Frequently Asked Questions | PC Access

Getting Started

What is PC Access?

PC Access is a service for People First members that provides convenient access to account information and account transactions using the Internet. People First members around the globe will have the convenience of conducting their account transactions 24 hours a day, 7 days a week, 365 days a year.

What can I do with PC Access?

With PC Access you can:

  • Check current balances on savings, checking, personal loans, lines of credit, Share Certificates, and Individual Retirement Accounts (IRAs).
  • Transfer funds between your accounts with us.
  • View transactions that have posted to your People First checking and savings accounts.
  • Download your posted transaction information into your financial management software, such as Microsoft® Money or Excel.
  • Pay your bills online.
  • Enroll and view eStatements and eAlerts
  • Place stop Payments on checks
  • View copies of paid checks
  • Access Debit Reward$
  • Order checks
  • Make P2P payments with Popmoney

How do I sign up for PC Access?

Is there a charge to use this service?

No. PC Access is FREE.

Technical

What kind of computer equipment and configuration will I need?

You will need the following:

  • A computer capable of Internet connectivity
  • Internet Service Provider (ISP)
  • Internet/Web browser (see browser requirements)
  • Optimum screen resolution: 1024 x 768

What are the browser requirements?

Your Internet browser must support Secure Socket Layers (SSL), provide 128-bit encryption for your operating system, and support the use of JavaScript and cookies. Use one of the following supported browsers:

PC:

  • Chrome
  • Firefox
  • Microsoft Internet Explorer
  • Microsoft Edge

Macintosh:

  • Firefox
  • Safari

If you experience problems during the download or installation of your browser, please contact your Internet Service Provider (ISP), the browser's support center, or their online help services.

What does SSL mean?

SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the PC Access site, you are secure through our use of SSL technology.

What is encryption?

Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to People First FCU. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and People First FCU, encryption protects your account information so it can't be intercepted and read by a third party.

What is 128-bit encryption?

There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works each time you bank online. People First FCU uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.

Can I use my Macintosh computer?

Yes. We recommend that Macintosh computer users access PC Access with the latest version of a supported browser (see browser requirements).

What are "cookies" and do I need them to be "enabled"?

Yes. You must have cookies enabled to access PC Access. Please refer to your browser's respective documentation for help in enabling cookies. Web sites use cookies to simulate a continuous connection to that site. This makes it more convenient for users by allowing them to visit pages within a site without having to reintroduce themselves with each mouse click. Contrary to popular fears and misconceptions, cookies were not created to spy on or otherwise invade the privacy of Internet users. Cookies contain only information that users volunteer, and they do not have the capability of infiltrating a user's hard drive and sneaking away with personal information. The simple function of a cookie is that of helping the user navigate a web site with as little obstruction as possible.

What happens if I delete my Web browser's cookies?

Deleting cookies will make it more difficult to verify your identity when logging into your account information. If we are unable to "recognize" your computer, you may be required to receive a one-time passcode in order to move through the login process.

Security/Multi-Factor Authentication¹

Is PC Access secure?

Yes. People First FCU is committed to safe Internet banking and online banking security to provide you with peace of mind when you access your account information. To ensure the security of your account information, PC Access also uses 128-bit SSL encryption.

To help protect your privacy while you are using the service, we will sign you out of the PC Access service after 10 minutes of inactivity.

Are there any security guidelines for PC Access?

Yes. You should observe the following security guidelines:

  • Keep your username and password confidential and private.
  • Be sure to exit your PC Access session and close/exit your browser when leaving your computer.
  • Read People First's Terms & Conditions, Privacy Statement and Disclosures.
  • Use a Web browser that supports 128-bit encryption.
  • Do not store secured pages in your Web browser's cache.
  • Change your password frequently.

How will I know that I am not at a fraudulent site?

PC Access uses Extended Validation certificates that provide visual indicators, including a green address bar and padlock at the header of the browser.

What is Multi-Factor Authentication (MFA)?

As part of our ongoing efforts to employ the latest in Internet security technology, we are incorporating Multi-Factor Authentication (MFA) into PC Access, our Internet banking service. MFA is a series of technology tools for PC Access that helps protect your account from fraudulent transactions. Additional authentication factors, combined with your Username and Password, provide additional layers of security. Most of these security enhancements are happening automatically and will not require any action on your part.

The new MFA security will include a variety of monitoring activities. For example, one feature will track the computer you typically use to access your account. If you sign on to PC Access from the same computer on a regular basis and then log on to a different computer, you will be required to enter a one-time passcode that will be sent by voice, text, or email to your registered account credentials. With these extra layers of security in place, your account information will have the added protection.

Why does my account need MFA?

