Online Banking Requirements
To access your account online, you must enroll in Online Banking. Online Banking access requires a modern operating system, Windows 10/11, of the latest MacOS and an internet connection. PFFCU Online Banking is compatible with the current versions of Microsoft Edge, Chrome, Safari, and Firefox.

Security
Because your account’s security is important to us, we have elected to use the highest level of encryption currently available in web browsers. 2048-bit encryption guarantees that any traffic between you and our Online Banking server will be unreadable to anyone else. The 2048-bit encryption ensures the highest level of security available.

In addition to requiring 2048-bit encryption, which is the highest level of security available, Online Banking also utilizes SSL technology to deliver data encryption message integrity and server authentication. The security lock in your browser’s address bar lets you know your online banking session is secure.

Internet Settings
For Online Banking to work correctly, you must enable your browser to accept cookies, and JavaScript should be enabled.

The “cookies” set by Online Banking are used to maintain your browser’s state information while you use the latest version of Online Banking. This is a feature added to make the service quicker and more reliable. We do not use the cookies to breach your privacy in any way; they are only set while you are accessing Online Banking and are deleted automatically as soon as you close your browser. In most browsers, you can set your browser to prompt you whether you want to accept cookies. We are aware that some companies use “cookies” to track you for advertising and demographic purposes. We do not do this.

Support
PFFCU will gladly help you with the most common problems you may encounter using Online Banking. Please note that questions about your browser should be directed to your browser’s manufacturer. You will often find more helpful information under your browser’s Help menu. For questions or comments concerning Online Banking security, please get in touch with Member Service at 215.931.0300 or 800.228.8801.

Did You Forget Your Online Banking ID or Password?
If you forgot your Online Banking ID or Password, call 215.931.0300 or 800.228.8801, and a Member Service Representative will assist you. You may reset your Online Banking ID or Password using the Forgot Login steps. Enter your Online Banking ID at the top of the page and click “Forgot your Password,” enter your Login ID, and complete the steps to create a new password. If you forgot your Online Banking ID, click “Login” then “Forgot Login” and complete the steps.

Mobile: Tap “Forgot Login” and complete the steps to create a new password or unlock your Login ID.

Secure Access Code
A Secure Access Code has been added as an extra security layer that helps to protect your Online Banking information. You can select to receive your Secure Access Code through text or phone. After your initial login, you can register your device to avoid using a Secure Access Code each time you log in to Online or Mobile Banking. For security reasons, you should not register any device you do not own (e.g., public or work computer). You should never share your Secure Access Code with anyone, and PFFCU will never call, email, or text you to ask for it.

Transaction Authorization Code
Transaction Authorization Code (TAC) is an optional security feature. Adding a TAC to your account means that whenever you or a joint owner (if any) on your account transact with PFFCU by phone, by mail, or in person, the TAC must be provided (along with any other requested identification information). You may add a general Transaction Authorization Code (TAC) to your account by completing and submitting a TAC form.

For your convenience, we have included this form online. We require two forms of identification, and one form must be a valid driver’s license, non-driver’s identification, police, fire or military identification, or passport. In the alternative, a signature may be notarized. You may bring this form to any of our Branches or send it in by mail. Please mail all TAC forms to PFFCU, 4 Greenwood Square Office Park, 3325 Street Road, Bensalem, PA 19020, Attention: Admin Services.

The PFFCU Debit Card can be used worldwide, anywhere Visa is accepted.

Due to the high amount of fraud occurrences, if you wish to use your Debit Card when traveling, you must notify PFFCU by calling or setting travel notifications in the Card Management section of Online/Mobile Banking. Additionally, the use of the PFFCU Debit/Credit Card is not permitted in specific countries:

• Afghanistan
• Albania
• Belarus
• Brazil
• Bosnia and Herzegovina
• Bulgaria
• Central African Republic
• Croatia
• Cuba
• Democratic Republic of the Congo
• Ethiopia
• Iran
• Iraq
• Kosovo
• Lebanon
• Libya
• Macedonia
• Mali
• Montenegro
• Myanmar
• Nicaragua
• North Korea
• Romania
• Russia
• Serbia
• Slovenia
• Somalia
• Sudan
• South Sudan
• Syria
• Turkey
• Ukraine
• Venezuela
• Yemen

Your PFFCU VISA Credit Card and PFFCU Debit Card have various fraud detection and prevention measures to ensure your security. We employ sophisticated software to spot suspicious activity to limit a thief’s use of the member’s card. If a fraudulent charge does occur at home or abroad, you can rest easy knowing you have $0 liability on unauthorized purchases when you report the problem promptly.

