Online Account Opening FAQs

• A valid U.S. address and Social Security number are required.
• If you are 18 years of age or older, you will also need to provide a form of ID. Currently we can only accept U.S. passports, Driver’s License, or State Issued ID Card.
• You will be required to provide personal information, including your date of birth, and former mailing address(es).
• If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, we will be unable to enroll you online. Please visit one of our branches for assistance.

In most cases, you will receive a member account number right away. In some cases, further verification is required before your account number can be issued.

You'll need the same information that's required when opening an individual account, but you'll need it for both applicants. Please note that each applicant will need to e-sign the membership application.

The processing of your application is subject to our ability to verify your identity.

You should receive your card within 7 to 10 business days.

PFCU uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding "decoder," the transmission would look like nonsense text and would be unusable.

Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.

Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct "decoder" in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is - the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).

A $5.00 initial, refundable membership deposit is required at time of opening to maintain your membership in PFCU.

We verify potential member identities through documentary identification (ex: driver’s license, non-driver’s id, passports) and non-documentary identification sources (ex: third-party authentication systems and/or types of credit bureau verification).

No, not at this time. You will need to call our Member Service department at 215-934-3500, or visit a branch to open an IRA.

Yes, just remove the check mark next to these items on the Account Option screen.

You can create your own password for online banking and your own PIN for Teller Phone, our Automated Voice Response system. A randomly generated PIN will be assigned to your debit or ATM card, which you will receive in the mail. After you receive your card, you can change the PIN when calling to activate your card, at any PFCU ATM location, or by visiting one of our branches with valid identification.

Yes. To set up direct deposit, you will need to provide your employer payroll department with your new member account number and our ABA/Routing number. Our ABA/Routing number is 236084298. You can also quickly and safely move automatic payments and direct deposits from old accounts to your PFCU account with our ClickSWITCH portal, which only takes ten minutes to set up.

Yes, you may sign up for Bill Payer by logging in to Online Banking and clicking the Bill Payer link.

Yes! You can apply for a loan online or at any PFCU branch.

You may call our Member Service area at 215-934-3500, Monday - Friday from 8:00 a.m. - 6:00 p.m. and Saturday from 8:30 a.m. – 2:00 p.m. You may also email the Member Service area at [email protected].

In order to establish an IRA with PFCU, an IRA Simplifier must be completed. To obtain this form as well as an IRA contribution and IRA transfer forms, please contact Member Service at 215-934-3500, Monday - Friday from 8:00 a.m. - 6:00 p.m. and Saturday from 8:30 a.m. – 2:00 p.m.

A hold will be placed on checks deposited to new accounts for 7 business days.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency. IRA shares are insured separately up to $250,000.

A listing of the current dividend rates for each share can be obtained by clicking links found on product pages or click here for a full listing of current dividend rates.

There are no fees for opening an account online. You can click here for a full fee schedule for members and businesses.

When opening your account, a $5.00 initial, refundable membership deposit is required to maintain your membership in PFCU.

Statements are created monthly for members with checking accounts. Members with only a savings account will receive quarterly statements.

Accounts may be funded with a debit or credit card (Visa, Mastercard, American Express or Discover) or U.S. bank account.