Banking FAQs: Accounts & Banking

FAQs

Yes. Log into online banking® and click on "Move Money" from the menu at the top. Select "Scheduled Transfers" from the left menu. Select “Another Member Account” from the FROM dropdown box when setting up your transfer in online banking.
No, transfers from a certificate or IRA are prohibited.

You can make recurring deposits to a certificate by setting up an automatic transfer within the first 30 days of purchase or renewal only. Once the transfer is set up, you may decrease or discontinue the amount going to your CD/IRA, but you may not increase it.

Setting up a recurring transfer may be done while purchasing a certificate online. Decreasing or discontinuing a transfer amount to a certificate may be done online by clicking My Money » Scheduled Transfers. For all other transfer requests, please call us at  800.237.7328.

You can set up Bill Payer by adding a bill to your account online banking. Or, you can give us a call at 800.237.7328. A Member Service Representative will be able to assist you.
You are not permitted to increase your Certificate or IRA transfer amount until maturity. You may only reduce the amount of your transfer or cancel the transfer.
No. PSECU will send payments to the Payees / Merchants you specify. However, you may want to double check your Biller's instructions as there are some cases where you may be required to send additional paperwork with a specific payment for timely processing. For these instances, the Bill Payer service is not an appropriate payment option.
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.
PSECU’s Bill Payer eliminates the chore of writing and mailing checks, but you still need to provide enough time so your payments get to the Payee/Merchant on time. For paper merchants, we suggest you set the payment date at least 5 - 10 business days prior to your due date.
For electronic merchants, we recommend that you set the payment date at least 3 business days prior to your due date.

PSECU’s AutoDraft is a blank check that can be made payable to any licensed auto dealer. If you are not purchasing from a licensed auto dealer or one of the following conditions apply, you will not be able to use an AutoDraft. You'll need an AutoCheck instead.

purchasing from a private seller
purchasing a recreational vehicle
purchasing an antique, classic or Reconstructed(R)-titled vehicle
refinancing a loan at another financial institution
buying out the remainder of a lease
refinancing a PSECU vehicle loan
borrowing against a vehicle you own free and clear

Once issued, the AutoDraft is good for 120 days.Your AutoDraft does not start to accrue interest until it is returned to PSECU by the dealer. The interest rate in effect will be the lower of the following two rates: the interest rate in effect the date the AutoDraft was issued or the interest rate in effect the date the AutoDraft is received from the Dealer.

When using the AutoDraft, be sure to indicate the number of months you would like to finance your vehicle as well as your method of repayment. Your first monthly payment will be due 30 days after the AutoDraft is returned to PSECU.

IF YOU DO NOT INDICATE THE TERM OF YOUR LOAN, IT WILL BE SET UP FOR THE MAXIMUM TERM AVAILABLE.

Please call us to change your Automatic Transfer set-up.

Monday - Friday from 8 a.m. to 9 p.m.
Saturday from 9 a.m. to 5 p.m. (ET).
800.237.7328

You can pay anyone in the U.S., anytime with just their name and an email address or mobile phone number using our Person-to-Person transfer service in online banking and in our mobile app. To access this feature, log into your account. In online banking, go to "Move Money." In the app, select Transfer & Pay, then tap "Pay a Person" and select either "Pay Non-PSECU Member" or "Pay Other PSECU Member."

You can also complete a Member-to-Member Electronic Transfer Authorization form and include the PSECU member name(s) and account number(s). For more information, visit psecu.com/forms/.

You can deposit into any ATM that accepts deposits. If you're using a non-PSECU ATM and you do not see a deposit option displayed on the screen after you insert your card, the ATM owner does not participate in deposit sharing. If the machine does accept deposits, simply follow the instructions as they appear on the ATM screen. We recommend saying "yes" when asked about a receipt.

Using a PSECU Deposit Image ATM (accepts cash and checks without envelopes)

Making Check Deposits

  • PSECU ATMs can accept up to 30 checks at a time, and count as one transaction.
  • Checks need to be in good condition and clearly readable.
  • You can request a receipt with the printed check images.
  • Depending on the check deposited, the ATM may ask for an amount to be entered to verify the correct amount.
  • You should pay close attention to the screen to verify amounts.

Making Cash Deposits

  • PSECU ATMs can accept up to 50 bills at a time that are in good condition.
  • Before inserting, be sure to flatten them out and unfold corners.
  • The receipt will show a breakdown of the denominations.
  • Do NOT insert coins.
  • PSECU ATMs do not accept foreign currency.

