No! Your digital banking experience will remain the same. Personalized digital access will only affect how you log in. If you currently have multiple logins, you'll only have one going forward and will be able to view all of your accounts with one login. You can toggle between your accounts if you have multiple.

Personalized digital access simplifies the way you manage your account. If you have multiple PSECU accounts, you’ll now have access to all your accounts with one username and password. This makes transferring money between your accounts easier than ever! It also increases the security of your accounts for you and any joint owners, as it gives each person their own unique login information.

• Primary Account Holder - An individual who is the member linked to the account. The tax reporting is tied to them. They may also be the main user of the account.
• Joint Owner - An individual who has been included or added to the account by the primary owner. They share ownership and can transact on the account.

At PSECU, a joint owner does not need to be a PSECU member. Also, being a joint owner alone does not necessarily make the joint owner a PSECU member. They would have to be or become a member separately.

• There are two ways you can view account relationships:
  • Within digital banking. To view account relationship details, you'll need to go to each individual share and/or loan in digital banking, then click the icon in the upper right of the mobile app or select the Details tab in online banking.
  • View an electronic or paper account statement.
• You can also call us to get this answer. We’re available Monday – Friday, 8 AM – 6 PM (ET) and Saturday, 8 AM – 4 PM (ET) at 800.237.7328, extension 3842.

Digital banking access will be personalized to the unique person logging in. Individuals will only be able to see the specific accounts they are linked to as a joint owner, co-borrower, or other account relationship holder.

Joint owners, co-borrowers, or other account relationship holders will need to create their own digital banking login.

For account security, it is important to never share your username or password with anyone. Also to ensure security, it’s important for each account relationship holder to have their own unique login to the accounts they are tied to.

With the launch of personalized digital access, you’ll have a single, secure login for all your accounts. This improvement means account PIN login will no longer be available for digital banking. Instead, you can log in using:

• Your username and password.
• Face ID or fingerprint (if supported by and enabled on your device).

PINs aren’t going away completely - you’ll still use them for the automated phone system and when speaking with our call center agents.

To receive electronic statements, you must have an eligible relationship and an eligible account type. For individual, joint, and tentative trust accounts, only the primary account owner can set delivery preferences and view account statements.

Joint account holders can still view transaction history in digital banking and print or download transactions for any shares or loans they are listed as a joint owner.

With personalized digital access, only the preferred or default account that initially loads on the Account Dashboard will automatically import your transactions into Quicken. To import the transactions from your other PSECU account(s), you will need to manually export the QFX Files from Digital Banking to upload within Quicken.

Exporting QFX Files:

1. Select the account you wish to access in the Account Selector.
2. Select a product from your Account Dashboard to view Transaction History.
3. Select the Download button at the top of your Posted Transactions.
4. Choose the Timeframe, Format (QFX), and Source.
5. You can select individual products such as your 'Checking' or 'Founder's Visa,' or choose 'All Shares and Loans' together.
   • Note: This only includes all shares and loans for the selected account.
6. Select Download.

After migrating to personalized digital access, ensure your login credentials are updated within your financial aggregator to reflect your new username and password.

If you are noticing that your financial aggregator is not receiving updated information from your PSECU account(s), it is likely that the financial aggregator has not modified their system to support personalized digital access.

Prior to migrating to personalized digital access, we proactively reached out to financial aggregators. However, we cannot guarantee that all have made the necessary updates on their end. We continue to work with any financial aggregators who need our assistance by updating their processes. If you are experiencing issues, please encourage the financial aggregator you work with to contact us to improve your experience.