Answers to General Account Questions
PSFCU's ABA or Routing Transit Number is: 2260-8202-2. Since the routing number identifies the financial institution, and not the type of account, the same number is used for every account.
A routing transit number (RTN), routing number, Institution Transit Number, or ABA number is a nine digit bank code used in the United States. It appears on the bottom of negotiable instruments such as checks and it identifies the "financial institution" on which the instrument was drawn. It is also used by Federal Reserve Banks to process Fedwire funds transfers (wires) and by the Automated Clearing House (ACH) to process direct deposits and other automated transfers.
Deposits can be made electronically by Direct Deposit or automatic payroll deduction, at ATMs located inside PSFCU branches, by mail or in person at any of our branches. In addition, A2A service available from Online Banking allows electronic transfers between accounts at PSFCU and other institutions.
To direct your deposits electronically to the PSFCU you must provide the payer with the account numberand PSFCU Routing number, as they appear on your check. If you do not have a checking account and would like to direct the Payer to electronically deposit funds to your savings account, provide the number used for making deposits alongside PSFCU routing number.
Checks or money orders may be sent by mail to any PSFCU branch. Please make sure to endorse the back of your check or money order in the area provided and write “For Deposit Only”. Underneath your signature, please include your account number and the two-digit code for the sub-account. If you have a deposit slip available complete it as you would at a branch
There are several different ways to request a copy of a check written against your account. You may retrieve a copy of the item online, or request it: by mail, via fax, over the phone or in person. Copies of checks cleared within the last 3 months are available to you at NO additional cost through PSFCU Online Banking to e-statement subscribers. Requests made through any other channel or for items that have cleared more than 3 months ago, a fee of $ 5.00 per check will be assessed to your account. Check copies are only available for seven years from the date of clearing.
To get a copy of your check using online banking, log-in to your account and follow these steps:
1. Click on E-Statements under Account Info.
2. On the “View Statement” tab, select “Monthly Statement” and from “Account Description” select “Share Draft,“ find check number in the transaction history and click on the icon to view the image of the check.
4. Click “Print.”
To request a copy of your check via fax, please fax your signed, written request to Document Control Department: (973) 808-3237
To request a copy of your check by mail, please mail your signed, written request to:
Polish & Slavic FCU
Fairfield, NJ 07004
Attn: Document Control Department
For requests originating by mail or via fax, please be sure to include your name, daytime phone number, account number, check number, the date the check cleared your account and sign your request.
To request a copy of your check over the phone, please call our Call Center. 800-297-2181
And lastly, to get a copy of your check in person, please visit your nearest branch with proper identification (State or Government issued ID) and a Member Service Representative will be glad to assist you. Please note that the fee for the service will be deducted at the time of request.
Federal Regulation D places a monthly limit on the number of withdrawals you may make from your savings accounts without being present in person. The limit is 6 withdrawals per calendar month for each savings account.
The types of transactions that count towards your 6 monthly Regulation D total include:
- Withdrawals/transfers made using Online Banking
- Withdrawals/transfers made using mobile Banking
- Automatic transfers (made by PSFCU to cover insufficient funds in other accounts)
- Telephone transfers made by PSFCU Representative based on member phone request
- Pre-authorized, automatic, scheduled or recurring withdrawals/transfers (ACH)
Transactions that do not impact your monthly Regulation D limit include:
- ATM transactions
- Transfers/payments made to pay loans at PSFCU
- Transactions done in person at a branch
If you've reached your Regulation D limit for the month, you may make additional withdrawals/transfers in person at a branch or at an ATM.
There are several different ways to place a stop payment on a check written against your account. You may process this request online, by mail, over the phone or in person. The processing fee for a stop payment is $20.
To issue a stop payment using home banking, log-in to your account and follow these few steps:
- Click on Checks Option from the task pane located on the left.
- Click on “Stop Payment”
- Complete all applicable fields and hit Continue.
- Confirm the information entered, accept the $20 processing fee and hit Continue.
Once accepted your check has been stopped! Should you encounter any difficulty during this process, call our Call Center 800-297-2181.
As a second best option to place a stop payment, we recommend contact with our Call Center. Have the check information available when you speak to our Call Center Representative.
And lastly, to issue a Stop Payment in person, please visit your nearest branch with proper identification (State or Government issued ID) and a Member Service Representative will be glad to assist you.
Please note that a stop payment is in effect for six months from the date it is put in place, and may not be processed for any items which have already cleared an account.
PSFCU offers coin collection service at all branches. When you come in simply drop your change into the machine and let it count it. Some unrecognizable or damaged coins may be rejected. Once the coins are counted the machine will produce a receipt that must be presented to the teller. The transaction is subject to a 7% fee for PSFCU members and a 12% fee for non-members.
Log-in to your Online Banking and select E-statements. Follow prompts through the registration process. You may also contact our Call Center during PSFCU business hours by calling (800) 297-2181.
Online Banking has been secured to protect the privacy of your information. To get to the information, you must supply a user name and a password. When you first sign up for Online Banking you will get a temporary password. The first time you log on, you will be prompted to change the temporary password. Only you know the password you choose. In addition, you will be asked to select additional security questions based on the information only known to you. Those questions will be used to verify your identity when you try to access your account from another location. Employees do not have access to your password. Once you are in the system, any information transmitted over the Internet is encrypted to prevent exposure.
During business hours, contact our Call Center at (800) 297-2181 or stop by any PSFCU Branch and one of our Representatives will reset it for you.
If you activated automatic password reset in Online Banking, you may reset your password from the Log-on screen in Online Banking. Select Forgot Your Password? link and you will be prompted to enter your username and the email address on file. Your temporary password will be sent to your email . You may also request a password reset by calling our Call Center at (800) 297-2181.
Yes. Once you are logged into Online Banking, select "Update User Info" and go to “Change Your Password.” Follow the prompts to complete the password change.
PSFCU's FREE Online Banking allows you to access your accounts 24 hours/7days a week. You can get current balances on your savings and loan accounts, pay bills, view account history (deposits, withdrawals, transfers and cleared checks) and make fund transfers to other PSFCU members and between your accounts inside and outside of PSFCU.
PSFCU’s Bill Payment feature of Online Banking allows you to pay any bill, any time you like. You can pay either one time only payments or recurring payments from your computer, no matter where you are. Bills are paid either electronically or by check. You can also pay individuals, provided you know their address and telephone number.
To add a joint owner to your account, a new signature card is required with all joint owners’ signatures. To remove a joint owner, a removal card must be signed by the joint owner who appears before our Member Service Representative. In the event of a death, a death certificate must be presented and the name will be removed. Both of these types of transactions can be done at any of our branch offices.
You can order new checks via Online Banking by selecting “Checks” from the main menu and then “Re-order Checks”. The link will take you to Harland Clarke Holdings Corp. our check printing service provider. Follow prompts to enter your order. You may also request a re-order over the phone from our Call Center at (800) 297-2181 or by mailing in the check order request from the last book of checks in your box. The processing time is generally 10 -14 business days. It will be necessary to have your checkbook in front of you for the order to be placed, as well as your last check number.
You will receive a maturity notice approximately 30 days prior to the maturity date. You have until the maturity date to let us know your intentions, either in writing or over the phone. If we do not hear from you prior to the maturity date, your certificate will follow the default provision – it will either mature or renew for the same term at current dividend rate. You may redeem your certificate penalty-free within a 10 day grace period from renewal.