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. For more information, Click Here!
You may purchase a Certificate of Deposit (CD) online by accessing your account and clicking "Open a Certificate" on your Balances page. Find out more information about our certificates or see our current rates.
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.

You can open a checking account in Online Banking on the balances page by clicking "Add a Share or Checking Service." You can also download a paper application or call us at 800.237.7328.

To download, view and print a Deposit Slip, click here.
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.

Turnaround times are usually 2-3 business days for a student account or 3-5 days for other accounts. After we receive the application, an ATM card should arrive in approximately 5-7 days and checks in about two weeks.

Student accounts will take longer right before the semester begins. Please plan accordingly so the student is ready to go when it's time to leave!

To protect the security of our accounts, specific account information can only be provided to the primary account owner and any joint owners.  Being a joint owner on your students account would allow you access to their account information and also grant transactional capabilities.

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.

Please call us at 800-237-7328, entension 3134.

In our mobile app, select Transfer & Pay, then tap "Pay a Person" and select "Pay Other PSECU Member." Complete the transfer details as follows:

  • Recipient's email address or mobile phone number
  • Shared Secret Phrase: Select a word or short phrase that the recipient will use to claim the funds. You will need to give the shared secret phrase to the recipient. They will be required to enter it when claiming the funds. This helps secure the transfer as only you and the recipient know the shared secret phrase.
  • Save to Transfer List: This option saves the recipient's information to your transfer list so you won't need to use a shared secret phrase for future transfers.
  • Account: Select the share or loan on your account where the funds should be transferred from.
  • Amount: Enter the amount to transfer.

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

  • Recipient's Name: Enter the name of the member you are transferring money to. This will show in your account transaction history and statement.
  • Recipient's Email or Mobile Number: You can enter either the recipient's email address or mobile phone number, and we will send the member instructions for claiming the funds. This will show in your account transaction history and statement.
  • Shared Secret Phrase: Select a short word or phrase that the recipient should use to claim the funds. This helps secure the transfer as only you and the recipient know the Shared Secret Phrase. You will need to give the Shared Secret Phrase to the recipient. They will be required to enter it when claiming the funds.
  • Save to Transfer List: This option saves the recipient's information to your transfer list so you won't need to use a Shared Secret Phrase for future transfers.
  • From: Select the share or loan on your account where the funds should be transferred from.
  • Amount: Enter the amount to transfer.
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.
To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with slightly reduced image of the front and back of the original check. The front of the substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account. For example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for a the same check. The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, Non-Sufficient Fund fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to the interest on the amount of your refund if your loss exceeds the amount of the substitute check. You may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we receive your claim and the remainder of your refund (plus interest if your account earns interest) no later than 45 calendar days after we receive your claim.

Check 21 is also known as “Check Clearing for the 21st Century Act.” Check 21 provided for the creation of a new negotiable instrument known as the “substitute check,” a digital image that replaces the physical paper check. You need to know that checks can be processed in hours instead of days. As always, please be sure you have the funds available when you write checks!

Should you need a copy of a check, you may print it from online banking for free. We can also mail you a copy. There is a $1 per copy fee.

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.

Any early withdrawal will cause a forfeiture of 90 days of dividends on the principal amount withdrawn whether or not the account has earned an initial dividend. This penalty will be deducted from the Certificate and calculated at the annual rate of interest being paid on the Certificate. If the withdrawal plus penalty takes the Certificate below the minimum $500 balance, the Certificate will be closed and the penalty will now be calculated on the entire balance. All Certificate penalty withdrawals must be in writing. $100 minimum withdrawal. PSECU penalties will not be incurred on a withdrawal of earned dividends. IRA Certificates may be subject to IRS penalties.

** There is no PSECU penalty if the Regular Certificate has reached maturity; the certificate redemption is within the 10-day grace period; the certificate has earned dividends withdrawn; or the member dies and PSECU receives proper verification.

For more information,  click here.

If you have an older PSECU account, you may want to change your member account number. Please remember that once changed, your number cannot be changed again.

Before making the account change, make sure you're not taking this action too close to an electronic deposit day – your regular direct deposit of pay, for example. Changing within three business days may cause your deposit to be returned or extremely delayed.

To change your account number:
1) Call 800.237.7328.
2) Enter 81 at menu prompt.
3) Follow the instructions. During the call, you will receive your new randomly generated account number.
4) Please write down your new account number.