Many of us remember a time when we could safely leave our doors unlocked without fear of intrusion or theft, but that time has passed. In much the same way, security measures that were once sufficient to protect your account may no longer be adequate. Identity theft is now the fastest growing crime in the nation, and Internet criminals continually develop new techniques (such as phishing) to steal your personal information and gain access to your accounts. To protect you from this sophisticated new generation of Internet criminals, we have developed an extra layer of security to safeguard your account information online.

What is phishing?

Phishing is a fast-growing Internet crime in which attackers "phish" for your personal information. They "bait the hook" by building a "fake" page that looks like your credit union's login page. They hope you will "take the bait", believe it is a valid page, and enter your login information. They can then record it and use it to access your account.

How will MFA protect me?

During the enrollment process (a one-time process that will require less than 5 minutes of your time) you will register up to two phone numbers and one email address to receive one-time passcodes to verify your identity.

During future logins, if we are unable to recognize the computer from which the login attempt is made, you will be required to receive and enter your one-time passcode via voice, text, or email before login can continue. This will help to safeguard your account against login attempts by unauthorized parties.

Do I have to enroll in MFA from each computer I use?

No. Enrollment is a one-time process. But you can choose to register each private computer you intend to use to access your account. We are able to "recognize" registered computers more easily and accurately than unregistered computers. The registration process is quick, easy, and requires just a few clicks of the mouse.

We strongly recommend that you do not register a public computer (a computer housed at the library, etc.) If online account access is available to you only through an unregistered public computer, you may still access your account safely by receiving your one-time passcode and not having the computer remember your credentials.

What does remember this computer mean?

The system uses information about your computer hardware and software, IP address and network connection to ensure it is you requesting access to your account. If you have deleted your browser cookies or are using a different browser on the same computer, you may need to select "remember this computer" in order to avoid having to receive a one-time passcode the next time you sign on.

Can I change my Security Options?

Yes, you can change how you receive your one-time passcode at any time. To make the change, go to the my settings link after you log on to your account and select Security Options.

Troubleshooting

Why do I have to receive a one-time code every time I sign on?

These one-time codes are meant to keep imposters out because only you can receive them. The system uses information about your computer hardware and software, IP address and network connection to ensure it is you requesting access to your account. If you are using a trusted computer, such as at home or at work, after receiving your one-time code, you should select "remember this computer" in order to avoid answering additional security questions the next time you sign on.

Some reasons you are receiving the one-time code requests are:

  • You are signing on from a different computer.
  • You are signing on from a different browser.
  • You cleared all the cookies on your computer.
  • You are selecting "No" when asked to "remember this computer".

Why do I get a message that there are both secure and non-secure items?

This message appears due to the way Internet Explorer reads JavaScript (JavaScript is used in coding the pages that display in PC Access). Updates and patches are available at www.microsoft.com which will correct this issue, as well as several other security flaws concerning Microsoft's Internet Explorer browser. At no time is our web server insecure. The problem is caused by a security flaw in the web browser software contained on the computer being used to connect to PC Access.

I am using Internet Explorer and when I try to access my account nothing happens, what do I need to do?

You will need to make some setting changes to your browser.

  • Open up Internet Explorer
  • Click on Tools (located on toolbar at the top of page, in between Favorites and Help)
  • Click on Internet Options
  • Click on the Security tab
  • Click on the Trusted sites icon, then the Sites button
  • Add this web site to the zone: https://www.peoplefirstcuonline.org/tob/live/usp-core/app/login/consumer
  • Click Add, then OK
  • Click on the Internet icon
  • Make sure that the Security level for this zone is set to Medium
  • Click Apply or OK
  • Close out of Internet Explorer, re-open it and try to log in again
General

How many transfers can I make through PC Access from my Share Accounts per month?

For share (savings, holiday, vacation & money market) accounts, regulation D limits you to a total of six (6) transfers or withdrawals on each account per calendar month without a member being present at a branch. There is no limit to the number of transfers or withdrawals done in person or those made from a share draft account. For more information please refer to our Regulation D disclosure.

Can I use Microsoft Money or Quicken with PC Access?

At this time you can only download information from PC Access to Microsoft Money software.

Can I use beta test software to access PC Access?

To ensure maximum security of information and proper operation of our products, beta software is not recommended for use with PC Access. Since beta software is experimental and undergoes significant changes by the manufacturer, we can only recommend final, released versions of new browsers and operating systems.

Can I use PC Access outside of the United States?

Yes. You can use PC Access from anywhere in the world as long as you have a connection to the Internet and a supported Internet browser.

In order to access the applications, you must have Adobe Acrobat Reader, a free software for viewing and printing Adobe PDF files.

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At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.