Picatinny Federal Credit Union Logo
 

FREQUENTLY ASKED QUESTIONS
 

 

Why are we doing this?

The newly designed site will allow us to provide you with new services and capabilities that the old site was not designed to support.  New functionality includes the ability to Order Checks, VISA Debit Cards, and coming soon, US Savings Bonds.    You will soon be able to change your User ID to something more familiar to you and will have more control over what screens you see in home banking.

You will be able to get an instant decision on a loan and will be able to sign your documents remotely.

We have also enhanced our Bill Pay service.  The new system is far more intuitive and has new capabilities such as instant payments, e-Bill presentment, and expedited bill payments.

The new site is more than just a facelift.  It will allow us to provide significant upgrades that you will be able to use to manage your finances with PFCU.  This is just the first in a series of planned updates that will make the site even more helpful in managing your finances.

Back To Top

Why am I getting a Certificate or Security error?

On some computers, especially those that have not been updated in some time, you may experience the following error in Internet Exporer or other Web Browsers. You are receiving this error because your computer does not have an updated Root Certificate. You can update the Certificate by updating your computer using Windows Update and ensuring that "Root Certificate Update" is one of the included updates. You can also download the update directly from Microsoft.

Please see the following Knowledgebase article from Microsoft for more information: http://support.microsoft.com/kb/931125

Internet Explorer Browser

Internet Explorer



Back To Top

Do I need to change anything on my computer?

The only thing you should do is add the new site to your pop-up blocker to ensure that the functionality that opens in a new window will open uninterrupted. In Internet Explorer this can be done in the Internet Options menu. For Firefox the pop-up blocker exceptions list can be found in Tools, Options, Content.

Internet Explorer Browser

Internet Explorer
Firefox Browser

Firefox

The new site also has a browser checker that will make sure you have all the appropriate pre-requisites such as Java and Cookies enabled. You can test your browser by clicking the link that says Click Here to Check Browser Support on the login page.

Back To Top

 

Why do I have to scroll left and right?

The new site is designed to work best with resolutions of 1024 x 768 pixels or higher. If your resolution is lower than this there is not enough space to fit everything on the screen at once. To adjust the resolution of your display, please refer to the links below:

Windows 7: http://windows.microsoft.com/en-us/windows7/Change-your-screen-resolution
Windows Vista: http://windows.microsoft.com/en-us/windows-vista/Change-screen-resolution
Windows XP: http://www.microsoft.com/windowsxp/using/setup/personalize/resolution.mspx

For other operating systems, please consult your manual or help files for assistance.


Back To Top

 

What's New?

Landing Page or Home Page - One of the first things you will notice is that common tasks are placed on the “Landing Page”. All of your accounts are listed on this page with their balances. There is also a quick transfer capability on this landing page that will allow you to perform a onetime transfer right from the Landing Page. There’s a link to edit your account information such as your name, address, and telephone contact information. If you have any new messages or alerts from the credit union they will also appear in this area. In addition, the system tells you the last time that you logged into the system as a security measure.

Landing Page

Back To Top

Recent Activity Summary – The Recent Activity Summary will give you a summary of your activity for all of your sub-shares for the logged in account. By default the system will display all transactions that have been posted to your account over the last 7 days. There are several options that will allow you to filter the list by type of transaction and time period. You can access the Recent Activity Summary from the landing page by clicking any of the links next to your accounts (See Below)

Recent Activity Summary

Once you click on the Recent Activity Summary, you will see your suffixes all listed. You can collapse the suffixes you do not wish to see by clicking the small triangle next to the name of the suffix. Note that you can still see the normal account history for each account individually by clicking on the name of the account rather than clicking on the Recent Activity Summary link.


Recent Activity

Back To Top

Ordering Checks – You now have the ability to order checks online from within Home Banking. To order checks, simply go to the account details for your checking accounts and click the Order Checks link. A new window will open that will take you to our check processor Harland Liberty. If you have ordered checks in the past, your current check style and previous order information will display immediately. Please verify your account information is correct before placing an order. The vendor automatically recalls the information from your prior order so if you have changed your name or address recently that vendor will NOT have the updated information and your checks will NOT have the right information. Note that you should ensure that https://personalfinance.picacreditunion.com is added to your browsers pop-up blocker to ensure that the check ordering portal opens properly.


Order Checks

Order Checks

Back To Top

Overdraft Privilege – This new functionality allows you to control what order accounts are used to satisfy an overdraft. By selecting the account, you are presented with a list of dropdowns that let you select, in priority order, accounts that will be used to satisfy an overdraft. For example, you can setup your checking account to first look at your share accounts, then perhaps a vacation club, or even another account that you have a cross account relationship already setup. Note that you will still be charged the applicable fees for any overdraft or funds transfer fees to cover the overdraft. This new functionality simply allows you to control the process without having to contact a member services representative.