Due to high incidences of fraud, using Visa Credit Cards for cash advances obtained through Western Union and/or at a cashier’s cage in a casino is not permitted.

To help keep your personal information secure, we encourage you to allow us to scan your photo identification into our system when you visit a Branch. This lets us quickly identify you when you visit any of our Branches and helps us prevent unauthorized access to your PFFCU accounts.

We feel so strongly about protecting your account that if you decline our request to scan your photo identification, we will require that you put a Transaction Authorization Code (TAC) on your account. A TAC is a security code that you select, and once set, is required to be given to perform a transaction or release information about your account. Even if someone obtains your name and account number, our staff would still deny them service without the correct TAC.

You can also choose not to receive paper statements and view your account information online if you are concerned about someone stealing your statements from the mail.

If you believe you may have been a victim of personal identification theft, you should contact a PFFCU representative by phone at 215.931.0300 or 800.228.8801 to report suspicious account activity or provide information about what you believe to be suspicious activity. We can also help you take the steps necessary to restore your good credit. You may also call the NCUA’s Fraud Hotline at 800.827.9650 or file a complaint with the Internet Crime Complaint Center.

Additionally, the three credit reporting agencies (Equifax, Experian, and TransUnion) offer several methods to help protect you from identity theft.

Fraud Alerts help prevent accounts from being opened in your name and act as a red flag on your credit report. You can place a Fraud Alert on your file by contacting one of the three credit reporting agencies; since the three agencies share information, you do not need to contact all three.

• Equifax: 877.576.5734; equifax.com/personal/credit-report-services/credit-fraud-alerts/
• Experian: 888.397.3742; experian.com/fraud
• TransUnion: 800.680.7289; transunion.com/fraud-victim-resources

There are three types of Fraud Alerts available:

• An Initial Alert is active for up to 90 days on your account. You should activate an Initial Alert if your personal information (Social Security number, date of birth, etc.) has been compromised. Once activated, potential creditors must verify your identification before extending credit, so you should provide them with a phone number where you can be easily reached.
• An Extended Alert is recommended for victims of identity theft. It offers seven years of protection, removes your name from pre-screened credit/offers marketing lists for five years.
• If you’re in the military, you are eligible for a Military Fraud Alert, preventing anyone from establishing credit in your name while overseas.

An Initial Fraud Alert stays in your file for at least 90 days. An Extended Alert stays in your file for seven years. If you’ve activated any Fraud Alert and want to apply for a loan with PFFCU, please let us know so we can help you avoid delays in processing your application. To remove a Fraud Alert, you must make a written request with one of the three credit reporting agencies.

Messaging frequency depends on account activity. For more information, text HELP to 23618. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device.

For Fraud Alerts support, call 215.931.0300 or 800.228.8801. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 23618 for help or call 215.931.0300 or 800.228.8801. STOP instructions: Text STOP to 23618 to cancel.

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of wireless carriers may interfere with messages delivery for which the carrier is not responsible. Carriers do not guarantee that alerts will be delivered.

You can help prevent fraud by taking a few simple precautions:

• Never provide your personal information in response to an unsolicited request.
• If you believe an email contact may not be legitimate, contact the sender to verify it.
• Never provide your user names, security codes, account numbers, or passwords over the phone or in response to an unsolicited request.
• Never submit personal or confidential information through a website that does not have a lock icon, tune icon, or https:// displayed in your web browser’s location bar.
• Review your account statements regularly to ensure all your information, including all transactions, is correct.
• Set up Account Alerts in Online/Mobile Banking to be notified when certain transaction types or changes to your balance occur.