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Member Benefits
PC Branch: Frequently Asked Questions
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You may click on a specific question to be linked to the answer of
that question or scroll down to read all questions.
How
do I register for PCBranch?
How do I reset my PIN if
I have forgotten it?
What is PC Branch?
What types of transactions can I do online?
Does USAgencies PC Branch include a bill pay service?
How much does PC Branch cost?
Is it
difficult to learn to use PC Branch?
How do I sign
up for PC Branch?
Can I access or view my family
member accounts?
Can children's accounts be enrolled
in PC Branch?
Can I apply for loans using PC
Branch?
Can I obtain loan payment estimates using PC
Branch?
When I look at the deposit information, why
is my "Company description" listed as "PARATRANSIT SVCS"?
Can I authorize a Joint Owner to access my account using PC
Branch?
Is the Internet safe and secure for online
account access?
How can I keep my account
information confidential when using PC Branch?
Can I
use PC Branch with a MAC?
Can I download to
Microsoft Money® or Excel?
What
kind of browser do I need?
Why should I clear my
browsers cache, and how do I do this?
Can I use PC
Branch overseas?
What is 128-bit encryption?
Can I pay bills using Microsoft
Money®?
What days and hours can I use PC
Branch?
I can't connect to PC Branch. What should I
do?
When will my PC Branch transactions post to my
account(s)?
How do I make a payment on my Credit
Card Account?
Can I make transfers to my family
accounts held at USAgencies credit union?
Can I e-mail USAgencies credit
union?
Is the Internet safe and secure for online account access?
What kind of Browser do I need?
< Return to PC
Branch
 How do I register for PCBranch?
 Signing up for
PCBranch has never been easier. You can now register for PCBranch and begin
using it within just seconds. To register, click on "Register for PCBranch."
You will be prompted to key in four pieces of information which collectively
should be only known only to you. You will need to provide your member number,
your date of birth, your Social Security Number, and your Security ID. Your
member number is the number found at the top of each statement you receive from
USAgencies Credit Union. Your Security ID is the code which you set on your
account to prevent unauthorized access. This is not to be confused with your
ATM or MARS PIN. Provide this information in the specified format (no dashes
with the SSN and month/day/year for your date of birth). Once you have
completed the form just click on OK. If your information is correct then you
will be prompted to create a PIN which you will use to login to PCBranch in the
future. Set your PIN and then click OK. You will need to agree to the Personal
Computer Banking Agreement and Disclosures by scrolling down and clicking on OK
before you can complete your registration. You have now successfully registered
for PCBranch. For your protection, you will not be able to conduct
transactions, only view balances, until we have verified your registration, a process which should take no more than two business days.
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How
do I reset my PIN if I have forgotten it?
If you have forgotten
your pin and wish to reset it, all you have to do is click on "Reset My PIN"
and provide PCBranch with the necessary information to verify that you are who
you say you are. You will be prompted to key in four pieces of information
which collectively should be only known only to you. You will need to provide
your member number, your date of birth, your Social Security Number, and your
Security ID. Your member number is the number found at the top of each
statement you receive from USAgencies Credit Union. Your Security ID is the
code which you set on your account to prevent unauthorized access. This is not
to be confused with your ATM or MARS PIN. Provide this information in the
specified format (no dashes with the SSN and month/day/year for your date of
birth). Once you have completed the form just click on OK. If your information
is correct then you will be prompted to enter a new PIN. Once you have set your
PIN, click on OK. You will now be able to login to PCBranch. However, if you
have locked yourself out due to too many failed login attempts you will need to
either contact the credit union or wait twenty-four hours from the time at
which you locked yourself out before you can login with your new
PIN.
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What
is PC Branch?
PC Branch is a secure remote account access service provided to our
members worldwide through the Internet. Members registering for this service
can view their accounts, make transfers between their Membership Share Savings,
Checking, Money Fund and selected accounts, make payments to USACU loans,
transfer funds to joint USACU accounts, and perform other miscellaneous member
services.
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What types of transactions can I do online?
Transactions, which
can be performed using PC Branch, include:
- Obtain balances and other account details on your Share,
Investment and Loan accounts.