Additional Information
You will receive a confirmation letter with your new account number.
Changing your account number does not affect your account PIN or password.
Be sure to immediately contact those companies that you have legitimately authorized to electronically access your account. Give them your new PSECU account number so that services can continue uninterrupted. Examples may include employers for Direct Deposit, credit card companies, financial institutions for mortgages and car payments and utilities for payments.

Compromised Account?
Please contact PSECU directly for full account protection if your account has been compromised. Contact Loss Prevention and Security at 800.237.7328. You may also send a secure e-mail using "Contact Us" in online banking. Do not use the "Contact Us" in psecu.com for this purpose as it is not secured using encryption technology.



 

1099s are included with your December statement.

Types of 1099

1099 INTs are produced on membership accounts that have earned $10.00 or more in dividends year to date, earned bond interest on bonds cashed at PSECU and/or had backup withholding.

1099Rs are produced for anyone who has taken a distribution from a Traditional IRA, a Roth IRA or a SEP IRA.  They will show the amount of the distribution, any federal withholding that was taken, the type of IRA, and the coding used to report to the IRS.

1099Qs show any distributions from an Educational Savings account.  It will also show the amount of the distribution and how the distribution was coded for IRS reporting.

Use your member account number when calling PSECU. The checking account number is found on the bottom of your checks. It is the set of numbers that start with 7. 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 9 from the main menu.

You can also obtain a cashier's check in person at one of our counter locations, by mail or by fax. Please note that we need a signed, written authorization for a third-party check or to have a check mailed to an address other than your account address of record. Your cashier's check request must include account number; amount; payee name; address to forward the check; and signature of an account owner.

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

Fax your request to 717.772.2272

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! We do not have ‘shareholders’ to pay our dividends to, we have members; so this enables us to pay dividends on average balances as low as $2,500 with no monthly service charges!
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. For example: - Member ABC Corporation maintains a $100,000 account with PSECU. Ownership is split equally among four (4) owners. Each of these owners also has a personal account with $100,000 in it. Since, the corporation carries on its own activity, and is not established solely for additional insurance, ALL FIVE (5) accounts would be insured up to $100,000 EACH. 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. Click here to read more about this.

You can perform Western Union® transfers online at their website at www.westernunion.com.

To help you save for that special holiday or occasion, we offer Christmas/Holiday Shares.

Christmas/Holiday Share features include:

  • NO penalties for early withdrawal
  • Dividends are earned on all balances
  • Deposits can be made at your convenience at anytime for any amount

While Christmas/Holiday Shares are similar to the Regular Shares, you cannot access these shares with your debit card.

For additional information regarding our Share Accounts or to open a new share, contact a member service representative to assist you.

You can also open a Christmas Share online.  Login to your PSECU account and click "Add a Share" on your Balances page.

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.

If you have any questions, please contact call us at 800.237.7328, extension 3872.

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 on psecu.com/disclosures for more information.

There are two ways to open a Money Market share.

  1. Log into your PSECU account and click "Add a Share" on your Balances page.
  2. Call PSECU – It takes less than a minute! 800.237.7328, M – F 8 a.m. to 9 p.m., Sat. 9 a.m. to 5 p.m. (ET).
Remember -- You can open your Money Market today without an initial deposit. To earn the Annual Percentage Yield however, you need a $500 minimum balance.

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 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.

You can make the following changes in online banking: 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.

For a different check design, please call us at 800.237.7328, extension 3134.

Click here for more information about PSECU's checking services including a list of available check styles.

For a different check design or other changes to your checks, please call us at 800.237.7328, extension 3134.
Please call us at 800.237.7328, extension 3134.

You can order one box of checks online every 60 days. If you need an additional box immediately, call us at 800.237.7328, extension 3134.

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.

Overdraft options include: Savings, Money Market, Holiday/Vacation and other shares and your Visa® Credit Card line of credit. For more information about our overdraft service, click here.

A $4 adjustment fee is applied to any correction that a financial institution is required to make to an ATM deposit. This may include keying errors, checks returned for non-sufficient funds, or endorsement problems. For details, please call us at 800.237.7328, extension 3872.

You can use any PSECU ATM as often as you'd like for withdrawals, deposits and balance inquiries, all at no charge.

