discontinued. PSECU cannot stop the process on your behalf.

Once you’ve fully complied and completed all necessary steps in the company’s discontinuation process, you must monitor your account one full billing cycle to be sure the company has successfully completed their end of the process. If the transaction still processes after you’ve waited the required timeframe, please immediately contact PSECU to discuss the issue at 800.237.7328, extension 2530.

Please check your payment information and notify your Payee/Merchant of the situation. If your information is correct and it has been at least 15 business days since the payment was sent, you may consider a stop payment if the item was a paper check. If the item was electronic, please contact us.

Once you have requested it, it can take up to three days to be added to our list. Search for it again. If you don't see it, please call us.

Your payment from an external account will post to your PSECU loan on the day it was scheduled between 8 p.m. and midnight. PSECU loan payments scheduled prior to 8 p.m. for the current day from an external account will be credited to your PSECU loan that same day, even on weekends and holidays. After 8 p.m., you may schedule your payment to be posted on the following day at the earliest, even on weekends and holidays.

The setup of a recurring payment from external accounts are not permitted on Visa^®s or past-due loans. In regards to past-due loans, with the exception of Visa^®s, once they are brought current, you may setup a recurring payment from an external account transfer.

Replacing a current payment method on a loan requires the setup of a recurring payment. The setup of recurring payments from external accounts are not permitted on Visa^®s or past-due loans. In regards to past-due loans, with the exception of Visa^®s, once they are brought current, you may replace its current payment method with a recurring external account transfer.

If the member you transferred the money to has not claimed the funds, you can cancel the transfer.

PSECU offers same day and next day domestic wire transfers from your PSECU account, Monday through Friday. There is a $10 charge for each transfer made. A domestic wire transfer is defined as using only financial institutions within the U.S. banking system to send to Recipient or Beneficiary accounts held within the U.S. and their territories.

Funds transfers are available on sole proprietorship accounts only. There is no legal separation from the individual and the business in this entity type. Other entity types have different levels of separation and liability between the person and the business, therefore we do not allow such transfers to occur.

Select Transfers, then select External Accounts. Select the external account that you need to verify, and then select Verify Account. Enter the amount that was deposited to your account at your other financial institution and follow the screen prompts. Once you add your external account and complete verify the account, you will not need to do it again, unless you remove the external account and want to add it back again.

If you enter the wrong amount when verifying your external account, the screen displays a message, “The deposit verification process is currently locked on your account." You will need to call us to resolve the issue.

You can use your external account to pay all loans you have at PSECU, except a mortgage. You can schedule a recurring transfer from your external account to your PSECU loans except for Visa^®s or past-due loans. In regards to past-due loans, with the exception of Visa^®s, once they are brought current, you may setup a recurring payment from an external account transfer. You cannot schedule a recurring transfer from your external account to a Visa^® loan. To set up an automatic transfer for your loan, please call us.

Your payment from an external account will post to your PSECU loan on the day it was scheduled between 8 p.m. and midnight. PSECU loan payments scheduled prior to 8 p.m. for the current day from an external account will be credited to your PSECU loan that same day, even on weekends and holidays. After 8 p.m., you may schedule your payment to be posted on the following day at the earliest, even on weekends and holidays.

Replacing a current payment method on a loan requires the setup of a recurring payment. The setup of recurring payments from external accounts are not permitted on Visa^®s or past-due loans. In regards to past-due loans, with the exception of Visa^®s, once they are brought current, you may replace its current payment method with a recurring external account transfer.

To transact internationally, you may elect to have the authorized receiver set up an ACH debit to remove money from your PSECU account. For security purposes, do not share your personal information with anyone who is not authorized to access your account. Additionally, you may request a money transfer service such as Western Union Online FX, MoneyGram or other such services to perform the International Wire Transfer*. To fund the transfer, the service provider may either electronically debit your PSECU account or you may elect for PSECU to wire funds to the service provider. All wires to service providers must be to domestic institutions only. * Funds must be on deposit in your PSECU account for 4 full business days before they may be wired. Funds deposited by Direct Deposit or incoming wire transfer are not subject to the 4-day restriction.

PSECU's ABA/Routing Transit number: 231381116 Your PSECU Checking Account Number: As it appears on the bottom of your PSECU checks. This is a 10-digit number and leading zeroes must be included. Your PSECU Member Number for Savings debits: This is a 10-digit number and must include any leading zeroes.