- Obtain Year-To-Date and Last Year-To-Date Tax Information
regarding interest received and paid on your accounts (excluding credit card
accounts).
- Make transfers between your Membership Share, Money Fund
and Checking accounts and make transfers to your Holiday Club or from your
SuperSaver account.
- Make transfer payments from your Membership Share, Money
Fund, SuperSaver and Checking accounts to pay your consumer loans, Line of
Credit, Overdraft Protection, VISA, VISA Gold and MasterCard accounts.
- Make transfers from your Membership Share, Money Fund and
Checking accounts and advances from your Line of Credit and Overdraft
Protection loan accounts to other membership accounts on which you are a Joint
Owner.
- Withdraw from $25 up to $1,000 from your Membership
Share, Checking or SuperSaver account, or from $100 up to $1,000 from your
Money Fund account (depending on available balance) by check, to be mailed to
one of your existing addresses of record (alternate address in effect, mailing
address, or residential address) the following business day.
- Obtain loan advance transfers from $25.00 up to $10,000
(depending on available limit and account status), from your Line of Credit and
Overdraft Protection loans to your Membership Share, Checking, Holiday Club or
Money Fund accounts.
| Account Type |
Minimum Advance |
Maximum Advance |
| L38 |
$25 |
$10,000 |
| L40 |
$25 |
$5,000 |
| L41 |
$25 |
$1,000 |
| L42 |
$25 |
$250 |
- Obtain loan advances of $25.00 up to $1,000 (depending on
available limit and account status), from your Line of Credit and Overdraft
Protection loans to be mailed to one of your existing addresses of record
(alternate address in effect, mailing address, or residential address) the
following business day.
| Account Type |
Minimum Check |
Maximum Check |
| L38 |
$25 |
$5,000 |
| L40 |
$25 |
$1,500 |
| L41 |
$25 |
$1,000 |
- Request/place a stop payment on a check or range of
checks. When using PC Branch to place stop payment requests, we will consider
this as written verification to place the stop payment.
- Review up to a minimum of 60 days of transaction activity
on your Share, Investment, and Loan accounts including the payment date and
amount for any specific Check or Line of Credit Check paid and the date and
amount of any deposit or dividend/interest credited to your Saving or
Investment accounts.
- Obtain selected information on your loan accounts,
including information such as the balance, due date of the next payment and the
amount necessary to pay off your loan on a specific date.
- Obtain the dividend rate, maturity date, date and last
amount of interest paid, and the current value of any of your Investment Share
Certificates or IRAs.
- Download selected transactions from your Share,
Investment and Loan accounts to personal financial management software
including Money®.
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Does USAgencies PC Branch include a bill pay
service?
Yes, you can pay bills by enrolling in USACU's Bill Pay Service by clicking on the Pay Bills Link within PCBranch. There is no cost to use this service.
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How much does PC Branch
cost?
USAgencies Credit Union is pleased to offer this Internet account
access service free of charge. You will be prompted to continue if you request
information that will incur a fee. (for example requesting a copy of a
check).
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Is it
difficult to learn to use PC Branch?
No. PC Branch is very intuitive and easy to
use. In most cases you just point and click, or fill in requested information.
Additionally, there is an online help function, which will assist you in many
areas.
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How do I sign up for PC Branch?
You can
request PC Branch service by submitting the Online Registration Form on USACU's
Web site (http://www.usacu.org). After your request has been processed, USACU
will send you a letter, via the U.S. Postal Service, with your Temporary
Password. Upon receipt of this letter you can immediately log on to the service
by clicking on the "Log On" link in USACU's Web site.
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Can I access or view my family member
accounts?
When you log in to PC Branch, all accounts on which you are a joint
owner will be displayed. If you do not see an account for which you are a joint
owner, contact the credit union at info@usacu.org, and we will research the
problem. USAGENCIES CREDIT UNION STRONGLY ADVISES YOU NOT TO GIVE YOUR
PASSWORD TO ANYONE, INCLUDING YOUR FAMILY MEMBERS, UNLESS YOU AUTHORIZE THEM TO
HAVE FULL ACCESS TO ALL OF YOUR SAVING, INVESTMENT AND LOAN ACCOUNTS YOU HAVE
ASSOCIATED WITH YOUR MEMBERSHIP NUMBER NOW AND IN THE FUTURE.
