Frequently Asked Questions


Is there a minimum balance requirement?

To maintain your membership in PFCU, you are required to keep $5 in your share savings account at all times. Checking accounts, Holiday Club and Vacation Club accounts do not have minimum balance requirements. Please see our most current Terms & Conditions for any other requirements.

What is a “subshare”?

All accounts are linked to your main share savings account. Other accounts, such as checking or club accounts that are held under your share savings account number are considered “subshares.”

Can I open a business account?

Yes, the credit union offers business accounts. They work the same as our consumer accounts. Please ask a Member Service Representative about the requirements and paperwork required to open a business account.

Debit Cards

How do I change my PIN?

Simply dial the (800) number provided in the letter containing your PIN; enter the reference number as instructed and customize your PIN to whatever you like. The PIN will be active within 3 hours. To finish activating your card, simply make a balance inquiry at a PFCU or Allpoint ATM.


How long do I need to wait for deposits to clear?

After the first 30 days after you have joined our credit union, most deposits are made available the next day. In some cases, deposits may be held for a longer period of time, but you will be notified if this is ever the case. Cash deposits are always available immediately.

What is a New Account Hold?

During the first 30 days your account is open, there will be a 9 business day hold on all check deposits. Direct Deposits and Cash deposits during the first 30 days will still be available immediately.

Do I need Deposit or Withdrawal Slips to make transactions?

They are not required by our tellers, but you may use them if you like. The teller will return the slip to you, along with your receipt, when the transaction is complete.

Is there a hold on ATM deposits?

Yes, a 1 business day hold will be applied to all deposits made through an ATM and funds will generally be available on the 2nd business day after the date of deposit. This includes cash deposits. If a longer hold is placed, you will be notified in writing as to the reason for the extended hold. Deposits made on a weekend or holiday are considered next day deposits.

What is the maximum withdrawal I can make at an ATM?

You may withdraw a maximum of $500.00 from an ATM within a 24 hour period, and if your debit card is connected to a checking account, you may use the card for up to $3000.00 in point-of-sale purchases in a 24 hour period (not to exceed your available account balance.)

How are my loan payments applied to my loan account?

Any amount exceeding your normal payment is automatically applied to your principal. Any additional payments made before your due date are applied to interest owed first, then to principal, unless you request the payment to be made to principal only. Additional payments will not advance your next due date.

Is there a grace period for my loan or credit card payment?

Yes, you have 10 days from the payment due date to apply your payment to your loan before any late charges will be assessed.

What is the credit union’s routing number?

It is 221275216.

Online Banking & Bill Pay

Can I access my account via the telephone?

Contact the credit union by dialing (973) 361-5225 and select option 1, or dial (800) 338-7328. Your account number and telephone banking PIN will allow you to access account balances, make transfers, etc.

How can I reset my password in Online Banking?

Select “Your Preferences” > “Login Security Credential.”

I am being asked a challenge question that I did not choose. What’s happening?

Check to make sure you are using the correct User ID to sign into your account. If you forgot your User ID, please contact us for assistance.

What is PFCU’s ABA routing number?

Picatinny Federal Credit Union’s ABA routing number is 221275216

How do I link multiple accounts?

You may link them together by selecting “Preferences” > “Multiple Accounts” > “Add Account.” You will be able to toggle between your accounts using the drop-down menu at the top right-hand side of the screen. You may also make transfers to any PFCU account without linking the accounts.

How do I enroll in Bill Pay?

When you log into your account, please select the following: ” Bill Payment” > “Enrollment Options” > Select the appropriate option to enroll your checking account.

Bill Pay says it is opening a new window, but nothing happens. What’s wrong?

Your browser may have a pop-up blocker that prevents a new window from opening. If you turn off your browser’s pop-up blocker, the window should open.

How do I set up a new bill in Bill Pay?

From the main online banking page, select the following options: – Bill Payment – Add a bill – Who do you want to pay – Continue – Enter biller name – Nickname – Account Number – Confirm Account Number – Billing Address – Billing Phone Number – Add Bill – Finish, or Add Another Bill

If a payment does not reach its destination, how do I track it?

With any Bill Pay, payment or tracking questions, please call our service provider directly at (800) 877-8021 between the hours of 7:00 a.m. and 1:00 a.m. eastern time, 7 days a week.