ATM owners may surcharge for deposits, as well. They should provide notice on their ATMs if they surcharge deposit items. To find the nearest surcharge-free ATM, use our locator. You can also find more ATMs worldwide with by accessing locators for Visa® and STAR® ATMs. Not all ATMs are surcharge-free in the Visa and STAR locators.

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.

You can add, change or remove a joint owner on an existing PSECU account by clicking here to get the form. Submit the completed form by faxing it to us at 717.720.1234 or mailing it to: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013.
To update your contact information, log into your account and click on "My Profile." You could also call a Member Service Representative at 800.237.7328.
Click here to get the form. Fax the completed form and any documentation to us at 717.772.2272 or mail it to: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013.
To change your e-mail address, log into your account and select "My Profile." You can also call a Member Service Representative at 800.237.7328.

No. Due to the technical limitations of certain types of ATM machines, we are not able to prevent the "surcharge message" screen from appearing for PSECU members on many PSECU ATMs. You should continue the transaction by answering "yes" on this screen. When you get your receipt, you'll see that you were not assessed a surcharge (i.e., the withdrawal amount on your receipt will show $20, $40, $60, etc., as opposed to $21.50, $41.50, $61.50, etc. shown when you pay a surcharge).

To locate surcharge-free ATM use PSECU’s ATM Locator.

ATMs must provide a notice before you are committed to paying the fee. You will be given the option of continuing or canceling the transaction. If you choose to continue, you will receive your cash and be assessed the fee. If you choose not to continue, you can back out of the transaction and not be charged.

PSECU participates in the CO-OP Network® that includes more than 28,000 surcharge-free ATMs nationwide. These will not assess a surcharge fee even if the notice on the ATM says that they "may" assess the fee. We're also part of the CU$ Alliance. ATMs displaying the CU$ logo provide you with even more surcharge-free options.

1099s are included with your December statement.

Use your member account number when calling PSECU. The checking account number is found on the bottom of your checks. This number should be used for any type of electronic deposit or payments to your checking account. Also, anytime you authorize a pay-by-phone you should provide the checking account number on the bottom of your checks.

We understand that members may need to close their accounts for a number of reasons. But if you're looking to close your account because you've retired, changed jobs or you're moving, we've got some great news for you – You don't have to! Once you're a member of PSECU, you're a member for life, regardless of where you work or live. With our electronic services, you can take care of all your financial needs using your PC or phone.

If still need to proceed with closing, you can download a close account form.

There are many reasons a hold may be placed on an account. Here are some examples:

  • holds for Debit Card purchases
  • holds placed for Electronic Bill Payments
  • holds placed on large dollar deposits

Reasons for the holds can often be determined by viewing your account in online banking. If you need more detailed information, we may need to research your account.

Please contact PSECU at 800.237.7328. Call us Monday through Friday 8 a.m. to 9 p.m., or Saturdays 9 a.m. to 5 p.m. (ET) to speak to a Member Service Representative.

You can obtain a PSECU cashier's check in several ways. If the check will be made payable to you only, you can use either online banking or the Self-Service Telephone (SST). After logging into your account, simply click on  "Move Money" at the top, then select "Check Withdrawal"  on the left side menu. Using the SST, call 800.435.6500. Select option 1 and then option 7 from the main menu.

You can also obtain a cashier's check in person at one of our counter locations, by mail or calling 1-800-237-7328, option 5.

Mail your request to PSECU:
P.O. Box 67013, Harrisburg, PA 17106

Regarding third-party checks, please note that while PSECU may honor your request to forward a check to a third party, we are unable to include any other correspondence along with the check. Also, third-party checks must be drawn from collected funds. Collected funds are defined as funds that have been on account for seven business days (absent any holds) or received into your account electronically, such as direct deposit or wire transfers. Different criteria apply to accounts that have been open less than 31 days.

Dividends are calculated on all share accounts, with the exception of Money Market and Certificates, using the Average Daily Balance Method.  The formula to calculate a dividend amount using the Average Daily Balance Method is the total of daily balances for the period x the dividend rate divided by 365. 

