e-Services

ATM/STAR cards can be used nationwide for safe, convenient access to your PFCU account, 24 hours a day, 7 days week. STAR cards can be used to:

• Inquire about account balances.
• Transfer money between your accounts.
• Make cash withdrawals.
• Conduct Point of Purchase sales transactions at participating retail locations.

Contact us for your ATM card. You'll love the convenience!

Direct Deposit Automated Clearing House (ACH) Transactions Services

Making transactions through Direct Deposit or ACH (Automated Clearing House) is safe, convenient, and easy. With Direct Deposit you may receive your paycheck, benefit check, or other checks directly into your PFCU Savings or Share Draft Checking account.
It also allows you to opt for Originating Deposits, which means having money deposited directly into your PFCU account from another financial institution. You get secure, convenient transactions. You don't need to make trips to the credit union, wait for the mailman to deliver your check, or worry about mail delivery while you're away from home.
At Patriot Federal Credit Union, we know how important your time is. To help you make the most of it, we have a number of Direct Deposit options:

• Direct Deposit/ACH Transactions
• Automatic Recurring Transfers
• Quick$tart
• Originating Deposits

Direct Deposit/ACH Transactions

Direct Deposit/ACH Transactions authorizes your employer to automatically send your net pay directly to your credit union account. Your paycheck is protected against loss or theft. You'll also enjoy peace of mind in knowing your check is deposited, even when you're away from home. You no longer have to make special trips to the credit union or stand in long lines on payday. Upon receipt, your money could begin earning interest immediately. To download an application Click here.
"Direct Deposit is really convenient, I no longer have to stop by the credit union to deposit my check. It's great." -Barb Motichka, Chambersburg, PA

Automatic Recurring Transfers

Automatic Recurring Transfers are convenient when you have to make loan payments, child support payments, etc. to other financial institutions. With this service you can have funds transferred from your PFCU Savings/Share Draft Checking Account to those obligations at another financial institution.

Quick$tart

Quick$tart is a Direct Deposit Service for Federal Payments. The Quick$tart service, provided by PFCU, is designed to assist your enrollment in direct deposit for your Social Security check, as well as other federal payments you may receive. To enroll, simply request a Quick$tart enrollment form, available from any PFCU office.

Originating Deposits

Originating Deposits deposit funds directly to your PFCU share/share draft account from a savings/checking account at another financial institution. There is no charge for this convenient service.

Anytime, Anyplace Money Management Convenience Just Got More Convenient!

eBRANCH Home Branching

We know you love our family of convenience services. When you add our new PFCU e-BRANCH Internet Service, you are on the superhighway of convenience. Manage your accounts from any PC, anytime, anyplace. You can:

• Check your account balances.
• Check your account history.
• Review deposit history.
• View and obtain copies of check images.
• And more.

Any of these credit union convenience services is even more convenient when you use PFCU's eBRANCH Home Branching:

• Share Draft Accounts
• Share Certificates
• Individual Savings
• Insured Money Market Accounts
• Christmas Club Accounts
• Vacation Club Accounts
• VISA Check Card
• Direct Deposit

Call us today to find out how to get the most from your convenience services and eBRANCH Online Credit Union Internet Service.
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Find Out More

• It's Easy To Use
• PFCU e-BRANCH FAQ
• eBRANCH Application
• eBRANCH Disclosure
• e-SMART Pay FAQ

It's Easy To Use eBRANCH

1. Log onto the internet using a connection from your personal Internet Service Provider and your browser software. (eBRANCH requires Explorer 4.0 or better, or Netscape 4.61 or better.)
2. Once on the Internet go to PFCU's site: http://www.patriotfcu.org.
3. Click on the eBRANCH icon. Here you will receive general information about security and using this service.
4. Enter your account number and SMARTLine PIN on the log on screen.
5. Once logged onto eBRANCH, you will be presented with a menu of services. Simply select the option you desire to:

* Look At Your Account Types For:

• Summary(ies)
• History
• Balances
• Share Draft Search
• Share Draft Copy Request

* Transfer Funds

• Within your account
• To another member account

* Do Check Withdrawals
* Read Messages Or Send Messages
That's all there is to it! You can rest assured your requests will be delivered as requested.

