Please
feel free to email or
call us with any questions, however you may find your answer by reading
through the following Frequently Asked Questions.
General Information
Troubleshooting
Message Center
My Account
Bill
Payer
Transfer
funds
Service Center
Features
Security
General Information
How do I sign-up for PC EXPRESS?
You can apply
for PC EXPRESS online, at one of our six conveniently
located branches, or
by calling 215-931-0300 or 800-228-8801. PC EXPRESS is
free and you will be able to access your account within one business
day.
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Can
I access my account through AOL?
Some members are unable to access their account via AOL 6.0. If
you are experiencing problems connecting to your PFFCU account via
AOL, we recommend that you download the latest web browser and associated
patches to access your account. This will not replace your AOL internet
connection, merely work with it.
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Do
I need my own computer to access my account?
No. You can use any computer with Internet access and a high security
browser. Remember to configure your computer before accessing your
account.
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What
configuration will I need?
Downloading the latest web browser and all associated patches is
recommended to access your account online.
128-bit encryption is required to access your account. To determine
if you have 128-bit encryption, in Microsoft Internet Explorer, go
to Help and then click on About Internet Explorer. It should read "Cipher
Strength: 128-bit". If your browser does not support 128-bit
encryption, the High Encryption Pack from Microsoft can be downloaded
by clicking here.
Firefox users have 256-bit encryption by default. Your
PC must be configured to accept cookies and JavaScript.
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Why
does PC EXPRESS require cookies?
The cookies set by PC EXPRESS are used to maintain your
web browser’s “state
information”. This is an feature added to make the service
quicker and more reliable, as well as to ensure your privacy and
a secure online experience. We do not use the cookies to breach
your privacy in any way; they are only set while you are accessing
PC EXPRESS and will automatically be deleted as soon as
you logout of PC EXPRESS
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In most browsers you can set your browser to prompt you whether
you want to accept cookies.
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How
long does it take PC EXPRESS to display transactions?
PC EXPRESS will display account transfers immediately. Bill payments
will typically go out on the day that you specify, however if you
specify that a bill is to be sent on the same day that you submit
this request, it will not go out until the following business day.
ATM transactions will appear the following business day.
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How
long will transactions appear in PC EXPRESS?
Your transactions will appear for up to 6 months in PC EXPRESS.
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Why
do I have to re-fill out all the information that
I submitted after
I click on the "Back" button following the submittal
of an application?
All required fields in an application must be completed before
an application can be submitted. If a field is left blank, it is
necessary to return to the application to complete the field. If
all of the information previously entered is not visible, the browser
is not set to save encrypted pages. This will ensure your secure
and private online experience.
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Troubleshooting
Why do I receive the message that
there are no available connections?
This message indicates one of two things. More than likely, the
reason you received this message is due to the fact that you
are using a
bookmark to access PC EXPRESS. We do not recommend bookmarking
PC
Express, as we are continually enhancing the system
and you are not always accessing the latest version of PC EXPRESS when
you use bookmarks. If you are going to bookmark any page, we
recommend that you bookmark
this page: http://www.pffcu.org/services/services_pcx.asp
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Another reason you are receiving this message may be due to the
fact that there are an exceptionally high number of members accessing
their account at the same time that you are. If this is the case,
please try accessing your account again, as we recently added lines
for PC EXPRESS and there should be enough lines to accommodate a
great deal of PC EXPRESS users at any given time.
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I
just tried to access my account and I could not login to my account.
What should I do?
Every
effort is made to have PC EXPRESS available 24/7. However, at the
end of each month, PC EXPRESS is unavailable for approximately
two hours while our systems are prepared for the new month's activity.
This typically occurs about two hours after the close of business
on the last day of the month, so you should be able to log back into
your account approximately four hours after the close of business
on the last day of the month. If this problem occurs and it is not
the end of the month, you should wait a few minutes and then try
to log into your account again.
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Why does PC EXPRESS time out?
PC EXPRESS sessions time-out after 10 minutes of inactivity.
In other words, if you spend more than 10 minutes on any page
and you are not performing transactions, your PC EXPRESS session
will safely terminate. To ensure that members are able to connect
to PC EXPRESS, 30 minutes are allotted per PC EXPRESS session.
If more than 30 minutes are needed to conduct business, log
onto PC EXPRESS a second time. PC EXPRESS allows unlimited
access free of charge.
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Why is it taking so long to connect?
Several factors effect how long it takes to connect to an Internet
site. Internet connection speed could be one reason. Also,
general “internet traffic” may be another issue
which may slow your online experience. The Internet is most
busy during weekdays, at the beginning of the business day,
and between 11am and 1pm.
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I bookmark PC EXPRESS?
For the best results, we recommend bookmarking the following page:
http://www.pffcu.org/services/services_pcx.asp
However, bookmarking the PC EXPRESS login page is not recommended,
as we are continually enhancing the system. The latest version of
PC EXPRESS
is not always accessed when bookmarks are used.
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When
I try to access PC EXPRESS, it tells me that I am not an authorized
user. Why?