Example: an account has an average total daily balance* of $11,473.51 and is earning dividends at a rate of 2% would earn a dividend of $0.63 a day. (11,473.51 x 0.02 divided by 365 = $0.63)

A Daily Balance method is used to calculate dividends for Money Market and Certificates. The formula to calculate the daily dividend is Daily Balance x Rate divided by 365 = Daily Dividend Amount. Total of Daily Dividend Amounts = Total dividends for period.

Example: A Money Market account with a balance on 03/01 of $10,560.00 and is earning dividends at a rate of 5% would earn a dividend of $1.44 for that day. (10,560.00 x 5% ÷ 365 = $1.44) This formula would need to be completed for each day of the month to determine the monthly dividend amount.

* The average total daily balance is found by adding the ending balance for each day of the month and dividing that figure by the number of days in that month.

 Our current share and loan rates can be found on our website at   http://www.psecu.com/Rates/

Yes. Since the corporation is engaged in independent activity, and has not been established solely for the purpose of increasing insurance coverage, it is separately insured. NOTE: If Member ABC Corporation has three (3) separate accounts such as ‘General Fund’, ‘Miscellaneous Fund’, and ‘Payroll Fund’, and are all owned by the Corporation, all three (3) would be added together and only have a total coverage of $100,000 maximum.

In addition to cash, the following items are acceptable for deposit through the ATM: personal checks; money orders; traveler's checks; rebate checks; and insurance checks. Foreign checks or foreign money orders cannot be deposited through the ATM. As a general rule, the payee(s) should endorse all checks on the back only. Failure to endorse these items correctly may result in the deposit being  reversed from your account.

  • Personal checks – Need to be made payable to you (not PSECU or Cash) and all required signatures need to be completed on the front and  all required endorsements need to be completed on the back of the personal check.
  • Money orders – Must be signed on the “Purchasers Signature” line, made payable to you (not PSECU or Cash) and all required signatures need to be completed on the front and back of the money order.
  • Traveler's checks – Must be signed and countersigned on the signature lines and need to be made payable to you (not PSECU or Cash) and signed properly.
  • Rebate checks – Make sure PSECU receives the rebate check before the expiration date. These checks must be endorsed.
  • Insurance – Special endorsement rules apply to insurance checks. Typically, these checks are made payable to PSECU and one person (or persons) listed on the insurance claim. The checks MUST be endorsed by all payees listed on the front of the check. If you have any questions, please contact PSECU at 800.237.7328, extension 3872. If the check is made payable to a different business and the member, the business must use the "Without Recourse" stamp.

 

Checks that include notations that are not endorsements as described above - examples include "payment in full," "for full satisfaction," "not valid after 30 days." and "two signatures required" - will be processed according to our standard procedures. See the Checking Agreement within PSECU's Agreements & Disclosures Booklet.

When using your PSECU debit card at an ATM to make a withdrawal, the total cash disbursement permitted per day on an account is $500. Members may receive a lower daily limit on an exception basis. Members requesting an increase in their daily limit for a specific day will also be treated on an exception basis.

You can request a temporary increase on your limit using online and mobile banking. On the go, use our mobile app and log into your account. Select More and then "Manage Cards." In online banking, log into your account at psecu.com, go to "My Money," then click on the Manage Cards link. You can also request a temporary increase by calling us at 800.237.7328, extension 3872.

We require you to endorse (sign on the back) each check before you deposit the check. Endorsements may be handwritten in ink, rubber-stamped, printed or typed and must be made in the proper 1 1/2-inch space provided on the back of the check. As a general rule, deposit items must be endorsed by whoever is listed as a payee on the “Pay to the order” line on the check. PSECU also recommends you include “For Deposit Only” following your endorsement signature. If the check is stolen and someone attempts to take it to another financial institution to cash or deposit, this endorsement will increase the likelihood of a successful fraud claim.

More specifically, for a check made payable to one Payee, sign the check exactly as your name is spelled. For checks made payable to Two Payees, both parties have to endorse the check if there is an “and” (i.e. John and Mary Public). If there is an “or” between the names, then only one signature is required (either John’s or Mary’s).Travelers checks must be signed and countersigned on the signature line before deposit. Money Orders must be signed on the “Purchasers Signature” line.

Special endorsement rules apply to insurance checks. Typically, these checks are made payable to PSECU and one person (or persons) listed on the insurance claim. The checks MUST be endorsed by all payees listed on the front of the check. For example, an insurance check is made payable to “John Public and PSECU." John must sign the check and deposit it to his PSECU account. If the check is made payable to a different business and the member, the business must use the "Without Recourse" stamp.