It may be helpful for your sender to speak to the International Banking staff at their financial institution when making their request to ensure that the request is fully understood. This could be a specialist, a head teller or even a bank manager. The following information should be provided to the sending bank for accurate routing to your PSECU account. - PSECU's SWIFT number: PSEMUS31 - Clearing Code*: FW231381116 - Beneficiary Bank Name: PA State Emp CU, Harrisburg PA - Beneficiary Account Number: Your 10-digit PSECU checking account number - found on your PSECU Checks - or your PSECU member account number - Beneficiary Name & Address: Your name and address as it appears on your PSECU account This is optional information that may be helpful to some sending institutions. Note: Wires must be in U.S. dollars.

For 61- to 72-month loans, the minimum amount financed must be at least $12,000. For 73- to 84-month loans, the minimum amount financed must be at least $20,000.

Dealers should list PSECU on the title at this address:

Pennsylvania State Employees Credit Union
P.O. Box 67013
Harrisburg, PA 17106-7013

There are no PSECU application fees for equity loans, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a Notary Public. You may also incur fees if the Real Estate Equity Loan is being used to purchase land that will be used to build your primary residence. (PSECU requires property insurance.) For information on this type of equity, please call 800.237.7328, extension 3817. Late fees may apply.

You may refinance your Real Estate Equity Loan, Home Equity Line of Credit or HELOC Plus by applying online. If you’re refinancing a Real Estate Equity Loan with a new one, you’re required to borrow an additional $5,000 above your current equity loan balance.

You have two options:

1. Log into online banking, click on "Transfer," and transfer funds from your line of credit to your desired share.
2. Speak to a Member Service Representative by calling 800.237.7328 Monday through Friday 8 a.m. to 6 p.m., and Saturday, 9 a.m. to 5 p.m. (ET).

After you submit your mortgage application, a PSECU mortgage specialist will review your application. We’ll answer any questions you may have and, if qualified, provide you with a preapproval letter if you’re purchasing a home. The preapproval letter lets you know exactly how much house you can afford and helps you make a strong bid to the seller.

Once you find the right house and go under contract, we can move forward in the loan process. At this time, you provide more detailed financial information. Through the process, our underwriters will carefully review your loan. After closing, we’ll service your loan through the life of your mortgage. If you are choosing to refinance your mortgage with PSECU, the process is very similar, except you won’t receive a preapproval letter. On average, it takes 45 - 60 days from application date to closing date.

We offer jumbo 1-year Adjustable Rate Mortgages (ARMs) of $484,351 to $1 million at a low start rate. Caps are 1/5, which means your interest rate will not adjust more than 1% up or down per year. The rate will adjust no more than 5% up or down over the life of the loan. Contact us to discuss your specific situation. Our jumbo loans have a few qualifications. The property must be: - Located in Pennsylvania - 1- to 4-unit dwelling - Primarily used by the borrower (not an investment property) - Titled in the name(s) of individual(s). Living trusts are not acceptable.

We will finance properties that are:

• Located in the state of Pennsylvania
• Recorded with PSECU listed as first lien holder. The property secures your mortgage loan.
• Titled after purchase in the name(s) of individual(s), not a trust
• Owner-occupied homes, vacation homes, or residential non-owner occupied properties with one, two, three, or four units. Some exceptions apply.
• Condominiums or residences within a Planned Unit Development (PUD) that meet certain criteria. Please contact our mortgage consultants for more information.

We will not finance properties that are:

• Single-wide manufactured homes
• Timeshares
• Not in acceptable marketable condition
• Non-owner-occupied condo or manufactured homes
• Located outside Pennsylvania

Fixed Rate: When applying online, you will have an opportunity to lock your interest rate. If you choose to let the rate float, the interest rate will not be locked until you notify us that you want to lock it. Some mortgage products require the assistance of PSECU staff. If that's the case with your mortgage application, you'll have the opportunity to lock your rate when you speak with us. We do not offer rate locks on Pre-Approval applications. Adjustable Rate: You will receive the lowest rate in effect from the time of application up to the time of approval.

You may request to waive an escrow account if the loan-to-value (LTV) is 80% or lower, taxes and insurance have been paid timely in the past, and you have the ability to pay them on your own.

The loan-to-value (LTV) ratio is the loan amount displayed as a percentage of a property’s market value. Maximums vary by property type. You don’t have to borrow the maximum LTV, but the guidelines tell you your borrowing limit.

Fixed-rate mortgages have a fixed interest rate for the life of the loan. The monthly payment for principal and interest on a fixed-rate loan stays the same every month for the term of the loan.