Because a PIN and password are required to access PC EXPRESS, an
application is required to establish the service. An application
can be completed
online, at any of our six conveniently
located branches, or by calling 215-931-0300 or 800-228-8801. Your
PC EXPRESS PIN will also be used for Express Banker.
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Message Center
I got a message that says I have a new message.
What does this mean?
This means that you have a message in the message
center. If you click on message center and then click
on read mail this will open the message.
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How do I delete a message?
When you open the message
there is a box in the right hand corner to delete mail,
click the delete mail box and then click submit.
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How do I send a message to PFFCU Member Service?
To send a message to PFFCU Member Service click
on the Message Center
tab on the left hand navigation list, type your message, click next and then
click Submit.
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My Account
What account history can be viewed
You can view account history for the last 6 months on PC EXPRESS
for all of your shares and loans.
How can I view and print checks?
From the My Account section of PC Express,
you can now view and print checks you've written during the
past 6 months. You can access this feature from the Account
Summary page by clicking on your S4 Checking Account. The
most recent 30 days of account activity will be displayed. Click
on either a check number or the "View Draft" link
to see an image of a check you've written. You can view older
checks from the most recent 6-month period by selecting the month
the check was processed from the Date drop-down list at
the bottom of the checking account screen.  Then
click the check number or the "View Draft" link
to see an image of the check.
Checks may be available 24 hours after they have been
processed. Due to check processing system constraints,
1% of checks may not be available for online viewing.
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What is an advanced history search?
An advanced history search is where
you can retrieve transactions for an account within a specific time
period with the ability to
filter the results by transaction category, a dollar amount, or
number to display.
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What is an available balance?
An available balance is the funds you have available for
use in your account.
This may differ from your balance due to pending transactions.
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What is overdraft protection?
Overdraft protection is a free service that PFFCU
offers. If the funds are not
available in your checking account, you can designate your savings account t
automatically provide overdraft protection for your Power Checking account.
If you have a Personal Line of Credit, it can also provide overdraft
protection.
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What are pending transactions?
Pending transactions are transactions that have been authorized
against your account, but have not posted to your account.
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Bill Payer
How do I sign up for Bill
Payer?
Signing up for Bill Payer is simple and fast. To sign up online, all you need
is your account number and mailing address for your merchant. Enroll
online today!
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How do I pay bills
through Bill Payer?
From the Bill Payer menu, click on "Bill Details",
decide which bill you wish to pay, then select "Change Bill" or "Pay
Bill" in
the box that lists the payment date. Choose the payment date and
the amount. Hit "Submit" and it’s done.
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Will I still receive
my bills in the mail?
Yes. When your bill arrives, simply access Bill Payer and submit
the amount that you wish to pay.
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How long does it
take PFFCU to pay my bill?
You should allow 7-10 days for merchants to receive your payment.
Bill payments are typically processed the following business day,
however Fridays and holidays are the exceptions to this rule. Bill
payments scheduled before 6pm on a Friday will be processed the following
Monday morning. Bill payments submitted after 6pm on a Friday will
not be processed until the following Tuesday morning. Legal holidays
that fall on a business day push bill processing back one full business
day.
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How do I add a
bill?
From the Bill Payer menu, select Add Bill. Enter
the information for the designated merchant, and choose "add
bill" from the drop down menu.
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How do I modify
merchant information?
From the Bill Payer menu, select Add Bill. Enter
the information for the designated merchant, and choose "modify
merchant" from the drop down menu.
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Why is my merchant
payment address different than the one I receive in my mail statements?
Many of the bills that PFFCU sends out are electronic payments. Organizations
such as PECO, Bell Atlantic, PGW, and many credit card and retail
shopping companies receive electronic payments so their mailing address
is different than the address to which paper bills are sent.
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Can I pay my VISA
bill through Bill Payer?
You can pay your VISA bill via Bill Payer by signing up for our FREE
Bill Payer service and adding the address that is listed on your
statement to your Bill Payer account.
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Transfer Funds
How do I set
up to transfer from one member number to another member
number?
Transfers from one member to another or a different
account for the same member can be established on the
PC EXPRESS application. Indicate the account numbers
for the transfer and the change will be set-up within
one business day.
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What is the memo field on the funds transfer
screen?
This field is for any memos that you would like
to make a note of in reference to the transfer.
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Why can’t I transfer all of my money out
of my S1?
There is a minimum balance requires in the S1 of
$5 to keep the account open. These funds are not available
for transfer.
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Service Center
I am moving. How do I enter my new mailing address?
To
change your address click on Service Center, then click
on change address,
enter your new address information, click on New Address and
Click submit.
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How do I correct my existing mailing address?
To change your address click on Service Center,
then click on change address, enter your correct address
information, click on Correct Current
Address and Click submit.
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What is Member info?
Member info is your account information, your
name, address, social security number, and birth date.
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What is s stop payment?
A stop payment is when a member requests a stop
to be placed on a particular
check or ACH withdrawal.
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Is there a fee associated with stop payments?
There is a $10 fee for a stop payment.