Checks that include notations that are not endorsements as described above - examples include "payment in full," "for full satisfaction," "not valid after 30 days." and "two signatures required" - will be processed according to our standard procedures. See the Checking Agreement within PSECU's  Agreements & Disclosures Booklet.

When using your debit card for withdrawals and purchases, there are predetermined daily limits already set up on the card. Members may receive lower daily limits on an exception basis. Members requesting an increase in their daily limits for a specific day will also be treated on an exception basis. The default daily limits are:

  • $500 - ATM limit withdrawals*
  • $1,500 - Purchase limit for debit/point-of-sale or credit/signature-based purchases*

You can request a temporary increase on your limit using online and mobile banking. On the go, use our mobile app and log into your account. Select More and then "Manage Cards." In online banking, log into your account at psecu.com, go to "My Money," then click on the Manage Cards link. You can also request a temporary increase by calling us at 800.237.7328, extension 3872.

*PSECU reserves the right to reduce these daily limits at any time. Please see the Debit Card Agreement and Regulation "E" Disclosure for more information.

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.

We send your member number (also known as your "account number") to you when you first open your PSECU account. You will need your account number and member account PIN for telephone/mobile access or when speaking to a Member Service Representative. For digital banking, you must log in with a User ID and password instead of your member account number.

You may retrieve your member number in online banking by clicking "My Profile > View Member Number" or by calling us at 800.237.7328.

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.

 

You can reorder the same check style in online banking. Log into your account and click on "My Profile," then "Check Reorders" from the left menu. When you reorder in online banking, you can make the following changes: Your address; add/remove joint owner; and add/remove phone number. For any other changes, you'll need to call us at 800.237.7328.

If your checks have been lost or stolen, please call us at 800.237.7328, extension 3139. You will need to place a permanent stop payment on the missing checks.
You can view and print copies of your checks for free in online banking. Click on "My Money" from the menu at the top and select "History" from the menu on the left side of your screen. Links to images of the cleared checks will appear as blue hyperlinks on the far right side of your history screen. You can view checks that cleared within the past 18 months. For copies of checks that cleared your account more than 18 months ago, please call us at 800.237.7328, extension 3803. The fee is $1 per check copy.

If you use online banking, you can add or change your overdraft options quickly and easily. Select "My Profile," then "Overdrafts" from the left side menu. You can also give us a call.

Yes. However, PSECU will need to close the current card and order a new card. If you would like a new PIN, please call us at 800.237.7328, extension 3872.

The available balance includes the funds that are accessible immediately for use. The regular balance includes all the funds that currently are in your Checking Shares (S4). This would include available funds, funds that are being held for Debit Card transactions, and funds being held due to large ATM deposits.

You may change your account PIN and your online banking password by selecting "My Profile" from the menu at the top. Next, click on "Change PIN" or "Change Password" from the left menu. Follow the prompts. To change your account PIN or your online banking password in the mobile app, select "More," then "Settings," then "My Profile."

Online banking users can change their address.

  • Just select "My Profile" from the menu at the top
  • Click on "Change Address" from the left menu
  • Enter your new information and click Continue
  • Review your information for accuracy and then click on Update

If you're not an online banking user, please call a Member Service Representative at 800.237.7328 to change your address.


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.

Our ABA Routing / Transit number is 231381116.

Use the ATM Locator to search our network of nearly 30,000 surcharge-free ATMs. You can use any PSECU ATM as often as you'd like for withdrawals, deposits and balance inquiries, all at no charge.

Don’t see a surcharge-free ATM near you? We offer rebates on surcharge fees from non-network ATMs. For members with direct deposit, we rebate up to $20 per month in surcharge fees. Without direct deposit, we rebate up to $8 per month.
You will need to delete the current bill and re-add it with the new address.

Most likely, the item that you requested has been added to the master list. You must now add it to your personal listing and supply the payment details. To do this you must revisit the “Add a New Bill”.

To add a new bill visit the “My Bills” in online banking. Then, select the “Add a New Bill” link located in the quick links section in the upper right-hand portion of your main Bill Payer page. Next, enter first few characters of the merchant name, the payment address’ zip code, and then click Search. Select the appropriate merchant from the list and click “Next”. You will then be presented with the delivery method disclosures which inform you of how the payment will be delivered, either through a paper check or electronic means. The last step requires you to enter in the bill’s payment details. To complete the process fill in the appropriate information and click Submit. If you experience any difficulties, please contact us through the secure e-mail located under Contact Us in online banking. Use the “Account Access and Services” Category and “Bill Payer” Sub-Category for any Bill Payer inquires. You may also call us at 800.237.7328 to speak with a Member Service Representative.