If you allow access or give your password to anyone they will be able to see
all transactions on ALL of your accounts with USAgencies Credit Union. For
example, if you have a Joint owner on your Membership Share Account who is not
on your Checking account, by giving them your password, you are allowing access
to your Checking account as well as your Membership Share Account. You will
be liable for any transactions this person makes on your account.
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Can children's accounts be enrolled in PC
Branch?
For the account of a minor child under the age of 16, the parent or
legal guardian who is a joint owner on the account must authorize access.
Online registrations for minors under the age of 16 will not be accepted. You
can request a PC Branch registration form be sent to you via e-mail at
info@usacu.org. Complete the PC Branch
registration form and return it to the credit union by mail or in person. Both
the minor account holder and parent or legal guardian must sign the form, or
the parent or legal guardian must sign the minor child's name in addition to
their own. A confirmation letter will be mailed to the address of record with
the information on how to access the minors account.
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Can I
apply for loans using PC Branch?
Yes. Credit Union members can use PC Branch
to apply for new loans and in many instances receive immediate conditional
approval of loan requests. When you apply for a loan via PC Branch, you are
using a secure internet site, which ensures the confidentiality of your
financial information.
In addition to submitting loan applications,
you can:
- inquire as to the status of previous loan requests,
- send e-mail messages to your loan officer
- use our loan calculator to determine payment amounts
based on various loan terms, rates, and amounts financed.
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Can I obtain loan payment estimates using PC
Branch?
Yes. You can obtain loan estimates without logging into PC Branch.
Simply click on the "Loans" button to determine which loan may best fit your
needs. When you are ready to apply for a loan, you will need to log in to PC
Branch.
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When I look at the deposit information, why is my
"Company Description" listed as "PARATRANSIT SVCS"?
Companies who use
ADP, Inc. to process their payroll will be listed as PARATRANSIT SVCS in the
"Company Description" and the "Show Details" screen of the "Deposits" menu.
However, when you look at your account transaction history (by clicking on the
"Accounts" button then the "View More" button) the actual company name will be
displayed.
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Can I authorize a Joint Owner to access my account
using PC Branch?
Yes. You may authorize your Joint Owner(s) to have
access to your account via PC Branch. However, there really isn't a need to do
so unless your joint owner does not have an account in their own name. All
accounts on which a person is a joint owner should display when they log into
their own account using their own password.
However, if you do
give your account number and PC Branch password to your joint owner, you should
remember that they will have access to view all of your account information,
transfer funds, make payments to your loan accounts and request loan advances.
For security, any check requests for advances or withdrawals will be written in
your name. USAgencies Credit Union strongly advises you not to divulge your
password to anyone, including Joint Owners, unless you authorize
them to have FULL access to all of your USAgencies Savings, Investment, and
Loan accounts you have associated with your membership number now and in the
future.
We strongly recommend that joint owners open a separate
USACU Membership account in their own name, and register for access to PC
Branch using their own account. By doing this, they will have access to
any account on which they are a joint owner without needing to access your
account using your PC Branch Password.
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Is
the Internet safe and secure for online account access?
When you are using PC
Branch, you are using a secure site. USAgencies Credit Union is committed to
online technology and has taken steps to ensure that accessing your accounts
via the Internet is safe and secure, by implementing state-of-the-art security
standards.
Additionally, we allow you to select a password of your
choosing that will be easy for you to remember and keep "secret." This password
is used to authenticate you each time you log on to the PC Branch system, prior
to allowing you to begin viewing your information. The confidentiality of your
accounts is maintained as the data is passed from our host computer to your
personal computer in an encrypted format, where your browser then decodes the
information for you to view. This prevents the data from being intercepted
and/or viewed by an unauthorized third party.
USAgencies Credit Union
has also installed secure firewalls to ensure that no unauthorized access is
permitted. Additionally, each user session is set up for a specific period of
time; when it is exceeded the session times out. If your session times out and
you are not finished using PC Branch, you will need to log on again. This
reduces "the window of opportunity" for an unauthorized user to access your
account information if you walk away from your computer without logging off of
PC Branch. And, you must reenter your password each time you request a
transaction using PC Branch. This further prevents someone from conducting a
transaction on your account if you should happen to leave your PC connected to
PC Branch. Every effort was made along the way, as the system was designed and
developed, to ensure that this system is as secure as possible.
