Security & Privacy

Safeguarding our members' personal and financial data is our number one priority. We use the best commercially available software, employ a full-time specially trained information security staff, and set policies and procedures to ensure we're doing everything we can.

Because information security takes teamwork, we need you to do your part, too. Simple things like keeping your software and hardware updated are important, but just the beginning. Please refer back to this page often for more ideas on how you can secure your information.

Our security staff constantly monitors the latest threats and how to prevent them. They share their findings in articles we make available to you so you can take actions to protect your computer and your account.

Together, we're stronger.

George Rudolph
PSECU President & Fellow PSECU Member

What we do:

  • All users of online banking are asked to create a User ID. You'll need this every time you access your account online or use mobile banking. (When you call us or visit us in person, you will need to provide your membership account number and membership account PIN.)
  • Password: An additional security measure for online access.
  • PIN: You have a membership account PIN needed to access your account when you use our downloadable app, when you call us, and when you visit us in person. You also have PINs for your PSECU cards. We strongly recommend using different PINs for each.
  • Reminder: PSECU staff cannot provide your PIN and password to you. You can reset your password by clicking on the "Forgot password or User ID?" link under the Member Login area on You can also reset your password, as well as your member account PIN, within online banking under "My Profile."

We contract with a card security company that monitors our cardholders' usage and flags transactions that may be considered fraudulent. This company may contact you when it detects a possible fraudulent transaction on your PSECU card.

Should you receive a call from this company during our regular business hours (Monday - Friday, 8 a.m. to 9 p.m. and Saturday, 9 a.m. to 5 p.m.), please contact us to verify the legitimacy of the call at 800.237.7328, extension 3872. We also recommend you log into your account to verify card transactions.

For added security, our free alerts service is available in online banking under “My Profile.” You can manage your alerts in our mobile app by selecting “More,” then "Settings" and "Alerts." Once you've selected your alerts, you'll receive notices through the delivery method of your choice – either email, text to your mobile phone, or both.

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

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

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

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

How do I know if there is fraud on my account?

PSECU monitors for fraudulent activity on all cardholder accounts; but cardholders must protect their accounts by checking their monthly statements and reviewing all transactions in a timely fashion. Account history can also be reviewed in online banking.

To help you keep on top of your accounts, PSECU offers an online banking service that automatically sends you an e-mail or text when a Visa purchase is made. If you're not already receiving e-Alerts, sign up today. Log into your account and click on Alerts and Notices in "My Profile."

Once the charge in question posts to your account, please attempt to contact the merchant first for clarification on the charge, and if necessary, request a credit be issued. Note the date and time of your call, as well as the name of the person you spoke with, their phone number and what was said. This information will help us build a case in the event the transaction needs to be disputed.

If a credit does not post to your account within 30 days or the merchant refuses to credit your account, please contact PSECU at 800.237.7328, extension 3872.

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

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

What you need to do:

Review Your Account Activity Regularly - The sooner you discover fraudulent activity, the faster you can limit further financial harm. You'll also protect important dispute rights.

No matter where you're accessing online and mobile banking, ALWAYS log off and close your browser. For many reasons, we strongly recommend you not use public Wi-Fi, publicly accessed or shared computers for digital banking.
It's important for you to understand what your device can and can't do, especially with security. Take time to learn the security features. And use them! Keep current with all updates.

Fraudsters will use all kinds of tricks to get you to divulge your personal and financial data - spoofed emails and websites designed to look authentic, even phone calls and text messages. PSECU will never ask you for personal information in a call you did not initiate!

If you receive suspicious calls or communications referencing PSECU, please call us at 800.237.7328 or email Please note, this inbox is for incoming messages only and you will not receive a response.


Security Guarantee Disclosures

Our guarantee promises that in the event our system is ever compromised and any of your funds are improperly removed from your PSECU account without your authorization, you will be 100% covered!

For Our Security Guarantee to be Honored, You Must:
  • Check your PSECU Account Statements each month for any unrecognized or unauthorized activity - You must notify PSECU immediately if you notice any discrepancies in your monthly Account Statement. This includes unrecognized or unauthorized transactions on your account.
  • Be certain that you understand the easy-to-read terms outlined in your PSECU Agreements and Disclosures - When you open your PSECU account, you agree to its terms, which were written to protect you.
  • Secure the information you use to access your account, whether digitally or by phone - Do not keep your User ID, Member # (member account number), PIN (Personal Identification Number) and Password in an unsecured place and do not share them with anyone who is not authorized to access your account. Sharing this information may cause any transactions conducted on your account to be considered by PSECU as legitimate, member-authorized transactions. This may occur even if you did not mean to have someone else conduct the transactions.
  • Never leave your computer/device unattended once you have logged in to your account - Make certain that no one has access to the computer/device you are using while you are in online banking. Don't rely on PSECU's special security time-out feature which automatically logs you off of online banking after a period of time during which there has been no activity. And once you are finished with your online banking session, be sure that you have logged off of the site and closed your browser.
  • Never use a publicly accessed or shared computer/device to conduct online banking transactions - Doing so could cause your login information or financial information to be cached in a temporary file and be used later to compromise your account, even after you have logged out.
  • Be on guard for "phishing" emails - Never respond to email items that request any personal information. PSECU will never ask you for your account number, PIN, Social Security number, date of birth or other pieces of personal information in an email. Also, to assure validity of PSECU-generated emails, we include a four-digit "unique identifier" code on emails that are either promotional in nature or are sent as part of PSECU's e-Alerts service. Only PSECU has the ability to generate this unique identifier, so if the number is not present or is not correct, the recipient knows right away the email is fraudulent. Check your personal Communications Center in online banking the day following receipt of any unsolicited email.

    If you receive a PSECU communication that is not found in your Communications Center, it is fraudulent and should be reported immediately by forwarding it to If you are provided with a link in an email, do not follow it if you question its validity. PSECU recommends that you always type in the Web address of when logging in.
  • You must keep your software updated - This includes, but is not limited to the operating system, internet browser, anti-virus, anti-spyware, and firewall protection software.


Additional Information

  • PSECU can only guarantee the online security of your funds and your personal information while you are conducting financial business on PSECU's site - That means that if you leave PSECU's secure site, PSECU can no longer make assurances that other sites will offer you the same protective measures as PSECU.
  • Before leaving PSECU's secure site by clicking on a link within, you will receive a warning - It will read, in part, "IMPORTANT: You Are Now Leaving" You will have the option to return to the previous page or to continue. By clicking "Continue," you will then leave PSECU's secure site. PSECU cannot guarantee the security of another site that you may be entering and, therefore, PSECU cannot guarantee your funds if you provide personal and/or financial information to that site.