The Bill Payer Service only allows you to schedule your bill once before it actually sends your payment. If you attempt to schedule an additional payment for that item before the original payment is sent, the system will override your first entry. This is to protect you from sending duplicate payments. If you have any additional questions, please contact us through the secure e-mail located under "Contact Us" in online banking. Use the “Account Access and Services” Category and “Bill Payer” Sub-Category for any Bill Payer inquires. You may also call us at 800.237.7328 to speak with a Member Service Representative.

Delays in receiving credit for your payment may be due to several things such as: Incorrectly identifying your payment by using something other than the account number as assigned by the Payee/Merchant Sending the payment to an out-of-date address or incorrect address Sending the payment to the Payee/Merchant's address for correspondence instead of the one for payments USPS delivery delays Payments that are less than the required payment Payments to accounts that do not have a balance Sending payments after their due dates PSECU considers a payment delayed if it has not been received by the Payee/Merchant 15 business days after the date the payment was sent.

Please check your payment information and if any of the above conditions apply please notify your Payee/Merchant of the situation. If your information is correct and at least 15 business have lapsed since the payment was sent, you may consider a stop payment on the item if the item was a paper check. Log into your account and select "My Money" from the top menu. Click on "Check Search/Stop" from the menu on the left. Follow the instructions on your screen. If the item was an electronic payment, please contact PSECU at 800.237.7328.

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.

 

Changes or additions to your deposit distribution can be made quickly and easily online! Select "Move Money" from the top menu and then click on "Deposit Distribution" from the left menu. Follow the prompts to modify your distributions.

If you currently do not have payroll coming in to PSECU, you must set this up with your payroll office. You'll need to provide them with your 10-digit checking number found at the bottom of your check, along with our routing number.

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.

Yes, you can.

With PSECU's Direct Payment Service you can transfer funds between your PSECU account and other accounts you own at various financial institutions. Call us at 800.237.7328.


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

No. Bill Payer is a different system than the one used in Quicken®. You CANNOT access Bill Payer in these programs. Nor can you access your Quicken® online bill payments using PSECU's other services.

You can add, change or remove a joint owner on an existing PSECU account by clicking here to get the form. Submit the completed form by faxing it to us at 717.720.1234 or mailing it to: PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013.
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.

If you are having difficulty accessing your account, please be sure you have created a User ID. If you forgot your User ID or password, use our Self-Service Unlock process.


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).

In our mobile app, log into your account and tap the "Transfer & Pay" tab, then select "Pay Non-PSECU Member." Complete the transfer details as follows:

  • Enter recipient's email or mobile phone number or tap the plus sign to add a recipient directly from your contacts list. The non-PSECU member will need to set up a Paypal account to receive funds/payment.
  • Account: Select the share or loan on your account where the funds should be transferred from.
  • Amount: Enter the amount to transfer.
  • Message to Recipient (optional): You can include a short message that will be sent to the recipient along with instructions to claim the funds.

In online banking, log into your account and select "Move Money," then "Transfer Out," then "Non-PSECU Members." Fill out the transfer form as follows:

  • Recipient's Name: Enter the name of the member you are transferring money to. The non-PSECU member will need to set up a Paypal account to receive funds/payment.
  • Recipient's Email or Mobile Number: You can enter either the recipient's email address or mobile phone number, and PayPal will send the recipient instructions for claiming the funds.
  • Message to Recipient (optional): You can include a short message that will be sent to the recipient along with instructions to claim the funds.
  • From: Select the share or loan on your account where the funds should be transferred from.
  • Amount: Enter the amount to transfer.

Deposits can be made into your PSECU account through various methods:

ATM deposits can be made at machines that accept deposits.

Mobile deposits using your camera phone and our downloadable app.

Mailed deposits can be sent to: PSECU P.O. Box 67012 Harrisburg, PA 17106-7012.

Direct Deposit and Payroll Deposit are easy, safe and free ways of depositing to your account.


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 7 full business days before they may be wired. Funds deposited by Direct Deposit or incoming wire transfer are not subject to the 7-day restriction.