You have the option to buy down the interest rate by paying discount points upfront. You can choose to lock in your interest rate once you’ve signed a sales agreement, or wait until closer to closing.

Our adjustable-rate mortgages (ARMs) offer a competitive starting rate that is fixed for either 1, 3, 5, or 7 years, depending on the terms of the loan. After the initial fixed period, the rate can adjust annually. Caps for the adjustable-rate mortgages are 1/5, which means your interest rate will not adjust more than 1% up or down per year after the initial fixed-rate period. The rate will increase no more than 5% from the initial rate over the life of the loan. Contact us to discuss your specific situation.

Each point is equal to one percent of the loan amount. Please check out the rate tables for interest rates and points available for our mortgage products.

Private Mortgage Insurance (PMI) is generally required for loans with a loan to value (LTV) greater than 80%. This coverage helps protect the lender in case you can't make your payments and default on the loan. PMI makes it possible for borrowers with small down payments to buy a home.

Report unrecognized charges. Ask about suspicious card activity. Lock your card.

Nationwide: 800.237.7328, ext. 3872

Nationwide: 855.893.4964
International*: 717.409.3757
*Not a toll-free number; regular charges apply

Report suspicious emails by forwarding to abuse@psecu.com. This inbox is for incoming messages only, and you will not receive a response.

Call us at 800.237.7328 to report security concerns such as digital banking compromises or identity theft. We’re available Monday through Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to 5 p.m. (ET). Outside of business hours, if you have security concerns, please log into your account to lock your card(s), change your login credentials, and monitor your transactions.

You can find all of the benefit information on the TurboTax page.

Yes. Apply online or request a paper application at 800.LOAN.555 Monday through Friday 8 a.m. to 9 p.m., and Saturday, 9 a.m. to 5 p.m. (ET).

Dealers should list PSECU on the title at this address:

Pennsylvania State Employees Credit Union
P.O. Box 67013
Harrisburg, PA 17106-7013

You will need your member number and online banking password. For Quicken® using a Mac, you may also need PSECU's Routing #: 231381116.

You CANNOT access Bill Payer in these programs as Billy Payer is a different system. Nor can you access your Quicken® online bill payments using PSECU's other services.

No. However, you may enter notes and categories into the Quicken® software after the transactions download.

If you are noticing that your financial aggregator is not receiving updated information from your PSECU account(s), it is likely that the financial aggregator has not modified their system to support our new online banking platform. Prior to shutting down our legacy online banking system in 2021, we proactively reached out to financial aggregators, however, we cannot guarantee that all have made the necessary updates on their end. We continue to work with any financial aggregators who need our assistance by updating their processes. If you are experiencing issues, please encourage the financial aggregator you work with to contact us to work toward a resolution.

While this option is not available at this time, we will consider this as we continue to improve our digital banking experience.

This feature is not available at this time. Please call PSECU if you do not have your checking information.

This new feature of our online banking platform allows you to view pending ACH deposits and withdrawals. This will let you know when we know that activity will occur on your account soon.

Turning on the Remember Me button will save your User ID and allow you to authorize your device to enable Fingerprint Login, PIN Login, and Quick Balances. Your password will not be saved, and you will always be required to authenticate using either your PIN, password or fingerprint to log into the app when Remember Me is turned on.

The app must have permission to access Contacts. There must also be a mobile phone number and/or email address associated with the contact to be populated.

You can view the phrase you selected by tapping Transfer Activity on the Pay Page. Find the correct transfer, and it will display the phrase next to mobile number or email address of recipient.

The following cannot be deposited with Mobile Deposit.

• PSECU Check Drawn on the Same PSECU Account – The deposit of a check that is drawn from and deposited to the same accountholder’s account at PSECU is PROHIBITED.  Deposits of this nature may result in the immediate revocation of services.
• Non-Negotiable Items – The deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED.  Deposits of this nature may result in the immediate revocation of Services.
• Altered Checks – An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker before PSECU will accept the deposit.
• Foreign Checks – A foreign check is any check that is issued to you by a financial institution in another country (Canada, France, etc.). Foreign checks may ONLY be deposited by mail.  You must remit all foreign checks to PSECU Funds Management Unit, P.O. Box 67013, Harrisburg, PA 17106-7013.
• Savings Bonds – Savings bonds are not accepted through remote deposit.
• Incomplete Items – An incomplete item is any item that does not contain signatures of the maker, endorsement signatures, or is missing any of the information required during key-entry in a Deposit Session.
• Stale-Dated Checks – Certain checks contain instructions such as “Void 90 days after issue date” or “Must be cashed within six months of issue date.”  Members with stale- dated checks MUST get a replacement check from the maker before PSECU will accept the deposit.
• PSECU Check Drawn on Personal Account (Business Accounts Only) – The deposit of a personal check that is drawn on the accountholder’s personal checking at PSECU is PROHIBITED.  Deposits of this nature may result in the immediate revocation of Services.
• Third Party Checks – The deposit of a check that is made payable to a person who is not listed as an accountholder may result in the immediate revocation of Services.
• Substitute Checks (IRD) – Substitute checks that are created as a reproduction of a digital image of an original check are not accepted through remote deposit.
• Cash – The deposit of cash is PROHIBITED.  Deposits of this nature may result in the immediate revocation of Services.