Need Assistance? Call our friendly credit union member service staff at (717) 263-4444 to get help with the service or your account, or to research a problem.

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PFCU eBRANCH FAQ

• Usage Questions
• Technical Questions/Browser/AOL
• SMART Pay Questions

Usage Questions

How much does PFCU eBRANCH cost me?
Nothing. eBRANCH is free to PFCU members. There is no charge to access your accounts, perform inquiries, transfer funds, and perform other transactions.

Is it safe to access my accounts over the Internet?
Very safe. eBRANCH has a number of built-in security measures. These measures include password protection (PIN) and data encryption. PFCU has also installed and tested firewalls to protect our computers (and your data) from unwanted intruders. The browsers show you that security is in place. Navigator shows a key in the lower left hand corner of the screen; Internet Explorer shows a closed padlock.
What PIN number do I use?
Your SMARTLine PIN will allow you to enter eBRANCH. If you need to sign up for SMARTLine or eBRANCH, you can complete the eBRANCH online application and return it to PFCU. A Personal Identification Number (PIN) will be assigned to you in the mail.
Can anyone else see my account information?
Your information is kept confidential. eBRANCH requires both the correct account number and PIN to access account information. Keep in mind the computer you are using to access eBRANCH. If you are using a computer where others have access, you should clear the cache of the browser after exiting eBRANCH to ensure that the next user cannot see your information.
Will I receive a receipt for transaction performed online?
No. However, you can print your own record of transaction if you have a printer attached to your PC.
I am trying to print, but one side keeps getting cut off. What should I do?
Try resetting your printing options to landscape. This will give you a wider printing area.
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Technical Questions - Browser Related

How do I access eBRANCH?
Over the Internet. You must have access to the Internet in order to use e-BRANCH.
When I try to access eBRANCH, I receive a message that says "http error 403, forbidden."
The web address is incorrect. You should exit to the PFCU home page and click on the e-BRANCH icon and re-bookmark it.
Are there restrictions on which browser I can use?
Yes. The following Internet browsers have 128 bit encryption (required for security of transactions): AOL 5 with upgrade, AOL 6, Internet Explorer 5.5 or higher, Internet Explorer 5.0 with upgrades, Netscape 4.7-service pack2 or higher. This list is not an all inclusive list nor is it meant to dictate what browser you must use.
How can I determine which browser version I have?
To check your browser's version:

1. Log on to the Internet.
2. Click on Help on your tool bar.
3. You will receive a drop down box here:

For Internet Explorer: select ABOUT INTERNET EXPLORER.
For Netscape Navigator: select ABOUT NETSCAPE NAVIGATOR.
This opens a window that reveals the version information.
If the version is less than one of the above mentioned (AOL 5 with upgrade, AOL 6, Internet Explorer 5.5 or higher, Internet Explorer 5.0 with upgrades, Netscape 4.7-service pack2 or higher) or not 128 bit (cipher or encryption) capable you will need to complete an upgrade. You can contact your ISP (Internet Service Provider) on how to complete an upgrade.
Why are the browsers that can be used limited?
For increased security and to safeguard your account only browsers with a minimum encryption level of 128 bits will be able to access e-branch. If you continue to have access problems, contact the credit union and we will direct you to another information source.
I am getting a message telling me that there is a Java-related error.
In order to use e-BRANCH Internet, you must be using a browser that is Java compatible. Java is a computer language some browsers understand. Versions of Internet Explorer 5.5 or higher, Internet Explorer 5.0 with upgrades, Netscape 4.7-service pack2 or higher support Java. In AOL, you should be using version 5.0 with upgrade or AOL 6. You must also have selected to make Java active.
I use AOL and cannot log into e-BRANCH. What should I do?
You must use AOL Version AOL 5 with upgrade or AOL 6. Older versions of AOL may use browsers that do not support some of the technology required to use e-BRANCH's functions - i.e., security and graphics. Additionally, you must be using a browser version that is at least 5.0 or higher.

DETERMINE YOUR AOL VERSION

1. Start the AOL program (you do not need to actually make a connection via the modem).
2. Enter CTRL-R.
3. The version number will be displayed. You must see Version 5.0 with upgrade or AOL 6. You must also see the I.E. (Internet Explorer) version number. The I.E. version number must be Internet Explorer 5.0 with upgrades or Explorer 5.5 or higher.