If you have Direct Deposit with us, we'll rebate up to $20 each month into your Regular Shares (S1) for ATM surcharges incurred when making withdrawals using another financial institution's ATM. For members without Direct Deposit, we rebate up to $8 per month. For a list of surcharge-free ATMs, use our ATM locator.
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.

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. The default daily limits are:

  • $500 - ATM limit for withdrawals*
  • $1,500 - Purchase limit for debit/point-of-sale and 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," 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 on psecu.com/disclosures for more information.

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.

Click here to learn more. 

To discontinue your e-Statement service and return to receiving printed statements, log into your account and select “My Profile.” Revoke your e-Signature by clicking on "e-Signature" on the left menu. From there, you may review the e-Signatures that you agreed to, as well as the most current versions of the agreement. You may withdraw your consent at any time.

Our ABA Routing / Transit number is 231381116.

Click here for more information.

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.
That letter is to inform you that a Bill Payer payee has recently been converted from paper payments to electronic payments. Electronic merchants request that your account number be formatted a specific way. Please delete the bill payer for this merchant and re-add it making sure to use the correct remittance address and account number included on your most recent statement from that merchant.

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.

If you no longer have contact information for the company, many times a quick Internet search or a call to Directory Assistance will provide the necessary information. Until you fully comply with the company’s requirements on discontinuing the process, the debit/payment is still legally authorized and will continue to process against your account.

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. Click here for this information.  

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.

No. 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

Please call us at 800.237.7328. We're available Monday through Friday, 8 a.m. to 9 p.m., and Saturday 9 a.m. to 5 p.m. (ET).

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.
Bill Payer sends payments using either a paper check or an electronic payment depending on the merchant’s capabilities. If one of your payments was an electronic transmission it would be received and processed faster than a paper check. Delivery for paper checks can vary based on the Payee/Merchant’s location and USPS delivery. If you feel that your Bill Payer payment has been misrouted through the postal system, you should contact the Payee/Merchant and report the delay.

PSECU does not charge members a fee for withdrawing funds from an ATM. However, the ATM owner may assess a surcharge. PSECU will refund your account up to $20 per month for ATM surcharges you incur, if you have Direct Deposit. If you don't have Direct Deposit, we'll refund up to $8 per month.

Note: Surcharge refunds are posted to your savings account (S1) by the 5th of the month.  For example, if you incurred a surcharge fee on May 11, the refund will post on June 5.

To find surcharge-free ATMs, use PSECU’s ATM Locator   .

 

 

You can use one of more than 200 PSECU ATMs. The 2,800 ATMs with CO-OP Network® logo are surcharge-free for PSECU members. Click here  to search for ATMs in your area. Also, most Wawa, Sheetz® and Rutter's stores® in and out of the state of Pennsylvania are surcharge free. 7-Eleven® stores in Pennsylvania now offer surcharge-free access to cash.

Also, consider:

  • Getting cash back - Merchants that accept ATM cards/ debit cards for purchases ("point-of-sale" transactions) often will add a cash withdrawal to the purchase price without imposing a surcharge. 
  • Paying with ATM / Debit Card - Make purchases directly with your PSECU card at participating stores, without using cash.


Safeguarding our members' personal and financial data is our number one priority. We use the best commercially available software (128-bit Secure Socket Layer encryption), employ a full-time specially trained information security staff, and set policies and procedures to ensure we're doing everything we can to keep your information secure.

Everything you need to begin the process is on our Business Accounts page on our Web site. The page is organized by business type (sole proprietorship, for example) for your convenience. Simply click on the arrow to open a drop down box for important instructions, information and printable documents to send us so we can open your account.
We offer a variety of loan and deposit products to fit your needs. A complete list, as well as a description of different business entities, is available on our Web site.
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.

No. For the FICO® Score Service, the credit bureaus only permit us to receive the FICO score on the primary account owner. A joint owner is not automatically a member, but they may be eligible to join.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and may be a trademark or registered trademark of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac Corporation is not an affiliate company of PSECU.

The Bill Payer Summary is a feature within online banking. This free service allows you to track and categorize your bill payments made through our Bill Payer service complete with bar graphs and pie charts. To access this feature, click “Bill Payer Summary” located on the left side menu list under “My Bills” or the “View Your Bill Summary” link located in the links section in the upper right-hand portion of your main Bill Payer page.

