Frequently Asked Questions
PC Access FAQs
- What is PC Access?
- What can I do with PC Access?
- How do I sign up for PC Access?
- Is there a charge to use this service?
- What kind of computer equipment and configuration will I need?
- What are the browser requirements?
- What is encryption?
- What is 128-bit encryption?
- Can I use my Macintosh computer?
- What are "cookies" and do I need them to be "enabled"?
- What happens if I delete my Web browser's cookies?
- Is PC Access secure?
- Are there any security guidelines for PC Access?
- How will I know that I am not at a fraudulent site?
- What is Multi-Factor Authentication (MFA)?
- Why does my account need MFA?
- What is phishing?
- How will MFA protect me?
- Do I have to enroll in MFA from each computer I use?
- What does remember this computer mean?
- Can I change my Security Options?
- Why do I have to receive a one-time code every time I sign on?
- Why do I get a message that there are both secure and non-secure items?
- I am using Internet Explorer and when I try to access my account nothing happens, what do I need to do?
- I am using Safari and I cannot get Popmoney to work, why?
- How many transfers can I make through PC Access from my Share Accounts per month?
- Can I use Microsoft Money or Quicken with PC Access?
- Can I use beta test software to access PC Access?
- Can I use PC Access outside of the United States?
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.
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
No. PC Access is FREE.
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
- Microsoft Internet Explorer
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.
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.
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.
Yes. We recommend that Macintosh computer users access PC Access with the latest version of a supported browser (see browser requirements).
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.
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.
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.
PC Access uses Extended Validation certificates that provide visual indicators, including a green address bar and padlock at the header of the browser.
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.
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.
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.
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.
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.
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.
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.
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".
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
At this time, Popmoney does not work with Safari version 11.
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.
At this time you can only download information from PC Access to Microsoft Money software.
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.
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.
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 (WCAG) 2.1. 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 email@example.com or by calling our Member Service Center at 610.797.7440.
Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.