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How can I keep my account information confidential
when using PC Branch?
USAgencies Credit Union is confident that we have taken
all of the necessary security precautions to ensure that our Internet account
access service is secure and that your account information remains
confidential. However, it is also your responsibility to play an active role in
protecting the security of your accounts. Following are ways that you can
protect yourself and your accounts:
Never share your password with
anyone-- even family members. If you are the only one who knows your password,
you have protected your accounts against unauthorized access. REMEMBER, NO
REPRESENTATIVE OF USAGENCIES CREDIT UNION WILL EVER ASK YOU FOR YOUR PC BRANCH
PASSWORD.
We recommend that you change your password on a regular
basis; however, you should change your password immediately if you think that
your password may have been compromised, and contact the credit union without
delay.
Do not walk away from your computer in the middle of an active
PC Branch session. If you are logged on, and walk away, anyone can sit down to
your computer and have immediate access to your account information. Always
remember to log off when you are finished with your session.
USAgencies Credit Union strongly recommends that you clear your browsers cache
after you leave the PC Branch site. This prevents someone else from being able
to view your account information that is temporarily stored on your computer.
You can clear your cache by closing down your browser and then re-initiate it.
For maximum security when viewing your account information over the Internet,
USAgencies Credit Union strongly recommends that you use a browser with
128-bit, U.S. security level, encryption.
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Can
I use PC Branch with a MAC?
Yes. However the information displayed may
appear differently depending upon the size of your monitor, the sizing of the
fonts selected, the display settings on your computer, the type of browser you
use and the version of the installed browser.
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Can
I download to Microsoft Money® or
Excel®?
One of the advantages of using PC Branch is the ability to quickly
reconcile your account. By using Microsoft Money or Excel, you can
download your account activity directly into your personal finance software. To
download account information your Browser must be set up to understand the file
type you are trying to download. If you click on "Download" and your browser
does not prompt you to "Save/Open" the file, see the Instructions for setting
up your browser by clicking on the Accounts Icon, then click on the View More
Icon for a specific account, then click on the Download Icon. Use your down
arrow to go to the Instructions on how to set up your browser. (The
"file/print" functionality of your browser can print the
instructions.)
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What kind of Browser do I
need?
To use PC Branch it is strongly recommended that you have a
personal computer (PC) with a secure browser which supports 128-bit, U.S.
security level, encryption. If you do not have a browser that supports 128-bit
encryption, it is recommend that you download the latest browser by
clicking here to return to the PC
Branch main information page and then clicking on the browser link of your
choice. At a minimum you must have Netscape 4.0, or Internet Explorer 4.01 or
newer to access PC Branch. Because PC Branch is accessed through the Internet
you do not need any special software. It works with both Windows (3.X, 95 and
NT) and with MACs.
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Why should I clear my browser cache,
and how do I do this?
After you leave the USAgencies Credit Unions PC Branch,
make sure that you clear your browser's disk cache to prevent someone else from
being able to access this information stored on your computer. You can clear
your cache by closing down your browser and then re-initiating it.
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Can I use PC Branch overseas?
Yes. Because PC
Branch is an Internet-based account access service, it is available worldwide.
However, you must have a compatible browser.
^ TOP ^
What
is 128-bit encryption?
Encryption is a process used to scramble confidential
data passed between two points so that it is not readable to others. 128-bit
encryption is the most secure encryption currently available for use on the
Internet. The "128" refers to the length of the encryption key used to scramble
the data; the longer the key, the greater the security.
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Can
I pay bills using Microsoft Money®?
You will not be able
to use Money to initiate payment of a bill through PC Branch. To use
Bill Pay, you must sign into PCBranch.
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TOP ^
What days and hours can I
use PC Branch?
PC Branch is available 24-hours a day, seven days a week. Home banking may experience limited availability during month end processing, which occurs during the evening of the last business day of each month.h.