The transaction will appear as: “Visa® Balance Transfer was mailed to [Payee Name] in the amount of [Amount].”

There is no grace period on balance transfers. Finance charges begin to accrue on the date the balance from another card is posted to your account.

No. Visa® Balance Transfers cannot be used to pay off any other PSECU loan.

Yes. Co-applicants should apply with you when you open your credit card account. We’ll need current identification, and income and contact information for all applicants.

If you just want to add an authorized user, you can do that, too. For instance, you might add employees or your business manager to your account as authorized users. These individuals are allowed to use your business credit card account but aren’t legal account owners.

Only the primary cardholder can add authorized users to your Business Credit Card Account.

Your Contactless card contains an embedded antenna that securely transmits information to the payment reader. When you pay, tap your card within 1-2 inches of the Contactless symbol on the payment reader. A checkmark, green light, or audible beep will indicate that your transaction is complete.

Yes. You can have your account set up to automatically transfer your monthly Visa^® payment from any PSECU share account. You can choose to pay the minimum payment, a specific amount higher than the minimum payment, or the amount necessary to avoid finance charges. These payments are transferred automatically from your account on the 25th of every month. 

To set up a Visa^® automatic payment, please call us at 800.237.7328.

To replace your current card(s), call us at 800.237.7328, extension 3872. We will automatically send Contactless Cards when new or updated cards are issued. If you call in and advise your card is damaged, the card number will stay the same. If your card is lost, stolen or compromised your card will get a new number.

As long as you’re the primary cardholder, you can add an authorized user. Authorized users can be added during your application process, or later in online banking.

Yes. You can have your account set up to automatically transfer your monthly Visa^® payment from any PSECU share account. You can choose to pay the minimum payment, a specific amount higher than the minimum payment, or the amount necessary to avoid finance charges. These payments are transferred automatically from your account on the 25th of every month. To set up a Visa^® automatic payment, please call us at 800.237.7328.

By giving the merchant your card number, you have authorized payment. PSECU cannot then prevent the merchant from posting your charge. If there is an error or a problem with a charge, please contact us at 800.237.7328, extension 3872. You may need to complete additional steps before we can attempt to dispute the charge.

Yes, if you initiated the call. Even if you did not authorize the charge and are calling a merchant to inquire why they charged your account, the merchant may ask for your name, address, or other identifying information. If they cannot locate the charge using this information, you may want to offer your card number. Some merchants are able to locate a transaction by your card number. This will help them to explain the charge and resolve the problem. Always contact PSECU if there is a problem because we may have additional advice or suggestions.

We recommend against giving your card number or other personally identifiable information during a call you did not initiate. The call could be an attempt at identity theft.

Please call us at 800.237.7328, extension 3872. Please note: In order to replace or reorder a card, the member whose name appears on the card should make the request.

All Visa^®  products, including the PSECU Visa Credit Card and the Debit Card, offer zero liability for fraudulent charges if your card is lost or stolen.

Look for the Contactless Symbol on the payment reader at any merchant’s physical location. You’ll see Contactless technology at everyday places like coffee shops, restaurants, grocery stores, public transit kiosks, sports arenas, and more.

To report a lost or stolen ATM / Debit Card card, call 800.237.7328, extension 3872.

Debit Card and Visa^®  cardholders: If you are calling after PSECU business hours, call 800.556.5678, nationwide or 402.222.3600, International to report these cards lost or stolen. You will need to contact PSECU on the next business day to order replacement cards.

You can have up to 10 outstanding balance transfers on your card at one time. The total amount of your unpaid transfer requests can’t exceed the available credit on your card. Keep in mind, there is no grace period on balance transfers. Finance charges begin to accrue on the date the balance from another card is posted to your account.