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.

Greg Smith
PSECU President & Fellow PSECU Member

What We Do

User ID

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.)


An additional security measure for online access.


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 "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."

Card Security Service

We contract with a company who monitors our cardholders' usage and flags transactions that may be considered fraudulent.

IMPORTANT: Our contracted card security service may contact our cardholders when it detects transactions that may be fraudulent. The company's acronym is very similar to ours - PSCU - so it may appear to be a phishing attempt. PSCU has the following numbers:

  • 888.918.7313
  • 727.299.2449

Should you receive a call during our business hours (Mon-Fri 8 a.m. to 9 p.m. and Sat. 9 a.m. to 5 p.m.), you can call us to verify the legitimacy of the PSCU call. Our number is 800.237.7328, extension 3872. We also recommend you log into your account to verify transactions.

Due to the nature of a PSCU call, they will have to ask for limited personal information to confirm they are talking to you, the cardholder. As always, use caution in your responses.

What You Need To Do

Stay Aware - 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.

Always Log Off - 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 publicly accessed or shared computers for online banking.

Know Your Device - 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.

Ask Questions - 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 a call or text seems questionable, report it to PSECU (or the financial institution it allegedly came from.)

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!

*FICO® and Fair Isaac® are registered trademarks of the Fair Isaac Corporation in the United States, and may be trademarks or registered trademarks of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac is not an affiliate company of PSECU. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint Owners are not eligible.