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I can't connect to PC Branch. What
should I do?
If you receive the following message when you try to log in:
Problem signing on Sorry, that was not a valid member
number, SSN or password.
Please Return to the Sign On Section and try again.
You may have entered your membership number or password incorrectly.
Or, you may not be registered to use PC Branch. Only registered members may use
PC Branch. If you have received your post registration letter and password, and
you are still receiving this message please contact the credit union at
info@usacu.org. However, if you receive a
different error message, for example a message stating you do not have security
access; contact your Internet Service Provider (ISP), or if your are an America
Online (AOL) user, contact AOL for Technical assistance. Your browser security
settings may not allow you access to our secure server and may need to be
adjusted.
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When will my PC Branch transactions post to my
account(s)?
Transfers made through PC Branch will be immediately reflected in
the "Withdrawal From Account" Balance on your Transfer/Payment receipt, and
they will appear on the online Account Transaction History accessible through
the "Accounts" menu. Transfers will also be reflected on the Available Balances
on the Account Summary and View More Detail screens at the time that you submit
the transfer request.
USAgencies Credit Union business end of day
(EOD) is between 6:00 p.m. and 7:00 p.m. Pacific Time (PT), Monday through
Friday, with the exception of holidays. Transactions occurring after this time
period will be included in the next business day (e.g. a transaction made at
8:00 p.m. PT on Monday the 8th, will be included in the business day of Tuesday
the 9th; a transaction made on Friday the 12th at 9:00 p.m. PT will be included
in the business day of Monday the 15th).
Payments made to consumer
loans will be posted on the same business day as they are made. Payments made
to Credit Card Accounts, and MasterCard Home Equity Credit Lines may take up to
two business days to be posted to your account. Credit Card Accounts and
MasterCard Home Equity Credit Line information displayed in PC Branch is
updated weekly each Monday morning by 11:00 am PT (unless the Monday is a
federal holiday).
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How do I make a payment on my Credit Card
Account?
To make payments on your Credit Card Accounts, make a transfer to
the S90 Account for Visa Classic, S91 Account for Visa Gold, or S92 for
MasterCard in the amount you want to pay on the account. Each business day
afternoon at approximately 2:45 p.m., the funds deposited into these "sweep
accounts" are transferred out to the appropriate credit card account. Deposits
made into these sweep accounts after 2:30 p.m. may not be transferred until the
next business day.
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Can I make transfers to my family accounts held at
USAgencies credit union?
Yes. If you are a Joint Owner on an account, you may
transfer funds to the account. You do not need to be given PC Branch access to
the joint account to make these transfers. However, you cannot make transfers
to accounts on which you are not a joint owner.
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Can I e-mail USAgencies
Credit Union?
Yes, you can e-mail the credit union at
info@usacu.org or
loans@usacu.org. However, corresponding
with USAgencies CU in this fashion is not using a secure connection. While
using PC Branch, you are connected to a secure server. Information or messages
submitted in a loan application will be secure.
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Is the Internet safe and secure for online account access?
When you are using PC Branch, you are using a secure site. USAgencies
Credit Union is committed to online technology and has taken steps to
ensure that accessing your accounts via the Internet is safe and secure,
by implementing state-of-the-art security standards.
In November 2006, an enhancement to PC Branch, Multi-Factor Authentication
(MFA), will provide you with an added level of protection. With MFA,
you will know you are on the secure PC Branch website, not an imposter
site. We will also know that you are who you are, as you will need to
answer personalized security questions, or will need to log in from a
registered computer. For complete details on MFA, see the Frequently
Asked Questions about MFA under the PC Branch tab of our website.
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What kind of Browser do I need?
To use PC Branch it is strongly recommended that you have a personal computer (PC) with a secure browser which supports 128-bit, U.S. security level, encryption. If you do not have a browser that supports 128-bit encryption, it is recommend that you download the latest browser by clicking here to return to the PC Branch main information page and then clicking on the browser link of your choice. At a minimum you must have Netscape 5.0, or Internet Explorer 6.0 or newer to access PC Branch. Because PC Branch is accessed through the Internet you do not need any special software. It works with both Windows (98 and newer) and with MACs.
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