UPGRADE YOUR AOL VERSION

If you discover that the AOL version number is lower than 5.0 with upgrade or AOL 6, you will need to upgrade your AOL connection to use e-BRANCH.
To do so:

1. Log onto AOL with your modem.
2. From your AOL Connection, enter KEYWORD: UPGRADE.
3. AOL will then provide you with directions and the process for upgrading your AOL Connection.

UPGRADING YOUR AOL INTERNET BROWSER VERSION*

If your AOL version is 5.0 with upgrade or AOL 6, but your Internet Explorer Version is not at least IE 5.0 with upgrades, you must upgrade your Browser.
To do so:

1. Log onto AOL with your modem.
2. From your AOL Connection, enter KEYWORD:128 BROWSER.
3. AOL will provide directions and the process for upgrading your AOL Connection.

*If you continue to have a problem using e-BRANCH, try to run Netscape through your AOL connection. This is done by connecting through AOL and then starting the Netscape application. You must obtain a copy of Netscape over the Internet or at a retail store. Using Netscape in this way bypasses the preferences stored in AOL for the AOL/Internet Explorer browser special version that is a part of AOL.
Because AOL uses a special version of Internet Explorer, using the standalone version of Internet Explorer will not change the problems you are having. This information (except the * text) has been provided directly from AOL.
We regret that PFCU is unable to provide computer or software support answers for the use of AOL or any other browser. If you have additional questions regarding your hardware or software, we recommend contacting the manufacturer of your hardware or software. For AOL CUSTOMER SUPPORT, please call: 1-800-827-6364.
Why does the response time seem so slow?
Response time is the result of a number of factors, including your computer hardware, Internet Service Provider (ISP), modem speed, and the amount of RAM your computer has. It is also affected by the overall traffic on the Internet and the number of people accessing the e-BRANCH
system at any given time.
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e-SMARTPay (Bill Payer) FAQs

Q. I am currently using e-SMART Pay, will I have to do anything to switch?

A. No. Your Bill Pay service will automatically transfer to the new system on October 15.

Q. What about my existing payees/billers, will they transfer, too?

A. Yes. When you enter the new Bill Pay system, your payees/billers will be in the system. We ask that you please verify that they are there when you log on to the new system for the first time.

Q. Will my existing one-time and recurring payments be brought over into the new system?

A. Yes. All of your scheduled payments will be brought over automatically.

Q. How do I get into the new Bill Pay system?

A. You will enter the new Bill Pay system as you normally do. Just log on to PFCU's online banking at www.patriotfcu.org , then sign into eBRANCH.. Please read the "Terms and Conditions" and "Privacy Policy," and once you've acknowledge that you have read and accepted the agreements, you're ready to go.

Q. How will I know when my payment will be made?

A. A handy calendar will allow you to schedule your payment easily and accurately. Depending on the company, you can either schedule payments to take place as early as the next day, or for many, you'll want to schedule your pay date two to four business days prior to the bill due date. The funds will be withdrawn from your account on the pay date you specify, at the end of the business day. These payment schedules give you maximum use of your funds, an advantage if you have a dividend-bearing checking account. However, you should be careful to rely on your checkbook register balance, rather than a daily online or phone balance, to ensure sufficient funds remain in your account to cover your bill payments. Otherwise, you could be subject to NSF and other charges. Please see the separate article entitled "Very Important Bill Pay Payment Schedule Changes," for more information.

Q. What about history on my account?

A. The new e-SMART Pay system will keep six months of payment and transaction history for you from the day you log on to the new system. Keep in mind that, any previous history you have on the old system will not be available. You will be able to see any transaction on your eStatements as well. If you have a Payee that can provide estatements but is not currently set up for eStatements, you can do so by clicking the link next to the Payee's name after accessing your new e-SMART pay account, via eBRANCH. You will need to enter the answer to the authentication question and click accept. It's that easy.

Q. How does e-SMARTPay work?

A. To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills.

After you add your bills, the Pay Bills section lists all of the bills you've added in e-SMART Pay. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

Tip: When you enter an amount, e-SMART Pay calendar automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.