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How
do I change my PIN / password?
To change your PIN / password click on Service
Center, click on change password, choose PIN or password,
enter New PIN or password, confirm
new PIN or password and click submit.
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Will changing my PIN/ password affect my ATM or debit card?
Changing your PIN/ password will not affect
your ATM or debit card. It is used only for logging into
PC EXPRESS and Express Banker.
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I got an error message when trying to reorder
checks. Why?
If you received an error message stating that
your address had changed from your last check order, you
will
need to contact Member Service at 215-931-0300 or 800-228-8801
to place your check reorder.
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What is card maintenance?
Card maintenance is where you can report your
ATM/ Debit card lost or stolen or activate a new PFFCU
ATM or Debit card.
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How do I report my ATM or debit card lost or stolen?
In PC EXPRESS, go to Service Center. Click on
card maintenance, click on report lost or report stolen,
click
next, then click submit.
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How do I activate my new ATM or Debit card.
To
activate your new card in PC EXPRESS, click on Service
Center, then click on Card Maintenance. Click on the account
number of the new ATM or Debit Card. Next, click on Activate
card.
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Features
Can I download my financial
data into Quicken or MS Money?
Members wishing to download account information into
Microsoft Money may do so by clicking on the EXPORT button
below the LOGOFF link from within PC EXPRESS.
Please
be sure
the transaction history is showing before attempting
to export the account information. Quicken 2005
does not interface with PC EXPRESS, so exports
from PC EXPRESS
may only be completed with versions prior to Quicken 2005.
NOTE: The reason PFFCU does not support
data export to Quicken 2005 is because Quicken now
charges financial institutions of our size a $20,000
annual fee ($15,000 for licensing and $5,000 certification).
PFFCU does not have a sufficient number of members
who use the Quicken product to justify such a large
annual expenditure.
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Can
I purchase an IRA certificate online?
To purchase an IRA certificate online, please visit our IRA
Service Center and click on "Open an IRA". Regular certificates
may be purchased via your PC EXPRESS account or through the Share
Account application.
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Can
I open a PFFCU Certificate through my PC EXPRESS account?
You can open a regular, PFFCU Certificate via PC EXPRESS by clicking
on the "Buy Certificate" option in PC EXPRESS.
PFFCU certificates are consistently superior to the competition.
Terms
range from 3 months to 5 years, offering higher yields for longer
terms. There is a minimum balance of $500, however you'll earn
a higher yield on JUMBO certificates with a minimum balance of
$50,000. Savings are insured up to $350,000.
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How do I pay my Visa online?
To pay your Visa online you would transfer the funds to your
Visa accumulation account. The funds will be swept out of this account
within one business day and will be posted to your Visa in two business
days.
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What is a Visa accumulation account?
The Visa accumulation share that is for making Visa payments.
Transfer the funds to this account and the funds will be swept out
of this account within one business day and will be posted to your
Visa in two business days. Call our Telephone Member Service department
at 215-931-0300 or 1-800-228-8801 or transfer funds directly to this
share via PC EXPRESS or Express Banker to make your Visa payment.
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Why can’t I see my Visa transactions through PC EXPRESS?
If you would like to access your Visa information online
then you do need to sign
up for this service separately. You
will need to click on the left hand side of the screen on Enroll
for services. You will need to choose a username and password.
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Security
Is it safe to access my account through
PC EXPRESS?
Yes. PC EXPRESS is very safe, as it requires 128-bit encryption
or higher.
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How
do I ensure that my PC EXPRESS session is secure?
In addition to requiring the 128-bit encryption, which is the highest
level of security available, PC EXPRESS also utilizes SSL technology
to deliver date encryption message integrity and server authentication.
The security lock in the lower, right-hand corner ensures that
your session is secure.
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Why
do I need the 128-bit encryption to access my account?
Security is very important to us and the 128-bit ensures the highest
level of security available. This enables the use of over 300,000,000,000,000,000,000,000,000
possible key combinations for securing your information.
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I
forgot my
PIN and password.
You must call us at (215) 931-0300 or (800) 228-8801 to retrieve
your PIN and password. You will be asked to provide detailed information
about yourself to retrieve this information.
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What
happens if PC EXPRESS does not accept my PIN and password?
This generally indicates you have entered the wrong PIN and/or password
more than five times and PC EXPRESS automatically denies you access
to your account. To access your account, you must call Member Service
at (215) 931-0300 or (800) 228-8801 and request that one of our
representatives reset your PIN and password.
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Why
don’t
I see the security lock in the bottom corner of my web
browser?
Please make sure you are using the latest web browser
with all associated patches. The latest versions of all
web browsers include at least 128-bit encryption, which
is a requirement for using PC EXPRESS.
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How
do I block other users on my computer from viewing my PC EXPRESS
account?
Deleting your history file will prevent other users on your computer
from viewing your PC EXPRESS account. The latest version of Microsoft
Internet Explorer, click on Tools/ Internet Options and then click
on Clear History. Click OK. Then set the browser to not to save
encrypted pages.
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