Overdraft Privilege

Overdraft Privilege

Back To Top

Bill Pay – We have made some significant enhancements to our Bill Pay product. The new system is far more intuitive and offers new features such as eBill Presentment that will allow you to receive your bills directly from your payees within our system. Some payees will allow you to make same day payments or expedited payments. The other major change to the system is that funds are typically not taken from your account until the bill is paid. In the past, funds were taken from your account as much as five days in advance of the payment of your bill. For the majority of our members this will be eliminated.

Bill Pay
Payment Screen

Bill Pay
Pending Payments Panel

Back To Top

Where do I find everything?

Below is the main navigation bar in Home Banking. Each container has sub-items underneath. A complete listing is below.


Home Navigation

  • Home
    • Home - Will take you to the Landing page.
  • Access Accounts
    • Account Summary - Lists all of your Accounts by Type. Clicking on the description of each account will bring you to that accounts history detail.
    • Recent Activity - Lists all of your accounts with transaction detail.  By default you will see the last 7 days of activity for ALL of your accounts.
    • Open a Sub Account - Allows you to open a sub account such as a Certificate or Club account by transferring funds from another sub-account  you have access to.
    • Withdraw – Allows you to request a check withdrawal be mailed to the primary address on file at the credit union. This functionality will not be available if you have changed your address recently and have not yet validated the change with a member services reprehensive.  This is to protect your account security.
    • Stop Payment – Allows you to submit a stop payment on a check.
    • eMail Notifications – Allows you to setup automatic eMail notifications for account activity.  You can setup the system to send the alerts to your cell phone by entering the appropriate SMS email gateway address (for example for Verizon Wireless you can send an email as a Text by using the email address in the following format phone number@vtext.com.  9735551212@vtext.com will send a text message to 973-555-1212) Note that text messaging rates vary and are your responsibility.

  • Transfer Funds – Allows you to move your money around the credit union on your own.
    • Make a Transfer – Allows you to setup a one time or recurring transfer between your accounts or to ANY account at the credit union.
    • Manage/Review Transfers – Allows you to manage any recurring transfers you currently have setup.
  • Bill payment – Allows you to pay bills with our Online Bill payment system.
    • Pay Bills – Opens the Bill Payment portal.  To ensure you have access to the site, you must add https://personalfinance.picacreditunion.com to your pop-up filter to prevent your browser from blocking pop-ups on this site.
    • Enrollment Options – Allows you to enroll in Bill Pay if you are not already enrolled.
  • Apply for a Loan – Allows you access to our loan application system.
    • Loan Status – Shows you any pending loans that you have submitted.  Even loans that you apply for in person will be shown in this screen so you can track the status of this loan.  If you are subscribed to eMail Notifications (see above) you will be notified via email as your loan is processed.
    • Web Loan – Allows you to apply for a loan.
  • Account Services – Gives you options to manage your account relationship at the Credit Union.
    • Card Services – Allows you to report your debit or ATM card lost or stolen.  You will also soon be able to request a new card through this system.
    • Overdraft Protection – Gives you options to control what accounts are used to satisfy an overdraft.
  • Your Preferences – Allows you to customize your account information as well as your home banking preferences.
    • Login Security Credentials – Allows you to change your login challenge questions, and login picture.
    • Contact Information – Allows you to change your Address and telephone contact information with the credit union.  Note that changes to your address will need to be verified.  When you change your address certain functions will not be available to you until you verify your address with a member services representative.
    • Multiple Account Access – Allows you to control what accounts you have access to in the drop down in the upper right hand corner of the home banking system.  Allows you to quickly and easily move from account to account without having to logout and login to each account.  Will also allow you to access those sub-shares for transfers and withdrawal if you grant this type of access when setting up the account relationship.  You MUST know the login information for home banking for these accounts in order to setup a multiple account relationship.
    • Member Preferences – Allows you to control what tabs appear on the Landing Page.  You can add several options that will allow you to remain on the landing page for most of your needs.  You can also change your email address, Telephone Banking  Pin, Home Banking password, Account Nicknames, and View a listing of your login history.
    • Alert Center and Messages – Allows you to view and securely and send messages to a member services representative within home banking.  Alerts are also used to notify you of late loan payments, overdrafts and other important items.  If you have new alerts or messages they will also appear on the landing page when you login.
    • eStatement Selection – Allows you to receive you monthly statement electronically or via US Mail.
  • eDocuments – Allows you to access electronic versions of your statement and/or check images.
    • eDocuments – Gives you the option of viewing eStatements, eChecks, eForms and eNotices.


Back To Top