You can pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it will move to either the Pending Payments section or the Recent Payments section of the Payment Center.

ˇ The Pending Payments section provides a quick summary of the payments that have not been processed yet.

ˇ The Recent Payments section provides a list of the bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant on the Payment Center page.

If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past six months, including electronic bills and the bills that you pay automatically.

Q. How secure is my bill payment and personal information?

A. e-SMART Pay uses several methods to ensure that your information is secure.

SSL- eSMART Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.

Encryption- eSMART Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out- e-SMART Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in e-SMARTP Pay.

Q. Can I use assistive technology to access e-SMART Pay?

A. Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make e-SMART Pay more accessible to assistive technology users.

For best performance, we recommend you use one of the following supported browsers:

ˇ Microsoft Internet Explorer 6.0 (Windows XP)

ˇ Microsoft Internet Explorer 7.0 (Windows XP)

ˇ Firefox 2.0 (Windows XP)

ˇ Apple Safari 2.0.x (Mac OS X 10.4.x)

While other browsers may work with e-SMARTPay, these supported browsers provide the highest level of security, accuracy, and functionality.

We also recommend that you enable JavaScript in your browser. JavaScript is required for certain e-SMART Pay features to function properly.

SMART Services From PFCU

Try these two e-services to make your life simpler:

• SMARTLine (Audio Response)
• e-SMART Pay (Bill Payer)

SMARTLine 24-Hour Automated Response System

SMARTLine is an automated response system that allows members to inquire about account information and to conduct a variety of transactions simply by using a touch-tone phone. From the safety of home, members can:

• Make loan payments.
• Transfers funds between accounts.
• Check balance information.
• See if a check has cleared.
• Perform many other financial management activities.

Call SMARTLine from home, from work, at the airport, on vacation. If you have a touch-tone phone, you can manage your finances conveniently, wherever you are. To apply for this FREE service, call or visit your nearest credit union location. What could be more convenient?

"SMARTLine really saves a lot of time, you can use it 24-hours a day. And it's very easy to use."
-Marilyn Lingrel, Waynesboro, PA

e-SMART Pay Bill Payer

e-SMART Pay is another option available to you when you enjoy the convenience of e-Branch. The service is free to members.
e-SMART Pay is PFCU's convenient, easy to use bill payment service. When you logon to e-BRANCH, you can pay your bills, 24 hours a day, from anywhere in the United States.
With e-SMART Pay, writing checks and running for stamps are a thing of the past!

To sign up for free e-SMART Pay, visit any PFCU office or enroll online. Simply click here.

The VISAŽ Debit Card

The VISAŽ Debit Card functions as a regular ATM/STAR card or in place of share draft checks. A VISAŽ debit card may be used for everyday purchases anywhere VISA debit cards and STAR cards are accepted. Eliminate the hassle of showing identification and waiting for check approval. It's swipe and go!

Look at these advantages:

• Use it as you would a check at merchants and vendors wherever you see the VISA logo. You avoid hassles over ID, and since it's a card, there is no check to write.
• Use it as you would a credit card when making purchases, making reservations, paying for hotel and motel rooms, shopping by phone, or for any other reason that you would use a credit card. Since the money is taken from your Share Draft Checking Account, there's no interest to pay.
• Use it as an ATM Card to withdraw money at ATMs everywhere.
• Use it to verify your account balances, make deposits, and transfer money.

Save With PFCU's No-Surcharge ATMs

When you use your VISA Debit Card while shopping, just ask for "cash back, please." This simple request saves you time looking for an ATM. It also eliminates the need to request a cash advance on a credit card.

Member Wire Transfers

Member Wire Transfers provide members with a means to withdraw funds from their PFCU account and have the funds transferred to almost any domestic financial institution.
Funds transfers may be sent or received via Fedwire. Here are the details:

• Outgoing transfer requests need to be made before 3:00 PM for a same day transfer.
• Transfer requests received after 3:00 PM will be sent the next business day.
• Incoming transfers are deposited to your account up to 4:00 PM on the day the funds are received. Transfers received after 4:00 PM will be credited to your account on the next business day.
• Notification of receipt of funds transfer will be contained in the regular periodic statement from PFCU.