Martin Luther King Jr.

Dr. Martin Luther King Jr.


Happy New Year!
   Your e-Statement is Ready

   Holiday Closures

New Year's Day -- Friday, Jan. 1st

Dr. Martin Luther King Jr.'s Birthday
     Monday, January 18th

President's Day -- Monday, Feb. 15th

Conversion Day -- Monday, Feb. 29th 
Working Hard to Make
PCCU Better for You!
Conversion Is Coming!

Many of you are already aware that PCCU is preparing for a change. For the last several months we've been laying the groundwork for converting our core processing software, and the preparations are now well on their way to make the transition seamless and simple for you. As our work continues into the New Year, we want to help you prepare for this conversion with as few inconveniences as possible. Here are the important dates and events to expect during that transition so that you can plan appropriately.  

Timeline:

Week of February 8th: If you use PCCU's SMARTLine (audio banking), you should receive a postcard detailing how you will login to the new PCCU All Ways Audio Banking, as well as a sample of the menu to make navigation easier.

Week of February 15th: If you use PCCU All Ways (for desktop and/or mobile banking) be on the lookout for an email with information about how you can log in to our new and improved PCCU All Ways (for desktop and mobile devices) on our Conversion Live Date, March 1st. It will have information about your login name and password. They will both have a link to an online guide to basic use of the new service, to help you better navigate it. 

Week of February 22nd: All members will receive a postcard with information about logging in and the basics of using the new PCCU All Ways for desktop and mobile. For those of you who like to balance your accounts promptly at the end of the month, during the week of February 22nd through the 27th, we will happily provide you with printouts of your account history in February at no cost. That way you won't have to wait until PCCU All Ways comes back up on March 1st to reconcile your account. 

Friday, February 26th: After 6:00 pm you will have to wait until after conversion is complete (on March 1st) to enroll in PCCU's BilPay. Our BillPay service provider will stay the same, so if you already use it you will still login through PCCU All Ways (whether on your desktop or on a mobile device), and all of your payees and accounts will migrate through.

Saturday, February 27th: PCCU branches in Richmond and New Castle will be open their normal business hours, from 9:00 am until 12:00 pm, for their usual Saturday business. Once the doors close at Noon, we'll take our servers down as we begin the final transfer of your account information from the old core processing software to the new core. This means PCCU All Ways, PCCU Mobile Banking, and BillPay will be down and unavailable as well. The SMARTLine will also close down that afternoon. These services will stay down from the time we close Saturday, through Sunday, February 28th and Monday, February 29th, until we re-open on Tuesday morning, March 1st at 8:00 am. Debit cards will be available during this weekend, as well as our ATMs, but may be subject to limitations. Because they are not directly connected our core processing software, PCCU Visa Credit Cards and Blackbird Pre-paid Visa Debit Cards will not be affected. Direct deposits that are scheduled for March 1st should be posted that day without issue.

Sunday, February 28th & Monday, February 29th: PCCU will be closed as we transfer data from the old core to the new, checking and verifying that the information is correct. PCCU All Ways, PCCU Mobile Banking, BillPay and SMARTLine will all be unavailable.

Tuesday, March 1st: PCCU re-opens at 8:00 am, ready to serve you with our new core processing software: You may experience short delays as MSRs and Loan Officers interact with our new system on a live, real-time basis for the first time; these delays should be both short and short-lived, as they will have completed extensive training. You will find new electronic signature pads to sign receipts, as well as quieter and quicker receipt printers. You'll also be able to login to your new PCCU All Ways, which will be available in all of it's flavors, including desktop, mobile devices, and audio, to check your account balances as well as make transfers and payments. Our BillPay provider will remain the same, so you won't have to re-enter your payee information, and it should be a seamless transition. 

Our Easy Saver program will be getting better as well, rather than showing a small transfer after every single debit card purchase, it will bundle up all of the transfers into a single transfer once a day, after normal business hours; so for example, if you make purchases of $20.87, $12.29, and $38.42, instead of seeing transfers of $0.13, $0.71, and $0.58 you'll see a single transfer for $1.42. This will make your online banking and monthly statement cleaner and easier to read!

Direct deposits scheduled for the 1st of the month should post without issue that day. However, if you have a deposit that would normally arrive on the last day of the month or a Monday, please let us know by emailing us at [email protected] so that we can make arrangements to get them posted in a timely manner. 

Please ask us any questions you have about any of these dates, times or transitions by emailing us at [email protected]. The chances are good that if you have a question you're not the only one! We'll share the questions & answers in February's E-Newsletter and on our website at:


You'll be able to find the latest news & updates about conversion there! We appreciate your patience and cooperation through the conversion process, as we work hard to make PCCU work better for you!
Dan Harney Retires

Dan Harney served PCCU members for over a decade as our Collections Manager. Though his job required Dan to work with members through difficult times and circumstances, he always maintained a respectful demeanor and did his best to find mutually beneficial solutions. We'll all miss Dan, join us in wishing him a wonderful and fulfilling retirement!
home_finance.jpg
PCCU NMLS# 453014
Contact Us Today!
Mortgage Rates Ready to Rise!

Mortgage rates have been hovering at historic lows for years, making the goal of home ownership achievable for more people. As the economy continues to improve rates have begun to rise, and as things get better rates will keep going up. If you've been considering purchasing a home, whether it's your first or it's just time for some more space, now is the time so you can lock in these lower rates for the long term.

If you've still got a higher rate on your home loan, and you're planning to stay put for the long term, there is still time to refinance before the rates catch up. Values on homes have improved along with the economy and this has helped some folks who may have been underwater previously get refinanced. Even if your property value hasn't recovered you may still qualify for a HARP Refinance, to make your payments more affordable. The deadline for a HARP Refinance has been extended and you have until December 31st, 2016 to lock it in at a lower rate.

Make an appointment with one of our loan officers today to pre-qualify for a purchase or discuss the savings of a refinance!
Apple Pay Now Available for PCCU Visa Credit Cards!

You can now load your PCCU Visa Credit Card into your Apple Pay account! This will allow you to pay with your debit card wherever Apple Pay is accepted, both in physical stores as well as within Apps. You can pay in Apps on your iPad Pro, iPad Air 2, iPad mini 4 or 3. With an iPhone 6s, iPhone 6s Plus, iPhone 6, and iPhone 6 Plus you can pay either in an App OR in a physical store. Just set your PCCU Visa Debit Card to the default to speed up your transactions by always having it ready.

You can find out more about Apple Pay here. If you have questions or problems loading your card you can contact our own Lisa Zigler at 1-800-582-7228, ext. 255 for assistance.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Repo Autos Now on PCCU.com

Unfortunately not all auto loans work out they way they were intended. However, you can now find the vehicles that return to us on our website at PCCU Autos For Sale. We'll update them as our inventory changes. If you have any questions about any of them, please call our Collections Manager, Zach White, at 765-489-4571, ext 229. He'll be happy to fill you in on the details, make arrangements for you to test drive and help you complete your purchase.
We're Available 24/7

You can always visit us online at PCCU Home Banking or from the browser on your mobile device at www.pccu.mobi, or via our Android or iOS apps. They're all available 24/7 to make PCCU available to you on YOUR schedule!
| This institution is not federally insured | PCCU is an Equal Housing Lender |
PCCU | 631 E Main St Hagerstown | 1-800-582-7228 | PCCU.com
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