To begin, you must assign a category to the bills you want to track through this service. This can be done either at the time you set up a bill or on the bill’s details page. The bill’s details page is accessed by clicking on the bill’s name or the gear icon located in the far right side of bill record.

First, you must be enrolled in our Bill Payer service in online banking under “My Bills.” Once enrolled, set up a bill on your account. During the set up process you’ll be given the option to assign a category. Future payments will be tagged with that category name. You may also assign categories to bills you have already set up on your account through the bill’s details page.

The bill’s details page is accessed by clicking on the bill’s name or the magnifying glass icon located in the far right side of bill record. After payments have been made on bills where you’ve assigned a category, you’ll begin to see that activity tracked on the Bill Payer Summary. To access this feature, click “Bill Payer Summary” located on the left side menu under “My Bills” or the “View Your Bill Summary” link located in the quick links section in the upper right-hand portion of your main Bill Payer page.

The categories will also be tagged to the historical transactions displayed in “History.” You may use those category links to quickly access a filtered view of your Bill Payer Summary page based on the specific category you clicked on.

Please note that categories cannot be tagged to previous payments, nor can the categories tagged to previous payments be altered.
Data will only be available in the Bill Payer Summary when two conditions are met. First, you assigned a category to a bill prior to it being sent out for payment. Second, the date the payment cleared your account is within the selected date range.
Categories will only be tagged to historical transactions if you assigned a category to a bill prior to it being sent out for payment.
There are three ways to add a nickname to a bill. The first option is to add a Nickname to a bill when you are setting it up for the first time. The second option is to use the “add Nickname” text located under the bill’s actual name on your main Bill Payer page. Click the text and enter your desired nickname in the field that appears. The third option is to add a nickname through the bill’s details page which is accessed from you main Bill Payer page by clicking on the bill's name or the magnifying glass icon located in the far right side of bill record. The nickname is located towards the bottom of the screen. This is where you may edit the nickname as well. Please remember to go through the update process for options two and three.

Nicknames will appear as the primary name for your bill’s record on your main Bill Payer page. They will be included in your bill’s online history transactions for payment activity that occurs after you’ve added one. They will not show on your account statements nor will they be included with the actual payment information sent to your merchant.

You’ll need to register the external account before you use it to make deposits or loan payments. Log into your PSECU account and follow these instructions:

  • Go to “Move Money.”
  • Select “External Account” in the “From” dropdown list, then select “Add New External Account” in the sub-dropdown list
  • Follow the online instructions to complete the registration process.

All registration requests include a small deposit verification process. It works like this: Within 1 – 2 business days after submitting you request to add an external account, we will put a deposit of a random small dollar amount into that external account. To complete this verification process, you are given 10 calendar days after the deposit is initiated to do the following:

  • Check the transaction history on your external account and record the amount deposited.
  • Log back into your PSECU account and verify that deposit by using the verification link located at the top of the “Transfer” page.
    • Sample verification message: “You have 1 external account that requires verification.”
  • Enter the correct deposit amount in the field provided.
    • If you requested to register more than one external account, you will need to select the appropriate external account to match up.

Please note that this small deposit verification process applies only to share deposits. Loan payments do not require this and may be made immediately after confirming the external account information and agreeing to the service’s terms and conditions. We recommend completing this process, however, so both options – share deposits and loan payments – are immediately available to you when you want to use them.

In order to make a payment to a PSECU loan from an external account, there needs to be an account ownership link between the two. In other words, the external account must be owned by at least one individual who is named on the loan. If there is no ownership link between the two, then the PSECU loan will not be available to be paid by the external account.
An external account’s ownership settings may be edited on the external account’s details page:

  • Click “Move Money.”
  • Click “External Account Transfer Summary” link located on the right-hand side of the page.
  • Click the “Edit” link associated with the appropriate external account in your “External Accounts” list.

If you do not see the “External Account” option at all in the “From” dropdown list on the “Transfer” page, your account is not eligible for the External Account Transfer Service.

In order to make a deposit to a PSECU share from an external account the small dollar verification must be completed. Prior to this, shares will not be available to be transferred to from the external account.

All external account registration requests include a small deposit verification process, where within 1 – 2 business days after submitting your request to add an external account, we will initiate a deposit of a random small dollar amount into that external account. To complete this verification process you are given 10 calendar days after the deposit is initiated to do the following:

  • Check the transaction history on your external account and record the amount deposited.
  • Log back into your PSECU account and verify that deposit by using the verification link located at the top of the Transfer page.
    • Sample verification message: “You have 1 external account that requires verification.”
  • Entering the correct deposit amount in the field provided.
    • If you requested to register more than one external account, you will need to select the appropriate external account to match up.

All external account registration requests include a small deposit verification process where within 1 – 2 business days after submitting your request to add an external account, we will initiate a deposit of a random small dollar amount into that external account. To complete this verification process, you are given 10 calendar days after the deposit is initiated to do the following:

  • Check the transaction history on your external account and record the amount deposited
  • Log back into your PSECU account and verify that deposit by using the verification link located at the top of the Transfer page.
    • Sample verification message: “You have 1 external account that requires verification.”.
  • Entering the correct deposit amount in the field provided.
    • If you requested to register more than one external account, you will need to select the appropriate external account to match up.

After completing the small dollar verification process, you may transfer money into your eligible shares and loans at your convenience.

The loan’s payment method will be changed to a manual payment method and future payments are your responsibility to make manually. Revoking your authorization for a recurring transfer does not affect your obligation to ensure your loan is paid on time and according to your loan agreement.
Our External Account Transfer service uses the national electronic payment processing network (ACH system) to transfer money. Funds transferred via an ACH debit typically take 1 to 3 business days to post to your account.

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).

For transfers to other members' accounts that were not set up through a paper form, the recipient will need to log into their account and select "Move Money," then "Transfer In," then "Claim Funds." The recipient can then click "Settings" on this page to specify which share they wish to receive funds in.
No. Adding someone to your Transfer List creates a one-way link. Only you can transfer money out of your account. The recipient will NOT be able to initiate a transfer out of your account into their account.
The Secret Phrase is only available within the sender's account. Go to "Move Money," then "Transfer Out," then select "Other Members." Click "View Your Pending Transfers" near the top of the screen. The Shared Secret Phrase you selected will show next to the pending transfer.

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.
In order to continue online access to your PSECU accounts, you will need to create a User ID. The next time you log into your account, you will be taken through the quick process of establishing your User ID and password. For more information about the benefits of using a User ID, please check out our blog post.
No. You will continue to use your member account number whenever you call PSECU or use the Self-Service Telephone.

While viewing your transaction history, click the "Add Note" or "Uncategorized" link underneath the transaction to modify it. Be sure to click the "Save" button when you're finished editing each transaction.

Notes can be up to 50 characters, and you may create custom categories in the "My Profile > Preferences" section of online banking.

No, the note information you enter will not show on the recipient's account. However, the recipient may enter their own note for the transaction.

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

ATM deposits can be made at machines that accept deposits. Search for an ATM near you.

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. Click here for printable deposit slips.

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

In addition to personal and corporate checks, the following items are acceptable for deposit through UPost@Home®: Money Orders, Travelers Checks and Rebate Checks.  Foreign checks or foreign money orders cannot be deposited through UPost@Home.  Items can only be deposited to the account if the Payee is listed on the account.

As a general rule, the payee(s) should endorse all checks on the back only.  Failure to deposit these items correctly may result in the deposit being reversed from your account. Money Orders must be 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.  Travelers Checks need to be made payable to you (not PSECU or Cash) and signed properly.  Rebate Checks must be endorsed.

You may substitute the serial number if the rebate check does not have a check number and you may substitute the current date if a date is not printed on the rebate check.  Make sure PSECU receives the rebate check before the expiration date.

Please remember that all checks must be properly endorsed. Checks that include notations such as "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.

If you have any questions, please contact PSECU at 800.237.7328, extension 3872.

For another convenient deposit method, check out Mobile Deposit.

When you complete your UPost@Home® deposit, your session number should appear on the screen. Be sure to record this number on your envelope before you send it to PSECU. In the event a session number does not appear, you can find your deposit information in two places: In UPost@Home®, click on the “Deposit Available” amount. The session number and check information you entered will be displayed under “Deposits Not Yet Received.” In online banking, look under the Checking History (S4) to see if your deposit posted. The sequence number (seq#) that appears by the transaction is your session number for that UPost deposit.

For another convenient deposit option, check out Mobile Deposit.

To transact internationally, you may elect to have the receiver set up an ACH debit to remove money from your PSECU 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.